List of All Bank USSD Codes in Nigeria

In today’s fast-paced world, convenience is everything. Nobody wants to spend hours in a banking hall just to perform simple transactions like sending money, buying airtime, or checking an account balance. This is where USSD banking comes in.

In Nigeria, almost every commercial bank has introduced a USSD code that allows customers to carry out financial transactions right from their mobile phones, without the need for internet access. These codes work on both smartphones and basic phones, making them accessible to everyone.

Whether you’re trying to transfer funds, recharge airtime, pay bills, or open a new account, USSD codes make banking as easy as dialing a few numbers. In this article, we’ll provide a comprehensive list of all bank USSD codes in Nigeria, explain how they work, and highlight the benefits of using them.

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What Is a USSD Code?

USSD stands for Unstructured Supplementary Service Data. It is a short code (usually starting with * and ending with #) that enables communication between your mobile device and your bank’s server.

When you dial a bank’s USSD code, a simple menu appears on your phone screen. From there, you can:

• Transfer money
• Buy airtime and data
• Pay bills (electricity, DSTV, GOTV, etc.)
• Check your account balance
• Open a bank account
• Apply for loans (with some banks)

The beauty of USSD codes is that they work without internet connection. All you need is a registered SIM card and the phone number linked to your bank account.

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Benefits of Using Bank USSD Codes

1. No Internet Required – You don’t need data or Wi-Fi.
2. Fast and Convenient – Transactions are completed within seconds.
3. Available Anytime, Anywhere – Works 24/7, even at night or in remote areas.
4. Compatible with Any Phone – Both smartphones and basic feature phones can use it.
5. Secure – Each transaction requires your PIN or password.

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Full List of All Bank USSD Codes in Nigeria

Here’s a breakdown of every Nigerian bank and their official USSD codes:

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1. Access Bank

• USSD Code: *901#
• Functions: Airtime purchase, transfers, balance inquiry, bill payments, account opening, loan applications.

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2. Zenith Bank

• USSD Code: *966#
• Functions: Transfers, airtime, bill payments, balance check, account management.

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3. First Bank of Nigeria

• USSD Code: *894#
• Functions: Balance inquiry, transfers, airtime/data recharge, bill payments, mini statement.

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4. United Bank for Africa (UBA)

• USSD Code: *919#
• Functions: Transfers, airtime top-up, bill payments, account opening, check balance, loans.

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5. Guaranty Trust Bank (GTBank or GTCO)

• USSD Code: *737#
• Functions: Fund transfers, airtime, data, bill payments, account management, loans.

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6. Fidelity Bank

• USSD Code: *770#
• Functions: Transfers, airtime, bills, balance inquiry, account opening.

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7. Polaris Bank

• USSD Code: *833#
• Functions: Fund transfer, airtime, bills, account services.

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8. Wema Bank (ALAT)

• USSD Code: *945#
• Functions: Transfers, airtime recharge, balance, bill payments, account management.

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9. Ecobank

• USSD Code: *326#
• Functions: Airtime recharge, fund transfers, bill payments, account management.

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10. Union Bank

• USSD Code: *826#
• Functions: Account balance, transfers, airtime, bill payments, account opening.

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11. Stanbic IBTC Bank

• USSD Code: *909#
• Functions: Transfers, airtime recharge, bill payments, balance inquiry, loans.

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12. Sterling Bank

• USSD Code: *822#
• Functions: Transfers, airtime recharge, bills, account management.

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13. Jaiz Bank

• USSD Code: *773#
• Functions: Fund transfers, airtime, balance, bills.

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14. Heritage Bank

• USSD Code: *745#
• Functions: Transfers, airtime, bills, balance inquiry.

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15. Keystone Bank

• USSD Code: *7111#
• Functions: Fund transfers, airtime, balance check, account management.

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16. Unity Bank

• USSD Code: *7799#
• Functions: Airtime recharge, transfers, bill payments, account services.

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17. Globus Bank

• USSD Code: *989#
• Functions: Transfers, airtime recharge, balance, bills.

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18. Standard Chartered Bank Nigeria

• USSD Code: *977#
• Functions: Airtime, transfers, account services, balance inquiry.

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19. Titan Trust Bank

• USSD Code: *922#
• Functions: Transfers, airtime, bills, account management.

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20. Providus Bank

• USSD Code: *594#
• Functions: Transfers, airtime, bills, account management.

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How to Use Bank USSD Codes

Using USSD codes is simple. Here’s how to get started:

1. Dial the Code – On your mobile phone, dial your bank’s USSD code (e.g., *737# for GTBank).
2. Register/Activate – The first time you use it, you’ll be asked to create a transaction PIN (usually 4–6 digits).
3. Select Transaction Type – From the menu, choose whether you want to transfer money, buy airtime, or check balance.
4. Follow Prompts – Enter recipient account number, amount, and confirm with your PIN.
5. Transaction Confirmation – You’ll receive an SMS confirming your transaction.

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Safety Tips for Using USSD Codes

While USSD banking is convenient, you must stay safe:

1. Keep Your PIN Secret – Never share your USSD PIN with anyone.
2. Use Your Registered SIM Only – Always perform transactions from the number linked to your account.
3. Avoid Public Wi-Fi or Shared Phones – If you must, clear your USSD session.
4. Beware of Scams – Banks will never ask for your PIN via phone call or SMS.
5. Report Issues Immediately – If you suspect fraud, contact your bank’s customer service quickly.

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Common Challenges with USSD Banking

1. Network Errors – Sometimes, poor mobile network can interrupt transactions.
2. Daily Transfer Limits – Most banks restrict daily transfers via USSD (usually between ₦20,000 and ₦100,000).
3. Service Charges – Some transactions may attract small fees.
4. SIM Restrictions – Only the SIM registered with your bank can be used.

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Final Thoughts

USSD codes have completely transformed banking in Nigeria. With just a short code, you can send money, recharge airtime, pay bills, and check your account balance—all without internet access. This innovation is especially helpful in rural areas where smartphones and internet connections are limited.

From *901# for Access Bank to *737# for GTBank and *894# for First Bank, every Nigerian bank has adopted USSD to make financial services more accessible.

If you haven’t activated your bank’s USSD code yet, now is the time to do so. It saves time, reduces stress, and gives you control over your banking anytime, anywhere.