Nigerian Banks and their USSD Codes Listed Fully

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If you are wondering how to get all Nigerian Banks and their USSD Codes I have detailed it all in this article.

What are the USSD transfer codes for all the banks in Nigeria? What is the code to transfer money for all banks? How do I make a USSD bank transfer? How much can I transfer using the USSD code? How can I transfer money from my mobile number? How can I transfer money through SMS? What is my USSD code? How much can I transfer in a day using GTB 737? What is the limit for the GTB USSD

Nigeria Banks offer different types of services, and one of them is through their USSD mobile banking codes.

See top Nigerian Banks and their USSD Codes listed below.

Transfer Code For All Nigerian Banks

Access Bank USSD Transfer Code

The official transfer code for Access Bank when it comes to the transfer of funds is *901#. This Access Bank USSD code, in conjunction with some other codes, is provided below to make your transactions easier and less time-consuming:

  • Airtime for self: *901*Amount#
  • Airtime for others: *901*Amount*Phone Number#
  • Account Opening: *901*0#
  • Data Purchase: *901*8#
  • Balance Enquiry: *901*5#
  • Fund Transfer to Access Bank: *901*1*Amount*Account Number#
  • Fund Transfer to Other Banks: *901*2*Amount*Account Number#
  • Merchant Payment: *901*3*Amount*Merchant Code#
  • Bill Payment: *901*3#
  • OTP Generation: *901*4*1#

How To Set USSD Code For Ecobank

Ecobank USSD Code is *326#. Below I have listed all Ecobank USSD codes for mobile banking, transferring money, recharging mobile phones, checking balance and more.

  • 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#

USSD Code For Sterling Bank Transfer

Sterling Bank transfer code is *822#. You can use the Sterling Bank USSD code to buy airtime, pay bills, and even transfer money to other banks.

  • Buy airtime (self): *822*AMOUNT#
  • Buy airtime (others): *822*AMOUNT*MOBILE NO#
  • Sterling bank within transfer: *822*4*AMOUNT*NUBAN#
  • Sterling bank to other: *822*5*AMOUNT*NUBAN#.
  • Check account balance: *822*6#
  • Check account number: *822*8#
  • Open account: *822*7#
  • To reset Pin: *822*9#

First Bank USSD Code

The official First Bank USSD code for transfer is *894#. However, there are other lists of FirstBank USSD codes that will make your transactions faster. See a list of those sub-codes below:

  • To register: *894*0#
  • Airtime recharge: *894*Amount#
  • Airtime for others: *894*Amount*Number#
  • To transfer: *894*Amount*Account number#
  • To check airtime: *894*00#
  • Mini-statement: *894*Account number#

How To Get GTBank USSD Code

To activate the GTb USSD code dial *737#. All GTBank USSD codes for mobile banking are contained below which can be used for transferring money, recharging mobile phones, checking balance and more.

  • 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#

USSD Code For FCMB Bank Transfer

The official FCMB USSD transfer code is *329#. This FCMB USSD code can be used to complete a lot of bank commands. I have outlined some quick codes for FCMB USSD Banking below:

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  • Dial *329*Amount# to top up your mobile phone.
  • Dial *329*Amount*Mobile number# to top-up other mobile phones.
  • Dial *329*Amount*Account number# to transfer funds.
  • Dial *329*00# to check balance.
  • Dial *329*0# to reset your pin.
  • Dial *329*1*Mobile Number# to buy data on your phone.
  • Dial *329*2*Smartcard Number# to pay for DSTv or GOTv subscription.

Stanbic IBTC Bank USSD Codes

All Stanbic IBTC bank USSD codes for mobile banking is *909#. For transferring money, recharging mobile phones, checking balance and more, see below a list showing Stanbic Bank USSD codes for such transactions.

  • 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#

Unity Bank USSD Codes

All Unity bank USSD codes for mobile banking is *7799#. Below is a list showing the USSD Banking Code Unity bank customer can use for transferring money, recharging mobile phones, checking balances and more.

