Bank With Ease On Your Mobile Phone Using This Codes; For All Banks (For Nigerians Only)

As technology improves, the financial sector is not left behind, several software’s have been developed to make banking easier and faster. One of such is the USSD code for mobile phones, USSD means Unstructured Supplementary Service Data and is a service which allows you pay your bills and do other transactions by simply dialing a short code on your phone, USSD codes are also called Quick Codes.

Almost all banks in Nigeria now have their special USSD codes for mobile money transactions such as:

-          Buying airtime,

-           Account Opening,

-          Balance Inquiry/Checking,

-          Money transfer to same bank and other banks,

-          Cash-on-the-go, and more.

The service is similar to internet banking except that it does not use internet access so when a person does not have access to the internet, he/she can still use USSD codes for banking transactions.

You can only use the particular SIM card or mobile line you used to open your account with to do USSD transactions. If you lose that line and don’t plan to do welcome back, simple go to the bank and change your mobile number and you are good to go.

All USSD transactions require a PIN code which serves as your security against fraudsters and other identity thieves. You will be required to set the PIN code (either 4 or 5 digits) the first time you try to do a USSD transaction. .

Note: Please note that for most Nigerian banks, you will not be able to perform USSD transactions except you have at least 10 Naira on the mobile line you registered your bank account with so if you are not able to do a transaction (You will usually get a “Not Available” error), check your account balance and recharge your line.

USSD code mobile money transfer service is fast, secure and convenient. Find below the list of all USSD codes for mobile money transfer for all Nigerian banks which offer USSD service currently.

List of Mobile Banking USSD Codes for All Banks in Nigeria in 2017

Guaranty Trust Bank (GTB) USSD Code for Money Transfer

Guaranty Trust Bank is the leading bank in Nigeria in terms of electronic banking. They were one of the first to introduce USSD banking, GTBank’s USSD code is *737#. The minimum transfer limit is N1,000 Naira and a daily transfer limit of N20,000.

• To transfer money from your GTBank account to another GTBank account, just dial *737*1*Amount*Recipient’s GTB Account Number# e.g *737*1*3000*0123456789#
• To transfer money from your GTBank account to another Bank, use *737*2*Amount*Other Bank Account Number e.g. SkyBank# for example *737*2*10000*0123456789#.

Fidelity Bank USSD Code for Money Transfer

Fidelity Bank USSD code is *770# and the maximum transfer allowed per day is N10,000 Naira.

• Fidelity Bank USSD money transfer code to other banks is *770*Recipient’s Account Number*Amount#  e.g, *770*0123456789*5000#.

First Bank USSD Code for Money Transfer

First bank is one of the best/biggest Nigerian bank for electronic banking services. First Bank’s USSD code is *894#.

• To transfer money, dial *894#, a list of options will appear including Transfer money, Withdraw money and Make purchases, pay bills, buy airtime and manage account. To make transfer,
• Type 1 and send.
• Simply follow the instructions after and make your transfer.

Wema Bank USSD Code for Money Transfer

Wema Bank is relatively new to USSD banking but they offer a good USSD service. Wema Bank USSD code is *945#.

• To transfer money with Wema Bank, simply dial *945#
• A list of options will appear including Open Account, My Balance, Send Money, Buy Airtime and Cash-on-the-go, Pay Bills, Change PIN, Change Account, Link BVN, Card Control, Pay with Mobile, Receive Western Union and Generate OTP.
• Reply with “3” which is for transfer, you will then be asked to choose whether it is to a Wema Bank Account or other banks. Reply with the corresponding number and simply keep on following the on-screen instructions.

Skye Bank USSD Code for Money Transfer

Skye Bank’s USSD mobile code is *833# and to transfer, all you need to do is dial *33# from your mobile phone and follow the instructions.

Sterling Bank USSD Code for Money Transfer

Sterling Bank’s USSD mobile banking code is *822#. To perform a transfer, simply dial *822# and follow the instructions however every time you use the Sterling Bank USSD service, N5 will be deducted from your line.

Diamond Bank USSD Code for Money Transfer

Diamond Bank USSD code has been on the mobile money Platform for a sometime  and their USSD code is *710#.

• To transfer money to any bank, simply dial *710*777*Recipient’s Account Number*Amount*PIN# for Y’ello Account Holders
• For Diamond Bank to Diamond Bank account money transfers, dial *710*710*Account Number*Amount*PIN#

Ecobank USSD Code for Money Transfer

Ecobank’s Mobile USSD code is  and it has instant

-           transfers,

-          account balance,

-          bill payments,

-          mini-account statements and airtime purchase features. 

-          To transfer money from your Ecobank account, dial *326# and follow the on-screen instructions.

Zenith Bank USSD Code for Money Transfer

Zenith Bank’s Mobile Banking USSD code is *966# and it gives you access to open an account, check account balance, load recharge cards and transfer money.

• To transfer money from your Zenith Bank account to another, dial *966*Amount*Recipient’s Account Number# and follow the instructions on the screen.

First City Monument Bank (FCMB) USSD Code for Money Transfer

FCMB’s mobile USSD code is *389*214#. To use the FCMB USSD service, you have to visit any FCMB branch or call their customer care on 01-2798800 to get your PIN.

• To transfer money or do any other transaction after getting your PIN, simply dial *389*214# and follow the on screen instructions.

Unity Bank USSD Code for Money Transfer

Unity Bank’s Mobile USSD mobile code is *389*215# and to transfer money, you just need dial *389*215# and follow the on screen prompts.

UBA USSD Code for Money Transfer

UBA’s mobile USSD code is *919#, dial it and follow the on-screen instructions that follow.

HeritageBank

All you need is the mobile number you have registered with your Heritage Bank account. You don’t need to register for the service, you don’t need any app! Just type the short code *322*030* .

Heritage Bank mobile USSD codes are;

• Self-recharge – *322*030*AMOUNT#
• Third Party Recharge – *322*030*PHONENUMBER*AMOUNT#
• Transfer – *322*030*ACCOUNTNUMBER*AMOUNT#
• Bill Payment – *322*030*BILLER ID *AMOUNT#, for example, to pay for LCC Dial *322*030*1066*AMOUNT#

 KeyStone Bank

 KeystoneMobile has also evolved with a  reliable and convenient use of mobile phone devices to carry out basic banking transactions such as

-  balance enquiry

-  airtime top up

-  bills payment for PHCN, DSTV, etc.,

- salary payments,

- funds transfer (intra and interbank).

It provides a quick and safe access of your bank account from your mobile phone

You can use the USSD mode with all phone types by dialing *322*082# (MTN, AIRTEL & ETISALAT) or *805*082# (GLO only) and follow the steps below to opt-in (register):

1.      Enter NUBAN Account Number

2.      Enter any 4 digit number you can remember as the m-Pin

3.      Confirm m-Pin

However, for Blackberry and Android phones, you can download ‘Keystone Mobile’ from Blackberry World or Android Play store. For BB 10 Series, an activation code will be sent to your inbox to activate the mobile app.