List of Nigerian Banks USSD Codes| USSD Transfer Codes

mobile banking ussd code

Making bank transactions have now become so simple, smarter and convenient. Now you can transfer money, check account balance, open accounts, top-up or send airtime, pay bills, and lots more using any mobile device. All you need is just to punch in the correct mobile banking USSD codes of your bank and go ahead and make your transaction.

The use of mobile banking USSD codes is not limited to some kind of devices alone; any kind  of phone is eligible for this banking system, even the Nokia s40 series, and Ntel devices.

The use of mobile banking USSD codes has made bank transactions more fun and easy but before you will be able to USE this system of banking, you must ensure that the mobile number you used in opening the bank account is the one present on the device you are using for this. For further enlightenment kindly contact your Bank Customer Support.

A Easy guide to using the USSD banking system

First: Punch in the correct mobile banking ussd code for your bank in your phone dialer and hit the dial button

Second: Register and get a pin which you would enter to confirm and trigger every transaction.

Third: The minimum amount to be transacted is #1000, the maximum depends on your Bank. You can still contact them to increase yours.

Nigerian Banks USSD Codes for Mobile Banking

Access Bank PLC USSD Codes for mobile banking

Customers of Access bank can dial *907# and start banking right on their mobile devices.

How to open a new fresh account with Access bank using USSD codes:

Simply dial *901*0# and follow the on-screen instructions to register a new account with access bank using your personal details or your (Bank Verification Number) BVN number; the account number and details will be sent to you through an SMS.

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How to use:

Interbank transfers (from Access bank to another Access Bank account)

*901*1*AMOUNT*NUBAN Account Number# (e.g: *901*1*1000*1234512345#) then confirm the transaction(s) with your 4-digit PIN.

Transfer to other banks

*901*2*AMOUNT*NUBAN Account Number# (e.g *901*2*1000*1234512345#) and authenticate with the last 4-digits of your BVN.

To perform other transactions, simply dial *901# and choose your desired transaction by inputting the number code beside it.

Diamond Banks USSD Codes

The USSD code for diamond bank transactions is *426#, you just dial it and follow the on-screen popups to perform your desired transaction(s).

How to use:

Interbank transactions (Diamond bank to another diamond bank) – dial *426*Amount*Account Number#

Diamond Bank gives the same code type for interbank transfers and transfers to other banks.

Eco Bank PLC USSD code

*326# is the USSD code for Eco Bank Mobile USSD banking.


FCMB – First City Monument Bank USSD code

FCMB has made it easier for its customers to perform lots of Bank transaction without coming to the banking hall, just dial *329# and get on the go.

  • Quickly transfer funds by Dialing *329*Amount*Account number# and *329*00#  to check your account balance.
  • To reset your PIN, just dial *329*0#


Fidelity Bank USSD Codes

Existing Fidelity bank customers should dial *770# to start doing transactions on their mobile phones without any internet connectivity.


First Bank PLC USSD Bank code

*894# is the magic banking code that is provided by First Bank to all its customers, so they easily carry out basic banking operations without the stress of queuing up inside the banking hall.

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The Codes

  • *894*Amount*Account Number# – to transfer funds to another first bank account or to other banks
  • *894*00# – to check account balance
  • *894*0# – to register as a new user, create or reset your 5-digit PIN.
  • for a mini-account statement, dial *894*AccountNumber#


GTB – Guaranty Trust Bank

Bank transactions is just more better and simpler for GT Bank customers, simply dial *737# to start banking.

Opening a new account with GTB?

Simply dial *737*0# and follow the onscreen prompts. Details of the account created will be sent to you via SMS.


Heritage Bank PLC

Just dial *322*030* and include the shortcode for the service you wish to perform. Visit any Heritage bank branch to request the shorts codes or contact their customer support. Below are some shortcodes:

How to Use:

  • To make transfers – dial *322*030*ACCOUNTNUMBER*AMOUNT#
  • Payment of bills – *322*030*BILLER ID *AMOUNT#.

Jaiz Bank

The system of mobile banking practiced by this bank is referred to as SMS banking; in this banking system, you perform bank transactions by sending specific SMS to 08055555700. Below are the SMS formats for Jaiz customers.

S/N Transaction Type SMS Format Sample Message
2 For Balance Enquiry BALANCE ACCTNO PIN BALANCE 0123456789 1234
3 Blocking of Account BLOCK ACCTNO PIN BLOCK 0123456789 1234
4 Last 5 Transactions TRANSACTIONS ACCTNO PIN TRANSACTIONS 0123456789 1234
8 Account Statement Request via Email STATEMENTREQUEST ACCTNO PIN STATEMENT 0123456789 1234
9 For Help HELP HELP
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Polaris Bank PLC USSD Codes

*833# is the code for Skye bank operators.


Stanbic IBTC Bank USSD codes


Sterling Bank USSD Codes

Existing Sterling Bank operators can now dial *822# to start banking easily and faster. You can perform lots of bank transactions with this code; simply follow the prompts and use the right number codes.


Union Bank of Nigeria

Irrespective of your mobile device, Union bank customers can now bank using specific codes. *826# is the magic code to bank faster if you are a Union Bank customer.


Unity Bank



Wema Bank USSD Codes

If you are a customer of WEMA bank, dial *945# to start using the USSD banking system. It requires no internet and works on all mobile devices.


Zenith Bank USSD Code – EazyBanking

Zenith bank nicknamed its USSD banking – “EazyBanking”. The code is *966#

How to use:

  • *966*0# to register or create a new Zenith bank account
  • *966*00# to check your bank account balance.
  • To reset your PIN, dial *966*60#
  • Paying for bills (DSTv and PHCN)? dial *966*7*amount*customer ID#

Simply dial *966# and follow the onscreen instruction for other transaction types.



These are the mobile banking USSD codes for all Nigerian Banks of recent, this post will be updated when new banks come up with their own Banking codes or if changes occur to the current ones.

Feel free to draw our attention if you need assistance by commenting on this post.

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