Mobile banking has become an essential tool for millions of Nigerians, offering a fast and convenient way to conduct transactions without the need for internet access or visiting a bank branch. With USSD codes, you can perform a wide range of banking services directly from your mobile phone—whether you're buying airtime, transferring money, checking your balance, or paying bills.

We’ll provide a comprehensive list of mobile banking USSD codes for all Nigerian banks and explain how to use them for various transactions. Whether you're a customer of one of the leading banks or a smaller financial institution, this guide will help you maximize the benefits of mobile banking.

What is USSD Banking?

Unstructured Supplementary Service Data (USSD) is a technology that allows users to communicate directly with their bank's system via simple codes on their mobile phones. It works on all types of mobile phones—smartphones and feature phones alike—and doesn’t require internet connectivity. The system is designed to make banking easy and accessible, especially for those in rural areas or without regular access to the internet.

Benefits of USSD Banking

    

• No Internet Required: USSD codes work without the need for mobile data or Wi-Fi, making them accessible for everyone with a mobile phone and network signal.
• Fast and Easy: With just a few dialed numbers, you can complete transactions within seconds, no matter where you are.
• Available 24/7: USSD banking is available at all times, including weekends and public holidays.
• Secure: Transactions are secured with PINs and are performed in real-time, reducing the chances of fraud.
• Cost-effective: Using USSD for banking transactions incurs minimal charges compared to other banking platforms.

USSD Codes for All Nigerian Banks

Here’s a comprehensive list of all major Nigerian banks and their corresponding USSD codes, along with brief instructions on how to use them for common transactions like money transfers, airtime recharge, balance inquiries, and more.

1. GTBank (Guaranty Trust Bank)

USSD Code: *737#How to Use:

    

• Transfer money: Dial *737*2Amount*Account Number#
• Buy airtime for yourself: Dial *737*Amount#
• Check account balance: Dial *737*6*1#

2. First Bank of Nigeria

USSD Code: *894#How to Use:

    

• Transfer money: Dial *894*Amount*Account Number#
• Buy airtime for yourself: Dial *894*Amount#
• Check account balance: Dial *894*00#

3. Access Bank

USSD Code: *901#How to Use:

    

• Transfer money: Dial *901*2*Amount*Account Number#
• Buy airtime for yourself: Dial *901*Amount#
• Check account balance: Dial *901*5#

4. Zenith Bank

USSD Code: *966#How to Use:

    

• Transfer money: Dial *966Amount*Account Number#
• Buy airtime for yourself: Dial *966*Amount#
• Check account balance: Dial *966*00#

5. UBA (United Bank for Africa)

USSD Code: *919#How to Use:

    

• Transfer money: Dial *919*4*Amount*Account Number#
• Buy airtime for yourself: Dial *919*Amount#
• Check account balance: Dial *919*00#

6. Fidelity Bank

USSD Code: *770#How to Use:

    

• Transfer money: Dial *770*Account Number*Amount#
• Buy airtime for yourself: Dial *770*Amount#
• Check account balance: Dial *770*0#

7. Union Bank

USSD Code: *826#How to Use:

    

• Transfer money: Dial *826*2Amount*Account Number#
• Buy airtime for yourself: Dial *826*Amount#
• Check account balance: Dial *826*4#

8. Ecobank

USSD Code: *326#How to Use:

    

• Transfer money: Dial *326*Amount*Account Number#
• Buy airtime for yourself: Dial *326*Amount#
• Check account balance: Dial *326*0#

9. Stanbic IBTC Bank

USSD Code: *909#How to Use:

    

• Transfer money: Dial *909*22*Amount*Account Number#
• Buy airtime for yourself: Dial *909*Amount#
• Check account balance: Dial *909*1*1#

10. Polaris Bank

USSD Code: *833#How to Use:

    

• Transfer money: Dial *833*Amount*Account Number#
• Buy airtime for yourself: Dial *833*Amount#
• Check account balance: Dial *833*6#

11. FCMB (First City Monument Bank)

USSD Code: *329#How to Use:

    

• Transfer money: Dial *329*Amount*Account Number#
• Buy airtime for yourself: Dial *329*Amount#
• Check account balance: Dial *329*00#

