List of Bank Codes and their Uses in 2023 – Are you a customer of any of the existing banks in Nigeria, and you would love to know all the codes available for online banking in your specific bank? if yes then this article is for you. This write-up brings you detailed information on banking codes for all banks in Nigeria. We will highlight their major USSD dialing codes and other codes used for transactions in various banks.
Today with the help of technology, there are many options via which we can perform various banking transactions. The improvisation of USSD codes has helped ease out stressful banking transactions where bank customers can now conveniently access and use their mobile phones and dial a series of codes to perform some financial transactions anywhere and anytime with or without the availability of the internet.
This article also answers the question “What is USSD banking and how does it work, including its benefits, and the list of Nigerian banks’ USSD transfer codes for your convenience. Read On !!
What is USSD Code
USSD (Unstructured Supplementary Service Data) codes are shortcodes used by banks in Nigeria to provide quick and easy access to banking services using a mobile phone. With USSD codes, bank customers can perform various banking transactions, such as checking account balances, transferring funds, paying bills, and buying airtime. This article details banks in Nigeria’s unique USSD codes and their functions. Some Features/Benefits of Bank USSD codes include:
- It works on all phones type
- It is fast and convenient
- It is used to pay utility bills such as cable subscriptions, electricity bills, funding of betting accounts
- It allows you to send money to any bank without Internet access
- USSD codes can be used to block or unblock your ATM cards
- It can be used to update BVN
- USSD codes can be used to open a bank account
- USSD codes can be used to check account balance
- USSD codes can also be used to pay flight bills
List of All Bank Codes and their Uses in 2023
Here’s the list of the top 20 banks and their unique dialing codes you patronize any of the under-listed commercial banks, check their(USSD) code below.
- Zenith Bank- *966#
- UBA- *919#
- GTBank – *737#
- First Bank- *894#
- Access Bank- *901#
- Ecobank – *326#
- FCMB – *329#
- Fidelity Bank- *770#
- Heritage Bank-*745#
- Keystone Bank- *7111#
- Polaris Bank- *833#
- Stanbic IBTC Bank- *909#
- Sterling Bank- *822#
- Union Bank- *826#
- Unity Bank- *7799#
- Wema Bank – *945#
- Main Street Bank *614*394#
- Standard Chartered Bank *977#
- Citibank Nigeria Limited *898
Banks in Nigeria and their USSD codes
Customers use these codes to carry out financial operations with few clicks on their phones without the use of the internet. Each bank has a USSD code to create/open an account, check account balance, self-recharge or recharge others, transfer funds, apply for loans, check account numbers, change PIN, deactivate an account, and other functions. Here’s the list of different Nigerian Banks and their unique transaction codes.
1. First Bank:
First Bank of Nigeria Limited is a leading financial institution in Nigeria that provides a wide range of banking and financial services to individuals, businesses, and other organizations. One of the ways the bank has made banking more accessible and convenient for its customers is by introducing the use of USSD codes. To get started with the First Bank USSD code, customers need to dial *894# on their mobile phones and follow the prompts to register their phone number and create a USSD PIN. Once registered, they can use the USSD code to perform various transactions such as checking account balances, transferring funds, buying airtime, paying bills, and more. Other transactions codes and their functions are
- For opening an account *894*0#
- Airtime Recharge for Others *894*Amount*Phone Number#
- Airtime Recharge for Self *894*Amount#
- To Check Balance *894*00#
- To Deactivate Your Mobile Number *894*911#
- For Mini-Statement *894*Account Number#
- Transfer to First Bank/Other bank Accounts *894*Amount*Acct Number#
- For Loan *894*11#
- For Startimes, GoTv and DSTV subscription *894*Amount*IUC number#
2. Access Bank:
The Access Bank USSD code, also known as *901#, is a simple and fast way to access banking services on your mobile phone without the need for internet connectivity. The USSD code is available to all Access Bank account holders and can be used to perform various transactions such as checking account balances, transferring funds, buying airtime, paying bills, and more. Other transaction codes are
- To Check Balance *901*00#
- Airtime Top-Up for Self *901*Amount#
- Airtime Top-Up for Others *901*Amount*Phone Number#
- For Transfer to Access Account *901*1*AMOUNT*Account Number#
- For Transfer to Other banks *901*2*AMOUNT*Account Number#
- To Pay bills *901*3#
- To Deactivate an Account *901*911#
