Wema bank ussd :How to register, transfer money, buy Airtime,Apply for loan and check account balance

Last Updated on April 3, 2025 by admin

Wema Bank’s USSD service offers a convenient way for customers to access a range of banking functions right from their mobile phones. From registering for the service to transferring money, buying airtime, applying for loans, and checking account balances, the USSD platform provides quick and easy access to essential banking services

This service is accessible by dialing *945# from the phone number linked to your Wema Bank account. The USSD service is designed to provide a seamless banking experience, especially for those who may not have access to smartphones or reliable internet connections.

Yo can also make payments on POS terminals without a Wema/ALAT card. Best of all it can be use to open to Wema bank account, place hold of your ATM card, check account balance as well generate Mini account statement direct from your mobile phone line that is link to your bank.

First bank ussd :How to register, transfer money, buy Airtime,get Mini statement and check account balance

In this blog article, we’ll walk you through the step-by-step process to unlock the full potential of Wema Bank USSD. and how to register for wema bank ussd code,Transfer Money,Buy Airtime,Quick loan, pay bills including Electricity Bill ,Cardless Transactions and many more financial activities.

How to Register for wema bank ussd code

To enjoy the benefits of the USSD code as a customer of WEMA Bank, you need to activate your USSD code. Kindly follow the steps below to get your Wema bank USSD code activated:

Dial *945*01#

• Input Account Number

• Input Date of Birth (DD-MM-YYYY)

• Input 4-digit PIN of choice

• Confirm PIN

How to Transfer Money from wema bank

To transfer money using Wema Bank’s USSD code (*945#), follow these steps:

1. Dial *945*Amount*Account Number# on your registered mobile number.
   • For example, to send ₦5,000 to account number 0123456789, dial *945*5000*0123456789#.
2. Choose the recipient’s bank from the list provided.
3. Input your 4-digit PIN to authorize the transaction.
4. You’ll receive a notification confirming the transaction.

To switch accounts on Wema Bank’s USSD platform, follow these steps:

1. Dial *945*2*OldAccountNumber*NewAccountNumber# on your registered mobile number.
2. Enter the details of your old account and the new account you want to switch to.
3. Provide your 4-digit USSD PIN to authorize the switch.

Once completed, your USSD banking will be linked to the new account.

How to Buy Airtime from wema bank

To buy airtime using Wema Bank’s USSD code (*945#), follow these steps:

For Yourself:

1. Dial *945*Amount# on your registered mobile number.
   • Example: To recharge ₦500, dial *945*500#.
2. Confirm the transaction, and the airtime will be credited to your phone.

For Others:

1. Dial *945*Recipient's Phone Number*Amount#.
   • Example: To send ₦500 airtime to 08012345678, dial *945*08012345678*500#.
2. Confirm the transaction, and the recipient will receive the airtime.

Also read: Union bank ussd :How to register, transfer money, buy Airtime, check account balance and Pay bills

How to apply for Wema bank Quick loan

To apply for a Wema Bank Quick Loan using the USSD code *945*65#, follow these steps:

1. Dial *945*65# on your registered mobile number.
2. Provide the required details, such as the loan amount and any additional information requested.
3. Enter your 4-digit USSD PIN to authorize the loan request.
4. If approved, the loan amount will be credited to your account instantly.

How to check Wema bank Account balance

To check your Wema Bank account balance using USSD, follow these steps:

1. Dial *945*0# on your registered mobile number.
2. Provide your 4-digit USSD PIN to authenticate the request.
3. Your account balance will be displayed on your screen.

Send Money to phone

To send money to phone as wema bank account holder dial *945*6*amount#

How to Change  wema bank ussd PIN

To change your Wema Bank USSD PIN using *945*00#, follow these steps:

1. Dial *945*00# on your registered mobile number.
2. Provide your existing USSD PIN for verification.
3. Enter your desired 4-digit PIN.
   • Confirm the new PIN by entering it again.

How to Get your Wema bank Account Number

To retrieve your Wema Bank account number using USSD, follow these steps:

1. Dial *945*00# on your registered mobile number.
2. From the menu, choose the option for “Account Number Retrieval.”
3. Enter your 4-digit USSD PIN to verify your identity.
4. Your account number will be displayed on your screen.

