Nigerian Banks USSD Codes
In today’s fast-paced world, one of the most significant requirements of modern banking is convenience. As a result, USSD codes have become increasingly popular for banking transactions in Nigeria. USSD codes are a simple and fast way to access various banking services from your mobile phone. They eliminate the need to visit a physical branch and enable customers to carry out transactions quickly and securely.
In this article, we will discuss the USSD codes for commercial banks in Nigeria. This guide will be useful for anyone who wants to carry out banking transactions with ease, from anywhere and at any time.
| S/N | BANKS NAME | USSD CODE |
| 1 | Access Bank | *901# |
| 2 | ALAT Bank | *945# |
| 3 | Ecobank | *326# |
| 4 | FCMB | *329# |
| 5 | Fidelity Bank | *770# |
| 6 | First Bank | *894# |
| 7 | GTBank | *737# |
| 8 | Heritage Bank | *745# |
| 9 | Keystone Bank | *7111# |
| 10 | Polaris Bank | *833# |
| 11 | Stanbic IBTC Bank | *909# |
| 12 | Sterling Bank | *822# |
| 13 | UBA | *919# |
| 14 | Union Bank | *826# |
| 15 | Unity Bank | *7799# |
| 16 | Wema Bank | *945# |
| 17 | Zenith Bank | *966# |
1. Access Bank USSD Codes (*901#)
| Transaction Type | USSD Code |
| Airtime Top-Up for Self | *901*Amount# |
| Airtime Top-Up for Others | *901*Amount*Phone Number# |
| Deactivate Account | *901*911# |
| Pay bills | *901*3# |
| Transfer to Other banks | *901*2*AMOUNT*NUBAN Account Number# |
| Transfer to Access Account | *901*1*AMOUNT*NUBAN Account Number# |
| Check Balance | *901*00# |
| Account Opening/ PIN Change/Registration | *901*0# |
2. ALAT Bank USSD Codes (*945#)
| Transaction Type | USSD Code |
| Airtime Top-Up for Others | *945*phone Number*Amount# |
| Airtime Top-Up for Self | *945*Amount# |
| Check balance | *945*0# |
| Transfer to ALAT Account | *945*Account Number*Amount# |
| Transfer to Other banks | *945*Account Number*Amount# |
3. Ecobank USSD Codes (*326#)
| Transaction Type | USSD Code |
| Airtime Top-Up for Others | *326*Amount*PhoneNumber# |
| Airtime Top-Up for Self | *326*Amount# |
| Check Balance | *326*0# |
| Pay bills | *326# |
| Transfer to Ecobank Account | *326# |
| Transfer to Other banks | *326# |
4. Fidelity Bank USSD Codes (*770#)
| Transaction Type | USSD Code |
| Airtime Top-Up for Others | *770*PHONE*AMOUNT# |
| Airtime Top-Up for Self | *770*AMOUNT# |
| ATM cardless withdrawal | *770*8*AMOUNT# |
| Block Account from USSD Banking | *770*08012345678# |
| Block Card | *770*911# |
| Block Phone from USSD Banking | *770*911*08012345678# |
| Change PIN | *770*00# |
| Check Balance | *770*0# |
| Choose SMS and Email Alert | *770*2# |
| Pay bills | *770# |
| Transfer to Fidelity Account | *770*ACCOUNT*AMOUNT# |
| Transfer to Other banks | *770*ACCOUNT*AMOUNT# |
| Update BVN | *770*02# |
5. FCMB USSD Codes (*329#)
| Transaction Type | USSD Code |
| Airtime Top-Up for Others | *329*Amount*Mobile number# |
| Airtime Top-Up for Self | *329*Amount# |
| Block USSD Profile or Bank Account | *329*911# |
| Buy Data | *329*1*Mobile Number# |
| Check balance | *329*00# |
| Pay bills (DSTv/GOTv) | *329*2*Amount*Smartcard Number# |
| Pay Electricity Bill | *329*3*Amount*Meter No# or *329*3*Amount*AccountID# |
| Reset PIN | *329*0# |
| Transfer to FCMB Account/Other banks | *329*Amount*Account number# |
6. First Bank USSD Codes (*894#)
| Transaction Type | USSD Code |
| Account Opening | *894*0# |
| Airtime Recharge for Others | *894*Amount*Phone Number# |
| Airtime Recharge for Self | *894*Amount# |
| Check Balance | *894*00# |
| Deactivate Your Mobile Number | *894*911# |
| Mini-Statement | *894*Account Number# |
| Register for USSD Banking | *894*0 |
| Transfer to First Bank/Other bank Accounts | *894*0 |
7. GTBank USSD Codes (*737#)
| Transaction Type | USSD Code |
| Account Opening | *737*0# |
| Airtime Top-Up for Self | 737*amount# |
| Airtime Top-Up for Others | *737*Amount*Recipient’s number# |
| Check Account Number/ Check Balance/BVN | *737*6*1# |
| Create PIN | *737*5# |
| Data Top-Up | *737*4# |
| Make Enquires | *737*6# |
| Reactivate Account | *737*11# |
| Transfer to GTBank Account | *737*1*Amount*NUBAN Account Number# |
| Transfer to Other banks | *737*2*Amount*NUBAN Account Number# |
8. Heritage Bank USSD Codes (*745#)
| Transaction Type | USSD Code |
| Airtime (Self) | *745*Amount# |
| Airtime (Third Party) | *745*Amount*MobileNumber# |