- For Payday loan *901*11
3. United Bank for Africa (UBA):
To get started with the UBA USSD code, customers need to dial *919# on their mobile phones and follow the prompts to register their phone number and create a USSD PIN. Once registered, they can use the USSD code to perform various transactions at any time and from anywhere Other transactions codes and their functions are
- To check balance *919*00#
- To open an Account *919*20#
- Transfer to Other banks *919*4*account number*amount#
- Transfer to UBA Account *919*3*account number*amount#
- Airtime recharge for Others *919*Phone number*Amount#
- Airtime recharge for Self *919*Amount#
- For Data self-recharge *919*14#
- Data recharge for Others *919*14*mobile number#
- To Pay Utility bills *919*5#
- To pay for Airline ticket *919*12#
- For Loan *919*28#
4. Guarantee Trust Bank (GTB):
The GTB USSD code, also known as *737#, is a simple and fast way to access banking services on your mobile phone without the need for internet connectivity. The USSD code is available to all GTB account holders and can be used to perform various transactions such as checking account balances, transferring funds, buying airtime, paying bills, and more. Additionally, GTB has introduced a feature called “737 Fast Track,” which allows customers to perform transactions on the USSD code even faster by skipping the prompts and using predefined codes for transactions they frequently perform. Other codes GTBank use for transactions are
- To open an Account *737*0#
- Transfer to GTBank Account *737*1*Amount*Account Number#
- Transfer to Other banks *737*2*Amount*Account Number#
- Airtime Top-Up for Others *737*Amount*Phone number#
- Airtime Top-Up for Self *737*amount#
- Data Top-Up *737*4#
- Check Balance *737*6*1#
- Create PIN *737*5#
- For loan request *737*51*51#
5. Zenith Bank:
The Zenith Bank USSD code *966# is available 24/7 and can be used on any mobile phone that has a registered SIM card. It is a convenient and secure way to access banking services on the go, without the need for internet connectivity or a smartphone. Additionally, Zenith Bank has introduced a feature called “EazyBanking,” which allows customers to perform transactions on the USSD code using voice commands, making banking even easier and more accessible. Other transactions codes are
- To open an account *966*0#
- To check balance *966*00#
- Transfer to Zenith Account/Other Banks *966*Amount*account number#
- Airtime recharge for Self/Others *966*Amount*Mobile Number#
- Block ATM Card *966*60#
- Deactivate Account *966*911#
- Pay bills (DSTv/PHCN) *966*7*Amount*Customer ID#
- Pay Zenith Billers *966*6*Biller code*Amount#
- Reset USSD Password/PIN *966*60#
- For loans *966*11#
6. Fidelity Bank:
Firstly, customers need to dial *770# on their mobile phones and follow the prompts to register their phone number and create a USSD PIN. Once registered, they can use the USSD code to perform various transactions at any time and from anywhere. Fidelity Bank has introduced a feature called “Instant Banking,” which allows customers to perform transactions on the USSD code using predefined codes for transactions they frequently perform, making banking even faster and more convenient.
- To Check Balance *770*0#
- To Change PIN *770*00#
- Transfer to Fidelity Account/ Other banks *770*ACCOUNT*AMOUNT#
- Airtime recharge for Others *770*Phone Number*Amount#
- Airtime for Self- recharge *770*Amount#
- For DSTV subscription *770*code*smartcard Number*Amount#
- Update BVN *770*02#
- For loans *770*08#
- Block Card *770*911#
7. Union Bank:
The Union Bank USSD code 826# is available 24/7 and can be used on any mobile phone that has a registered SIM card. It is a convenient and secure way to access banking services on the go, without the need for internet connectivity or a smartphone. Additionally, Union Bank has introduced a feature called “UnionMobile,” which allows customers to perform transactions on the USSD code even faster by skipping the prompts and using predefined codes for transactions they frequently perform. Other codes used to Check balance, make airtime purchases, apply for loans and pay bills are;
- For Balance check *826*4#
- Create PIN *826*5#
- Airtime Top-Up for Others *826*Amount* Mobile number#
- Airtime Top-Up for Self *826*Amount#
- Transfer to Other banks *826*2*amount*account no#
- Transfer to Union Account *826*1*amount*account no#
- For Loans *826*41#
- For GoTv subscription *826*7*Amount#
7. First City Monument Bank (FCMB):
First City Monument Bank USSD Code is a quick and secure way for customers to access various banking services using their mobile Phones. To use the FCMB USSD code, customers need to dial *329# on their registered number. The USSD code is available to all FCMB account holders and can be used to perform various transactions such as checking account balances, transferring funds, buying airtime, paying bills, and more.
