The introduction of USSD (Unstructured Supplementary Service Data) has changed the Nigerian banking system completely. Today, mobile banking services have been deployed by almost every bank in Nigeria.
USSD is a service where bank transactions can be carried out by dialling simple shortcodes on mobile phones. USSD transaction does not require the use of internet or mobile apps, which ensure that customers who do not have access to the internet can use the USSD service to make banking transactions.
Different Banks in Nigeria now have their distinct USSD codes which make it possible for their customers to perform transaction like transfer of funds, airtime purchase, subscription payment etc.
For you to be able to use the USSD code for your bank, you will need to have access to the mobile number used to open the account with the bank or the mobile number that has been linked to the account. if this has not been done then the transaction will not be possible using the USSD code.
A mobile transaction using USSD codes require account registration for first-time users and a PIN code (either 4 or 5 digits) which can be done by simply dialling the bank USSD code and following the screen prompts. The PIN code serves as your security against fraudsters and will be required for all your subsequent transactions.
In this article we have compiled the USSD codes for various banks (2019 updates);
Access Bank
Access Bank’s USSD code for mobile money transfer is *901#, Simply dial and follow the instructions thereafter.
CitiBank
Currently do not have a USSD code
Diamond Bank
Diamond Bank USSD code has been on the mobile money scene for a while and their USSD code is *710#. To transfer money to any bank, simply dial *710# Recipient’s Account Number Amount*PIN# for Y’ello Account Holders. For Diamond Bank to Diamond Bank account money transfers, dial *710#Account Number Amount*PIN#
Ecobank
Ecobank’s Mobile USSD code is *326#. To transfer money from your Ecobank account, dial *326# and follow the on-screen instructions. Personally I think their USSD process sucks. No hard feelings dear Ecobank please you guys need to upgrade your mobile USSD process.
First Bank
First bank is one of the best Nigerian banks for electronic banking services. First Bank’s USSD code is *894#. To transfer money, dial *894#, a list of options will appear including Transfer money, Withdraw money and Make purchases, pay bills, buy airtime and manage account. To make transfer, type 1 and send. Simply follow the instructions after and make your transfer.
Fidelity Bank
Fidelity Bank USSD code is *770# then you get choose option one for further instructions. Fidelity Bank USSD money transfer code to other banks is *770#Recipient’s Account Number Amount#
First City Monument Bank (FCMB)
FCMB’s mobile USSD code is *329#. To use the FCMB USSD service, you have to visit any FCMB branch or call their customer care to get your PIN.
To transfer money or do any other transaction after getting your PIN, simply dial *329*4# and follow the on screen instructions.
Guaranty Trust Bank (GTB)
Guaranty Trust Bank is the leading bank in Nigeria in terms of electronic banking. They were one of the first to introduce USSD banking, GTBank’s USSD code is *737# and follow instructions e.g
To transfer money from your GTBank account to another GTBank account, just dial
*737*1#Amount Recipient’s Account Number# you would be requested to provide your personal pin which is like an access to your personal bank account
Heritage Bank
The USSD code for transfer for Heritage Bank is *322# then follow instructions as seen.
Keystone Bank
Keystone Bank mobile USSD code for transfer is *533# Follow the on-screen command, Get your PIN and start using Keystone bank mobile USSD banking.
Skye Bank
Skye Bank’s USSD mobile code is *833# and to transfer, all you need to do is dial *833# from your mobile phone and follow the instructions. You can choose whether you want to open an account or hotlist your ATM card or update your BVN number.
Sterling Bank
Sterling Bank’s USSD mobile banking code is *822#. To perform a transfer, simply dial *822# and follow the instructions however every time you use the Sterling Bank USSD service, Five Naira will be deducted from your line.
Stanbic IBTC
Stanbic IBTC USSD code for money transfer is *909#
Standard Chartered Bank
Standard Chartered Bank is yet to roll out their USSD code and Mobile phone airtime recharge code.
United Bank for Africa (UBA)
UBA’s mobile USSD code is *919#, dial it and follow the on-screen instructions that follow. So easy to understand.
Unity Bank
Unity Bank has rolled out the first four-digit code USSD banking code to make banking services much easier for its customers. It Mobile USSD is *7799# To buy airtime using Unity Bank *7799#and follow the on screen instruction.
Union Bank
Union Bank mobile USSD transfer code is *826#, dial and follow the screen prompts to complete your transaction.
Wema Bank
Wema Bank is relatively new to the mobile USSD banking but they offer a good USSD service. One thing i find interesting about Wema Bank USSD code is that once you dial *945# to transfer money with Wema Bank, a list of options will appear including Open Account, My Balance, Send Money, Buy Airtime and Cash-on-the-go, Pay Bills, Change PIN, etc Reply with “3” which is for transfer, you will then be asked to choose whether it is to a Wema Bank Account or other banks. Reply with the corresponding number and simply keep on following the on-screen instructions.
Zenith Bank
Zenith Bank’s Mobile Banking USSD code is *966# and it gives you access to open an account, check account balance, load recharge cards and transfer money.
To transfer money from your Zenith Bank account to another, dial *966#Amount*Recipient’s Account Number# and follow the instructions on the screen.
Here you have it. My thoughts? This is technology made banking easier. Gone are the days where you have to spend hours and energy going to the bank and you get to face the endless queue. But here, technology have saved you the stress with just a dial right on Mobile phone.