This method is quick and secure, ensuring you can access your account details without visiting a branch.

Also  read: Zenith bank USSD: How to register, transfer money,buy airtime and other transaction

How to Open Wema bank Account

To open a Wema Bank account using USSD, follow these steps:

1. Dial *945*1# on your registered mobile number.
2. Enter your first name, last name, and date of birth (in the format DD-MM-YYYY).
   • Provide your address as prompted.
3. Choose the type of account you want to open (e.g., savings or current).
   • Create a 4-digit PIN for your transactions.
4. Once completed, you’ll receive an SMS with your new account number.

Account Reactivation

To reactivate your Wema Bank account, you can use the USSD code *945*5#. Follow these steps:

1. Dial *945*5# on your registered mobile number.
2. Provide the required details, such as your account number and date of birth.
3. Enter your 4-digit USSD PIN to authorize the reactivation.

Your account will be reactivated instantly

How to block wema bank account

To block your Wema Bank account using USSD, follow these steps:

1. Dial *945*911# on your registered mobile number.
2. Select the option to block your account or deactivate your USSD profile.
3. Provide any required details, such as your account number or PIN, to complete the process.

Wema bank BVN management

To manage your BVN (Bank Verification Number) with Wema Bank using USSD, here are the key codes:

1. Check Your BVN:
   • Dial *565*0# on your registered mobile number.
   • This service works across all banks in Nigeria and may incur a small fee.
2. Link Your BVN to Your Wema Bank Account:
   • Dial *945*BVN# and follow the prompts to link your BVN to your account.
3. Manage BVN Details:
   • Dial *945*4# for BVN-related services, such as updates or verification.

These codes ensure secure and seamless BVN management.

Also read: How to enroll for Access bank Ussd, transfer money, Buy Airtime and deactivate account

How to Pay Electricity Bill Codes from wema bank

To pay for electricity bills from Wema bank in Nigeria either, Eko, Ikeja or Kano kindly follow the steps given below.

1. Electricity bill *945*24#
2. Eko *945*25*meterno*amount#
3. Ikeja *945*26*meterno*amount#
4. Ibadan *945*27*meterno*amount#
5. Abuja *945*28*meterno*amount#
6. Enugu *945*29*meterno*amount#
7. Jos *945*30*meterno*amount#
8. Kaduna *945*31*meterno*amount#
9. Kano *945*32*meterno*amount#
10. Portharcourt *945*33*meterno*amount#

Cable TV Codes

Wema bank customers can now pay for DSTV, GOTV, STARTIME from the comfort zone without visiting any of their agent. They can perform this bills payment as given below.

Cable TV menu *945*10#
DSTV *945*11# and *945*11*smartcardNO #
GOTV *945*12# and *945*12*smartcardNO#
Startimes *945*13# and *945*13*smartcardNO#

Internet Service Codes

Are you searching for how you can pay your Spectranet or smile subscription without stress. if yes follow the steps below.

Internet service menu *945*15#
Smile *945*16#
Spectranet *945*18#

Schools and Exams Codes

Wema Bank provides specific USSD codes for schools and exams-related services:

WAEC (result checking) *945*70#
JAMB (result checking) *945*71#

These codes allow you to access your results conveniently.

Read: FCMB USSD Code – How to Register, transfer money, buy airtime

Wema bank Cardless withdrawal Transactions

You can transact and withdraw money from your WEMAN bank account without your ATM card. To perform a cardless withdrawal with Wema Bank using USSD, follow these steps:

1. For Mcash cardless transaction, use  *945*57# and *945*57*merchantcode*amount#
2. For CoralPay cardless transaction, use *945*58# and *945*000*REFnumber#
3. Provide the required details, such as the amount and recipient information.
4. You’ll receive a unique withdrawal code via SMS.
5. Go to any Wema Bank ATM or participating ATM.
   • Select the “Cardless Withdrawal” option and enter the code.
6. Follow the on-screen instructions to withdraw your cash.