Are you looking for a post that showcases all bank USSD codes in Nigeria? Here is the post you’ve been searching for. Keep reading to get all the mobile banking codes for all banks in Nigeria — Access (Diamond), ALAT, Ecobank, Fidelity, FCMB, GTBank, First, Heritage, Keystone, Stanbic IBTC, Polaris (Skye), Sterling, Union, Unity, UBA, Wema, and Zenith.
There is no doubt that mobile usability has taken over when it comes to surfing the web. The banking industry isn’t excluded from this course, as most banks have embraced and activated what is known to be the future of banking.
It’s also not to be denied the ease of use of USSD (Unstructured Supplementary Service Data) mobile banking codes. With the introduction of USSD codes, you can carry out transactions directly from your smartphones or feature phones easily, swiftly, and conveniently. The fact that you also don’t need an internet connection to use these bank USSD codes even makes it sweeter.
Benefits of USSD banking
- Open an account from anywhere.
- Service does not require filling out forms.
- No minimum opening balance is required to open a new account via USSD.
- Service attracts no charge.
- You have unlimited access to your account at any time.
- No dependency on the internet or third party.
- Available 24 hours a day and 7 days a week.
- Saves you the stress of queuing up in the banking halls
Getting started with USSD banking
A mobile transaction using USSD codes requires account registration for first-timers and a PIN code (either 4 or 5 digits depending on the bank involved), which could be done by simply dialling the various bank USSD codes (as seen below) and following the screen prompts. The PIN code serves as your security against fraudsters and would be required for all your next transactions.
That said, let’s quickly delve right into Naijaknowhow’s list of all bank USSD codes in Nigeria.
All Bank’s USSD Shortcodes (Summary Table)
Nigerian Banks |
USSD Codes |
| Access Bank | *901# |
| ALAT Bank | *945# |
| Ecobank | *326# |
| Fidelity Bank | *770# |
| FCMB | *329# |
| First Bank | *894# |
| GTBank | *737# |
| Heritage Bank | *745# |
| Keystone Bank | *7111# |
| Polaris Bank | *833# |
| Stanbic IBTC Bank | *909# |
| Sterling Bank | *822# |
| UBA | *919# |
| Union Bank | *826# |
| Unity Bank | *7799# |
| Wema Bank | *945# |
| Zenith Bank | *966# |
List of all bank USSD codes in Nigeria (broken down)
1. Access Bank USSD Codes (*901#)
Contained below is a table showing all Access Bank USSD codes for transferring money, recharging mobile phones, checking your account balance, and more.
All Access bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Open An Account/Change PIN/Registration | *901*0# |
| Check Balance |
*901*00# |
| Airtime Top-Up for Self | *901*Amount# |
| Airtime Top-Up for Others | *901*Amount*Phone Number# |
| Transfer to Access Account | *901*1*AMOUNT*NUBAN Account Number# |
| Transfer to Other banks | *901*2*AMOUNT*NUBAN Account Number# |
| Pay bills | *901*3# |
| Deactivate Account |
*901*911# |
2. ALAT Bank USSD Codes (*945#)
Contained below is a table showing all ALAT digital bank USSD codes for transferring money, recharging mobile phones, checking your balance, and more.
All ALAT bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Check Balance | *945*0# |
| Airtime Top-Up for Self | *945*Amount# |
| Airtime Top-Up for Others | *945*phone Number*Amount# |
| Transfer to ALAT Account | *945*Account Number*Amount# |
| Transfer to Other banks | *945*Account Number*Amount# |
3. Ecobank USSD Codes (*326#)
Contained below is a table showing all Ecobank USSD codes for transferring money, recharging mobile phones, checking your account balance, and more.
All Ecobank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Check Balance | *326*0# |
| Airtime Top-Up for Self | *326*Amount# |
| Airtime Top-Up for Others | *326*Amount*PhoneNumber# |
| Transfer to Ecobank Account | *326# |
| Transfer to Other banks | *326# |
| Pay bills | *326# |
4. Fidelity Bank USSD Codes (*770#)
Contained below is a table showing all Fidelity bank USSD codes for transferring money, recharging mobile phones, checking account balances, etc.
All Fidelity Bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Check Balance | *770*0# |
| Airtime Top-Up for Self | *770*AMOUNT# |
| Airtime Top-Up for Others | *770*PHONE*AMOUNT# |
| Transfer to Fidelity Account | *770*ACCOUNT*AMOUNT# |
| Transfer to Other banks | *770*ACCOUNT*AMOUNT# |
| Pay bills | *770# |
| ATM cardless withdrawal | *770*8*AMOUNT# |
| Change PIN | *770*00# |
| Update BVN | *770*02# |
| Block Card | *770*911# |
| Block Phone from USSD Banking | *770*911*08012345678# |
| Block Account from USSD Banking | *770*08012345678# |
| Choose SMS and Email Alert |
*770*2#
|
Note: Balance Enquiry costs N20, Intra-bank Transfer costs N70, Interbank Transfer costs N70 and Bill Payments costs N105.
