Traditional banking has long been plagued by long lines, tedious forms, and lengthy processes. However, with the rise of technology, Nigeria's banking landscape is undergoing a transformation, and USSD codes are at the forefront of this revolution. These codes allow you to access a wide range of banking services instantly, no matter where you are.
Imagine being able to check your balance, transfer funds, pay bills, and even buy airtime without ever setting foot in a bank. This is made possible by USSD codes, which are simple, easy-to-remember combinations that offer robust banking functionality.
Here's how it works: Dial a short USSD code on your phone, follow the prompts, and you're in control of your finances. No internet connectivity or smartphone is required; USSD codes work on any mobile device and with any mobile network.
We've compiled a comprehensive list of USSD codes for major Nigerian banks, so you can have instant banking solutions right at your fingertips. Whether you're using UBA, Access Bank, ALAT Bank, Ecobank, FCMB, Fidelity Bank, First Bank, GTBank, Heritage Bank, Polaris Bank, Stanbic IBTC Bank, Sterling Bank, Union Bank, Unity Bank, Wema Bank, or Zenith Bank, we've got you covered.
Traditional banking in Nigeria has long been characterized by long lines, tedious forms, and lengthy processes. However, the advent of technology is revolutionizing the country's banking landscape, with USSD codes emerging as a key element. These codes allow users to access a wide range of banking services instantly, regardless of their location.
The USSD Revolution:
Imagine being able to check your balance, transfer funds, pay bills, and even purchase airtime without ever setting foot in a bank. USSD codes make this possible. These simple, easy-to-remember codes offer significant banking functionality.
Cracking the Code:
To use USSD codes, simply dial a short code on your phone, follow the prompts, and you can manage your finances with ease. No internet connection or smartphone is required; USSD codes work on any mobile device and with any mobile network.
List of Nigerian Bank USSD Codes:
We have compiled a comprehensive list of USSD codes for major Nigerian banks, allowing you to access instant banking solutions at your convenience. Whether you bank with UBA, Access Bank, ALAT Bank, Ecobank, FCMB, Fidelity Bank, First Bank, GTBank, Heritage Bank, Polaris Bank, Stanbic IBTC Bank, Sterling Bank, Union Bank, Unity Bank, Wema Bank, or Zenith Bank, these codes have 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#
Baba Ijebu Wallet Funding: 9190#
Bet9ja Wallet Funding: 91926*1#
Betking Wallet Funding: 91926walletIDamount#
Lottomania Wallet Funding: 91926*2#
ARM Pensions: 91927*1#
Oak Pensions: 91927*2#
Airline Tickets Menu: 91912#
Airline Tickets – Ethiopian Airline: 91912*071#
Airline Tickets – Virgin Atlantic Airline: 91912*932#
Airline Tickets – Royal Air Morocco: 91912*147#
Airline Tickets – Rwanda Air: 91912*459#
Airline Tickets – Kenya Airways: 91912*706#
Airline Tickets – Delta Air Lines: 91912*6#
Airline Tickets – Air France: 91912*57#
Airline Tickets – Emirates: 91912*176#
Deactivate UBA USSD code: 919911#
Self-Enrolment – Registration: 9190#
Check LCC e-tag balance: 91916*1#
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#
Check LCC e-tag balance: 90116*1#
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#
5. 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#
6. 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#
7. 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#
8. 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#
9. 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: *565*0#
10. 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#
11. 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#
12. 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#
13. 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#
14. 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#
15. 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)
16. 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#
Bills payment: 9667AmountCustomer ID# (DStv and PHCN) or 9666Biller codeAmount# (other Zenith Billers)
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#
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