USSD Banking – Full List Of Transfer Codes For Different Banks In Nigeria

Have you been looking for USSD transfer codes for your bank to make transfers in Nigeria?. Then you can find that here. 

The world is changing, and everything is going digital, including the banking system in Nigeria. This explains the reason I’ve not been to the bank for the past 2 years, because I transact with either USSD transfer codes or Nigerian Internet Banking Services.

Currently, it is very easy to carry out transactions on mobile devices without having to go to the bank. I understand the question in your mind, Yes! You can even use torchlight phones to carry out USSD transactions. So, you don’t necessarily need an internet service for USSD transfers.

You can easily make transfers, pay your bills, apply for loans, open a bank account, and recharge your phone from anywhere in Nigeria without stress.

Unlike the mobile banking app (internet banking services), to use a USSD code, you don’t necessarily need an internet connection. And that’s why it is called unstructured supplementary service data.

USSD is a short code that starts with an asterisk symbol, I.e (star *) and ends with a hash symbol (#). When you type it in, it brings up a drop-down of several options that you might need to choose from. To reduce the timeout, you must respond quickly to the options provided.

Here is the full list of banks in Nigeria and their USSD code for bank transfers and other services.

USSD Transfer codes for all banks in Nigeria:

They include the following;

1. Access bank *901#
2. Ecobank *326#
3. First bank *894#
4. Fidelity *770#
5. FCMB *329#
6. Guaranty trust bank *737#
7. Heritage bank *322*00#
8. JAIZ Bank *389*301#
9. Keystone Bank *7111#
10. Polaris bank *833#
11. Stanbic IBTC Bank *909#
12. Sterling bank *822#
13. United Bank of Africa *919#
14. Union bank *826#
15. Unity bank *7799#
16. Wema bank *945#
17. Zenith *966#

Now I will show you how to use some of this codes for your transactions

ACCESS BANK

For Access Bank, the transfer code is 901, and it can be used for the following USSD banking transactions.

*901* Amount# is used to buy airtime for self

*901* phone number# is used to buy airtime for other people

*901*0# is used for opening an account

*901*8# is used to buy data

*901*5# is used for balance enquiry

*901*1*Amount*Account number# is for sending money to another Access Bank

*901*2*Amount*Account number# for sending money to other banks

*901*3*Amount*Merchant Code# for merchant payment

*901*3# is used for bill payment

*901*4*1# is used for OTP Generation

STERLING BANK

For Sterling Bank, the USSD transfer code is *822#. You can use this USSD banking transfer code for your daily transactions.

*822*Amount# is used to buy airtime for self

*822*Amount* phone number# is used to buy airtime for others

*822*4*Amount* Account number# is used to transfer to another sterling bank account

*822*5*Amount*account number# is used to transfer to other banks

*822*6# is used for checking account balance

*822*7# is used to open an account

*822*9# is used to reset your PIN

FIRST BANK

As a First Bank customer, you can easily make your USSD transactions using their transfer code on your mobile phone. The official USSD code for First Bank is *894#. You can use this code for the following transactions.

To open an account, you dial *894*0#

To buy airtime for yourself, you dial *894* Amount #

To buy airtime for others, you dial *894* Amount* phone number#

To make transfers, you dial *894*Amount*Account number#

To check your account balance, you dial *894*00#

To generate a mini statement, you dial *894* Account number#

FCMB( First City Monument Bank)

 The official USSD code for FCMB for transactions is *329#. This code can be used to complete the following transactions.

*329* Amount # is used to top up airtime for self

 * 329*329*Amount* phone number # is used to top up for others

*329* Amount* Account number# is used to transfer money

*329*00# is used to check your account balance

*329*0# is used to reset pin

*329*1* phone number # is used to subscribe to data

To pay for your DSTV or GOTV subscription, you dial *329*2*Smart-card number#

POLARIS BANK

For Polaris Bank, you make your transactions from anywhere in Nigeria just using their transfer code which is *833#.  This USSD code makes your banking very easy.  To enjoy this, you need to register or open an account with them

*833*1# is used to open an account

*833*2# is used to pay bills

*833*Amount*Account number# is used to make transfers

*833*6# is used to check balance

*833*Amount# is used to buy airtime

*833*Amount*phone number# is used to buy airtime for others

ZENITH BANK

Zenith Bank also have a USSD transfer code that is used for USSD transactions. They include the following.

*966*0# is used to open an account with Zenith Bank

*966*00# is used to check account balance

*966*Amount*phone number# is used to buy airtime

*966*Amount* Account number# is used to make transfers

* 966*BVN#  is used to update BVN

*966*60# is used to reset pin

*966*20*0# is used to deactivate mobile banking

*966*7*Amount*Customer ID# is used for DSTV and PHCN subscription

You might have questions like;

1. What Are Customer Care Numbers

Customer care numbers are contacts, email addresses, and social media handles that you can use to lodge complaints and queries that you encounter while doing your bank transactions through the app or the website.

2. What Are Swift Codes

Swift codes are digits used to identify a bank when sending money across national borders.  It is also known as BIC.

 These codes ensure that transactions carried out from one country to another in different currencies are secure.

3. What Are Bank Sort Codes

Bank sort codes are used to identify the location and branch of financial institutions. The sort code tells the branch where a bank belongs in a particular state.

Two banks cannot use the same sort code; each bank has its own unique code

Conclusion

Now that you know the different USSD and transfer codes of different banks in Nigeria. It is important for you to note that to enjoy your banking experience, you need to register with this bank and know how it works.

Getting the customer care number and email address will make your banking experience much easier.