USSD (Unstructured Supplementary Service Data) banking allows Nigerians to perform financial transactions quickly using their mobile phones without internet access. It is widely used for balance inquiries, fund transfers, airtime purchase, and bill payments. Below is a detailed list of USSD codes for Nigerian banks and their functions.
Full List of USSD Banking Codes for Nigerian Banks
Access USSD Banking (*901#)
- Airtime for Self:
*901*Amount# - Airtime for Others:
*901*Amount*Phone Number# - Account Opening:
*901*0# - Data Purchase:
*901*8# - Balance Enquiry:
*901*5# - Fund Transfer to Access Bank:
*901*1*Amount*Account Number# - Fund Transfer to Other Banks:
*901*2*Amount*Account Number# - Merchant Payment:
*901*3*Amount*Merchant Code# - Bill Payment:
*901*3# - OTP Generation:
*901*4*1#
Sterling Bank USSD Code (*822#)
- Airtime for Self:
*822*Amount# - Airtime for Others:
*822*Amount*Phone Number# - Account Opening:
*822*7# - Balance Enquiry:
*822*6# - Fund Transfer to Sterling Bank:
*822*4*Amount*Account Number# - Fund Transfer to Other Banks:
*822*5*Amount*Account Number# - Bill Payment:
*822*2# - Loan Request:
*822*8#
First Bank Transfer Code (*894#)
- Airtime for Self:
*894*Amount# - Airtime for Others:
*894*Amount*Phone Number# - Account Opening:
*894*0# - Balance Enquiry:
*894*00# - Fund Transfer to First Bank:
*894*1*Amount*Account Number# - Fund Transfer to Other Banks:
*894*2*Amount*Account Number# - Bill Payment:
*894*3#
FCMB USSD Bank Transfer Code (*329#)
- Airtime for Self:
*329*Amount# - Airtime for Others:
*329*Amount*Phone Number# - Account Opening:
*329*0# - Balance Enquiry:
*329*00# - Fund Transfer to FCMB:
*329*1*Amount*Account Number# - Fund Transfer to Other Banks:
*329*2*Amount*Account Number# - Bill Payment:
*329*3#
Polaris Bank Transfer Code (*833#)
- Airtime for Self:
*833*Amount# - Airtime for Others:
*833*Amount*Phone Number# - Account Opening:
*833*0# - Balance Enquiry:
*833*6# - Fund Transfer to Polaris Bank:
*833*1*Amount*Account Number# - Fund Transfer to Other Banks:
*833*2*Amount*Account Number# - Bill Payment:
*833*3#
Zenith Bank Transfer Code (*966#)
- Airtime for Self:
*966*Amount# - Airtime for Others:
*966*Amount*Phone Number# - Account Opening:
*966*0# - Balance Enquiry:
*966*00# - Fund Transfer to Zenith Bank:
*966*1*Amount*Account Number# - Fund Transfer to Other Banks:
*966*2*Amount*Account Number# - Bill Payment:
*966*3#
Wema Bank Transfer Code (*945#)
- Airtime for Self:
*945*Amount# - Airtime for Others:
*945*Amount*Phone Number# - Account Opening:
*945*1# - Balance Enquiry:
*945*0# - Fund Transfer to Wema Bank:
*945*1*Amount*Account Number# - Fund Transfer to Other Banks:
*945*2*Amount*Account Number# - Bill Payment:
*945*3#
Fidelity USSD Code for Transfer (*770#)
- Airtime for Self:
*770*Amount# - Airtime for Others:
*770*Amount*Phone Number# - Account Opening:
*770*0# - Balance Enquiry:
*770*00# - Fund Transfer to Fidelity Bank:
*770*1*Amount*Account Number# - Fund Transfer to Other Banks:
*770*2*Amount*Account Number# - Bill Payment:
*770*3#
Got it! Here’s the correct format with the * properly visible:
Diamond Bank USSD Code (426#)
- Airtime for Self: *426*Amount#
- Airtime for Others: *426*Amount*Phone Number#
- Account Opening: *426*0#
- Balance Enquiry: *426*00#
- Fund Transfer to Diamond Bank: *426*Amount*Account Number#
- Fund Transfer to Other Banks: *426*Amount*Account Number#
- Bill Payment: *426*2#
Ecobank USSD Code (326#)
- Airtime for Self: *326*Amount#
- Airtime for Others: *326*Amount*Phone Number#
- Account Opening: *326#
- Balance Enquiry: *326*0#
- Fund Transfer to Ecobank: *326*1*Amount*Account Number#
- Fund Transfer to Other Banks: *326*2*Amount*Account Number#
- Bill Payment: *326*3#
GTBank USSD Code (737#)
- Airtime for Self: *737*Amount#
- Airtime for Others: *737*Amount*Phone Number#
- Account Opening: *737*0#
- Balance Enquiry: *737*6#
- Fund Transfer to GTBank: *737*1*Amount*Account Number#
- Fund Transfer to Other Banks: *737*2*Amount*Account Number#
- Bill Payment: *737*3#
Heritage Bank USSD Code (322#)
- Airtime for Self: *322*Amount#
- Airtime for Others: *322*Amount*Phone Number#
- Account Opening: *322*1#
- Balance Enquiry: *322*2#
- Fund Transfer to Heritage Bank: *322*3*Amount*Account Number#
- Fund Transfer to Other Banks: *322*4*Amount*Account Number#
- Bill Payment: *322*5#
*Keystone Bank USSD Code (533#)
- Airtime for Self: *533*Amount#
- Airtime for Others: *533*Amount*Phone Number#
- Account Opening: *533*0#
- Balance Enquiry: *533*6#
- Fund Transfer to Keystone Bank: *533*1*Amount*Account Number#
- Fund Transfer to Other Banks: *533*2*Amount*Account Number#
- Bill Payment: *533*3#
Stanbic IBTC Bank USSD Code (909#)
- Airtime for Self: *909*Amount#
- Airtime for Others: *909*Amount*Phone Number#
- Account Opening: *909*1#
- Balance Enquiry: *909*2#
- Fund Transfer to Stanbic IBTC: *909*3*Amount*Account Number#
- Fund Transfer to Other Banks: *909*4*Amount*Account Number#
- Bill Payment: *909*5#
Now the * is properly displayed. Let me know if you need any modifications! 🚀
How to Use USSD Banking in Nigeria
- Dial the USSD code of your bank.
- Follow the on-screen prompts to select the desired transaction.
- Enter the required details (e.g., amount, recipient’s account number).
- Confirm the transaction with your USSD PIN or authentication method.
- You will receive a confirmation message upon successful completion.
Benefits of USSD Banking in Nigeria
- No internet required – Works on any mobile phone.
- 24/7 Accessibility – Transactions can be done anytime, anywhere.
- Fast & Secure – Instant processing with PIN authentication.
- Convenience – Eliminates the need to visit a bank branch.
Conclusion
USSD banking has made financial transactions easier for Nigerians by providing quick and secure services without needing internet access. With these codes, you can transfer money, buy airtime, check your balance, and pay bills with just a few keystrokes on your mobile phone.
Stay updated with the latest banking codes and enjoy seamless banking experiences!