Long lines, tedious forms, and lengthy processes have long plagued traditional banking. With the rise of technology, Nigeria’s banking landscape is changing, and USSD codes are the secret ingredient. These codes let you access a world of banking services instantly, no matter where you are.

Also Read: Quick Guide to Nigeria Bank Transfer Limits using USSD Codes and Mobile Banking

How Does USSD Work:

Imagine being able to check your balance, transfer funds, pay bills, and even buy airtime without setting foot in a bank. It’s not magic; it’s the power of USSD codes. These codes are simple, easy-to-remember combinations that pack a punch in terms of banking functionality.

USSD Banking: Easy Banking on Any Phone

• Talk to your bank with a code: Use a special code on your phone to access your bank account, even without internet.
• Menus guide you: Reply to numbered options on your screen to check balance, transfer money, and more.
• Secure with a PIN: Set a PIN to keep your transactions safe, just like an ATM card PIN.

Get Started (might vary by bank):

• Register your phone number with your bank for USSD banking.
• Create a secure PIN for transactions.

Now, let’s get down to business. We’ve compiled a complete list of USSD codes for major Nigerian banks, so you can have instant banking solutions right at your fingertips. Whatever bank you’re using, we’ve got you covered.

Nigerian Bank Codes

1. UBA

Here is a list of UBA USSD codes for various transactions:

• UBA USSD code: *919#
• Check balance: 91900#
• Airtime top-up for self: 919Amount#
• Airtime top-up for others: 919Phone number*Amount#
• Transfer to UBA Account: 9193account numberAmount#
• Transfer to Other banks: 9194account numberAmount#
• Load UBA Prepaid Card: 91932#

2. Access Bank USSD Codes

Here is a list of Access Bank USSD codes:

• Access Bank USSD code: *901#
• Check balance: 90100#
• Airtime top-up for self: 901Amount#
• Airtime top-up for others: 901Phone number*Amount#
• Transfer to Access Bank Account: 9013account numberAmount#
• Transfer to Other banks: 9014account numberAmount#
• Block debit card: 90110#
• Retrieve BVN: 90118#
• Deactivate USSD code: 901911#

3. ALAT Bank USSD Codes

ALAT Bank USSD code is *945# and it is available to everyone who has an account with Wema Bank. Here are some of the functions that can be carried out with the ALAT Bank USSD code:

• Account management: 9450#
• Airtime top-up for self: 945Amount#
• Airtime top-up for others: 945Phone number*Amount#
• Airtime/Data: 9459#
• Transfers (Wema account and other banks): 945accountNo*amount#
• Cable TV: 94522#
• JAMB (result checking): 94571#
• State Collections: 94540#
• Mcash: 94557# and 94557merchantcodeamount#
• Coralpay: 94558# and 945000*REFno#
• ALAT loan: 945100#
• Check LCC e-tag balance: 94516*1#

4. EcoBank USSD Codes

• Ecobank USSD code: *326#
• Check balance: 3260#
• Airtime top-up for others: 326Amount*PhoneNumber#
• Airtime top-up for self: 326Amount#
• Pay bills: *326#
• Transfer to Ecobank account: *326#
• Transfer to other banks: *326#
• Open Xpress save account: *326#
• Retrieve BVN: 5650#

FCMB USSD CODE

Here is an exhaustive list of FCMB USSD codes:

• FCMB USSD code: *329#
• Register for USSD banking: *329#
• Airtime top-up for others: 329Amount*PhoneNumber#
• Airtime top-up for self: 329Amount#
• Transfer funds: 329Amount*AccountNumber#
• Check balance: 32900#
• Create/reset transaction code: 3290#
• Buying data for another phone: 3291*Mobile Number#
• Paying for DStv or GOtv subscription: 3292AmountSmartcard Number#
• Block debit card: 329911#, then select 1
• Block account: 329911#, then select 2
• Link BVN: 329911#, then select 3
• Statement for up to six months: 329911#, then select 4
• Viewing last five transactions instantly: 329911#, then select 5
• Paying electricity bills: 3293AmountMeter Number# or 3293AmountAccountID#

Fidelity Bank

• Account balance enquiry: 7700#
• Airtime top-up for self: 770Amount#
• Airtime top-up for others: 770Phone number*Amount#
• Transfer to Fidelity Bank account: 770Account number*Amount#
• Transfer to other banks: 770Account number*Amount#
• Bill payments: *770#
• Retrieve BVN: 77002#

First Bank USSD Code: *894#

• First Bank USSD code: *894#
• Airtime top-up for self: 894Amount#
• Airtime top-up for others: 894Amount*PhoneNumber#
• Transfer to First Bank account: 894Amount*AccountNumber#
• Transfer to other banks: 894Amount*AccountNumber#
• Check balance: 89400#
• Mini statement: 894AccountNumber#
• Account opening: 8940#
• Deactivate mobile number: 894911#
• Register for USSD banking: 8940#

