Full list of Nigerian banks USSD codes

“Unstructured Supplementary Service Data (USSD), sometimes referred to as ‘Quick Codes’ or ‘Feature codes’, is a protocol used by GSM cellular telephones to communicate with the service provider’s computers. USSD can be used for WAP browsing, prepaid callback service, mobile-money services, location-based content services, menu-based information services, and as part of configuring the phone on the network” Wikipedia

USSD is a GSM communication technology that is used to send messages between a mobile phone and an application in a network system.

USSD banking is the use of the USSD codes for mobile money service.

The service enables you to

• Transfer money

• Withdraw money

• Make purchases

• View mini statement

• Check account balance

• Pay bills

• Buy mobile phone air time

• Get cash token for ATM cardless withdrawal. SEE ALSO: Many Functions of ATM Some of Which You May Never Have Used

• And lots more without internet connection.

One of CBN’s strategies to drive financial inclusion by reducing the rate of financial exclusion among adult Nigerians to 20% and increase access to financial services to 70% by year 2020 is mobile banking. USSD banking is a major part of CBN’s mobile banking strategy. ALSO READ: Examining the CBN Financial Inclusion Drive (1).

Highlights of USSD Banking

• The technology does not require smartphone, it works on a basic phone with black and white display. It uses GSM operators network channel to transmit information.

• It works without an internet connection relying on the GSM network provider’s connectivity

• The service is adaptable to local languages. It can be configured in any language of the customers choice. You don’t have to speak or understand English to use USSD banking.

• The registration process is simple as long as your phone number is linked to your bank account.

Available Nigerian Banks USSD codes

Nigerian banks USSD Codes

ACCESS BANK *901#

Airtime – Self *901*Amount#

Airtime – Others *901*Amount*Phone Number#

Transfers – *901*Amount*Account Number#

Merchant Bill Payment – *901*3#

Pay PayWithCapture Merchant – *901*3*Amount*Merchant Code#

Generate One Time Password – *901*4*1#

Check Balance – *901*5*1#

ECOBANK *326#

Dial *326# and follow the command prompt for all transactions

FIDELITY BANK *770#

Airtime – Self *770*Amount#

Airtime – Others *770* Phone Number*Amount#

Transfers – *770*Account number*Amount# 

For other services, dial *770# and follow the prompt.

FCMB – Dial *389*214# to register and follow the prompt for registration and all transactions

Nigerian banks USSD Codes

FIRST BANK *894#

Airtime – Self *894*Amount#

Airtime – Others *894*Amount*Phone Number#

Transfers – *894*Amount*Account Number#

For all other transactions dial *894# and follow the prompt

GTBANK *737#

Airtime – Self *737*Amount#

Airtime – Others *737*Amount*Phone Number#

Data Top-up – *737*4# and follow the screen prompt

Transfers to GTBank Account – *737*1*Amount*Account Number#

Transfers to other Bank Account – *737*2*Amount*Account Number#

Dial *737# and follow the prompt for other services

HERITAGE *322#
Airtime – *322*030*amount#
For all other services simply dial *322*030# and follow the prompt

JAIZ BANK *389*301*Amount#

Dial *389*301# and follow the command prompt for all transactions

KEYSTONE *7111#
Airtime Self – *7111*Amount#

Airtime Others – *7111*Amount*Phone Number#

Transfers – *7111*Amount*Account Number#

For all other transactions, dial *7111# and follow the screen prompt

Nigerian banks USSD Codes

POLARIS *833#

Transfers – *833*Amount*Account Number#

Airtime – *833*Amount*Phone Number#

For all other transactions, dial *833# and follow the screen prompt

STANBIC *909#
Airtime – Dial *909*Amount#
Transfers to Stanbic Accounts – *909*11*Amount*Account Number#

Transfers to other Bank Account – *909*22*Amount*Account Number#

For all other transactions, dial *909# and follow the screen prompt

STERLING *822#
Airtime Self – Dial *822*Amount#

Airtime Others – Dial *822*Amount*Phone Number#
Transfers to Sterling Accounts – *822*4*Amount*Account Number#

Transfers to other Bank Account – *822*5*Amount*Account Number#

UNION *826#

Transfer – *826*1*Amount*Account Number#

For all other transactions, dial *826# and follow the screen prompt

UNITY BANK *7799#
Transfer – *7799*1*Account No*Amount# 

For all other transactions, dial *7799# and follow the screen prompt

UBA *919#

Airtime Self – *919*Amount#

Airtime Other – *919*Phone Number*Amount#
For all other transactions, dial *919# and follow the screen prompt


WEMA *945#

Airtime – *945*Phone Number*Amount#

Transfers – *945*Account Number*Amount#

For all other transactions, dial *945# and follow the screen prompt


Nigerian banks USSD Codes
ZENITH *966#

Airtime – *966*amount#
Transfers – *966*Amount*Account Number#

To check your BVN for all banks *565*0#

PAGA – *242#
MTN Nigeria – *904*amount# for Airtime Top-Up from any bank account linked with your MTN line.

GLO Nigeria – *805# for Airtime Top-Up from any bank account linked with your GLO line.

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