USSD code offer fast, convenient banking in Nigeria without the hassle. Simply dial the code for your Nigerian bank on your mobile phone to check balances, transfer funds, and more in seconds.
Whether you bank with Access, GTBank, UBA, Zenith, FirstBank, or any other major financial institution in Nigeria, we’ve put together a complete list of the latest USSD codes to save you time and effort. With more and more people using mobile devices as their preferred way to manage accounts, these short number codes are essential tools.
In this comprehensive guide, we provide quick and easy access to all major Nigerian banks’ USSD codes in one place. We’ll walk you through exactly how to use them to activate services, check account activity, pay bills, and conduct other transactions right from your phone.
Read on to simplify and speed up your banking with USSD codes so you can gain control of your money from anywhere.
NIGERIAN BANKS USSD CODES
- First Bank USSD code: Dial *894# to access First Bank mobile banking.
- GTBank USSD code: Dial *737# to access GTBank mobile banking.
- Access Bank USSD code: Dial *901# to access Access Bank mobile banking.
- Zenith Bank USSD code: Dial *966# to access Zenith Bank mobile banking.
- UBA USSD code: Dial *919# to access UBA mobile banking.
- Fidelity Bank USSD code: Dial *770# to access Fidelity Bank mobile banking.
- Stanbic IBTC Bank USSD code: Dial *909# to access Stanbic IBTC Bank mobile banking.
- Ecobank USSD code: Dial *326# to access Ecobank mobile banking.
- Union Bank USSD code: Dial *826# to access Union Bank mobile banking.
- Wema Bank USSD code: Dial *945# to access Wema Bank mobile banking.
ACCESS BANK USSD CODE
Dial *901# for Access Bank USSD banking
- Open Account: Dial *901*0# to open Access bank account.
- Check Account Balance: Dial *901*00# to check account balance in Access
- Transfer Money: Dial *901*Amount*Account Number# to transfer money to Access bank account and other banks.
- Buy Airtime: Dial *901*Amount# to buy airtime for yourself or dial *901*Amount*Phone Number# to buy airtime for others
GTBANK USSD CODE
Dial *737# to access GTBank USSD banking
- Open Account: Dial *737*0# and follow the prompts on your phone screen.
- Check Account Balance: Dial *737*6*1# to check your account balance in GTBank.
- Transfer Money: Dial *737*1*Amount*NUBAN Account Number# to transfer money to GTBank account or dial *737*2*Amount*NUBAN Account Number# to transfer funds to other banks from GTBank.
- Buy Airtime: Dial *737*amount# on your phone to buy airtime for yourself or dial *737*Amount*Recipient’s number# to buy airtime for your friends or family members.
- Take Loan: Dial *737*51*51# to request for GTBank Quick Credit loan instantly.
- Generate OTP: Dial *737*7# to generate One Time Password [OTP] to make a quick transaction on-the-go without your GTBank hardware token.
FCMB USSD CODE
Dial *329# to access FCMB USSD banking services.
- Check Account Balance: Dial *329*00# to check your FCMB account balance.
- Transfer Money: Dial *329*Amount*Account number# to transfer money.
- Buy Airtime: Dial *329*Amount# to top-up your mobile phone or dial *329*Amount*Mobile number# to purchase airtime for others.
FIRST BANK USSD CODE
Dial *894*0# to get started with First Bank USSD banking.
- Open Account: Dial *894*0# to open a First Bank account.
- Check Account Balance: Dial *894*00# to check your First Bank account balance.
- Transfer Money: Dial *894*Amount*Account Number# to transfer funds to FBN account and other banks.
- Buy Airtime: Dial *894*Amount# to buy airtime for yourself or dial *894*Amount*Phone Number# to top-up airtime for friends and family members.
FIDELITY BANK USSD CODE
Dial *770# to access fidelity USSD banking service on the go.
- Open Account: Dial *770*01# to open fidelity bank account.
- Check Account Balance: Dial *770*0# and follow the on-screen prompts to check your account balance.
