Nigerian Banks' USSD Codes and Services

Nigeria Banks' Mobile banking USSD codes brings you the complete list of mobile Banking USSD code and services for all banks in Nigeria. Before we dive into the list of the easiest way of banking in Nigeria, let's familiarise ourselves with the terms.

What is USSD?

The Unstructured Supplementary Service Data (USSD) - is the most adopted mobile technology in the Nigeria financial ecosystem. Although several innovations have revolutionized the way we bank eg internet, smartphones and computers. USSD banking still remains one of the easiest and quickest ways to perform financial transactions in this part of the world as the service can be assessed by both smartphone and feature phone users with or without internet.

USSD codes are shortcodes that commonly starts with an asterisk/star (*) symbol, followed by three or more digits and ends with hash (#) symbol e.g. *326#. It is a real-time or instant messaging services similar to SMS with no store-and-forward capability like other short-messaging protocols. 

What can I do with my bank's USSD code?

Different  types of financial activities and transactions  can be done on this platform ranging from simple to complex like checking of account balance, buying airtime, transfers, bill payments and cardless withdrawals. 

How do I use my bank's transfer code?

When the user dials his/her bank's USSD code, e.g. *737# from a GSM mobile handset, a list of services is displayed, then user enter the digit for the service of interest and follow prompts till the transaction is completed. Some banks have quick strings for most frequently used services on the platform. e.g. Ecobank customers can dial *326*0# for balance enquiry; To transfer money from your Zenith Bank account to another, dial *966#Amount*Recipient’s Account Number# and follow the instructions on the screen. Most of these transactions can only be completed with a set pin which be your four digits card pin or six digits mobile pin which is different from your ATM card pin. Each USSD sessions lasts for about 20 seconds, for some banks, this session is free while some charges as low as N4 per session and others are based on the Mobile network customers use.

Transactions need to be completed in those 20 seconds after which the session ends or is terminated with a common error of "service timed out" and customer would need to start the transaction all over again to complete the transaction. This is why it is better to know your bank's quick strings for each transaction to save charges and time. 

Below are the Nigerain Banks' Mobile Banking USSD Codes in alphabetical order;
  1. Access Bank / Diamond Bank USSD Code — *901#
  2. EcoBank  — *326#
  3. Fidelity Bank — *770#
  4. First Bank — *894#
  5. First City Monument Bank (FCMB) — *329#
  6. Guaranty Trust Bank (GTB) — *737# (GTCO)
  7. Heritage Bank — *322#
  8. JAIZ Bank — *389#
  9. Keystone Bank — *7111# 
  10. Polaris Bank — *833#
  11. Stanbic IBTC Bank — *909#
  12. Sterling Bank — *822#
  13. United Bank for Africa (UBA) — *919#
  14. Union Bank — *826#
  15. Unity Bank — *7799#
  16. Wema Bank — *945#
  17. Zenith Bank — *966#
Note, Banks like Standard Chartered Bank, Providus Bank, TITAN TRUST Bank, CitiBank, TAJ Bank and Globus Bank don't have USSD code yet.

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