List of Mobile USSD Codes of Banks in Nigeria 2023

Happiness AbdulLast Updated: July 22, 2023

Things have changed in different sectors in Nigeria and the banking sector is no exception. Banking services in Nigeria have moved from physical banking to mobile and online/internet banking. Banks have taken advantage of the ease and speed of mobile banking, making the industry more efficient.

Today, you no longer need to go to the bank to make transfers, top up your phone or pay bills. You can do this on the go or directly from home by dialing your bank’s USSD code. The introduction of Unstructured Supplementary Service Data, also known as USSD codes, has made banking and banking easier for Nigerians.

With the USSD code, you don’t need an Internet connection. Unlike mobile banking apps (which are good, by the way), USSD codes can be used to transact using any phone without Internet.

In this article, we will also show you how to use the USSD code to make transactions. In the meantime, here is the complete list of USSD codes for Nigerian banks. Bank code USSD

List of Mobile USSD Codes of Banks in Nigeria

See USSD codes for different banks in Nigeria:

Access Bank USSD Code

Access Bank USSD Code allows you to transact and enjoy other banking benefits and services directly from your phone with no internet or data connection and no need to go to the bank.

The Access Bank USSD code is *901#.

USSD Code Ecobank

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

EcoBank’s USSD code is *326#.

Honest Bank USSD Code

Once you have a loyal bank account, it’s very simple. Just dial the Fidelity Bank USSD code on your phone, which is *770#. Select “Banking” and start banking!

First Bank USSD Code

Nigeria’s first bank to offer USSD banking to its customers, allowing customers to transact on their mobile device using USSD codes.

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

USSD Code for First City Monument Bank (FCMB)

Dial the First City Monument Bank USSD code to top up your mobile airtime, transfer funds, check account balances, and more. The USSD code for First City Monument Bank is *389*214#.

USSD Code of Guaranty Trust Bank (GTB)

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

USSD code of Heritage Bank

Do you have an account with Heritage bank and are you looking for a quick way to transact with the bank? It would be helpful if you tried using your bank’s USSD shortcode. The Heritage Bank USSD code is *322*00#.

Jaiz Bank USSD Code

JAIZ Bank may not be popular especially among people in southern Nigeria, but it has a strong banking system. They are not lazy in using USSD shortcodes.

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

Keystone Bank USSD Code

USSD bank codes are the easiest and fastest way to check your account balance and send money and airtime from your account to another account or mobile network. The USSD code for Keystone Bank is *7111#.

USSD Code Polaris Bank

The Polaris Bank USSD code is simple and fast to use. Dial the Polaris Bank USSD code, *833#, for your banking activities.

Stanbic Bank USSD Code IBTC

Stanbic Bank IBTC has also introduced the USSD code, which works with any phone number registered in your bank account (as is the case with other banks).

The USSD code for Stanbic IBTC is *909#.

Sterling Bank USSD Code

Unstructured Additional Services Data (USSD) allows Sterling Bank customers to access critical financial services through USSD short codes. The USSD code for Sterling Bank is *822#.

USSD code for United Bank of Africa (UBA)

The UBA USD code allows UBA customers to perform a variety of tasks, such as transferring funds, airtime top-ups, and even opening a UBA account.

The USSD UBA code is *919#.

Union Bank USSD Code

Here’s an easy way to do basic banking from your union bank account – using Union Bank’s USSD code.

For Union Bank customers, dial the Union Bank USSD code, *826#, to get started.

United 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 handy shortcode that allows its bank account holders to perform basic banking operations with ease.

Wema Bank’s USSD code is *945#.

Zenith Bank USSD Code

Zenith Bank was one of the first banks in Nigeria to launch an account control token Unstructured Additional Service Data (USSD), which customers can use to easily perform a number of banking transactions. Zenith Bank’s USSD code is *966#.

How to Activate and Use Bank USSD Code

Using a Nigerian bank USSD code for banking is very simple. Unstructured Supplementary Service Data (USSD) is a great feature that every bank account holder should use for convenience.

However, before using the USSD code to perform banking transactions, you must have an account at the bank. You can also open a bank account with most banks using the USSD code. Note:

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

How to Use USSD Code for Bank

This is a simple step to activate and start using your bank’s USSD code. This applies to all the banks listed above.

Enter your bank’s USSD code on your phone and dial it using the phone number associated with that particular bank account.
Follow the prompts displayed on your phone screen. If this is your first time using your bank’s USSD code, you’ll need to set up a PIN to approve or verify your future transactions.
After setting up the PIN, you are ready to go. The procedure is very simple. Dial the USSD shortcode; a list of services will be listed for you; Follow the prompts depending on what you want to do.

You can transfer to an account in the same bank, transfer to another bank, top up airtime, open a new account, and more.