5. FCMB USSD Codes (*329#)
Contained below is a table showing all FCMB USSD codes for transferring money, recharging mobile phones, checking your account balance, and more.
All FCMB USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Check Balance | *329*00# |
| Airtime Top-Up for Self | *329*Amount# |
| Airtime Top-Up for Others | *329*Amount*Mobile number# |
| Transfer to FCMB Account/Others | *329*Amount*Account number# |
| Reset PIN | *329*0# |
| Buy Data | *329*1*Mobile Number# |
| Pay bills (DSTv & GOTv) | 329*2*Amount*Smartcard Number# |
| Pay Electricity Bill | *329*3*Amount*Meter No# or *329*3*Amount*AccountID# |
| Block USSD Profile or Block Bank Account |
*329*911# |
6. First Bank USSD Codes (*894#)
Contained below is a table showing all First Bank USSD codes for transferring money, recharging mobile phones, checking your account balance and more.
All First Bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
| Register for First Bank USSD Banking | *894*0 |
| Airtime Recharge for Self | *894*Amount# |
| Airtime Recharge for Others | *894*Amount*Phone Number# |
| For Transfer | *894*Amount*Account Number# |
| Transfer to First Account/Other | *894*Amount*Account Number# |
| For Mini-Statement | *894*Account Number# |
| To Check Balance | *894*00# |
| For Account Opening | *894*0# |
| To Deactivate Your Mobile Number | *894*911# |
7. GTBank USSD Codes (*737#)
Contained underneath is a table showing all GTBank USSD codes for transferring money, recharging mobile phones, checking balances and more.
All GTBank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Open Account | *737*0# |
| Reactivate Account | *737*11# |
| Check balance/Account Number/BVN | *737*6*1# |
| Airtime Top-Up for Self | *737*amount# |
| Airtime Top-Up for Others | *737*Amount*Recipient’s number# |
| Data Top-Up | *737*4# |
| Transfer to GTBank Account | *737*1*Amount*NUBAN Account Number# |
| Transfer to Other banks | *737*2*Amount*NUBAN Account Number# |
| Create PIN | *737*5# |
| Enquires | *737*6# |
8. Heritage Bank USSD Codes (*745#)
Contained below is a table showing all Heritage Bank USSD codes for transferring money, recharging mobile phones, checking your balance and more.
All Heritage Bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Registration With Card | *745*AccountNumber*Last6DigitOfCard# |
| Registration Without Card | *745*AccountNumber# |
| Balance Enquiry | *745*0# |
| Change USSD PIN | *745*00# |
| Funds Transfer (HB) | *745*1*Amount*AccountNumber# |
| Funds Transfer (Interbank) | *745*2*Amount*AccountNumber# |
| Airtime (Self) | *745*Amount# |
| Airtime (Third Party) | *745*Amount*MobileNumber# |
| Bet9ja Top-up | *745*222*Bet9jaUserID*Amount# |
| Pay with USSD (on POS & Web) | *745*000*RefCode# |
| LCC Payment | *745*000*522+etagNo+100# |
| Block Account from any phone | *745*11# |
9. Keystone Bank USSD Codes (*7111#)
Contained below is a table showing all Keystone Bank USSD codes for transferring money, recharging mobile phones, checking balances and more.
All Keystone Bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
| Registration | *7111*0# |
| Check Balance | *7111*1# |
| Pay bills | *7111*2# |
| Mobile Data | *7111*5# |
| Check account balance | *7111*00# |
| Recharge your phone | *7111*Amount# |
| Recharge for others | *7111*Amount*Phone Number# |
| Send Money | *7111*Amount*Nuban Account Number# |
| Activate Debit Card: | *7111*9*123# |
| Change default Top-up Account: | *7111*AcctNo# |
| Panic Code | *7111*911# |
10. Polaris Bank USSD Codes (*833#)
Contained below is a table showing all Polaris (Skye) bank USSD codes for transferring money, recharging mobile phones, checking balances and more.
All Polaris bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Opening Account | *833*1# |
| Check Balance | *833*6# |
| Airtime Top-Up for Self | *833*AMOUNT# |
| Airtime Top-Up for Others | *833*AMOUNT*PHONENUMBER# |
| Transfer to Polaris Account/Others | *833*AMOUNT*ACCOUNTNUMBER# |
| Update BVN | *833*5# |
| Pay With MasterPass | *833*7# |
| Pay bills | *833*2# |
11. Stanbic IBTC Bank USSD Codes (*909#)
Contained below is a table showing all Stanbic IBTC Bank USSD codes for transferring money, recharging mobile phones, checking balances and more.
