The introduction of transfer codes by the Nigerian banks made everything easier and not just transferring money, you can do a lot more with the new banking USSD (Unstructured Supplementary Service Data) code. The most interesting part is that you don't need a smartphone or internet connection to transfer money to anyone.


What you need to carry out any transaction is the transfer code of your bank and that is the reason why I am creating this post for you. If you can't remember your bank transfer code then don't worry this post is for you. I wrote an article on how to transfer money using Gtbank, Ecobank and FirstBank shortcode below but today I will be sharing all Nigerian Banks Transfer Codes and not just a few of them.

1. GTBANK Transfer codes and how to transfer money easily
2. Ecobank Transfer Code: Buy Airtime and send money to Any Bank Using USSD
3. First Bank Transfer Code *894# (direct shortcode No internet required)

In this post, I will not be sharing only the bank transfer codes but will as well show you how to use them conveniently whenever you wish to transfer money to someone. Before we proceed I will like to discuss about BVN (Bank Verification Number) which links you to every bank you are using. Firstly, I am going to show you the code you can use to check your BVN before we proceed to banks transfer codes.

Code to Check BVN

Your BVN is one of the code you should always remember because it's your identity and you will be needing it in everything you do. All the mobile loan app in Nigeria requires your BVN number during registration that is why you need to remember your BVN at all times. When you forget your BVN simply dial this code on your phone *565*0# it doesn't matter the bank you are using because it works for all banks. However, it will cost you N20 to check your BVN from any bank each time you check your BVN.

GTBank Transfer Code

The GTBANK Transfer Code is *737# this number is the magic USSD code you need when you want to transfer money, check your account balance, buy airtime and lot more. If you are not sure how to use the transfer code then follow the instructions below.

GTBank USSD Codes

• Account Opening — *737*0#
• Third-Party top-up — *737*amount*recipient’s mobile no#
• Airtime (Self) — *737*Amount#
• GTB transfer Code (GTBank) – *737*1*Amount*Nuban#
• GTB transfer Code (Other Banks) — *737*2*Amount*Nuban
• Cardless Withdrawal —  *737*3*Amount#
• Fast Track Deposit — *737*48*Amount*Nuban#
• Data Purchase — *737*4#
• Account Balance/Account No/ BVN — 737*6*1#
• Salary Advance — *737*8*2#

UBA Transfer Code

The all-mighty UBA Transfer Code is *919#. Once you dial the code you will see different options that allow you to do anything you wish like transferring money, checking your account balance, buying airtime and data and lots more. You can transfer money to any bank in Nigeria with this transfer code conveniently and not just UBA.

UBA USSD Codes

• Airtime to Self — *919*amount#
• Check Balance — *919*00#
• Airtime to Others — *919*Phone Number* Amount#
• UBA Transfer Code to UBA — *919*3*account number*amount#
• Transfer to Prepaid Card — *919*32#
• UBA Transfer Code Other Banks — *919*4*account number*amount#
• Pay Bills — *919*5#
• ATM Cardless Withdrawal — *919*30*Amount#
• Airline Ticket Menu — *919*12#
• Africa World Airline — *919*12*394#
• Egypt Air — *919*12*077#
• Ethiopian Airline — *919*12*071#
• Lufthansa — *919*12*220#

Diamond/Access Bank Transfer Code

The transfer code (USSD) for Access bank formally known as Diamond bank IS *901#. As you already know, Access Bank acquired Diamond, so there was some kind of merger. You can switch to both Access and other bank accounts, load airtime and easily execute almost all of your bank-related transactions.

Diamond/Access Bank Transfer USSD Codes

• Change Pin — *901*0#
• Check Balance — *901*00#
• Airtime to Self — *901*Amount#
• Airtime to Others — *901*Amount*Phone Number#
• Transfers — *901*Amount*Account Number#
• Opt-Out (NB: This service is also available to non-Access Bank customers) — *901*911#
• LCC Toll Account Top-up — *901*000*522+eTag Number+Amount#

Union Bank Transfer Code

The Union Bank Transfer Code is *826#. Whenever, you need to do anything in your Union bank account such as fund transfer, buying airtime and data, checking your account balance etc. To see the magic, follow the instructions below and see how it works.

Union Bank USSD Codes

• Union Bank Transfer Code for Union Bank — *826*1*amount*account no#
• For other banks — *826*2*amount*account no#
• Third-party airtime — *826*amount*recipient’s mobile no#
• Self airtime top-up — *826*amount#

Polaris Bank Transfer Code

If you are using Polaris Bank but have forgotten the transfer code, relax and use this wonder Polaris Bank Transfer Code which is *833#. This code is all you need to handle all your transactions, like fund transfer, paying utility bills, checking your account balance and lots more.

Polaris Bank USSD Codes

• Open Account — *833*1#
• Pay Bills — *833*2#
• Polaris Bank Transfer Code — *833*Amount*Account Number#
• Check Balance — *833*6#
• Airtime — *833*AMOUNT#

Wema Bank Transfer Code

The Wema Bank Transfer Code (USSD) is *945#. Wema Bank designed their USSD code to allow their customers to do virtually everything using their mobile phone. With this shortcode, you can open new Wema Bank account, check your balance, buy airtime transfer money to all Nigerian banks and pay your bills. If you don't know how to do any of this then follow the guideline below to perform any transaction of your choice.

