The Central Bank of Nigeria (CBN) first introduced its cashless policy in January 2012, with an initial pilot taking place in Lagos, and later in Rivers, Anambra, Abia, Kano, Ogun and the Federal Capital Territory (FCT) in July 2013, before the policy was implemented nationwide on July 1st, 2014.
Over a decade, the cashless policy in Nigeria has resulted in the adoption of electronic payment systems and digital payment platforms, helping to deepen financial inclusion and leading the country to become a cashless society.
Commercial banks and fintech companies in Nigeria, on their part, have introduced ATM terminals, apps and websites, and POS terminals to encourage the adoption of the cashless policy. Most importantly, the use of Unstructured Supplementary Service Data (USSD) for banking transactions via mobile without the need for an internet connection, has been very useful in ensuring that the policy is implemented.
What is USSD Banking?
The term "Unstructured Supplementary Service Data" or USSD is a technology that has been present since the early 1990s that allows financial transactions to be performed using older mobile phones, feature phones, non-smartphones, and smartphones without internet access through a mobile service provider.
To use the USSD code for any bank transaction, you would need to activate the code on your mobile phone, using your phone number. Techloy's Tech Guide team have provided a full list of all the Nigerian bank's USSD codes to enable you to make quick electronic funds transactions.
Nigerian Banks | USSD Codes |
Access Bank | *901# |
ALAT Bank | *945# |
Ecobank | *326# |
Fidelity Bank | *770# |
FCMB | *329# |
First Bank | *894# |
GTBank | *737# |
Heritage Bank | *745# |
Keystone Bank | *7111# |
Polaris Bank | *833# |
Stanbic IBTC Bank | *909# |
Sterling Bank | *822# |
UBA | *919# |
Union Bank | *826# |
Unity Bank | *7799# |
Wema Bank | *945# |
Zenith Bank | *966# |
Kuda | *894# |
Opay | *955# |
Palmpay | *652# |
Vbank | *5037# |
Rubies | *7797# |
Eyowo | *4255# |
Nigerian Banks and Their Personalized USSD Transaction Codes
The following tables cover the 17 Nigerian Banks, fintech apps and their personalized transaction codes. You can use these codes to make interbank and interbank transfers, pay bills, check account balances, block or unblock your ATM cards, update BVN, and more.
Access Bank USSD Codes (*901#)
Transaction Type | USSD Banking Codes |
Open An Account/Change PIN/Registration | *901*0# |
Check Balance | *901*00# |
Airtime Top-Up for Self | *901*Amount# |
Airtime Top-Up for Others | *901*Amount*Phone Number# |
Transfer to Access Account | *901*1*AMOUNT*NUBAN Account Number# |
Transfer to Other banks | *901*2*AMOUNT*NUBAN Account Number# |
Pay bills | *901*3# |
Deactivate Account | *901*911# |
ALAT Bank USSD Codes (*945#)
Transaction Type | USSD Banking Codes |
Check balance | *945*0# |
Airtime Top-Up for Self | *945*Amount# |
Airtime Top-Up for Others | *945*phone Number*Amount# |
Transfer to ALAT Account | *945*Account Number*Amount# |
Transfer to Other banks | *945*Account Number*Amount# |
Ecobank USSD Codes (*326#)
Transaction Type | USSD Banking Codes |
Check Balance | *326*0# |
Airtime Top-Up for Self | *326*Amount# |
Airtime Top-Up for Others | *326*Amount*PhoneNumber# |
Transfer to Ecobank Account | *326# |
Transfer to Other banks | *326# |
Pay bills | *326# |
Fidelity Bank USSD Codes (*770#)
Transaction Type | USSD Banking Codes |
Check Balance | *770*0# |
Airtime Top-Up for Self | *770*AMOUNT# |
Airtime Top-Up for Others | *770*PHONE*AMOUNT# |