- Transfer Money: Dial *770*ACCOUNT*AMOUNT# to transfer funds.
- Buy Airtime: Dial *770*AMOUNT# to top-up your mobile phone or dial *770*PHONE NUMBER*AMOUNT# to recharge another phone airtime.
STERLING BANK USSD CODE
Dial *822# to access Sterling Bank’s USSD service.
- Open Account: Dial *822*7# and follow the onscreen prompts to open account at Sterling Bank.
- Check Account Balance: Dial *822*6# to check your transactions and account balance at Sterling Bank.
- Transfer Money: Dial *822*Amount*Account Number# to transfer money to any bank in Nigeria.
- Buy Airtime: Dial *822*AMOUNT# to recharge your phone or dial *822*AMOUNT*Phone Number# to send airtime to a third party.
UBA USSD CODE
Dial *919# to access United Bank for Africa (UBA) USSD banking services.
- Open Account: Dial *919# to open a bank account with UBA.
- Check Account Balance: Dial *919*00# to check your UBA’s account balance.
- Transfer Money: Dial *919*3*account number*amount# to transfer funds to UBA account or dial *919*32# to send money to UBA prepaid card or dial *919*4*account number*amount# to transfer money to other banks in Nigeria or dial *919*6# to send money to a microfinance bank like Kuda and fintechs like Flutterwave.
- Buy Airtime: Dial *919*amount# to recharge your registered mobile number or dial *919*Phone Number* Amount# to top-up other phone numbers.
ZENITH BANK USSD CODE
Dial *966# to start enjoying Zenith Bank’s USSD Eazybanking service.
- Open Account: Dial *966*0# and follow the onscreen prompts. An account number will be created automatically and sent to you via SMS.
- Check Account Balance: Dial *966*00# on your mobile phone and follow the on-screen prompts to check your account balance.
- Transfer Money: Dial *966*Amount*Account Number# to transfer funds conveniently.
- Buy Airtime: Dial *966*Amount*Mobile Number# to buy airtime.
COMMON TRANSACTIONS YOU CAN PERFORM WITH USSD CODES
In Nigeria, USSD codes offer a convenient way to perform a variety of banking transactions directly from your mobile phone. Here are some common transactions you can carry out using USSD codes:
- Balance Enquiry: Check your account balance instantly.
- Fund Transfer: Send money to other bank accounts within or outside your bank.
- Bill Payments: Pay utility bills, such as electricity, water, and cable TV subscriptions.
- Airtime Recharge: Buy airtime for yourself or others directly from your bank account.
- Account Statements: Request mini account statements to track your recent transactions.
- BVN (Bank Verification Number) Services: Perform BVN enquiries, such as linking your BVN to your account.
- Cardless Withdrawal: Initiate withdrawals without your ATM card from specific ATMs.
- Loan Requests: Apply for and manage short-term loans.
- Change PIN and Manage Account: Change your transaction PIN and update personal details.
- Fixed Deposit and Investment Services: Set up fixed deposits or make investment-related transactions.
