Top Nigerian Bank USSD Codes

Top Nigerian Banks USSD Codes
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The bank USSD codes are for every bank in Nigeria and everyone who has an account with any of them. Bank transfer codes are a quick, fast, safe, and cost-effective method to access your bank account on a regular basis using your mobile phone without needing internet data using USSD.

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Banks in Nigeria have made it simple for their consumers to conduct different financial operations by using USSD codes on all Nigerian mobile networks.

This article contains a list of major Nigerian bank USSD codes for checking account balances, paying bills, making ATM cardless withdrawals, and other services.

Zenith Bank Nigeria USSD codes for Money transfers, Purchases, checking balance, and more
UBA Nigeria USSD Codes for Bank Transfer, Purchases, Account Balance, and more
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List of top Nigerian bank USSD Codes

Here is a list of USSD transfer codes you can quickly access for some of the major banks in Nigeria.

S/NAll banks in NigeriaUSSD transfer code
1Access Bank USSD transfer code*901#
2UBA Nigeria Transfer code*919#
3Stanbic IBTC Bank Transfer code*909#
4Sterling Bank transfer code*822#
5Fidelity Bank transfer code*770#
6First Bank transfer code*894#
7FCMB bank transfer code*329#
8Polaris Bank transfer code*833#
9GT Bank USSD transfer code*737#
10Eco bank*326#
11Zenith Bank USSD transfer code*966#
12Wema Bank transfer Code*945#
13Unity Bank Transfer code*779#
14Heritage Bank USSD transfer code*745#
A detailed list of USSD bank codes Nigeria – For some of the banks listed above.

Access Bank Nigeria USSD Code

The official Access bank USSD banking code for transferring funds is *901#; however, we have supplied other codes to make your transactions quicker and less time-consuming.

S/NAccess Bank USSD featuresAccess Bank USSD codes
1Airtime for self:*901*Amount#
2Airtime for others:*901*Amount*Phone Number#
3Account Opening:*901*0#
4Data Purchase:*901*8#
5Balance Enquiry:*901*5#
6Fund Transfer to Access Bank:*901*1*Amount*Account Number#
7Fund Transfer to Other Banks:*901*2*Amount*Account Number#
8Merchant Payment:*901*3*Amount*Merchant Code#
9Bill Payment:*901*3#
10OTP Generation:*901*4*1#

UBA Nigeria USSD Codes

Other than sending money from UBA to UBA or any other bank in Nigeria, the UBA USSD Code *919# serves a variety of uses. To transfer money from one UBA account to another, enter the code below. Simply enter the code *919*3*account number*amount#.

To utilize UBA bank mobile banking, you must first register using a registered phone number linked to your bank account.

  • From your phone, dial *919#. Follow the instructions on the screen to get your PIN and begin using UBA mobile USSD banking.

Some common banking services available through UBA USSD codes

S/NServicesUSSD Code
1Check UBA Account Balance*919*00#
2Buy Airtime for self*919*amount#
3Buy Airtime for others*919*phone number*amount#
4Transfer money to UBA Account*919*3*account number*amount#
5Load UBA Prepaid Card*919*32#
6Transfer money from UBA to Other banks*919*4*account number*amount#
7Pay Bills*919*5#
8UBA ATM Cardless Withdrawal*919*30*Amount#
9Airline Ticket Menu*919*12#

Heritage Bank Nigeria USSD Codes

To transfer money, follow the steps below. You must use a phone number associated with your Heritage bank account.

S/NTransaction typeUSSD code
1Balance Enquiry*745*0#
2Funds Transfer (Intra)*745*1*Amount*Account Number#
3Funds Transfer (InterBank)*745*2*Amount*Account Number#
4Self-Airtime Recharge*745*Amount#
5Third-Party Airtime Recharge*745*Amount*Mobile Number#
6Change PIN*745*00#
7Bet9ja Top-up*745*222*Bet9jaUserID*Amount#

GT Bank Nigeria USSD Code

To initiate any transaction using the GT Bank USSD code, dial *737# from the phone number you registered with your account, then follow the on-screen prompts.