Transfer to Fidelity Account | *770*ACCOUNT*AMOUNT# |
Transfer to Other banks | *770*ACCOUNT*AMOUNT# |
Pay bills | *770# |
ATM cardless withdrawal | *770*8*AMOUNT# |
Change PIN | *770*00# |
Update BVN | *770*02# |
Block Card | *770*911# |
Block Phone from USSD Banking | *770*911*08012345678# |
Block Account from USSD Banking | *770*08012345678# |
Choose SMS and Email Alert | *770*2# |
FCMB USSD Codes (*329#)
Transaction Type | USSD Banking Codes |
Check Balance | *329*00# |
Airtime Top-Up for Self | *329*Amount# |
Airtime Top-Up for Others | *329*Amount*Mobile number# |
Transfer to FCMB Account/Others | *329*Amount*Account number# |
Reset PIN | *329*0# |
Buy Data | *329*1*Mobile Number# |
Pay bills (DSTv & GOTv) | 329*2*Amount*Smartcard Number# |
Pay Electricity Bill | *329*3*Amount*Meter No# or *329*3*Amount*AccountID# |
Block USSD Profile or Blocked Bank Account | *329*911# |
First Bank USSD Codes (*894#)
Transaction Type | USSD Banking Codes |
Register for First Bank USSD Banking | *894*0 |
Airtime Recharge for Self | *894*Amount# |
Airtime Recharge for Others | *894*Amount*Phone Number# |
For Transfer | *894*Amount*Account Number# |
Transfer to First Account/Other | *894*Amount*Account Number# |
For Mini-Statement | *894*Account Number# |
To Check Balance | *894*00# |
For Account Opening | *894*0# |
To Deactivate Your Mobile Number | *894*911# |
GTBank USSD Codes (*737#)
Transaction Type | USSD Banking Codes |
Open Account | *737*0# |
Reactivate Account | *737*11# |
Check balance/Account Number/BVN | *737*6*1# |
Airtime Top-Up for Self | *737*amount# |
Airtime Top-Up for Others | *737*Amount*Recipient’s number# |
Data Top-Up | *737*4# |
Transfer to GTBank Account | *737*1*Amount*NUBAN Account Number# |
Transfer to Other banks | *737*2*Amount*NUBAN Account Number# |
Create PIN | *737*5# |
Enquires | *737*6# |
Heritage Bank USSD Codes (*745#)
Transaction Type | USSD Banking Codes |
Registration With Card | *745*AccountNumber*Last6DigitOfCard# |
Registration Without Card | *745*AccountNumber# |
Balance Enquiry | *745*0# |
Change USSD PIN | *745*00# |
Funds Transfer (HB) | *745*1*Amount*AccountNumber# |
Funds Transfer (Interbank) | *745*2*Amount*AccountNumber# |
Airtime (Self) | *745*Amount# |
Airtime (Third Party) | *745*Amount*MobileNumber# |
Bet9ja Top-up | *745*222*Bet9jaUserID*Amount# |
Pay with USSD (on POS & Web) | *745*000*RefCode# |
LCC Payment | *745*000*522+etagNo+100# |
Block Account from any phone | *745*11# |
Keystone Bank USSD Codes (*7111#)
Transaction Type | USSD Banking Codes |
Registration | *7111*0# |
Check balance | *7111*1# |
Pay bills | *7111*2# |
Mobile Data | *7111*5# |
Check account balance | *7111*00# |
Recharge your phone | *7111*Amount# |
Recharge for others | *7111*Amount*Phone Number# |
Send Money | *7111*Amount*Nuban Account Number# |
Activate Debit Card: | *7111*9*123# |
Change default Top-up Account: | *7111*AcctNo# |
Panic Code | *7111*911# |
Polaris Bank USSD Codes (*833#)
Transaction Type | USSD Banking Codes |
Opening Account | *833*1# |
Check balance | *833*6# |
Airtime Top-Up for Self | *833*AMOUNT# |
Airtime Top-Up for Others | *833*AMOUNT*phonenumber# |
Transfer to Polaris Account/Others | *833*AMOUNT*accountnumber# |
Update BVN | *833*5# |
Pay With MasterPass | *833*7# |
Pay bills | *833*2# |
Stanbic IBTC Bank USSD Codes (*909#)
Transaction Type | USSD Banking Codes |
Check balance | *909*1*1# |
Airtime Top-Up for Self | *909*Amount# |
Airtime Top-Up for Others | *909*Amount*phone number# |
Transfer to Stanbic Account | *909*11*Amount*Account Number# |
