USSD and Transfer Codes For all Banks; A guide to easy Banking


USSD and Transfer Codes For All Banks

Someone with a bank account wants to perform any bank transaction or wants to communicate with a bank about a business transaction and wants to do this without an internet connection. That is what this post will help to do.

This is done effectively with the use of bank USSD or transfer codes. Bank USSD code (Unstructured Supplementary Service Data) is an easy way to access banking services with your mobile devices.

USSD code, a short code that starts with * (star) and ends with # (hash or pound), which you can dial as if you are making a call, is a code that is used to create a 2-way communication between banks and their customers.

Bank customers use this code for any banking transaction they want to make. It provides a free means of enjoying banking services on your mobile phone. All you have to do is dial those codes and enjoy your free banking services now!!

This post provides knowledge on USSD/transfer codes, which you can use to enjoy easy banking services.

Also read: Financial Technology; 18 Fintech Banks In Nigeria

USSD and Transfer Codes for all Banks

List of Banks and their Various USSD Transfer Codes

First Bank
first bank
first bank

Main USSD code: *894#

8940# -> open account

894Amount# -> Recharge for yourself

894Amount*phoneNO# -> Recharge for others

89400# -> Check account balance

894Amount*AccountNo# -> Transfer to other banks

894911# -> Deactivate mobile number

Also check: First Bank of Nigeria Limited; A Dynamic Team Lead for Initiative Support Needed

Francophone First Bank Management Associate Programme 2023

GTB (Guaranty Trust Bank)

Guaranty Trust Bank Plc
Guaranty Trust Bank Plc

Main USSD code: *737#

7370# -> open account

7371*AccountNo# -> Transfer (form a GTB account to another GTB account)

7372*AccountNO# -> Transfer (GTB to other bank accounts)

737Amount*mobileNo# -> Airtime top-up for others

737Amount# -> Airtime top-up for self

7376*1# -> check balance

73751*51# -> request for loan

UBA (United Bank of Africa)
UBA (United Bank of Africa)
UBA (United Bank of Africa)

Main USSD code: *919#

919mobileNo*Amount# -> Airtime top-up for others

919Amount# ->Airtme top-up for yourself

9194AccountNoAmount# -> Fund transfer to others

9193AccountNoAmount# -> Fund transfer to another UBA account

9195# -> Pay bills

91918# -> BVN retrieval

Other banking options are available, and you can enjoy them by simply dialling this code (*919#).

Zenith Bank
Zenith Bank
Zenith Bank

Main USSD code: *966#

You can check your account balance, pay bills, transfer money to other accounts, recharge airtime both for yourself and others and perform many other actions when you dial *966#

Fidelity Bank
Fidelity Bank
Fidelity Bank

Main USSD code: *770#

There are a lot of bank transaction and transfer features which you can perform by dialling this USSD code.

Union Bank
Union Bank
Union Bank

Main USSD code: *826#

Recharge airtime for others and for yourself, check your account balance, transfer money from your bank account to other banks or another account in the same bank, plus many more if you dial *826# today.

Access Bank
Access Bank
Access Bank

USSD code: *901#

Dial the Access Bank USSD code to Transfer money and perform other Business transactions now.

Also see: Tips to Secure Your Bank Account; Access Bank provides Customers with Tips on How to Secure Bank Accounts.

FCMB (First City Monument Bank)
FCMB (First City Monument Bank)
FCMB (First City Monument Bank)

USSD code: *329#

This is an easy and fast way to transfer funds to an FCMB account or other bank accounts using your FCMB USSD code.

Ecobank - The Pan African Bank
Ecobank – The Pan African Bank

Have a fast and secure transfer to any account (either to an Eco bank account or to another bank account) using the Eco bank USSD code.

Dial *326# to get started

Checkout: Scholarship For African Entrepreneurs; Ecobank Fintech Challenge 2023

Sterling Bank
Sterling Bank
Sterling Bank

USSD code: *822#

Recharge for others -> 822Amount*MobileNo#

Recharge for yourself -> 822Amount#

Transfer to other bank accounts -> 8225AmountAccountNo#

Transfer to Sterling bank account -> 8224AmountAccountNo#

Wema Bank
Wema Bank Plc
Wema Bank Plc

USSD code: *945#

Top-up for self -> 945Amount#

top-up for others -> 945MobileNo*Amount#

Transfer to another Wema Bank account -> 945AccountNo*Amount#

Transfer to other bank accounts -> 945AccountNo*Amount#

Check account balance -> 9450#

Heritage Bank
Heritage Bank Plc.
Heritage Bank Plc.

USSD code:*745#

Enjoy fast and secure banking by dialling this code (*745#) now

Keystone Bank
Keystone Bank
Keystone Bank

USSD code: *7111#

Have a secure, fast and easy banking experience when you dial *7111#

Polaris Bank
Polaris Bank
Polaris Bank

USSD code: *833#

*833# is a trusted USSD code for transfer and other banking options for Polaris Bank Customers.

Stanbic IBTC Bank
Stanbic IBTC Bank
Stanbic IBTC Bank

USSD code: *909#

You will use this code for your fund transfer and other bank transactions.

Recommended: Checking Your BVN Online: How to Check Your BVN Both in your Banks and Mobile Network

The benefit of using USSD code for bank transactions

There are many gains or advantages of using USSD codes for bank transactions, which are;

  1. Unlimited access to financial services: you can perform any form of financial transaction at any time with the use of USSD codes
  2. No required Internet connection: when using USSD code, you are not required to have an Internet connection before you can perform your transactions, unlike Internet banking
  3. No bank stress: By running your bank transactions with USSD codes, you won’t go through the stress of waiting in a queue in the bank before you can carry out the transaction.
  4. It saves time: when time is an important factor, then using a USSD code is the best.
  5. Banking made easy: with USSD/transfer codes, you can easily pay bills, send or transfer money, check your account balance, etc.


With this USSD and transfer codes of all banks, you can transfer money, pay bills, Do airtime top-ups for yourself and others, check your balance and perform any other activity of your choice on your bank account.

Running these USSD codes requires no internet connection, so you don’t have to worry about that. Also, avoid disclosing your account details to others to enjoy safer and more secure banking.


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