GTBank USSD Code: *737#

• GT Bank USSD code: *737#
• Airtime top-up for self: 737Amount#
• Airtime top-up for others: 737Amount*PhoneNumber#
• Transfer to GT Bank account: 7371AmountAccountNumber#
• Transfer to other banks: 7372AmountAccountNumber#
• Check balance: 7376#
• Mini statement: 7376*1#
• Buy data: 7374#
• Pay bills: 73750AmountServiceID#
• Cardless withdrawal: 7378*Amount#
• Open account: 7370#
• Block debit card: 73751*10#
• Retrieve BVN: 7376*1#
• Deactivate USSD code: 7375*6#

Heritage Bank USSD Code: *745#

The USSD code for Heritage Bank is *745#. Here are some of the functions that can be carried out with the Heritage Bank USSD code:

• Check balance: 7450#
• Change USSD PIN: 5650#
• Block account from any phone: 74500#
• Bet9ja Top-up: 74511#
• LCC payment: 745000*522+etagNo+100#
• Pay with USSD (on POS & Web): 745000*RefCode#
• Pay bills: *745#> Select pay bills
• Retrieve BVN: 5650#

Polaris Bank USSD Code: *833#

• Check account balance: 8336#
• Transfer to other banks: 833Amount*Account Number#
• Transfer to Polaris Bank account: 833Amount*Account Number#
• Buy airtime for self: 833Amount#
• Buy airtime for others: 833Amount*PhoneNumber#
• Pay bills: *833#
• Retrieve BVN: 5650#
• Block debit card: 8333#
• Open account: 8330#
• Deactivate USSD code: 8335*6#

Stanbic IBTC Bank USSD Code: *909#

• Stanbic IBTC USSD code: *909#
• Check account balance: 9091*1#
• Transfer to other Stanbic IBTC account: 90911AmountAccount Number#
• Transfer to other banks: 90922AmountAccount Number#
• Buy airtime for self: 909Amount#
• Buy airtime for others: 909Amount*PhoneNumber#
• Pay bills: *909#
• Retrieve BVN: 5650#
• Block debit card: 90911*4#
• Open account: 9091#
• Deactivate USSD code: 90911*5#

Sterling Bank USSD Code: *822#

The USSD code for Sterling Bank is *822#. Here are some of the functions that can be carried out with the Sterling Bank USSD code:

• Check your balance: 8226#
• Find your account number: 8228#
• Recharge your mobile phone: 822Amount#
• Recharge another mobile phone: 822Amount*Phone number#
• Transfer funds: 822Amount*Account number#
• Pay bills: 822Biller codeUnique codeAmount#
• Cardless withdrawal from ATM: 82242# and follow the prompts
• Card management, e.g. activate/deactivate, change your PIN: 82219#
• LCC Toll Payment: 82215#
• Account Opening: 8227#

Union Bank USSD Code: *826#

Here is an exhaustive list of Union Bank USSD codes:

• Union Bank USSD code: *826#
• Check account balance: 8264#
• Transfer to other banks: 8262AmountAccount No#
• Transfer to Union Bank account: 8261AmountAccount No#
• Buy airtime for self: 826Amount#
• Buy airtime for others: 826Amount*Phone Number#
• Pay bills: 8263#
• Check BVN: 82641#
• Block debit card: 826911#
• Open account: 8267#

Unity Bank USSD Code: *7799#

• Check account balance: 77990#
• Transfer funds: 77991Account NumberAmount#
• Buy airtime for self: 7799Amount#
• Buy airtime for others: 7799PhoneNumber*Amount#
• Pay bills: 77992#
• Retrieve BVN: 77995#
• Block account: 77999*PhoneNumber#
• Cardless withdrawal: 77998*Amount#
• Open account: 77997#

Wema Bank USSD Code: *945#

• Wema Bank USSD code: *945#
• Check balance: 9450#
• Airtime top-up for self: 945Amount#
• Airtime top-up for others: 945Phone Number*Amount#
• Transfer to Wema Bank account: 9451Account NumberAmount#
• Transfer to other banks: 9452Account NumberAmount#
• Bills payment: 9453#
• Cardless transactions: 9458*Amount#
• Open account: 94501# (Input Account Number, Date of Birth, and 4-digit PIN)

Zenith Bank USSD Code: *966#

• Zenith Bank USSD code: *966#
• Check account balance: 9660#
• Airtime top-up for self: 966Amount#
• Airtime top-up for others: 966Amount*Mobile number#
• Transfer to Zenith Bank account: 966Amount*Account number#
• Transfer to other banks: 966Amount*Recipient’s account number#
• Update BVN: 966BVN#
• Reset PIN: 96660#
• Deactivate Eazy Banking Profile: 96620*0#
• Block Zenith ATM Debit Card: 96660#
• Check Zenith bank account number: 96600#
• Zenith Bank Loan USSD Code: 96611#
• Cardless withdrawals: 96660#, select option “7”
• Deactivate USSD banking: 966911#
• Protect code (Deactivate account): 96660#

Mobile Network USSD Codes

1. MTN USSD Code: *556#
2. Airtel USSD Code: *121#
3. Glo USSD Code: *127#
4. 9Mobile USSD Code: *200#

Conclusion:

Gone are the days of waiting and wondering. With Nigerian bank USSD codes, the future of banking is here, and it’s brighter than ever.

Say goodbye to long lines and complicated forms, and say hello to the simplicity and convenience of instant banking solutions. It’s your money, your choice, and now, your shortcut to financial freedom.