Complete List of all Bank USSD Codes for transactions in Nigeria can be accessed below:
We understands that the introduction of USSD codes (Unstructured Supplementary Service Data) has changed the Nigerian banking system completely. Today, mobile banking services have been deployed by almost every bank in Nigeria.
For starters, USSD codes are shortcodes that commonly begin with an asterisk/star (*) symbol and end with a hash/hashtag (#) symbol e.g. *123#.
List of Nigeria Banks USSD codes (in alphabetical order)
List of all Bank USSD Code in Nigeria for Transactions
- Access (Diamond) Bank – *901#
- EcoBank – *326#
- Fidelity Bank – *770#
- First Bank – *894#
- First City Monument Bank (FCMB) – *389*214#
- Guaranty Trust Bank (GTB) – *737#
- Heritage Bank – *322*00#
- JAIZ Bank – *389*301#
- Keystone Bank – *7111#
- Kuda – *894#
- Opay – *955#
- Palmpay – *652#
- Polaris Bank – *833#
- Stanbic IBTC Bank – *909#
- Sterling Bank – *822#
- United Bank for Africa (UBA) – *919#
- Union Bank – *826#
- Unity Bank – *7799#
- Wema Bank (Same Code for Alat) – *945#
- Zenith Bank – *966#
- TajBank – *898#
How to use USSD codes to perform bank transactions
- Input the bank’s USSD code into your phone’s dialer and hit the dial/call button
- Follow the prompt displayed on your phone’s display.
- If you’re using a bank’s USSD code for the first time, you’ll be asked to set up a PIN which you’ll use to approve/verify transactions. Some banks might require you to use the last 4 – 6 digits of your debit/ATM card as your security PIN.
Before you can use the USSD code of any Nigerian bank to perform transactions, you need to have an active account with that particular bank — except you’re trying to open a new account using the USSD code. Also, the number you’re dialing the code from must be associated with your account in the bank.
If you no longer use the number associated with your bank account, or you have misplaced the SIM card, you should contact your bank to change the phone number associated with your account. Alternatively, you can retrieve the SIM card from your network carrier.
And while USSD services are mostly free to use, some banks charge a fee in the range of 5 – 20 naira for every successful transaction/activity carried out using their USSD interface.
Different List of Nigerian Banks USSD Codes for Transaction
The following tables cover the 17 different Nigerian Banks and their personalized transaction codes. You can use these codes to make interbank and interbank transfers, pay bills, check account balances, block or unblock your ATM cards, update BVN, etc., With a few clicks on your phone. What’s more? You don’t even need internet connections to carry out any of these functions.
1. Access Bank USSD Codes (*901#)
Transaction Type USSD Code
| Airtime Top-Up for Self | *901*Amount# |
| Airtime Top-Up for Others | *901*Amount*Phone Number# |
| Deactivate Account | *901*911# |
| Pay bills | *901*3# |
| Transfer to Other banks | *901*2*AMOUNT*NUBAN Account Number# |
| Transfer to Access Account | *901*1*AMOUNT*NUBAN Account Number# |
| Check Balance | *901*00# |
| Account Opening/ PIN Change/
Registration |
*901*0# |
2. ALAT Bank USSD Codes (*945#)
Transaction Type USSD Code
| Airtime Top-Up for Others | *945*phone Number*Amount# |
| Airtime Top-Up for Self | *945*Amount# |
| Check balance | *945*0# |
| Transfer to ALAT Account | *945*Account Number*Amount# |
| Transfer to Other banks | *945*Account Number*Amount# |
3. Ecobank USSD Codes (*326#)
