Banking with USSD in Nigeria

By:Lauren Van Niekerk

Banking USSD codes for Nigerians

Standing in long queues at the bank or ATM simply to transfer funds or complete a transaction is long gone with USSD codes. Banking with USSD codes have taken out the waiting game and make it easier to do banking from the comfort of your own home or on the go.

Here are some USSD banking codes that will improve your banking experience. By using your preferred banks ussd codes, you can transfer funds, recharge airtime and so much more.

Below you will find the USSD Banking Codes for Nigeria.

Transferring Funds

Transferring funds can be a hassle and take some time if done the traditional way, however with USSD codes; this can take half the time and is so much easier. Below are USSD codes to transfer money straight from your phone.

GUARANTY TRUST BANK (GTBANK) USSD CODE TO TRANSFER MONEY - *737# code.

  • To transfer funds to a GTBank account, just dial *737*1*AMOUNT*ACCOUNT NUM#
  • To transfer to other beneficiaries in other banks, just dial *737*2*AMOUNT*ACCOUNT NUM#

After you dial the code, you will be asked to input your last four digits of your GTBank Naira MasterCard to complete the transaction.

The minimum transfer amount is 1000 Naira and the daily transfer limit is 20 000 Naira.

DIAMOND BANK USSD CODE TO TRANSFER MONEY - *710#

The below code only works for Diamond Bank Y'ello account holders

  • To Transfer money to any Nigerian bank, just dial *710*777*ACCOUNT NO*AMOUNT*PIN#
  • To transfer money to diamond Y'ello accounts, juts dial *710*710*Phone Num*AMOUNT*PIN#

FIRST BANK USSD CODE TO TRANSFER MONEY - *894#

If you dial *894# with the number associated with your first bank account, these are the services and selections available to you:

  • Select 1 for transfer money
  • Select 2 to withdraw money
  • Select 3 make purchases
  • Select 4 to pay bills
  • Select 5 to buy airtime
  • Select 7 to manage account

Or Simply Dial:

  • *894*Amount*Account Number# to Transfer Money (To any bank in Nigeria)
  • *894*Amount# to Buy Airtime (Self)
  • *894*Amount*Phone Number# to Buy Airtime (Other lines)
  • *894*00# Check Balance

Wema Bank USSD Code for Money Transfer - *945#

  • To transfer money with Wema Bank, simply dial *945#
  • A list of options will appear including Open Account, My Balance, Send Money, Buy Airtime and Cash-on-the-go, Pay Bills, Change PIN, Change Account, Link BVN, Card Control, Pay with Mobile, Receive Western Union and Generate OTP.
  • Reply with “3” which is for transfer, you will then be asked to choose whether it is to a Wema Bank Account or other banks. Reply with the corresponding number and simply keep on following the on-screen instructions.

Fidelity Bank USSD Code for Money Transfer - *770#

The maximum transfer allowed per day is 20,000 Naira.

  • Fidelity Bank USSD money transfer code to other banks is: *770*Recipient’s Account Number*Amount#

Ecobank USSD Code for Money Transfer - *326#

This USSD code allows you to do instant transfers, account balance, bill payments, mini-account statements and airtime purchase features. To transfer money from your Ecobank account, dial *326# and follow the on-screen instructions.

Zenith Bank USSD Code for Money Transfer - *966#

This USSD code gives you access to open an account, check account balance, load recharge cards and transfer money.

  • To transfer money from your Zenith Bank account to another, dial *966*Amount*Recipient’s Account Number# and follow the instructions on the screen.

For other USSD options, dial:

  • To Open New Zenith Account, dial *966*0#
  • To Transfer money, dial *966*Amount*AccountNumber#
  • To check your account balance, dial *966*00#
  • To recharge/Top Up your phone number, dial *966*Amount*MobileNumber#

First City Monument Bank (FCMB) USSD Code for Money Transfer - *389*214#

To use the FCMB USSD service, you have to visit any FCMB branch or call their customer care on 01-2798800 to get your PIN.

  • To transfer money or do any other transaction after getting your PIN, simply dial *389*214# and follow the on screen instructions.

Skye Bank USSD Code To Transfer Money

Kindly dial *833# and follow the steps show to you in other to use the USSD code service for easy banking.

Sterling Bank USSD Code To Transfer Money

Kindly dial *822# to get started and follow the prompt message show to you.

Unity Bank USSD Code for Money Transfer

Dial *389*215# and follow the on-screen prompts.

UBA USSD Code for Money Transfer

Dial *919# and follow the on-screen instructions that follow.

Union Bank USSD Code for Money Transfer

Dial *389*032#, and follow the screen prompts to complete your transaction.

Heritage Bank USSD Code for Money Transfer

Dial *322*030# to transfer funds.

Keystone Bank USSD Code for Money Transfer

Dial *322*082# to transfer funds.

Access Bank USSD Code for Money Transfer

Dial *901#, and follow the instructions thereafter to transfer funds.

Stanbic IBTC Mobile USSD Code for Money Transfer

Dial *909# to transfer money to your desired account.

AIRTIME RECHARGE

Have you run out of airtime and have no cash on hand? Here are some USSD codes to recharge without needing to go to your nearest bank.

Bank Code Recharge Limit

Guaranty Trust Bank (GTB)

*737*Amount#

5000 Naira

Fidelity

*770*Amount#

 

5000 Naira

 

Recharge other line:

*770*Amount*Recipient no#

First Bank

*894*Amount#

3000 Naira

*894**Amount Recipient no#

Sterling Bank

*822*Amount#

 

*822*Amount* Recipient no#

Skye Bank

*833*Amount#

 

*833*Amount* Recipient no #

United Bank for Africa (UBA)

*919*Phone Number*Amount#

To recharge your number or other numbers you wish to recharge

 

EcoBank

*326*Amount#

 

*326*Amount* Recipient no #

Zenith Bank

*302*Amount#

5000 Naira

*966*Amount* Recipient no #

Stanbic IBTC Bank

*909*Amount#

5000 Naira

*909*Amount* Recipient no #

Access Bank

*901*Amount#

 

*901*Amount* Recipient no #

Heritage Bank

*322*030*Amount#

To recharge your number or other numbers you wish to recharge

 

KeyStone Bank

*322*082*Amount#

To recharge your number or other numbers you wish to recharge

 

Union Bank

*389*032*Amount#

To recharge your number or other numbers you wish to recharge

 

First City Monument Bank (FCMB)

*322*214*Amount#

 

*322*213 * Recipient no*Amount #

To recharge your number or other numbers you wish to recharge

Wema BANK

*322*035*Amount #

 

*322*035* Recipient no*Amount #

To recharge your number or other numbers you wish to recharge

Dial *945# and select “buy airtime” option

Diamond Bank

*302*Amount#

 

*710*555* Recipient no*Amount*PIN # to recharge Diamond Y’ello account

*302*Amount* Recipient no # to recharge another phone number

Unity Bank

*322*215*Amount#

 

USSD banking in Nigeria

Now that you're well acquainted with USSD banking will you use it regularly or do you prefer the Smartphone app? Have you used USSD banking? Tell us about it in the comments section below.

Contact us

Want to know more about USSD or want to create your own USSD codes then contact to us here.

Sources: Naigatechhub, femtoptech, trusttorun.