Mobile banking USSD codes for banks in Nigeria

Emeh Joy

The introduction of the Unstructured Supplementary Service Data, also known as USSD codes, have made banking and banking activities easier for Nigerians. Here is a full list of the USSD codes for Nigerian banks.

Mobile Banking in Nigeria: USSD codes for different banks in Nigeria

Things have changed in different sectors in Nigeria, and the banking sector is not left out. Banking in Nigeria has drifted from physical to mobile and online/internet banking.

Banks have leveraged on the ease and speed of mobile banking, thus, making for more effectiveness in the sector.

Nowadays, you need not visit the bank to make transfers, recharge your phones or even pay your bills. You can do that while on the go or right from the confines of your home simply by dialling the USSD code of your bank.

The introduction of the Unstructured Supplementary Service Data, also known as USSD codes, have made banking and banking activities even much easier for Nigerians.

With the USSD code, you don't even need to connect to the internet. Unlike in the case of mobile app banking (which is also good by the way), USSD codes can be used to make transactions using any phone without internet. You don't need an app for that.

In this article, we will also teach you how to use the USSD codes to perform transactions. Meanwhile, here is a full list of the USSD codes for Nigerian banks.

Bank USSD codes

Check out the USSD code for different banks in Nigeria.

Access bank USSD code

The Access bank USSD code allows you to make transactions and enjoy other banking benefits and services right from your phone without internet connection or data and without visiting the bank.

Access bank's USSD code is *901#.

EcoBank USSD code

If you are an EcoBank customer, the Ecobank USSD code would always come handy whenever you want to make a transaction from your bank account.

The EcoBank USSD Code is *326#.

Fidelity Bank USSD code

Once you have a fidelity bank account, this is very simple. Just dial the Fidelity Bank USSD code on your phone which is *770#. Select 'Banking' and start banking!

First Bank USSD code

The First Bank of Nigeria provides USSD Banking Service for its customers which allow customers to make transactions on their phone devices using the USSD code.

The USSD code for First Bank of Nigeria is *894#.

First City Monument Bank (FCMB) USSD code

Dial the First City Monument Bank USSD code to top up airtime on your mobile device, transfer funds, check account balance etc. The USSD code for First City Monument Bank is *389*214#.

Guaranty Trust Bank (GTB) USSD code

You can initiate a transfer or some other bank transaction by dialling the GTB USSD shortcode. The USSD short code for GTB is *737#.

Heritage Bank USSD code

Do you have an account with heritage bank and seek a fast means of running transactions with the bank? It would help if you tried using the bank's USSD short code. The USSD code for Heritage Bank is *322*00#.

Jaiz Bank USSD code

JAIZ Bank may not be popular, especially for people in the southern part of Nigeria, but the bank does have a strong banking system. They are not left out in the use of USSD short codes.

The USSD code for Jaiz Bank is *389*301.

Keystone Bank USSD code

The USSD banking code is the easiest and fastest means of checking account balance, sending money and airtime from your account to another account or mobile network.

The USSD code for Keystone Bank is *7111#.

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Polaris Bank USSD code

Polaris Bank USSD code is quick and simple to use. Simply dial the Polaris Bank USSD code, *833#, for your banking activities.

Stanbic IBTC Bank USSD code

The Stanbic IBTC Bank also introduced the USSD code which works with any phone number registered to your bank account (just as it is with other banks).

The USSD code for Stanbic IBTC is *909#.

Sterling Bank USSD code

The Unstructured Supplementary Service Data, USSD allows Sterling Bank customers to have access to basic financial services by merely dialling the USSD shortcode.

The USSD code for Sterling Bank is *822#.

United Bank for Africa (UBA) USSD code

The UBA USSD code enables UBA customers to carry out a range of tasks such as to transfer funds, top-up airtime and even to open UBA account.

UBA USSD code is *919#.

Union Bank USSD code

Here is an easy way to carry out basic banking operations from your union bank account - the use of the Union Bank USSD code.

For a Union Bank customer, you dial the Union Bank USSD code, *826#, to get started.

Unity Bank USSD code

Transfer funds from your Unity Bank account using the USSD shortcode. The USSD code for Unity Bank is *7799#.

Wema Bank USSD code

Wema Bank has a convenient banking short code which allows it's bank account holders to carry out basic banking operations with ease.

The Wema Bank USSD code is *945#.

Zenith Bank USSD code

Zenith Bank was among the first banks in Nigeria to launch the Unstructured Supplementary Service Data (USSD) account control code which customers can use to make some bank transactions with ease.

The Zenith Bank USSD code is *966#.

How to activate and use bank USSD codes

Using the USSD code for a Nigerian bank to perform banking operations is super easy. The Unstructured Supplementary Service Data (USSD) is a cool feature which every bank account holder should use for convenience.

However, before opting to use any USSD code, you must have an account with the bank. For most of the banks, you can as well open a bank account with them using the USSD code.


The phone number you are dialling the USSD code from must be the phone number associated with your bank account.

How do you use USSD codes for banking operations?

Here is a simple step on how to activate and start using your bank's USSD code. This applies to all banks listed above.

  1. Input the bank's USSD code into your phone and dial it using the phone number associated with that particular bank account.
  2. Follow through with the prompt displayed on your phone's display.
  3. If it is your first time using the bank USSD code, you will be required to set up a PIN which you will be using for approving or verifying your future transactions.

After setting up your pin, you are good to go. The procedure is simple. Dial the USSD short code, a list of services will be listed out for you, follow through with the prompt depending on what you want to do.

You can make a transfer to an account in the same bank, transfer to another bank, top-up airtime, open a new account etc.