There is nothing more interesting than being able to perform all banking transactions from the comfort of our home at any time we want to without having to go to the bank. The introduction of the USSD codes by various banks in Nigeria with which customers can perform transactions like checking of their account balance, purchase of airtime, transfer of money from own account to another account within or outside the stated bank, and many more, have made customers who do not have internet access enjoy similar services that those enrolled for the internet banking have been enjoying.
Note that for you to be able to use the USSD code for your bank, you will need to have access to the particular SIM card which is linked to your account. If you don’t have access to the SIM card anymore, then all you need to do is go to the bank and change your mobile number and you’re good to go.
Basically, all USSD transactions require a PIN code (4 or 5 digits) which you are required to set on your first USSD transaction. It is highly advised that you use a PIN code that is easy to remember but difficult to manipulate by fraudsters and their likes. Below are the USSD codes for the various banks in Nigeria and how they are used;
Mobile Banking USSD Codes For Various Nigerian Banks:
Below are the USSD codes (highlighted as bold text) for the various Nigerian commercial banks;
Guaranty Trust Bank (GTBank):
To perform any type of transaction using your mobile phone without internet access, simply dial *737# and follow the instructions depending on the type of transaction you wish to carry out.
In other to be able to use the Diamond bank USSD code, you will have to register for the Diamond Yellow account which you can simply do by just dialing *710# and then follow the instructions. As at the time of this writing, you will be required to allow the bank use your SIM registration details so you manually do that yourself. Once you are done with the registration, you can then proceed to perform any of the transactions as you want by following the instructions.
Diamond bank has been taken over by Access bank. This means that you can also use the Access bank USSD code.
Fidelity bank’s USSD code is *770# and can be used to perform any transactions as long as the SIM card number is the one linked to your account. Remember that you need to set a PIN before you can be able perform any of the transactions in the options when you dial the USSD code.
One of the most interesting part about the Zenith bank USSD code is that just like the Diamond bank USSD code, you can use it to open an account with the bank. Simply dial *966# to get started and remember, this code can also be used to perform all major transaction available to all internet banking users.
First bank’s USSD code is *894# and can be used to perform any form of transactions directly from your mobile phone without the need to go to the bank or an ATM. Note that on your first use of the code, you might be required to enter your details before having full access to the transaction options.
Wema Bank USSD code is *322# and can be used to perform any type of transaction from transfer of money from own account to another account in or outside the bank, buying of airtime, paying of bills, and many more. Just dial the code and follow the on-screen instructions depending on the type of transaction you wish to perform.
To perform transactions from the comfort of your phone anytime anywhere, simply dial *822# to get started and then follow the on-screen prompts.
United Bank for Africa (UBA):
UBA happens to be the only bank that has its branches in virtually all locations in the country with the exception of some rural arears. To perform transactions without the stress of locating a bank or ATM, simply use the UBA USSD code which is *919# and then follow the instructions.
For transactions from your unity bank account, dial *389# and then follow the on-screen prompt.
Access bank USSD code is *901# which can be used to perform any basic transactions as offered by other banks. Remember that the SIM card number must be that linked to the Access bank before it can work.
First City Monument Bank (FCMB):
Performing transaction from your FCMB account can be very frustrating as a new user as you will be required to visit the bank or call customer care in order to activate it. The bank’s USSD code is *389# which can be used to perform transactions once you must have activated it for your account.
To perform transactions from your Ecobank account using your mobile phone, simply dial *326# and follow the on-screen prompts.
Dial *833# to perform transactions from your Skye bank account without having to visit the bank or an ATM.
The heritage bank USSD code is very easy to use and all you need to do to perform any transaction is dial *322*030# as long as the SIM card is the one linked to your account.
Keystone bank has two USSD codes depending on the network you are using. For GLO users, dial *805*082# and follow the on-screen prompt to register. If you use a different network other than GLO (i.e. MTN, Airtel and Etisalat), dial *322*082# to register and start using the code to perform transactions.
As at the time of this writing, Union bank does not have a USSD code. But you can perform some basic transaction by using their SMS banking text codes which you can read about at Union Bank SMS Banking.
Jaiz bank’s USSD code is *389*301# which when dialed, prompts you as a customer to provide some details before you can begin performing any transaction of your choosing.
Any Nigerian bank whose USSD code is not displayed here will be updated soon. Feel free to let us know if your bank’s USSD code is not among the ones listed above.