The Instant banking Ussd Codes for Banks in Nigeria

Several banks in Nigeria now offer the USSD code for various types of transactions. Nowadays you don’t have to physically go to a bank in order to transfer money to any part of the country as long as you have the account number of the beneficiary. The best thing about this service is that it does not require internet connection, it can be used on all phones as long as its screen and keypad are functioning, even the old Nokia phones are eligible for it. In order to use this code first, you need to set up the following

• Bank account with the said bank you wish to transact with.
• A phone number connected to the said bank account.
• A debit card issued to you when you open an account, it might be valve or master card.  Some people call it ATM card.
• A mobile phone with good service, good screen & functional keypad (for those not using touch screen phone). It doesn’t have to be an android phone, it could be java, Symbian, or one of those old touch light phones.
• Your brain, eyes and hands.

These are the USSD codes in used by different banks in Nigeria

Diamond Bank

Use this USSD code for diamond bank *710#, then follow the on screen instruction where there are variety of options like Balance enquiry, Airtime purchase, Bank to Bank transfer etc.

Eco Bank

Dial the following USSD code on your phone line that is connected to your eco bank account, the code is *326#, this takes you to another screen where you can check your account balance, buy airtime, transfer money etc.

FIDELITY

The code for this particular bank is *770#, it will take you to a menu where several options can also be selected just like all the other banks.

F.C.M.B (First City Monument Bank)

If you use this bank use the following code *389*214#, another screen will pop up with options for different services like Balance enquiry, Top up, transfer funds etc. choose based on what you want to do.

First Bank

Simply dial *894# to use the non-internet mobile banking for first bank of Nigeria, it also has almost same options as other banks like check balance, Airtime purchase, Pay bills etc.

Gt Bank (Guaranty Trust Bank)

In case you happen to be the customer of this bank use the following USSD code which is *737#, this pops up another menu with options like Airtime-self, Airtime Others, Burrow Airtime, Buy data, Transfer funds-GT bank etc. just like the picture below, just choose what you want do & follow the on screen instruction.

STANBIC IBTC

The USSD code for this bank is *909#, then follow the onscreen instructions to select the action you desire to do at that time whether Checking balance, Airtime purchase etc.

Sterling Bank

Simply dial *822#, after the pop up, chose the option you desire based on the action you wish to take. Sterling bank USSD code isn’t free, you will get charged N5 each time you dial the code on your phone.

Sky Bank

Sky bank customers should use *833#, to start, choose from Airtime purchase, balance inquiry, Transfers etc.

UBA (United Bank for Africa)

UBA customers should use this code *919#, then choose what you want to do out of the giving options.

Zenith Bank

The USSD code for zenith Bank is *966#, this will give you a new pop up with some options just as shown in the picture below.

Access Bank

This bank is bit of an exception you have to download their app from google play store, in order to have access to most of the services offered by USSD codes of other banks in Nigeria. But you can check your balance using SMS.

All you have to do is send ‘’BAL your account number’’ to 08160000612

 for example, BAL 01987654327

The number you should send the SMS to is 08160000612, after that you will receive a message about your account balance. You can buy recharge card easily from them by dialing *906*Amount# e.g to recharge N100 dial *906*100#

Note

• Using any of the USSD codes for the first time will prompt you to register for the said service (its free). After that you can start using the code.

• After each transaction is completed you will receive an SMS alert informing you about it.It usually takes less than 10 minutes for the transaction to be completed.

• In case of network error during the transfer of funds, where the beneficiary failed to receive the money after 24 hours and you have been debited. Call the customer care of the bank, their numbers will be on your ATM card, they will rectify the issue and return your money to your account. Unless you know somebody at the nearest bank branch it’s better to call customer care. But you will be charged for the call, it aint toll free.

• Some of the banks require the last four digits of your debit card number (14 digits’ number displayed on the front side of debit card).

• You can use the codes of all the banks listed here on one phone number as long as you have a bank account with each them. Also the number must be registered with all of the banks.