12. Wema Bank

USSD Code: *945#How to Use:

    

• Transfer money: Dial *945*Account Number*Amount#
• Buy airtime for yourself: Dial *945*Amount#
• Check account balance: Dial *945*0#

13. Sterling Bank

USSD Code: *822#How to Use:

    

• Transfer money: Dial *822*Amount*Account Number#
• Buy airtime for yourself: Dial *822*Amount#
• Check account balance: Dial *822*6#

14. Heritage Bank

USSD Code: *745#How to Use:

    

• Transfer money: Dial *745*Amount*Account Number#
• Buy airtime for yourself: Dial *745*Amount#
• Check account balance: Dial *745*0#

15. Keystone Bank

USSD Code: *7111#How to Use:

    

• Transfer money: Dial 7111Amount*Account Number#
• Buy airtime for yourself: Dial 7111Amount#
• Check account balance: Dial 71111#

16. Jaiz Bank

USSD Code: *773#How to Use:

    

• Transfer money: Dial *773*Amount*Account Number#
• Buy airtime for yourself: Dial *773*Amount#
• Check account balance: Dial *773*1#

17. Unity Bank

USSD Code: *7799#How to Use:

    

• Transfer money: Dial *7799*Amount*Account Number#
• Buy airtime for yourself: Dial *7799*Amount#
• Check account balance: Dial *7799*0#

18. SunTrust Bank

USSD Code: *5230#How to Use:

    

• Transfer money: Dial *5230*Amount*Account Number#
• Buy airtime for yourself: Dial *5230*Amount#
• Check account balance: Dial *5230*1#

19. Providus Bank

USSD Code: *889#How to Use:

    

• Transfer money: Dial *889*2*AmountAccount Number#
• Buy airtime for yourself: Dial *889*Amount#
• Check account balance: Dial* 889*0#

20. Globus Bank

USSD Code: *989#How to Use:

    

• Transfer money: Dial *989*Amount*Account Number#
• Buy airtime for yourself: Dial *989*Amount#
• Check account balance: Dial *989*0#

21. Titan Trust Bank

USSD Code: *922#How to Use:

    

• Transfer money: Dial *922*Amount*Account Number#
• Buy airtime for yourself: Dial *922*Amount#
• Check account balance: Dial *922*00#

22. Parallex Bank

USSD Code: *322# (via Shared USSD Platform)
How to Use:

    

• Transfer money: Dial *322*Amount*Account Number#
• Buy airtime for yourself: Dial *322*Amount#
• Check account balance: Follow the prompts after dialing the code.

How to Set Up USSD Banking for the First Time

If it’s your first time using your bank’s USSD service, here are the steps you typically need to follow:

    

• Dial your bank’s USSD code: Start by dialing the unique code for your bank, such as *737# for GTBank or *894# for First Bank.
• Follow the prompts: You’ll usually be asked to register by entering your account number or creating a PIN.
• Set up your PIN: The PIN is your security key and will be required for all future transactions. Choose a PIN you can easily remember but keep it secure.
• Start banking: Once registered, you can begin performing transactions by dialing the appropriate USSD codes.

Things to Keep in Mind

    

• Daily Transfer Limits: USSD transactions usually come with daily limits. For example, many banks have a ₦100,000 limit on transfers to other accounts. If you need to increase this limit, you may need to visit a branch.
• Transaction Fees: USSD banking typically incurs minimal transaction fees. These are often less than the fees you would pay using other methods, such as ATM or app-based transfers.
• Security: Never share your USSD PIN with anyone. Avoid performing USSD transactions on phones or networks that don’t belong to you, and always verify that you’re dialing the correct number to prevent fraud.

USSD banking has revolutionized how Nigerians manage their finances, offering a convenient, fast, and secure way to carry out everyday transactions without an internet connection. Whether you're paying bills, sending money, or checking your balance, the process is just a few keystrokes away. Now that you know the USSD codes for all Nigerian banks, you can handle your banking needs with ease anytime, anywhere.

Also Read]

• How to Transfer Money to any bank using GTBank *737*
• How to Check Your GTBank Account Balance Using USSD Code
• Access Bank USSD Code 2024 How to Transfer money
• 6 Best Virtual Dollar Card Providers in Nigeria