Transaction Type USSD Code
| Airtime Top-Up for Others | *326*Amount*PhoneNumber# |
| Airtime Top-Up for Self | *326*Amount# |
| Check balance | *326*0# |
| Pay bills | *326# |
| Transfer to Ecobank Account | *326# |
| Transfer to Other banks | *326# |
4. Fidelity Bank USSD Codes (*770#)
Transaction Type USSD Code
| Airtime Top-Up for Others | *770*PHONE*AMOUNT# |
| Airtime Top-Up for Self | *770*AMOUNT# |
| ATM cardless withdrawal | *770*8*AMOUNT# |
| Block Account from USSD Banking | *770*08012345678# |
| Block Card | *770*911# |
| Block Phone from USSD Banking | *770*911*08012345678# |
| Change PIN | *770*00# |
| Check balance | *770*0# |
| Choose SMS and Email Alert | *770*2# |
| Pay bills | *770# |
| Transfer to Fidelity Account | *770*ACCOUNT*AMOUNT# |
| Transfer to Other banks | *770*ACCOUNT*AMOUNT# |
| Update BVN | *770*02# |
5. FCMB USSD Codes (*329#)
Transaction Type USSD Code
| Airtime Top-Up for Others | *329*Amount*Mobile number# |
| Airtime Top-Up for Self | *329*Amount# |
| Block USSD Profile or
Bank Account |
*329*911# |
| Buy Data | *329*1*Mobile Number# |
| Check balance | *329*00# |
| Pay bills (DSTv/GOTv) | 329*2*Amount*Smartcard Number# |
| Pay Electricity Bill | *329*3*Amount*Meter No# or *329*3*Amount*AccountID# |
| Reset PIN | *329*0# |
| Transfer to FCMB Account/
Other banks |
*329*Amount*Account number# |
6. First Bank USSD Codes (*894#)
Transaction Type USSD Code
| Account Opening | *894*0# |
| Airtime Recharge for Others | *894*Amount*Phone Number# |
| Airtime Recharge for Self | *894*Amount# |
| Check Balance | *894*00# |
| Deactivate Your Mobile Number | *894*911# |
| Mini-Statement | *894*Account Number# |
| Register for USSD Banking | *894*0 |
| Transfer to First Bank/
Other bank Accounts |
*894*Amount*Account Number# |
7. GTBank USSD Codes (*737#)
Transaction Type USSD Code
|
Account Opening |
*737*0# |
| Airtime Top-Up for Others | *737*Amount*Recipient’s number# |
| Airtime Top-Up for Self | *737*amount# |
| Check Account Number/
Check Balance/BVN |
*737*6*1# |
| Create PIN | *737*5# |
| Data Top-Up | *737*4# |
| Make Enquires | *737*6# |
| Reactivate Account | *737*11# |
| Transfer to GTBank Account | *737*1*Amount*NUBAN Account Number# |
| Transfer to Other banks | *737*2*Amount*NUBAN Account Number# |
8. Heritage Bank USSD Codes (*745#)
Transaction Type USSD Code
| Airtime (Self) | *745*Amount# |
| Airtime (Third Party) | *745*Amount*MobileNumber# |
| Balance Enquiry | *745*0# |
| Bet9ja Top-up | *745*222*Bet9jaUserID*Amount# |
| Block Your Account from any phone | *745*11# |
| Change USSD PIN | *745*00# |
| Transfer to a Heritage Bank Account | *745*1*Amount*AccountNumber# |
| Transfer to Other Banks | *745*2*Amount*AccountNumber# |
| LCC Payment | *745*000*522+etagNo+100# |
| Pay with USSD (on POS/Web) | *745*000*RefCode# |
| USSD Registration With ATM Card | *745*AccountNumber*Last6DigitOfCard# |
| USSD Registration Without ATM Card | *745*AccountNumber# |
9. Keystone Bank USSD Codes (*7111#)
Transaction Type USSD Code
| Activate Debit Card | *7111*9*123# |
| Change your default Top-up Account: | *7111*AcctNo# |
| Check account balance | *7111*00# |
| Check balance | *7111*1# |
| Mobile Data Top-Up | *7111*5# |
| Panic Code
(In case of theft/password compromise) |
*7111*911# |
| Pay bills | *7111*2# |
| Recharge for others | *7111*Amount*Phone Number# |
| Recharge your phone | *7111*Amount# |
| Send Money | *7111*Amount*Nuban Account Number# |
| USSD Registration | *7111*0# |