| Balance Enquiry | *745*0# |
| Bet9ja Top-up | *745*222*Bet9jaUserID*Amount# |
| Block Your Account from any phone | *745*11# |
| Change USSD PIN | *745*00# |
| Transfer to a Heritage Bank Account | *745*1*Amount*AccountNumber# |
| Transfer to Other Banks | *745*2*Amount*AccountNumber# |
| LCC Payment | *745*000*522+etagNo+100# |
| Pay with USSD (on POS/Web) | *745*000*RefCode# |
| USSD Registration With ATM Card | *745*AccountNumber*Last6DigitOfCard# |
| USSD Registration Without ATM Card | *745*AccountNumber# |
9. Keystone Bank USSD Codes (*7111#)
| Transaction Type | USSD Code |
| Activate Debit Card | *7111*9*123# |
| Change your default Top-up Account | *7111*AcctNo# |
| Check account balance | *7111*00# |
| Check Balance | *7111*1# |
| Mobile Data Top-Up | *7111*5# |
| Panic Code (In case of theft/password compromise) | *7111*911# |
| Pay bills | *7111*2# |
| Recharge for others | *7111*Amount*Phone Number# |
| Recharge your phone | *7111*Amount# |
| Send Money | *7111*Amount*Nuban Account Number# |
| USSD Registration | *7111*0# |
10. Polaris Bank USSD Codes (*833#)
| Transaction Type | USSD Code |
| Airtime Top-Up for Others | *833*AMOUNT*PHONENUMBER# |
| Airtime Top-Up for Self | *833*AMOUNT# |
| Check Balance | *833*6# |
| Opening Account | *833*1# |
| Pay bills | *833*2# |
| Pay With MasterPass | *833*7# |
| Transfer to Polaris Account/Others | *833*AMOUNT*ACCOUNTNUMBER# |
| Update BVN | *833*5# |
11. Stanbic IBTC Bank USSD Codes (*909#)
| Transaction Type | USSD Code |
| Airtime Top-Up for Others | *909*Amount*phone number# |
| Airtime Top-Up for Self | *909*Amount# |
| Check Balance | *909*1*1# |
| Transfer to Other banks | *909*22*Amount*Account Number# |
| Transfer to Stanbic Account | *909*11*Amount*Account Number# |
12. Sterling Bank USSD Codes (*822#)
| Transaction Type | USSD Code |
| Airtime Top-Up for Others | *822*Amount*Phone Number# |
| Airtime Top-Up for Self | *822*Amount# |
| Check Account Number | *822*8# |
| Check balance | *822*6# |
| Register for USSD Service | *822*1*NUBAN# |
| Transfer to Other banks | *822*5*Amount*Account Number# |
| Transfer to Sterling Account | *822*4*Amount*Account Number# |
13. UBA USSD ShortCodes (*919#)
| Transaction Type | USSD Code |
| Airtime Top-Up for Others | *919* Phone number* Amount# |
| Airtime Top-Up for Self | *919*Amount# |
| ATM cardless withdrawal | *919*30*Amount# |
| Check Balance | *919*00# |
| Load UBA Prepaid Card | *919*32# |
| Pay bills | *919*5# |
| Transfer to Other banks | *919*4*account number*amount# |
| Transfer to UBA Account | *919*3*account number*amount# |
14. Union Bank USSD Codes (*826#)
| Transaction Type | USSD Code |
| Airtime Top-Up for Others | *826*amount*recipient’s mobile no# |
| Airtime Top-Up for Self | *826*amount# |
| Check Balance | *826# |
| Create PIN | *826*5# |
| Register | *826# |
| Transfer to Other banks | *826*2*amount*account no# |
| Transfer to Union Account | *826*1*amount*account no# |
15. Unity Bank USSD Codes (*7799#)
| Transaction Type | USSD Code |
| Balance inquiry | *7799*0# |
| Bet9ja Wallet funding | *7799*403*Bet9ja ID*amount# |
| Block account | *7799*9*phone number# |
| BVN verification | *7799*5# |
| Cardless withdrawal | *7799*8*Amount# |
| Self recharge | *7799*Amount# |
| Third-party Airtime Recharge | *7799*Phoneno*amount# |
| Transfer to Other banks | *7799*2*accountno*amount# |
| Transfer to Unitybank | *7799*2*accountno*amount# |
| Transfer to Unitybank | *7799*1*accountno*amount# |
| USSD on POS | *7799*000*RefID# |
16. Wema Bank USSD Codes (*945#)
| Transaction Type | USSD Code |
| Airtime Top-Up for Others | *945*phone Number*Amount# |
| Airtime Top-Up for Self | *945*Amount# |
| Check balance | *945*0# |
| Transfer to Other banks | *945*Account Number*Amount# |
| Transfer to Wema Account | *945*Account Number*Amount# |
17. Zenith Bank USSD Codes (*966#)
| Transaction Type | USSD Code |
| Airtime Top-Up for Self/Others | *966*Amount*Mobile Number# |
| Block ATM Card | *966*60# |
| Check balance | *966*00# |
| Deactivate Mobile Banking Profile | 966*20*0# |
| Opening Account | *966*0# |
| Other Self Service | *966*60# |
| Pay bills (DSTv/PHCN) | *966*7*Amount*Customer ID# |
| Pay Zenith Billers | *966*6*Biller code*Amount# |
| Reset USSD Password/PIN | *966*60# |
| Transfer to Zenith Account/Other Banks | *966*Amount*Account Number# |
| Update BVN | *966*BVN# |