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Banking & FinanceTech Tutor

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

Looking for USSD codes to transfer money on your mobile phone? Here's a list of all bank transfer codes in Nigeria: Access, UBA, Zenith, etc.

By
Viklin
Last updated: February 13, 2024
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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.

Contents
All USSD Bank Transfer Codes (Summary)BanksTransfer USSD CodesList of All USSD Bank Transfer Codes – How To Transfer Money Via Mobile Phone in Nigeria1. Access BankAccess Bank USSD Money Transfer Code2. EcobankEcobank USSD Money Transfer Code3. FCMBFirst City Monument Bank (FCMB) USSD Money Transfer Code4. Fidelity BankFidelity Bank USSD Money Transfer Code5. First BankFirst Bank USSD Money Transfer Code6. GTBankGuarantee Trust Bank (GTBank) USSD Money Transfer Code7. Heritage BankHeritage Bank USSD Money Transfer Code8. Jaiz BankJaiz Bank Mobile Money Transfer9. KeystoneKeystone Bank USSD Money Transfer Code10. Polaris Bank (Skye Bank)Polaris Bank USSD Money Transfer Code11. Sterling BankSterling Bank USSD Money Transfer Code12. Stanbic IBTC BankStanbic IBTC Bank USSD Money Transfer Code13. Union BankUnion Bank USSD Money Transfer Code14. Unity BankUnity Bank USSD Money Transfer Code15. UBAUnited Bank for Africa (UBA) USSD Money Transfer Code16. Wema BankWema Bank USSD Money Transfer Code17. Zenith BankZenith Bank USSD Money Transfer Code18. ALAT by WemaALAT Digital Bank USSD Money Transfer CodeConclusion:

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)

Banks

Transfer USSD Codes

Access *901*2*Amount*Account Number#
Ecobank *326# >> follow on-screen prompt
FCMB *329*Amount*AccountNumber#
Fidelity *770*AccountNumber*Amount#
First *894*Amount*AccountNumber#
GTBank *737*2*Amount*AccountNumber#
Heritage *322*030*AccountNumber*Amount#
Keystone *7111*Amount*AccountNumber#
Polaris *833*amount*AccountNumber#
Sterling *822*5*Amount*Account Number#
Stanbic IBTC  *909*22*Amount*AccountNumber#
Union *826*2*Amount*AccountNumber#
Unity *7799*2*AccountNumber*Amount#
UBA *919*4*AccountNumber*amount#
WEMA/ALAT *945*AccountNumber*amount#
Zenith  *966*Amount*AccountNumber#
Kindly scroll down to find out more about these codes, this is because some banks use different USSD strings for Inter and Intra bank transfers.

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

1. Access Bank

Access Bank new logo

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 banking

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.
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3. FCMB

FCMB logo

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 logo

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.jpg

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

gtbank.jpg

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.jpg

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

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 logo

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 Logo

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

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 logo

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.
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13. Union Bank

union bank logo

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

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

uba.jpg

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

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 logo

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 by WEMA digital bank logo

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.

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TAGGED:Bank Transfer CodesBank USSD Code For Money TransferMobile BankingMobile Money TransferMoney Transfer On MobileUSSD Code
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franklin victor
ByViklin
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Passionate about technology and gadgets, I'm also an experienced architect and content & SEO specialist. When I'm not diving into the latest innovations, you’ll find me cheering for Inter Milan.
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11 Comments 11 Comments
  • David says:
    September 21, 2022 at 10:42 am

    Thanks

    Reply
    • franklin victor Viklin says:
      September 22, 2022 at 1:07 am

      I’m glad you found it useful.

      Reply
  • SANNI Abdul-Fatai Dagbeyon says:
    May 29, 2022 at 10:27 am

    Good morning. How do I unblock my NIRSAL ACCOUNTS? It was blocked due to multiple failed attempts to validate username & password. I was asked to contact customercare. How do I contact them?

    Reply
    • franklin victor Viklin says:
      May 30, 2022 at 11:48 am

      If reaching out to them has proved fruitless, why not just visit their office for assistance?

      Here are their contact information incase you’ve need them: +234 704 1800003, +234 901 0026900, +234 9010026905, +234 9010026907, 094621730. Email: [email protected]

      Reply
  • John says:
    January 7, 2022 at 6:41 pm

    How can I get my zenith account number

    Reply
  • Ikeji Jonas says:
    December 2, 2019 at 11:19 am

    You have saved me a million times this morning. Going through the website of some banks is actually like hell. All these USSD codes needs to be published in one place like you are doing. Keep it up and thank you sir.

    Reply
  • DAVE says:
    August 9, 2018 at 2:11 pm

    THANKS BROS GOD BLESS YOU.

    Reply
  • freedygist says:
    June 30, 2018 at 11:06 pm

    nice post

    Reply
  • Ikpa Azubuike says:
    June 19, 2018 at 8:51 am

    how can I get my old pin in my ecobank Acc.

    Reply
  • starboy says:
    April 27, 2018 at 7:46 am

    Thanks bro. I appreciate.

    Reply
  • Oseg Hale says:
    April 17, 2018 at 10:40 pm

    Nice post. At least it is better than having to go through different blogs to find these bank codes. Good work. Keep it up.

    Reply

Hey fam, don't go without a reply!Cancel reply

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