- To check balance *329*00#
- To reset PIN *329*0#
- To transfer to FCMB Account/Other banks *329*Amount*Acct number#
- Airtime Top-Up for Others *329*Amount*Mobile number#
- For Self-recharge *329*Amount#
- To buy Data *329*1*Mobile Number#
- To pay bills (DSTv/GOTv) *329*2*Amount*Smartcard Number#
- To pay Electricity Bill *329*3*Amount*Meter No#
- For Loan *329*11#
8. Heritage Bank:
The Heritage Bank USSD code is available anytime and can be used on any mobile phone that has a registered SIM card. It is a convenient way to access banking services on the go, without the need for internet connectivity or a smartphone. Additionally, Heritage Bank has introduced a feature called “Instant Banking,” which allows customers to perform transactions on the USSD code using predefined codes for transactions they frequently perform, making banking even faster and more convenient.
- For Balance Enquiry *745*0#
- Change USSD PIN *745*00#
- For transfer to a Heritage Bank account *745*1*Amount*Acct Number#
- For the transfer to other Banks *745*2*Amount*Acct Number#
- Airtime (Self) *745*Amount#
- Airtime (Third Party) *745*Amount* Mobile Number#
- Bet9ja Top-up *745*222*Bet9ja UserID*Amount#
- Block Your Account from any phone *745*11#
9. Polaris Bank:
To get started with the Polaris Bank USSD code, customers need to dial *833# on their mobile phones and follow the prompts to register their phone number and create a USSD PIN. Once registered, they can use the USSD code to perform various transactions at any time and from anywhere. Polaris Bank has introduced a feature called “Quick Codes,” which allows customers to perform transactions on the USSD code using predefined codes for transactions they frequently perform, making banking even faster and more convenient.
- To check acct balance *833*6#
- To Open a New Account *833*1#
- Transfer to Polaris Account/Others *833*Amount*Acct number#
- Airtime Top-Up for Others *833*Amount*Phone number#
- Airtime Top-Up for Self *833*Amount#
- Pay bills *833*2#
- Update BVN *833*5#
10. Wema Bank or ALAT:
The Wema Bank USSD code *945#, is a simple and fast way to access banking services on your mobile phone without the need for internet connectivity. The USSD code *945# is available to all Wema Bank account holders and can be used to perform various transactions such as checking account balances, transferring funds, buying airtime, paying bills, and more, making banking even faster and more convenient. Wema Bank has introduced a feature called “Quick Codes,” for transactions such as;
- To check balance *945*0#
- Airtime Recharge for Others *945*Phone Number*Amount#
- Self-recharge *945*Amount#
- Transfer to Wema Account/ Other banks *945*Acct Number*Amount#
- To apply for loan *945*65#
- For DSTV subscription *945*11*smartcard number#
- For GOTV subscription *945*12*smartcard number#
- For Startimes subscription *945*13*smartcard number#
11. Unity Bank:
The Unity Bank USSD code is available 24/7 and can be used on any mobile phone that has a registered SIM card. It is a convenient and secure way to access banking services on the go, without the need for internet connectivity or a smartphone. Unity Bank has introduced a feature called “Easy Banking,” which allows customers to perform transactions on the USSD code using predefined codes for transactions they frequently perform, making banking even faster and more convenient. Easy Banking codes such as;
- For balance inquiry *7799*0#
- To block an account *7799*9*phone number#
- BVN verification *7799*5#
- For the transfer to other banks *7799*2*account no*amount#
- Transfer to Unity bank *7799*1*acct number*amount#
- Airtime Self recharge *7799*Amount#
- Third-party Airtime Recharge *7799*Mobile number*amount#
- Bet9ja Wallet funding *7799*403*Bet9ja ID*amount#
- To pay Electricity (prepaid) bill *7799*4*Meter number*Amount#
- For DSTV premium subscription *7799*32*smart card number*5#
12. EcoBank:
