All Bank Transfer Codes – How to Transfer Money via Mobile Phone in Nigeria

This post on Naijaknowhow contains all Nigerian Bank Transfer Codes, here are the USSD codes to transfer money via mobile phone in Nigeria – Access, ALAT, Ecobank, Fidelity, FCMB, GTBank, Enterprise, First, Heritage, Jaiz, Keystone, Stanbic IBTC, Polaris (Skye), Sterling, Union, Unity, UBA, Wema, and Zenith.

Things are evolving very fast, and even the banking sector is not left out. Despite the increase in mobile-based activity, a few people still choose to live in the dark, where they queue just to collect money, transfer funds, or check their bank account balance, either using an ATM or in the bank. We are in a time where mobile banking has made banking a lot easier. Why then will you want to slow things down when you can do things in a flash?

There isn’t a need to spend hours in the queue for some banking transactions that can be carried out directly on your mobile device without leaving your comfort zone. Such transactions include checking of bank account balance, recharging mobile phone via bank account, transferring money to another bank, and more. Today, I’ll have to show you all the bank transfer codes (USSD) to transfer money from your bank account to another bank directly on your mobile phone. Let’s dive right into it.

All USSD Bank Transfer Codes (Summary)

List of All USSD Bank Transfer Codes – How To Transfer Money Via Mobile Phone in Nigeria

1. Access Bank

Access Bank USSD Money Transfer Code

Here’s how to transfer money from Access bank to another bank, follow the steps below;

• To transfer to Access Account: Dial *901*1*Amount*AccountNumber# and follow the on-screen prompt
• To transfer to other banks: Dial *901*2*Amount*AccountNumber# and follow the on-screen prompt

2. Ecobank

Ecobank USSD Money Transfer Code

Here’s how to transfer money from Ecobank bank to another bank, follow the steps below;

• To transfer money, simply dial *326# and follow the on-screen command to complete the transaction.

3. FCMB

First City Monument Bank (FCMB) USSD Money Transfer Code

Here’s how to transfer money from FCMB to another bank, follow the steps below;

• Dial *329#, register using any phone type.
• Dial *329*Amount*AccountNumber# to transfer funds.

4. Fidelity Bank

Fidelity Bank USSD Money Transfer Code

Here’s how to transfer money from Fidelity bank to another bank, follow the steps below;

• Dial this *770*AccountNumber*Amount#; e.g *770*1234567890*10000# to transfer N10,000.

Make sure the mobile number is registered/linked with your Fidelity Bank account.

• After dialling the code, select the beneficiary bank name: Access Bank, First Bank, Zenith Bank, etc
• Enter your transfer PIN to confirm the transfer. The recipient account number will be shown for verification purposes before inserting your PIN.
• If you are new and haven’t used the service before, you will be prompted to create a PIN. You can dial *770# » Enter your Account number » Select a 4-digit PIN for your account.

5. First Bank

First Bank USSD Money Transfer Code

Here’s how to transfer money from First Bank to another bank, follow the steps below;

• Dial the code *894*Amount*Account Number#. e.g *894*10000*1234567890# to transfer N10,000.

Take Note: Charge is N20 for intrabank transfer and N105 for interbank transfer.

6. GTBank

Guarantee Trust Bank (GTBank) USSD Money Transfer Code

Here’s how to transfer money from GTBank to another bank. Follow the steps below;

To transfer funds to the same bank (Intrabank transfer)

Here’s how to transfer funds from your account to another GTBank account number;

• Dial *737*1*Amount*Account Number# e.g *737*1*1000*1234567890#
• Use the last four digits of your Naira MasterCard to complete the transaction.

To transfer to another bank (Interbank Transfer)

Here’s how to transfer funds to another bank from your GTBank,

• Dial *737*2*Amount*Account Number# e.g *737*2*1000*1234567890#
• Then use the last four digits of your MasterCard to complete the transaction.

7. Heritage Bank

Heritage Bank USSD Money Transfer Code

Here’s how to transfer money from Heritage Bank to another bank. Follow the steps below;

• Dial *322*030*Account Number*Amount# and follow the on-screen command to complete the transaction. For example, dial *322*030*1234567890*2000# to transfer N2000 naira.

Alternatively, you can transfer funds through their mobile banking or internet banking platforms if you are already registered. Click here to download Heritage mobile banking app for money transfers.

