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Nigeria Banks Ussd Codes: A Complete Mobile Banking Guide

In today’s fast-paced world, mobile banking has become a necessity for seamless financial transactions. For many Nigerians, USSD banking codes provide a quick, reliable, and cost-effective way to manage finances without needing an internet connection or a smartphone. Whether you're transferring funds, paying bills, or checking your account balance, USSD codes simplify banking services and bring convenience right to your fingertips.

This guide offers a comprehensive overview of Nigeria's top banks and their USSD banking codes, helping you make the most of mobile banking services.

 

What is USSD Banking?

USSD (Unstructured Supplementary Service Data) banking is a mobile communication protocol that allows users to interact with their bank accounts using simple shortcodes. These codes are accessible on any mobile phone and do not require internet connectivity, making them ideal for users in rural areas or places with limited internet access.

With USSD banking, you can perform a variety of transactions, including:

Checking account balances.

Transferring funds to other accounts (same bank or different banks).

Buying airtime and data.

Paying utility bills.

Opening new accounts.

Accessing loan services.

 

Complete List of Nigerian Banks and Their USSD Codes

Here’s a breakdown of the USSD codes for major banks in Nigeria and the services they provide:

1. Access Bank

USSD Code: *901#

Services:

Check balance: Dial 9015#.

Transfer money: Dial 9011AmountAccount Number#.

Buy airtime: Dial 901Amount#.

Open an account: Dial 9010#.

 

2. First Bank of Nigeria (FBN)

USSD Code: *894#

Services:

Check balance: Dial 89400#.

Transfer money: Dial 894Amount*Account Number#.

Buy airtime: Dial 894Amount#.

Mini-statement: Dial 894Account Number#.

 

3. United Bank for Africa (UBA)

USSD Code: *919#

Services:

Check balance: Dial 91900#.

Transfer money: Dial 9194AmountAccount Number#.

Buy airtime: Dial 919Amount#.

Open an account: Dial 91920#.

 

4. Zenith Bank

USSD Code: *966#

Services:

Check balance: Dial 96600#.

Transfer money: Dial 966Amount*Account Number#.

Buy airtime: Dial 966Amount#.

Block account: Dial 966911#.

 

5. GTBank (Guaranty Trust Bank)

USSD Code: *737#

Services:

Check balance: Dial 7376*1#.

Transfer money: Dial 7371AmountAccount Number#.

Buy airtime: Dial 737Amount#.

Loan services: Dial 73751*51#.

 

6. Fidelity Bank

USSD Code: *770#

Services:

Check balance: Dial 7700#.

Transfer money: Dial 770Account Number*Amount#.

Buy airtime: Dial 770Amount#.

Retrieve BVN: Dial 7708#.

 

7. EcoBank

USSD Code: *326#

Services:

Check balance: Dial 3260#.

Transfer money: Dial 326Amount*Account Number#.

Buy airtime: Dial 326Amount#.

 

8. Stanbic IBTC Bank

USSD Code: *909#

Services:

Check balance: Dial 9091*1#.

Transfer money: Dial 90922AmountAccount Number#.

Buy airtime: Dial 909Amount#.

 

9. Polaris Bank

USSD Code: *833#

Services:

Check balance: Dial 8336#.

Transfer money: Dial 833Amount*Account Number#.

Buy airtime: Dial 833Amount#.

Open an account: Dial 8331#.

 

10. Union Bank

USSD Code: *826#

Services:

Check balance: Dial 8264#.

Transfer money: Dial 8262AmountAccount Number#.

Buy airtime: Dial 826Amount#.

Block account: Dial 8265#.

 

11. Wema Bank (ALAT)

USSD Code: *945#

Services:

Check balance: Dial 9450#.

Transfer money: Dial 945Amount*Account Number#.

Buy airtime: Dial 945Amount#.

Block account: Dial 945911#.

 

12. Keystone Bank

USSD Code: *7111#

Services:

Check balance: Dial 71111#.

Transfer money: Dial 7111Amount*Account Number#.

Buy airtime: Dial 7111Amount#.

 

How to Activate USSD Banking

To use USSD banking services, follow these simple steps:

1. Dial your bank’s USSD code.

2. Register your phone number with your bank account.

3. Create a PIN for secure transactions.

4. Start accessing services immediately.

Note: Ensure the phone number you use is linked to your bank account for successful registration.

 

Benefits of USSD Banking

Convenience: Perform transactions anytime, anywhere.

No Internet Required: Perfect for users with limited or no access to internet services.

Cost-Effective: Most transactions are free or come with minimal charges.

Fast and Secure: Transactions are completed within seconds and are PIN-protected.

Accessibility: Works on all types of mobile phones, including feature phones.

 

Tips for Safe USSD Banking

1. Keep Your PIN Private: Never share your USSD PIN with anyone.

2. Avoid Public Wi-Fi: Though USSD doesn’t require the internet, avoid accessing sensitive information in public areas.

3. Report Lost SIM Cards Immediately: Notify your bank if your SIM card is lost or stolen.

4. Verify Transactions: Double-check account numbers and amounts before confirming transactions.

 

Conclusion

USSD banking has revolutionized how Nigerians access financial services, bridging the gap between urban and rural areas. B

y using the codes listed in this guide, you can enjoy seamless banking experiences without the need for physical visits to bank branches or internet connections.

Embrace the power of mobile banking today and take full control of your finances with just a few taps on your phone.

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Magnusbau George

I'm are a kind and caring individual who genuinely values people, always ready to offer support and encouragement. My business-minded nature drives you to seek growth and success, turning ideas into opportunities. Outspoken and confident, I boldly express my thoughts, standing firm in my beliefs while inspiring those around me with my strength and determination.

 

 


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