Ecobank has introduced a feature called “Express Banking,” which allows customers to perform transactions on the USSD code using predefined codes for transactions they frequently perform, making banking even faster and more convenient. The Ecobank USSD code, also known as *326#, is a simple and fast way to access banking services on your mobile phone without the need for internet connectivity. The USSD code is available to all Ecobank account holders and can be used to perform various transactions such as checking account balances, transferring funds, buying airtime, paying bills, and more. Here is a list of Express Banking codes and its functions;
- Check balance *326*0#
- Airtime Top-Up for Others *326*Amount*Phone Number#
- Airtime Top-Up for Self *326*Amount#
- Pay bills *326#> pay bills
- Transfer to Account *326*amount*account number#
- For loans *326*7#
13. Stanbic IBTC Bank:
To get started with the Stanbic IBTC Bank USSD code, customers need to dial *909# on their mobile phones and follow the prompts to register their phone number and create a USSD PIN. Once registered, they can use the USSD code to perform various transactions at any time and from anywhere. The Stanbic IBTC Bank USSD code is available 24/7 and can be used on any mobile phone that has a registered SIM card. It is a convenient and secure way to access banking services on the go, without the need for internet connectivity or a smartphone. Additionally, Stanbic IBTC Bank has introduced a feature called “Quick Codes,” which allows customers to perform transactions on the USSD code using predefined codes for transactions they frequently perform, making banking even faster and more convenient. Other quick codes for Stanbic IBTC transactions are;
- To check Account balance *909*1*1#
- Transfer to Other banks *909*22*Amount*Account Number#
- Transfer to Stanbic Account *909*11*Amount*Account Number#
- Airtime Top-Up for Others *909*Amount*phone number#
- Airtime Top-Up for Self *909*Amount#
- For EZcash Loan *909*44#
- To Pay Electricity bill *909*11*1#
14. Keystone Bank:
To get started with the Keystone Bank USSD code, customers need to dial *7111# on their mobile phones and follow the steps to register their phone number and create a USSD PIN. Once registered, they can use the USSD code to perform various transactions at any time and from anywhere. Transactions such as opening a new Keystone account, airtime top-up, paying bills and others are accessed using the following USSD codes
- USSD Registration *7111*0#
- Check account balance *7111*00#
- Transfer Funds to Account *7111*Amount*Account Number#
- Mobile Data Recharge *7111*5#
- To Pay bills *7111*2#
- Recharge for others *7111*Amount*Phone Number#
- Recharge your phone *7111*Amount#
- For Loans *533#
Conclusion
USSD banking has become a better option for mobile payments, especially for people in rural areas or just anyone who is out of an internet connection but needs to make payments online. People can now shop, pay bills, get help, and even send money online using special number codes, without the need for internet connections.
USSD banking is a simple and cost-effective way to handle your finances without going through bank stress or other intermediaries. You can use USSD codes to perform simple banking tasks from your mobile phone. You can make transfers, view account balances, and even do something as complex as applying for a loan. Many banks, financial institutions, Government establishments, and even healthcare offices have rapidly adopted USSD banking in the last few years, and the growth is expected to continue in the years to come. Although there are some setbacks to what USSD banking can do. Thankfully, the list of Nigerian Bank USSD codes above will serve as a guide, so you know what codes or USSD commands to use whenever you need any of these services from your bank
You would also need to set up a 4 or 5-digit transaction PIN to authorize all transactions. This PIN would also serve as a shield to prevent impersonators or fraudsters from accessing your account. However, just like every other security breach, your PIN can be compromised or changed if the person gets hold of your ATM card or other personal details. Therefore, you have to be careful with your card, personal details, and mobile phone at all times. Nonetheless, while this mode of mobile banking may have its shortcomings, USSD banking is unarguably beneficial to the user and bank as well.