Wema Bank USSD Codes

• Wema Bank Transfer Code — *945*beneficiary account number*amount#
• Buy Airtime — *945*phone Number*amount#
• Balance Enquiry — *945*0#
• Change PIN — *945*00#
• Get your Account Number — *945*000#
• Open Account — *945*1#
• Change account number — *945*2*old account number*newaccountnumber#
• Account Reactivation — *945*5#
• Send Money to phone/email — *945*6*amount#
• Receive/ redeem money — *945*7*confirmation number*amount#
• Cash-on-the-Go — *945*8*amount#
• Remita Payment — *945*9*RRR#
• Card Control            — *945*11*last four digits of card pan number#
• Pay-with-Mobile — *945*12*amount#
• Receive Western Union — *945*14*MTCN*amount#
• Generate OTP — *945*15#
• DSTV Subscription — *945*16*smartcardnumber#
• GoTV Subscription — *945*17*smartcardnumber#
• Startimes Payments — *945*18*smartcard number*amount#
• EKO AND IKEJA DISCO — *945*19*metre number*amount#
• Smile Subscription Payments — *945*20*idnumber#
• Swift4GBroadband subscription — *945*21*id number*amount#
• Merchant Payment — *945*22*MERCHANTCODE*amount#
• LCC PAYMENT — *945*23*LCC account number*AMOUNT#

First Bank Transfer Code

The First Bank Transfer Code is *894#. First Bank has its own transfer code that can be used for banking on the go, you don't need a smartphone or internet connection to transfer money or handle certain transactions on your First Bank account. All you need is the magic transfer USSD code *894# that allows you to send money buy airtime, check your balance, update your BVN and lot more.

First Bank USSD Codes

• First Bank Transfer Code (To any bank in Nigeria) — *894*Amount*Account Number#
• Airtime Recharge – for self — *894*Amount#
• Airtime Recharge –for others — *894*Amount*Phone Number#
• Balance Enquiry — *894*00#

Zenith Bank Code

Zenith Bank Code for transfers is *966#. If you are one of the Zenith bank customers and wish to transfer money to someone, check your balance, buy airtime, pay your bills or update your BVN easily with the USSD code.

Zenith Bank USSD Codes

• Check Balance — *966*00#
• Zenith Bank Code to Buy Airtime — *966*Amount*Mobile Number#
• Zenith Bank Code to Transfer Money — *966*Amount*Account Number#
• Pay Bills — *966*6*Biller code*Amount#
• Transaction over 100K — 966*60#
• Update BVN — *966*BVN#

Fidelity Bank Transfer Code

The Fidelity Bank Transfer Code (USSD) is *770#. Fidelity Bank just like every other commercial bank in Nigeria made everything easier for their customers by providing a transfer code that can be used to handle 80% of mobile banking on the go, use the code to recharge your phone, transfer money, pay bills, check your balance and process cardless withdrawal.

Fidelity Bank USSD Codes

• Recharge self — *770*AMOUNT#
• Recharge Others — *770*PHONE*AMOUNT#
• Fidelity Bank Transfer Code — *770*ACCOUNT*AMOUNT#
• Cardless withdrawal — *770*8*AMOUNT#
• Pay Bills — *770*CODE*SMART CARD NUMBER*AMOUNT#
• Pin Change — *770*00#
• Balance Check — *770*0#
• BVN — *770*02#
• Block Card — *770*911#
• Alert Types — *770*2#

Ecobank Transfer Code

The Ecobank Transfer Code is *326#. You can use Ecobank transfer code to do a lot more, You can transfer money from one bank to another, check your account balance, recharge your phone and pay your bills conveniently. Below are the things you can do with Ecobank Transfer Code is *326#.

Ecobank USSD Codes

• Airtime Recharge — *326*1*Amount#
• Make instant transfers
• Check balances
• Pay bills
• Read mini-statements

Keystone Bank Transfer code

The Keystone Bank Transfer USSD code is *7111#. Keystone Bank in its own created a mobile banking shortcode that makes transactions easier for its customers. You can transfer money from one bank to another, check your account balance, buy airtime and pay your bills.

Keystone Bank Transfer code

• To Recharge Yourself: dial *7111*amount#
• To Recharge For Others: dial *7111*Amount*Phone Number#
• Check account balance: Dial *7111*1#
• Transfer money:  *7111*Amount*Account Number#

Internet Banking VS USSD code Banking

Let me clarify few things here, internet banking is different from the Transfer USSD code we are discussing on this page the only thing they have in common is that both of them can be done with a mobile phone. However, just as the name implies, internet banking requires a smartphone with an internet connection.

Internet banking can be done visiting the banking web pages with your smartphone or by downloading the bank mobile app but on the other hand, Banking transfer USSD code doesn't require internet connection or smartphone to carry out a transaction. Any mobile phone with MTN, GLO, AIRTEL or 9MOBILE Sim card is enough.

Finally, If you are still having any problem on how to use any bank transfer code or haven't seen your bank transfer code, then feel free to ask questions.