USSD is a service where bank transactions can be carried out by dialling simple shortcodes on mobile phones. USSD transaction does not require the use of internet or mobile apps, which ensure that customers who do not have access to the internet can use the USSD service to make banking transactions.
Different Banks in Nigeria now have their distinct USSD codes which make it possible for their customers to perform transaction like transfer of funds, airtime purchase, subscription payment etc.
For you to be able to use the USSD code for your bank, you will need to have access to the mobile number used to open the account with the bank or the mobile number that has been linked to the account. if this has not been done then the transaction will not be possible using the USSD code.
A mobile transaction using USSD codes require account registration for first-time users and a PIN code (either 4 or 5 digits) which can be done by simply dialling the bank USSD code and following the screen prompts. The PIN code serves as your security against fraudsters and will be required for all your subsequent transactions.
In this article we have compiled the USSD codes for various banks (2019 updates);
Access Bank
Access Bank’s USSD code for mobile money transfer is *901#, Simply dial and follow the instructions thereafter.
CitiBank
Currently do not have a USSD code
Diamond Bank
Diamond Bank USSD code has been on the mobile money scene for a while and their USSD code is *710#. To transfer money to any bank, simply dial *710# Recipient’s Account Number Amount*PIN# for Y’ello Account Holders. For Diamond Bank to Diamond Bank account money transfers, dial *710#Account Number Amount*PIN#
Ecobank
Ecobank’s Mobile USSD code is *326#. To transfer money from your Ecobank account, dial *326# and follow the on-screen instructions. Personally I think their USSD process sucks. No hard feelings dear Ecobank please you guys need to upgrade your mobile USSD process.
First Bank
First bank is one of the best Nigerian banks for electronic banking services. First Bank’s USSD code is *894#. To transfer money, dial *894#, a list of options will appear including Transfer money, Withdraw money and Make purchases, pay bills, buy airtime and manage account. To make transfer, type 1 and send. Simply follow the instructions after and make your transfer.
Fidelity Bank
Fidelity Bank USSD code is *770# then you get choose option one for further instructions. Fidelity Bank USSD money transfer code to other banks is *770#Recipient’s Account Number Amount#
First City Monument Bank (FCMB)
FCMB’s mobile USSD code is *329#. To use the FCMB USSD service, you have to visit any FCMB branch or call their customer care to get your PIN.
To transfer money or do any other transaction after getting your PIN, simply dial *329*4# and follow the on screen instructions.
Guaranty Trust Bank (GTB)
Guaranty Trust Bank is the leading bank in Nigeria in terms of electronic banking. They were one of the first to introduce USSD banking, GTBank’s USSD code is *737# and follow instructions e.g
To transfer money from your GTBank account to another GTBank account, just dial
*737*1#Amount Recipient’s Account Number# you would be requested to provide your personal pin which is like an access to your personal bank account
Heritage Bank
The USSD code for transfer for Heritage Bank is *322# then follow instructions as seen.
Keystone Bank
Keystone Bank mobile USSD code for transfer is *533# Follow the on-screen command, Get your PIN and start using Keystone bank mobile USSD banking.
Skye Bank
Skye Bank’s USSD mobile code is *833# and to transfer, all you need to do is dial *833# from your mobile phone and follow the instructions. You can choose whether you want to open an account or hotlist your ATM card or update your BVN number.
Sterling Bank
Sterling Bank’s USSD mobile banking code is *822#. To perform a transfer, simply dial *822# and follow the instructions however every time you use the Sterling Bank USSD service, Five Naira will be deducted from your line.
Stanbic IBTC
Stanbic IBTC USSD code for money transfer is *909#
Standard Chartered Bank
Standard Chartered Bank is yet to roll out their USSD code and Mobile phone airtime recharge code.
United Bank for Africa (UBA)
UBA’s mobile USSD code is *919#, dial it and follow the on-screen instructions that follow. So easy to understand.
Unity Bank
Unity Bank has rolled out the first four-digit code USSD banking code to make banking services much easier for its customers. It Mobile USSD is *7799# To buy airtime using Unity Bank *7799#and follow the on screen instruction.
Union Bank
Union Bank mobile USSD transfer code is *826#, dial and follow the screen prompts to complete your transaction.
Wema Bank
Wema Bank is relatively new to the mobile USSD banking but they offer a good USSD service. One thing i find interesting about Wema Bank USSD code is that once you dial *945# to transfer money with Wema Bank, a list of options will appear including Open Account, My Balance, Send Money, Buy Airtime and Cash-on-the-go, Pay Bills, Change PIN, etc Reply with “3” which is for transfer, you will then be asked to choose whether it is to a Wema Bank Account or other banks. Reply with the corresponding number and simply keep on following the on-screen instructions.
Zenith Bank
Zenith Bank’s Mobile Banking USSD code is *966# and it gives you access to open an account, check account balance, load recharge cards and transfer money.
To transfer money from your Zenith Bank account to another, dial *966#Amount*Recipient’s Account Number# and follow the instructions on the screen.
Here you have it. My thoughts? This is technology made banking easier. Gone are the days where you have to spend hours and energy going to the bank and you get to face the endless queue. But here, technology have saved you the stress with just a dial right on Mobile phone.
I could only get 19 banks in Nigeria drop a comment if you have anyone to add.
Thank you.
Thank you.
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