Lately, all Nigerian banks are trying to make banking quite easy and convenient for its customers by developing various alternative ways to bank while on the go such as mobile banking, mobile money, internet banking, ATM transactions and now banking on phone via USSD codes without internet connection. It all started from GTBank with the introduction of GTB *737# mobile banking and gradually most banks picked up the idea due to the ease it offers and now its everywhere.
So in this post, you will find the USSD codes for 14 Nigerian banks with which you can easily transfer money and carry out other bank transactions in just any phone. As well as the steps on how to carry out this transactions. And by just any phone, I mean you can transfer your money even on a Nokia touch light, tecno phones without internet connection. You don't even need a mobile app nor a visit to an ATM machine.
What Is A USSD Code? USSD (Unstructured Supplementary Service Data) is a Global System for Mobile(GSM) communication technology that is used to send text between a mobile phone and an application program in the network. Applications may include prepaid roaming or mobile chatting. An example is the code you use to load recharge card or check airtime balance on MTN, Glo, Airtel and 9mobile (that is *556#, *555*pin#).
Why You Should Transfer Using This Codes/Medium?
==>It's Secure
==>No stress; just dial the codes and follow the instruction voila.
==>Easy and convenient: you can use this to transfer money to a friend that is stranded. And your friend could actually do the same for you. Meaning it could be a life saver when stranded.
What you need to know? ==>To transfer funds to a friend, using same bank as you or to other bank, all you have to do dial the code associated to your bank (will be given to you below) after which you follow the instructions there after.
==>You need to carry this out on the mobile phone number registered to your bank account. ==>Some banks require registration after which they will generate a pin code for you. Before this service can be activated on your account and linked to your phone number.
==>Just like in most mobile app transfer, transferring money on phone via ussd codes also have a daily, weekly limit but all depends on your bank.
==>This service is free to use. However, transfer charges may apply.
Transfer USSD Code For Nigerian Banks!
Guaranty Trust Bank 🏦 (GTB)
To transfer money to any GTBank account, simply dial *737*1*Amount*NUBAN Account No# e.g. *737*1*1000*1234567890# from the mobile number registered with the Bank 🏦.
If you want to send money to a non GTB Acct (other Bank 🏦 such as Access Bank 🏦, UBA etc) dial *737*2*Amount*NUBAN Account No# e.g. *737*2*1000*1234567890#. You will be required to enter the last four digits of your GTBank Naira Master Card 💳 in order to authenticate the transfer.
First Bank 🏦To make any transaction on your phone 📱 using bank 🏦 USSD code, follow the below speed dial.
To transfer money 💰= *894# and select 1
To withdraw money 💰 = *894# and select 2
To make purchase = *894# and select 3
To pay bills = *894# and select 4
To buy airtime = *894# and select 5
To manage account = *894# and select 7
Diamond Bank 🏦
Diamond Bank 🏦 USSD code seems to be available only for Y’ello account holders, to Transfer money 💰 to any bank 🏦 Dial *710*777*ACCOUNT NO*AMOUNT*PIN#.
For Diamond Y’ello to Diamond Y’ello Transfers Dial *710*710*PHONE NO*AMOUNT*PIN#.
Fidelity Bank 🏦
To transfer money 💰 to any Fidelity bank 🏦 account dial this *770*NUBAN Account no*Amount#; i.e if you want to send N1,000 to another Fidelity bank 🏦 account, dial *770*1234567890*1000# then enter your 4 digit pin.
However if this is your first time of using the service, and you do not have any Registered PIN before, then you will need to create one by dialing *770#, Enter your NUBAN Account number 🔢 (Fidelity bank 🏦 account number 🔢), Select a 4-digit PIN for your account. Now you can proceed to make your transfer.
Wema Bank 🏦
For Wema Bank 🏦 USSD transfer code dial *322*035*NUBAN*AMOUNT#. This most be initiated on the same Phone 📱 number 🔢 you registered with your account.
Ecobank
Ecobank Mobile Banking USSD transfer code Dial *326# and follow the on screen prompt.
Skye Bank 🏦
Skye Bank 🏦 USSD code Simply dial *833# to get started and follow the prompts strictly.
Sterling Bank 🏦
Sterling Bank 🏦 USSD code dial *822# To get started and follow the instructions.
An access fee of N5 will be deducted from your airtime each time you dial the sterling bank 🏦 ussd code on your phone. A PIN will also be required to complete transactions via the ussd code. You will get the pin when you register for the Sterling bank 🏦 *822# service.
United Bank 🏦 for Africa (UBA)
UBA USSD code Simply dial *919# from your registered phone 📱 number 🔢 to start.
Unity Bank 🏦For Unity Bank 🏦 USSD code dial *389*215# and follow the screen prompts.
Zenith Bank 🏦
For Zenith Bank 🏦 USSD code use as follows:
To create a bank 🏦 account simply dial *966*0#.
To check your account balances simply dial; *966*00#
To load airtime simply dial *966*Amount*Mobile Number#
To transfer money to another account Dial *966*Amount*Account Number# (e.g. *966*1000*1234567890#)
First City Monument Bank 🏦 (FCMB)
To use FCMB USSD mobile banking code Dial *389*214# and you will receive a Welcome Message with options to reply with as follows:
1. Activate with card 💳
2. Activate with Account
3. Activate with Mwallet
Choose option 2 since it is your first time using the service and Enter your account number 🔢, thereafter you may need to Call Care Centre on 01-2798800 or visit any FCMB branch to generate your PIN. Once you have your PIN Dial *389*214# on the phone 📱 and click on Security, Select Change PIN to enter your default PIN and enter your new four digits PIN when prompted.
Dial *389*214# to access the FCMB Mobile 📱 service.
Heritage Bank 🏦 USSD Code
All you need is the mobile 📱 number 🔢 you have registered with your Heritage Bank 🏦 account.
You can recharge your line, recharge another person’s line, transfer funds or pay bills by just sending the required code.
Self-recharge – *322*030*AMOUNT#
Third Party Recharge – *322*030*PHONENUMBER*AMOUNT#
Transfer Money 💰 – *322*030*ACCOUNTNUMBER*AMOUNT#
Bill Payment – *322*030*BILLER ID *AMOUNT#, for example, to pay for LCC Dial *322*030*1066*AMOUNT#
KeyStone Bank 🏦 USSD Codes
You can use the USSD mode with all phone 📱 types by dialing *322*082# (MTN, AIRTEL & 9mobile) or *805*082# (GLO only) and follow the steps below to opt-in (register):
1. Select the Keystone Bank 🏦
2. Enter NUBAN Account Number 🔢
3. Enter any 4 digit number 🔢 you can remember as the m-Pin
4. Confirm m-Pin
Customers will need to visit any Keystone Bank 🏦 branch for full/transfer access.
Union Bank 🏦 USSD Codes
Union Bank 🏦 the USSD code for Union Bank is *826*amount#. Self Recharge
*826*amount*Mobile No# for 3rd party
You can check Your Account Balance By texting Bal to 20123 from The Phone 📱 Number 🔢 registered to your Bank 🏦 Account.
Other Banks 🏦
You can make use of Quick teller to transfer money 💰 from your bank 🏦 to another with phone number 🔢 or account number 🔢.
With Quickteller, customers can also transfer money 💰 from their account to any other accounts in Nigeria provided its Mastercard 💳, Verve or VISA Card 💳.
==>15. Access Bank Bank *901#