10. Polaris Bank USSD Codes (*833#)
Transaction Type USSD Code
| Airtime Top-Up for Others | *833*AMOUNT*PHONENUMBER# |
| Airtime Top-Up for Self | *833*AMOUNT# |
| Check balance | *833*6# |
| Opening Account | *833*1# |
| Pay bills | *833*2# |
| Pay With MasterPass | *833*7# |
| Transfer to Polaris Account/Others | *833*AMOUNT*ACCOUNTNUMBER# |
| Update BVN | *833*5# |
11. Stanbic IBTC Bank USSD Codes (*909#)
Transaction Type USSD Code
| Airtime Top-Up for Others | *909*Amount*phone number# |
| Airtime Top-Up for Self | *909*Amount# |
| Check balance | *909*1*1# |
| Transfer to Other banks | *909*22*Amount*Account Number# |
| Transfer to Stanbic Account | *909*11*Amount*Account Number# |
12. Sterling Bank USSD Codes (*822#)
Transaction Type USSD Code
| Airtime Top-Up for Others | *822*Amount*Phone Number# |
| Airtime Top-Up for Self | *822*Amount# |
| Check Account Number | *822*8# |
| Check balance | *822*6# |
| Register for USSD Service | 822*1*NUBAN# |
| Transfer to Other banks | *822*5*Amount*Account Number# |
| Transfer to Sterling Account | *822*4*Amount*Account Number# |
13. UBA USSD Codes (*919#)
Transaction Type USSD Code
| Airtime Top-Up for Others | *919* Phone number* Amount# |
| Airtime Top-Up for Self | *919*Amount# |
| ATM cardless withdrawal | *919*30*Amount# |
| Check balance | *919*00# |
| Load UBA Prepaid Card | *919*32# |
| Pay bills | *919*5# |
| Transfer to Other banks | *919*4*account number*amount# |
| Transfer to UBA Account | *919*3*account number*amount# |
14. Union Bank USSD Codes (*826#)
Transaction Type USSD Code
| Airtime Top-Up for Others | *826*amount*recipient’s mobile no# |
| Airtime Top-Up for Self | *826*amount# |
| Check balance | *826# |
| Create PIN | *826*5# |
| Register | *826# |
| Transfer to Other banks | *826*2*amount*account no# |
| Transfer to Union Account | *826*1*amount*account no# |
15. Unity Bank USSD Codes (*7799#)
Transaction Type USSD Code
| Balance inquiry | *7799*0# |
| Bet9ja Wallet funding | *7799*403*Bet9ja ID*amount# |
| Block account | *7799*9*phone number# |
| BVN verification | *7799*5# |
| Cardless withdrawal | *7799*8*Amount# |
| Self recharge | *7799*Amount# |
| Third-party Airtime Recharge | *7799*Phoneno*amount# |
| Transfer to Other banks | *7799*2*accountno*amount# |
| Transfer to Unitybank | *7799*1*accountno*amount# |
| USSD on POS | *7799*000*RefID# |
16. Wema Bank USSD Codes (*945#)
Transaction Type USSD Code
| Airtime Top-Up for Others | *945*phone Number*Amount# |
| Airtime Top-Up for Self | *945*Amount# |
| Check balance | *945*0# |
| Transfer to Other banks | *945*Account Number*Amount# |
| Transfer to Wema Account | *945*Account Number*Amount# |
17. Zenith Bank USSD Codes (*966#)
Transaction Type USSD Code
| Airtime Top-Up for Self/Others | *966*Amount*Mobile Number# |
| Block ATM Card | *966*60# |
| Check balance | *966*00# |
| Deactivate Account | *966*911# |
| Deactivate Mobile Banking Profile | *966*20*0# |
| Opening Account | *966*0# |
| Other Self Service | *966*60# |
| Pay bills (DSTv/PHCN) | *966*7*Amount*Customer ID# |
| Pay Zenith Billers | *966*6*Biller code*Amount# |
| Reset USSD Password/PIN | *966*60# |
| Transfer to Zenith Account
/Other Banks |
*966*Amount*Account Number# |
| Update BVN | *966*BVN# |
Is there any Nigerian bank USSD code for transactions that we didn’t include in the list? Let us know in the comments. Also, we’ll keep this list updated as more banks roll out their USSD codes.
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