Banking and Finance

All Nigerian Banks USSD Codes for Mobile banking

Performing Bank transactions is now very easy, simple and faster with the introduction of USSD banking codes; now you can send money, check balance, open accounts, top-up or send airtime, pay bills, and lots more on any mobile device. All you need is just to punch in the correct USSD code of your bank and you are on the go!

The use of USSD banking codes is not limited to some specific devices; all features phones are eligible for this banking system, even the Nokia s40 series, and Ntel devices.

USSD banking style has made bank transactions more fun and easy but before you will be able to USE this system of banking, you must ensure that the mobile number you used in opening the bank account is the one present on the device you are using for this. For further enlightenment kindly contact your Bank Customer Support.

A Quick guide to using the USSD banking system

First: Punch in the correct USSD code for your bank in your phone dialer and hit the dial button

Second: Register and get a pin which you would enter to confirm and trigger every transaction.

Third: The minimum amount to be transacted is #1000, the maximum depends on your Bank. You can still contact them to increase yours.

Nigerian Banks USSD Codes for Mobile Banking

Access Bank PLC USSD Codes for mobile banking

Customers of Access bank can dial *907# and start banking right on their mobile devices.

How to open a new fresh account with Access bank using USSD codes:

Dial 9010# and follow the on-screen instructions to register a new account with access bank using your personal details or your BVN number; the account number and details will be sent to you via an SMS.

How to use:

Interbank transfers (from Access bank to another Access Bank account)

*901*1*AMOUNT*NUBAN Account Number# (e.g: *901*1*1000*1234512345#) then confirm the transaction(s) with your 4-digit PIN.

Transfer to other banks

*901*2*AMOUNT*NUBAN Account Number# (e.g *901*2*1000*1234512345#) and authenticate with the last 4-digits of your BVN.

for other transactions, simply dial *901# and choose your desired transaction by inputting the number code beside it.


Diamond Banks USSD Codes

The USSD code for diamond bank transactions is *426$, you just dial it and follow the on-screen popups to perform your desired transaction(s).

How to use:

Interbank transactions (Diamond bank to another diamond bank) – dial 426Amount*Account Number#

Diamond Bank offers the same code type for interbank transfers and transfers to other banks.


Eco Bank PLC USSD code

*326# is the USSD code for Eco Bank Mobile USSD banking.


FCMB – First City Monument Bank USSD code

FCMB has made it simple for its customers to perform lots of Bank transaction without visiting the banking hall, simply dial *329# and get on the go.

  • Quickly transfer funds by Dialing *329*Amount*Account number# and *329*00#  to check your account balance.
  • To reset your PIN, dial *329*0#


Fidelity Bank USSD Codes

Existing Fidelity bank customers should dial *770# to start transacting on their mobile devices without any internet connectivity.


First Bank PLC USSD Bank code

*894# is the magic banking code provided by First Bank to its customers, so they easily carry out basic banking operations without coming to queue up inside the banking hall.

The Codes

  • *894*Amount*Account Number# – to transfer funds to another first bank account or to other banks
  • *894*00# – to check account balance
  • *894*0# – to register as a new user, create or reset your 5-digit PIN.
  • for a mini-account statement, dial *894*AccountNumber#


GTB – Guaranty Trust Bank

Bank transactions just got better and easier for GTB customers, simply dial *737# to start banking.

Opening a new account with GTB?

Simply dial 7370# and follow the onscreen prompts. Details of the account created will be sent to you via SMS.


Heritage Bank PLC

Just dial 322030* and include the shortcode for the service you wish to perform. Visit any Heritage bank to request the shorts codes or contact their customer support. Below are some shortcodes:

How to Use:

  • For Transfers – dial *322*030*ACCOUNTNUMBER*AMOUNT#
  • Bill Payment – *322*030*BILLER ID *AMOUNT#.

Jaiz Bank

The system of mobile banking practiced by this bank is referred to as SMS banking; in this banking system, you perform bank transactions by sending specific SMS to 08055555700. Below are the SMS formats for Jaiz customers.

S/N Transaction Type SMS Format Sample Message
2 For Balance Enquiry BALANCE ACCTNO PIN BALANCE 0123456789 1234
3 Blocking of Account BLOCK ACCTNO PIN BLOCK 0123456789 1234
4 Last 5 Transactions TRANSACTIONS ACCTNO PIN TRANSACTIONS 0123456789 1234
8 Account Statement Request via Email STATEMENTREQUEST ACCTNO PIN STATEMENT 0123456789 1234
9 For Help HELP HELP

Skye Bank PLC USSD Codes

*833# is the code for Skye bank operators.


Stanbic IBTC Bank USSD codes


Sterling Bank USSD Codes

Existing Sterling Bank operators can now dial *822# to start banking easily and faster. You can perform lots of bank transactions with this code; simply follow the prompts and use the right number codes.


Union Bank of Nigeria

Irrespective of your mobile device, Union bank customers can now bank using specific codes. *826# is the magic code to bank faster if you are a Union Bank customer.


Unity Bank



Wema Bank USSD Codes

If you are a customer of WEMA bank, dial *945# to start using the USSD banking system. It requires no internet and works on all mobile devices.


Zenith Bank USSD Code – EazyBanking

Zenith bank nicknamed its USSD banking – “EazyBanking”. The code is *966#

How to use:

  • *966*0# to register or create a new Zenith bank account
  • *966*00# to check your bank account balance.
  • To reset your PIN, dial *966*60#
  • Paying for bills (DSTv and PHCN)? dial *966*7*amount*customer ID#

Simply dial *966# and follow the onscreen instruction for other transaction types.



These are the USSD codes for all Nigerian Banks of recent, this post will be updated when new banks come up with their own Banking codes or if changes occur to the current ones.

Feel free to draw our attention if you need assistance by commenting on this post.

Originally posted on August 7, 2018 @ 8:27 am

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Samuel Odamah

We wake up to new tech innovations. All I'm doing is trying to get acquainted with cutting-edge innovations, write about them, as well as deploy them in solving my everyday problems. Follow me on Twitter @fwesh_finnest for my daily updates on Tech, Bitcoin, marketing, etc.

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