COMPREHENSIVE LIST OF NIGERIAN BANKS USSD CODES
| BANK NAME | USSD CODE | SERVICES ACCESSIBLE |
| Access Bank | *901# | Transfer funds, check account balance, pay bills, buy airtime, open new accounts, request loans |
| Wema [ALAT] Bank | *945# | Transfer funds, check account balance, pay bills, buy airtime, open new accounts, set savings goals |
| Ecobank | *326# | Transfer funds, check account balance, pay bills, buy airtime, open new accounts, manage investments |
| Fidelity Bank | *770# | Transfer funds, check account balance, pay bills, buy airtime, open new accounts, manage fixed deposits |
| First Bank | *894# | Transfer funds, check account balance, pay bills, buy airtime, open new accounts, request loans |
| First City Monument Bank (FCMB) | *898# | Transfer funds, check account balance, pay bills, buy airtime, open new accounts, request loans |
| Guaranty Trust Bank (GTBank) | *737# | Transfer funds, check account balance, pay bills, buy airtime, open new accounts, invest in mutual funds |
| Heritage Bank | *322# | Transfer funds, check account balance, pay bills, buy airtime, open new accounts, manage savings plans |
| Keystone Bank | *822# | Transfer funds, check account balance, pay bills, buy airtime, open new accounts, manage fixed deposits |
| Stanbic IBTC Bank | *909# | Transfer funds, check account balance, pay bills, buy airtime, open new accounts, request loans |
| Sterling Bank | *822# | Transfer funds, check account balance, pay bills, buy airtime, open new accounts, manage fixed deposits |
| Union Bank | *826# | Transfer funds, check account balance, pay bills, buy airtime, open new accounts, request loans |
| United Bank for Africa (UBA) | *919# | Transfer funds, check account balance, pay bills, buy airtime, open new accounts, invest in treasury bills |
| Zenith Bank | *966# | Transfer funds, check account balance, pay bills, buy airtime, open new accounts, manage investments |
A STEP-BY-STEP GUIDE TO USSD BANKING IN NIGERIA
USSD codes have revolutionized the way Nigerians interact with their banks, providing a convenient and accessible platform for conducting a wide range of financial transactions.
To harness the power of USSD banking, follow these step-by-step guides for common banking transactions:
CHECKING ACCOUNT BALANCE WITH USSD CODE:
- Open your mobile phone’s dial pad and enter your bank’s USSD code. For example, if you are an Access Bank customer, dial *901#
- You will receive a menu prompt. Select the option for “Account Balance” or “Check Balance”
- Enter your registered phone number associated with your bank account
- You will receive an instant SMS notification with your current account balance
TRANSFERRING FUNDS WITH USSD CODE:
- Dial your bank’s USSD code and follow the menu prompts to select “Transfer Funds” or “Send Money”
- Enter the recipient’s phone number or account number
- Enter the amount you wish to transfer
- Verify the recipient’s details and confirm the transaction
- You will receive a confirmation SMS once the transfer is completed
PAYING BILLS WITH USSD CODES:
- Dial your bank’s USSD code and follow the menu prompts to select “Pay Bills” or “Bill Payment”
- Select the type of bill you wish to pay, such as utility bills, airtime recharge, or cable subscriptions
- Enter the biller’s code or select from a list of available billers
- Enter your account number or customer ID associated with the bill
- Enter the amount you wish to pay
- Verify the bill details and confirm the transaction
- You will receive a confirmation SMS once the bill payment is processed
BUYING AIRTIME WITH USSD CODES:
- Dial your bank’s USSD code and follow the menu prompts to select “Buy Airtime” or “Airtime Recharge”
- Enter your phone number or the phone number of the recipient
- Select the network provider
- Enter the amount of airtime you wish to purchase
- Verify the airtime details and confirm the transaction
- You will receive a confirmation SMS once the airtime is successfully purchased
OPENING NEW ACCOUNTS WITH USSD CODE:
- Dial your bank’s USSD code and follow the menu prompts to select “Open Account” or “Account Opening”
- Select the type of account you wish to open, such as savings account, current account, or fixed deposit
- Provide your personal information, including your name, address, and date of birth
- Create a secure password for your new account
- Review and confirm the account opening details
- You will receive a confirmation SMS with your new account number
REQUESTING LOANS WITH USSD CODE:
- Dial your bank’s USSD code and follow the menu prompts to select “Loan Request” or “Apply for Loan”
- Select the type of loan you are interested in, such as personal loan, business loan, or overdraft facility
- Provide your personal information and financial details
- Specify the loan amount and repayment terms
- Review and confirm the loan application details
- You will receive a notification regarding the status of your loan application
SECURITY TIPS FOR SAFE USSD BANKING:
- Never share your bank account details or USSD PIN with anyone
- Avoid using USSD banking in public Wi-Fi networks
- Regularly update your phone’s operating system and security software
- Report any suspicious activity or unauthorized transactions to your bank immediately.