8. Jaiz Bank

Jaiz Bank Mobile Money Transfer

They currently do not have a USSD code for fund transfers. However, you can transfer funds through their mobile banking or internet banking platforms if you have already registered.

• Click here to download the Jaiz mobile banking app for money transfers.

9. Keystone

Keystone Bank USSD Money Transfer Code

Here’s how to transfer money from Keystone Bank to another bank, follow the steps below;

• From the phone number registered on your account, dial *7111*Amount*AccountNumber# and follow the prompts to complete a transaction.

10. Polaris Bank (Skye Bank)

Polaris Bank USSD Money Transfer Code

Here’s how to transfer money from Polaris Bank to another bank, follow the steps below;

• Dial *833*amount*AccountNumber# and follow the prompts or dial *833# on your mobile phone » Choose 3 » then follow the prompt thereafter to get started.

11. Sterling Bank

Sterling Bank USSD Money Transfer Code

Here’s how to transfer money from Sterling Bank to another bank, follow the steps below;

• Dial *822# on the phone number registered to your Sterling Bank account and follow the prompts accordingly.
• A PIN is required to complete transactions via the USSD code. You will get the pin when you register for the Sterling bank *822# service.
• After registering, dial *822*5*Amount*Account Number# to transfer money.

Note: N5 will be deducted from your airtime balance everytime you dial the sterling bank ussd code on your phone.

12. Stanbic IBTC Bank

Stanbic IBTC Bank USSD Money Transfer Code

Here’s how to transfer money from Stanbic IBTC bank to another bank, follow the steps below;

• To another Stanbic IBTC bank, dial *909*11*Amount*Account Number# for transferring to other Stanbic IBTC accounts;
• To other banks, dial *909*22*Amount*Account Number# for transferring to other bank accounts in Nigeria.

13. Union Bank

Union Bank USSD Money Transfer Code

Here’s how to transfer money from Union Bank to another bank, follow the steps below;

• Transfer to UBN account, dial *826*1*Amount*Number Account#
• Transfer to other bank accounts, dial *826*2*Amount*Number Account#

14. Unity Bank

Unity Bank USSD Money Transfer Code

Here’s how to transfer money from Unity Bank to another bank, follow the steps below;

• To transfer to a Unity Bank account, dial *7799*1*Account No*Amount# (e.g. *7799*1*1234567890*10000#)
• To transfer to other bank accounts, dial *7799*2*Account No*Amount# (e.g *7799*2*1234567890*10000#)

15. UBA

United Bank for Africa (UBA) USSD Money Transfer Code

Here’s how to transfer money from UBA to another bank, follow the steps below;

• Simply dial *919# from your registered phone number to get started
• To send money to a UBA account, Dial *919*3*account number*amount# e.g, *919*3*1234567890*10000# to transfer N10,000.
• To send money to other banks, dial *919*4*account number*amount# e.g, *919*4*1234567890*10000# to transfer N10,000.
• To send money to a UBA prepaid card, dial *919*32#
• To send money to Microfinance Banks, Fintechs & Other institutions, dial *919*6#

16. Wema Bank

Wema Bank USSD Money Transfer Code

Here’s how to transfer money from Wema Bank to another bank, follow the steps below;

• Dial *945*AccountNumber*amount# e.g, *945*1234567890*10000# to transfer N10,000.

The Wema Quick Recharge Code should only be used with the phone number associated with the bank account.

17. Zenith Bank

Zenith Bank USSD Money Transfer Code

Here’s how to transfer money from Zenith Bank to another bank, follow the steps below;

• Kindly dial *966*Amount*Account number# for transfers. E.g *966*20000*1234567890# to transfer N20,000.

18. ALAT by Wema

ALAT Digital Bank USSD Money Transfer Code

To transfer money from the ALAT account to another bank account;

1. To start, dial *945# or dial *945*100# and follow the prompts on your screen
2. To send money to other banks within Nigeria: The user should dial *945*accountnumber*amount# from their phone number registered with ALAT and follow the simple steps prompted by the phone.

Conclusion:

These codes are most useful when you don’t have data to power your mobile app or internet banking. So with or without an internet connection, you can carry out money transfers on any mobile device in Nigeria successfully.

All the following bank transfer codes (USSD) to transfer money on mobile are working as of when this article was published, kindly help us stay up to date by letting us know when any of these codes change, get updated or are cancelled. Thanks for reading our blog post, I hope you found it helpful. We welcome your comments, questions, corrections and additional information relating to this post.