In Nigeria, Unstructured Supplementary Service Data (USSD) has emerged as a reliable and accessible way to perform key banking and payment transactions without needing a smartphone or internet access. Whether it’s opening an account, transferring money, or checking your balance, USSD provides a quick, secure, and user-friendly option compatible with any mobile phone.
Below is a detailed list of essential USSD codes provided by major banks and select fintech platforms across the country. Please note that these codes generally require the use of the mobile number registered with your bank or fintech provider. Additionally, some newer fintech companies may operate exclusively through mobile apps or web platforms and may not offer USSD services.
USSD Codes for Traditional Nigerian Banks
Below is a list of USSD codes for major Nigerian banks. To use any of the services, simply dial the appropriate code on your mobile device and follow the on-screen instructions. You may be required to set up or input a security PIN before proceeding with transactions.
- Access Bank
- Code:
*901# - Services: Open an account, check balance, buy airtime, transfer funds, pay bills.
- Code:
- GTBank (Guaranty Trust Bank)
- Code:
*737# - Services: Transfers, bill payments, airtime top-up, account setup, balance check.
- Code:
- Zenith Bank
- Code:
*966# - Services: Balance inquiry, funds transfer, airtime recharge, open account, bill payments.
- Code:
- First Bank of Nigeria
- Code:
*894# - Services: Send money, buy airtime, pay bills, check BVN, view mini statements.
- Code:
- United Bank for Africa (UBA)
- Code:
*919# - Services: Transfers, airtime purchase, bill payments, account creation.
- Code:
- Fidelity Bank
- Code:
*770# - Services: Send money, check balance, recharge airtime, open account.
- Code:
- FCMB (First City Monument Bank)
- Code:
*329# - Services: Fund transfers, balance inquiry, airtime and data purchases.
- Code:
- Union Bank
- Code:
*826# - Services: Transfer funds, check balance, recharge airtime, set up account.
- Code:
- Sterling Bank
- Code:
*822# - Services: Money transfer, balance check, airtime recharge, bill payments.
- Code:
- Wema Bank
- Code:
*945# - Services: Transfer funds, view balance, pay bills, open account.
- Polaris Bank
- Code:
*833# - Services: Balance check, money transfers, bill payments, airtime purchase.
- Ecobank
- Code:
*326# - Services: Send money, check account balance, airtime recharge, open account.
USSD Codes for Nigerian Fintech Platforms
While most Nigerian fintech companies focus on mobile app services—such as budgeting, virtual cards, and instant loans—some also offer USSD codes for users with limited internet access. Here are a few examples:
(You may continue the list from here if you have specific fintechs in mind.)
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