Transfer to Other banks | *909*22*Amount*Account Number# |
Sterling Bank USSD Codes (*822#)
Transaction Type | USSD Banking Codes |
Register for USSD Service | 822*1*NUBAN# |
Check balance | *822*6# |
Check Account Number | *822*8# |
Airtime Top-Up for Self | *822*Amount# |
Airtime Top-Up for Others | *822*Amount*Phone Number# |
Transfer to Sterling Account | *822*4*Amount*Account Number# |
Transfer to Other banks | *822*5*Amount*Account Number# |
UBA USSD Codes (*919#)
Transaction Type | USSD Banking Code |
Check balance | *919*00# |
Airtime Top-Up for Self | *919*Amount# |
Airtime Top-Up for Others | *919* Phone number* Amount# |
Transfer to UBA Account | *919*3*account number*amount# |
Load UBA Prepaid Card | *919*32# |
Transfer to Other banks | *919*4*account number*amount# |
Pay bills | *919*5# |
ATM cardless withdrawal | *919*30*Amount# |
Union Bank USSD Codes (*826#)
Transaction Type | USSD Banking Codes |
Register | *826# |
Check balance | *826# |
Airtime Top-Up for Self | *826*amount# |
Airtime Top-Up for Others | *826*amount*recipient’s mobile no# |
Transfer to Union Account | *826*1*amount*account no# |
Transfer to Other banks | *826*2*amount*account no# |
Create PIN | *826*5# |
Unity Bank USSD Codes (*7799#)
Transaction Type | USSD Banking Codes |
Bet9ja Wallet funding | *7799*403*Bet9ja ID*amount# |
Self recharge | *7799*Amount# |
Third-party recharge | *7799*Phoneno*amount# |
Transfer to Unitybank | *7799*1*accountno*amount# |
Transfer to Other banks | *7799*2*accountno*amount# |
Balance enquiry | *7799*0# |
BVN verification | *7799*5# |
Block account | *7799*9*phone number# |
USSD on POS | *7799*000*RefID# |
Cardless withdrawal | *7799*8*Amount# |
Wema Bank USSD Codes (*945#)
Transaction Type | USSD Banking Codes |
Check balance | *945*0# |
Airtime Top-Up for Self | *945*Amount# |
Airtime Top-Up for Others | *945*phone Number*Amount# |
Transfer to Wema Account | *945*Account Number*Amount# |
Transfer to Other banks | *945*Account Number*Amount# |
Zenith Bank USSD Codes (*966#)
Transaction Type | USSD Banking Codes |
Opening Account | *966*0# |
Check balance | *966*00# |
Airtime Top-Up for Self/Others | *966*Amount*Mobile Number# |
Transfer to Zenith Account/Others | *966*Amount*Account Number# |
Update BVN | *966*BVN# |
Pay bills (DSTv and PHCN) | *966*7*Amount*Customer ID# |
Pay Zenith Billers | *966*6*Biller code*Amount# |
Reset USSD Password & PIN | *966*60# |
Deactivate Mobile Banking Profile | *966*20*0# |
Deactivate Account | *966*911# |
Block Card | *966*60# |
Other Self Service | *966*60# |
Opay USSD Codes (*955#)
Transaction Type | USSD Banking Codes |
Transfer to Opay Account/Other Banks | *955*1# |
Check balance | *955*4# |
Airtime Top-Up for Self/Others | *955*Amount*Mobile Number# |
Pay Bills | *955*3# |
Money Top-up | *955*5# |
Savings | *955*6# |
Withdrawal | *955*7# |
Request for Opay Card | *955*8# |
Referral code | *955*9# |
Activate e-pin | *955*10# |
Payment Status | *955*11# |
Manage Account | *955*13# |
VBank USSD Codes (*5037#)
Transaction Type | USSD Banking Codes |
Airtime (for Vbank Users) | *5037*1# |
Airtime (for external users) | *5037*Amount*Mobile Number# |
Data Top-Up for Self/Others | *5037*3# |
Transfer (for Vbank and External Users) | *5037*Amount*Account Number# |
Betting, Cable and External Bills | *5037*6# |
Check Balance | *5037*Next Page*1# |
Request for ATM Card | *5037*Next Page*4# |
Self Service | *5037*Next Page*5 |
Change Pin | *5037*Next Page*3# |
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