S/NGT Bank USSD featuresGT Bank USSD codes
1Create your USSD account*737*0#
2Reactivate your account*737*11#
3Transfer GTB to GTB accounts*737*1*Amount*NUBANAccount Number#
4Transfer funds to other banks*737*2*Amount*NUBANAccount Number#
5Recharge airtime for yourself*737*amount#
6Recharge airtime for others*737*Amount*Recipient’s number#
7Check bank balance*737*6*1#
8Check BVN number*737*6*1#
9Other inquiries*737*6#

Zenith Bank Nigeria USSD Code

The Zenith bank USSD code is *966#, and it can be used to open a Zenith account, purchase airtime (both self and third party), transfer funds, check account balance, and update BVN, among other things.

*966# EazyBanking is a simple, fast, safe, and cost-effective method to access your Zenith bank account from your mobile phone without using internet data.

S/NZenith Bank USSD featuresZenith Bank EazyBanking USSD code
1Zenith bank code to buy airtime for self*966*amount#
2code to recharge airtime for others*966*Amount*Mobile Number#
3Zenith bank transfer money code*966*Amount*Account Number#
4Check Zenith bank account balance*966*00# 
5Code to update Zenith Bank BVN details*966*BVN#
6Manage Zenith cardless withdrawal*966*60# and select option 7
7Deactivate EazyBanking profile*966*20*0# 

Wema Bank Nigeria USSD Codes

The official transfer code for Wema bank is *945# and you can complete other necessary commands such as:

S/NTransaction typeUSSD code
1Buy Airtime*945*phone Number*amount#
2Send Money*945*beneficiaryaccountnumber*amount#
3Balance Enquiry*945*0#
4Change PIN*945*00#
5Get your Account Number*945*000#
6Open Account*945*1#
7change account umber*945*2*oldaccountnumber*newaccountnumber#
8Account Reactivation*945*5#
9Send Money to phone/email*945*6*amount#

Fidelity Bank Nigeria USSD Code

The Fidelity transfer code is *770#, and it can be used to perform the following transaction:

  • Self-recharge: Dial *770*AMOUNT#
  • Recharge For A Friend Or Family: Dial *770*PHONE*AMOUNT#
  • To transfer funds: Dial *770*ACCOUNT*AMOUNT#

Polaris Bank Nigeria Transfer Code

Polaris Bank’s transfer code is *833#.

To transfer money, dial *833# from your Polaris Bank registered phone number. Dial *833# from your Polaris Bank registered line and follow the steps to input your account number to create a Polaris Bank account PIN. Enter any four-digit number to serve as the PIN.

First City Monument Bank (FCMB) Nigeria USSD Codes

The FCMB USSD mobile banking code is *329#. They only have a few branches in Nigeria, and to use the USSD code, you must visit any FCMB branch or phone their customer service number (+234-1-279-8800) to get your PIN.

  • Dial *329*amount# to top-up your mobile phone number
  • Dial *329*amount*mobile number# to top-up other mobile number
  • Dial *329*amount*account number# to transfer funds.

Sterling Bank Nigeria Transfer Code

Sterling Bank’s USSD mobile banking code is *822#. To transfer money, dial *822# and follow the instructions on the screen.

Customers can transfer money from Sterling Bank to other banks by dialing *822*5*Amount*Account No#. To transfer money from Sterling account to another Sterling bank, dial *822*4*Amount*Account No#.

Keystone Bank Nigeria Transfer Code

The USSD transfer code for Keystone Bank is *7111#. To transfer funds between Keystone Bank accounts, dial *7111*Amount*Account No# and follow the on-screen instructions.

Jaiz Bank Nigeria Transfer Code

You can only top up your mobile number right now. *389*301*Amount# is the code for topping up your Jaiz bank account, for example. To top up your phone with N2,000, dial *389*301*2000# on your registered phone number.


There are quite a number of banks in Nigeria. We hope that this list of Nigerian Bank USSD Codes for the various banks is helpful, and feel free to share with us whether you’ve had any issues with them.