All Stanbic IBTC bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Check Balance | *909*1*1# |
| Airtime Top-Up for Self | *909*Amount# |
| Airtime Top-Up for Others | *909*Amount*phone number# |
| Transfer to Stanbic Account | *909*11*Amount*Account Number# |
| Transfer to Other banks | *909*22*Amount*Account Number# |
12. Sterling Bank USSD Codes (*822#)
Contained below is a table showing all Sterling Bank USSD codes for transferring money, recharging mobile phones, checking balances and more.
All Sterling Bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Register for USSD Service | 822*1*NUBAN# |
| Check Balance | *822*6# |
| Check Account Number | *822*8# |
| Airtime Top-Up for Self | *822*Amount# |
| Airtime Top-Up for Others | *822*Amount*Phone Number# |
| Transfer to Sterling Account | *822*4*Amount*Account Number# |
| Transfer to Other banks | *822*5*Amount*Account Number# |
13. UBA USSD Codes (*919#)
Contained below is a table showing all UBA USSD codes for transferring money, recharging mobile phones, checking balances and more.
All UBA USSD codes for mobile banking
Transaction Type |
USSD Banking Code |
|---|---|
| Check Balance | *919*00# |
| Airtime Top-Up for Self | *919*Amount# |
| Airtime Top-Up for Others | *919* Phone number* Amount# |
| Transfer to UBA Account | *919*3*account number*amount# |
| Load UBA Prepaid Card | *919*32# |
| Transfer to Other banks | *919*4*account number*amount# |
| Pay bills | *919*5# |
| ATM cardless withdrawal | *919*30*Amount# |
Read: You can check out more UBA USSD codes here!
14. Union Bank USSD Codes (*826#)
Contained below is a table showing all Union Bank USSD codes for transferring money, recharging mobile phones, checking balances and more.
All Union Bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Register | *826# |
| Check Balance | *826# |
| Airtime Top-Up for Self | *826*amount# |
| Airtime Top-Up for Others | *826*amount*recipient’s mobile no# |
| Transfer to Union Account | *826*1*amount*account no# |
| Transfer to Other banks | *826*2*amount*account no# |
| Create PIN | *826*5# |
The charge for fund transfer to other banks is ₦52.50 per transaction. It is free to other UBN account. We know you understand
15. Unity Bank USSD Codes (*7799#)
Contained below is a table showing all Unity Bank USSD codes for transferring money, recharging mobile phones, checking balances, and more.
All Unity bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Bet9ja Wallet funding | *7799*403*Bet9ja ID*amount# |
| Self recharge | *7799*Amount# |
| Third-party recharge | *7799*Phoneno*amount# |
| Transfer to Unitybank | *7799*1*accountno*amount# |
| Transfer to Other banks | *7799*2*accountno*amount# |
| Balance enquiry | *7799*0# |
| BVN verification | *7799*5# |
| Block account | *7799*9*phone number# |
| USSD on POS | *7799*000*RefID# |
| Cardless withdrawal | *7799*8*Amount# |
16. Wema Bank USSD Codes (*945#)
Contained below is a table showing all Wema Bank USSD codes for transferring money, recharging mobile phones, checking balances, and more.
All Wema bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Check Balance | *945*0# |
| Airtime Top-Up for Self | *945*Amount# |
| Airtime Top-Up for Others | *945*phone Number*Amount# |
| Transfer to Wema Account | *945*Account Number*Amount# |
| Transfer to Other banks | *945*Account Number*Amount# |
17. Zenith Bank USSD Codes (*966#)
Contained below is a table showing all Zenith Bank USSD codes for transferring money, recharging mobile phones, checking balances, and more.
All Zenith bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Opening Account | *966*0# |
| Check Balance | *966*00# |
| Airtime Top-Up for Self/Others | *966*Amount*Mobile Number# |
| Transfer to Zenith Account/Others | *966*Amount*Account Number# |
| Update BVN | *966*BVN# |
| Pay bills (DSTv and PHCN) | *966*7*Amount*Customer ID# |
| Pay Zenith Billers | *966*6*Biller code*Amount# |
| Reset USSD Password & PIN | *966*60# |
| Deactivate Mobile Banking Profile | *966*20*0# |
| Deactivate Account | *966*911# |
| Block Card | *966*60# |
| Other Self Service | *966*60# |
Conclusion:
That’s it. That completes our list of all bank USSD codes to carry out financial transactions directly from your mobile devices. This article will be constantly updated as time goes on. We welcome your comments, questions, corrections, and additional information relating to this post.
Interesting,I know more about banking with ussd codes…Kip it up.
But why they use to charge more on using the USSD. they didn’t justify, emerging how you keep your money, they charge, you withdrew, they charge.
There’s a disclaimer for that. You should probably switch to using the app instead.
I am happy but no jaiz bank here
That’s because they currently don’t have. You can stick to using their mobile app.
I’m very happy to see these USSD.