  • 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#

What Is USSD Code For Polaris Bank

Polaris Bank USSD code for money transfer is *833#. With Polaris Bank smart code you can buy airtime,  Data and transfer money to other banks. To use the Polaris (Skye) Bank money transfer code, you need to register or sign-up first by dialing *833# first.

  • To Open an Account (*833*1#)
  • To Pay Bills (*833*2#)
  • To Transfer Funds (*833*3#)
  • To Hotlist Card
  • To Update your BVN (*833*5#) – Coming Soon
  • To Check your Balance (*833*6#)
  • To pay with MasterPass (*833*7#)

Airtime Top-up

  • To Buy Airtime for yourself: Dial *833*AMOUNT#
  • To Buy Airtime for others or yourself: Dial *833*AMOUNT*PHONENUMBER#
  • To Transfer Funds, dial *833*AMOUNT*ACCOUNTNUMBER#

What’s Zenith Bank USSD Code

To activate the USSD code for Zenith Bank transfers, just dial *966#. With this code, you can easily transfer from Zenith Bank to other any other bank within Nigeria. To carry out your Zenith mobile banking on your phone, the following codes should help:

  • To Open an account dial *966*0#
  • To check your account balance dial *966*00#
  • To Top-up your airtime dial *966*Amount*Mobile Number#
  • To transfer funds dial *966*Amount*Account Number# then follow the on-screen prompts.
  • To Update your BVN dial *966*BVN#
  • To Reset PIN dial *966*60#
  • To Deactivate mobile banking dial *966*20*0#
  • To Pay DStv and PHCN dial *966*7*Amount*Customer ID#
  • To Pay other Zenith Billers dial *966*6*Biller code*Amount#

How To Register Heritage Bank USSD Code

The Heritage Bank USSD Code is *745#. All Heritage bank USSD codes for mobile banking can be found below and can be used for transferring money, recharging mobile phones, checking your balance and more.

  • 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#

What Is The Code For Transfer In Wema Bank

The official code for Wema Bank money transfer is *945#. This is also the code for ALAT digital bank owned by Wemabank. Wema USSD code can also be used to complete other necessary commands like the ones I have listed below:

  • Buy Airtime: *945*phone Number*amount#
  • Send Money: *945*beneficiaryaccountnumber*amount#
  • Balance Enquiry: *945*0#
  • Change PIN: *945*00#
  • Get your Account Number: *945*000#
  • Open Account: *945*1#
  • change account Number: *945*2*oldaccountnumber*newaccountnumber#
  • Account Reactivation: *945*5#
  • Send Money to phone/email: *945*6*amount#

Union Bank USSD Codes

All Union bank USSD codes for mobile banking is (*826#). However, the Union bank USSD Banking codes for transferring money, recharging mobile phones, and checking balance, can be found below:

  • 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#

Note that the charge for fund transfers to other banks is ₦52.50 per transaction. It is free when it’s to another UBN account.

USSD Transfer Code For Fidelity Bank

Fidelity Bank Nigeria USSD code for transfer is *770#. The USSD code for Fidelity can also be used to complete the listed transaction below:

  • Self-recharge: Dial *770*AMOUNT#
  • Recharge For A Friend Or Family: Dial *770*PHONE*AMOUNT#
  •  To transfer funds: Dial *770*ACCOUNT*AMOUNT#

Keystone Bank USSD Code

All Keystone bank USSD codes for mobile banking is *7111#. I have outlined below the Keystone bank USSD codes you need for transferring money, recharging mobile phones, checking balances and more.

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  • 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#

UBA USSD Codes

The USSD Banking Code for UBA is *919#. But I have compiled below all UBA USSD codes for mobile banking, transferring money, recharging mobile phones, checking balance and more.

  • 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#

Those are all the major Nigerian Banks and their USSD Codes.

This article was most recently revised and updated on June 19, 2022

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