Technology has evolved so much over the years, and the banking industry is not left behind in the movement. Various software have been developed to make the banking process easier and faster for customers. The introduction of mobile banking and internet banking are some of those things that have made the banking process easier for Nigerians. With mobile banking came USSD codes to make it easier to carry out transactions.
At the moment, the USSD service is one of the best introductions to various industries. This is the service that you use to check your account balance on the various mobile networks. It simply involves dialling a code. Now, in the banking sector, the introduction of USSD means that you can now pay your bills, make transfers, recharge your phone, and do other transactions, simply by dialling a shortcode on your phone. These USSD codes are also called Quick Codes.
The *737# model from GTB was about the first to get very popular in Nigeria. But now, almost all banks in Nigeria have their special USSD codes. You can now open an account, check your balance, and make money transfers on the go.
The advantage that this service has over internet banking is that it does not require the internet to work. So, even if you are short of data, you can still carry out banking transactions. The caveat is that you can only use the SIM card or mobile number associated with your bank account for USSD transactions. So, if you ever lose the SIM card, you have to go to the bank to change your mobile number.
As a security measure when using USSD codes for banking transactions in Nigeria, you must have a PIN code. This is to prevent other people from using your phone for transactions without your consent. The first time you try to do a USSD transaction, you are typically asked to set a PIN code.
List of the USSD codes for all Nigerian Commercial Banks.
A number of Nigerians refer to these codes as transfer codes. So, here is a list of the transfer codes for Nigerian Banks.
Access Bank USSD Code
The USSD code for Access Bank is *901#. So, if you are banking with Access Bank, all you have to do is dial *901# and follow the instructions to use the bank’s USSD service.
Diamond Bank USSD Code
The USSD code for Diamond Bank is *710#.
If you wish to transfer money from your Diamond Bank account to another Diamond Bank account, dial *710*710*Recipient’s Account Number*Amount*PIN#.
For a transfer from your Diamond Bank account to another bank, dial *710*777*Recipient’s Account Number*Amount*PIN# for Y’ello account holders.
Ecobank USSD Code
The USSD code for Ecobank is *326#.
After dialling *326# on your associated mobile number, simply follow the on-screen instructions to carry out your transactions. Ecobank’s USSD code supports bill payment, instant transfer, and airtime purchase.
First Bank USSD Code
The USSD code for First Bank is *894#.
This bank is currently one of the best banks in Nigeria in terms of electronic banking services. When you dial *894#, a list of options will come up for the various transactions supported. You can use this service to transfer money, make purchases, pay bills, buy airtime, and many more. Simply follow the instructions.
Fidelity Bank USSD Code
The USSD code for Fidelity Bank is *770#.
After dialling the code, simply follow the instructions. To make transfers to other banks, simply dial *770*Recipient’s Account Number*Amount#. The maximum transfer allowed per day using this service is 20,000 Naira.
First City Monument Bank (FCMB) USSD Code
The FCMB USSD code is *389#.
Before you are permitted to use the FCMB recharge code or FCMB shortcode, you must visit any FCMB branch or call their customer care to get your PIN. When this is in place, simply dial *389# and follow the instructions.
Guaranty Trust Bank (GTB) USSD Code
The USSD code for GTB is *737#.
GTB was the first bank in Nigeria to introduce the USSD banking. The bank’s code *737# is quite straightforward to use. All you have to do is follow the instructions after dialling the code.
To transfer money from your GTB account to another GTB account, simply dial *737*1*Amount*Recipient’s account number#.
To transfer money from your GTB account to another bank, dial *737*2*Amount*Recipient’s account number#.
Heritage Bank USSD Code
The USSD code for Heritage Bank is simply *322#. Dial this code and follow the on-screen instructions.
Keystone Bank USSD Code
The USSD code for Keystone Bank is *7111#. After dialling the code, follow the instructions to start carrying out your transactions.
Skye Bank USSD Code
The USSD code for Skye Bank is *833#.
To transfer money, dial *833*Amount*Account Number# and follow the on-screen prompts. You can also transfer funds by dialling *833*3#.
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Stanbic IBTC USSD Code
The USSD code for Stanbic IBTC Bank is *909#. Simply dial the code and follow the instructions.
Sterling Bank USSD Code
The USSD code for Sterling Bank’s mobile banking is *822#. To perform a transaction, dial *822# and follow the instructions.
Union Bank USSD Code
The USSD code for Union Bank’s mobile banking is *826#.
To transfer money from your Union Bank account, just dial *826*1*amount*Account Number#.
United Bank for Africa (UBA) USSD Code
The USSD code for UBA is *919#. This code allows you to open a UBA account, transfer money, buy airtime and pay bills. To use this service, you must use the mobile number associated with your UBA account.
Unity Bank USSD Code
The USSD code for Unity Bank is *7799#.
Unity Bank was the first to introduce the four-digit USSD banking code in Nigeria. The code allows customers to make transfers and buy airtime. All you have to do is dial *7799# and follow the instructions.
Wema Bank USSD Code
The USSD code for Wema Bank is *945#.
Once you dial the code, you get options to open an account, check your balance, transfer money, pay bills, buy airtime, etc. Simply follow the instructions to do whatever transaction you want.
Zenith Bank USSD Code
The USSD code for Zenith Bank is *966#. Once you dial the code, you get the options to open an account, check balance, buy airtime, transfer funds, pay bills, etc. Simply select the number which carries the option you want, and follow the instructions.
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USSD codes for Nigerian banks have made life very easy for Nigerians. So, you no longer have to join the long queues in banking halls just to send money to your loved ones. You no longer have to worry about how to get airtime in the middle of the night. Now, you can simply do all these from the comfort of your mobile phone using USSD codes.
Share this information with others to make them enjoy the ease of USSD code banking in Nigeria.
Author: Vincent Abolarin
Vincent is a Nigerian blogger with special interest in the history and current happenings in the country. When he is not blogging, he enjoys reading and playing computer games.