Complete List of All Bank USSD Codes in Nigeria (USSD / Mobile Banking) [2023 GUIDE]

Complete List of All Bank USSD Codes in Nigeria (USSD / Mobile Banking) [2023 GUIDE]

Banking in Nigeria has come a long way in recent years with the introduction of mobile banking and USSD codes. Mobile banking has made it easier for customers to access banking services, especially those who do not have internet or do not want to use banking applications.

The USSD Code has revolutionized mobile banking in Nigeria, making it more accessible and inclusive for more people.

In this article, we will provide a comprehensive list of all USSD bank codes in Nigeria, and also discuss the benefits of mobile banking and USSD codes for customers.

Benefits of Mobile Banking and USSD Code for customers

• Convenience:

Mobile banking and USSD codes allow customers to easily access banking services from anywhere at any time.

• Accessibility:

Mobile banking and USSD codes are accessible to more people, including those in rural areas without access to bank branches or internet facilities.

• Speed:

Mobile banking and USSD tokens provide faster transaction processing times than traditional banking methods.

• Protection:

Mobile banking and USSD tokens are secure, with encryption and other security measures in place to protect customer information and transactions.

• Fee reduction:

Mobile banking and USSD codes offer lower transaction fees than traditional banking methods.

List of all bank USSD codes in Nigeria

• Access the USSD bank code:

Access Bank has the following USSD codes:

• Checking account balance: *901*5#  
• Funds transfer to Access Bank:* 901*1*Amount*Account Number#
• Funds transfer to other banks:*901*2*Amount*Account Number#
• Airtime purchase: *901*Amount#
• Bill payment: *901*3*Amount Service ID#

• Ecobank USSD Codes:

 Ecobank has the following USSD codes:

• Checking account balance: *326#
• Funds transfer to Ecobank: *326*Amount*Account Number#
• Funds transfer to other banks: *326*Amount*Account Number#
• Airtime purchase: *326*Amount#
• Bill payment: *326*Amount*Service ID#

• Fidelity Bank USSD Codes:

 Fidelity Bank has the following USSD codes:

• Checking account balance:* 770*0#
• Funds transfer to Fidelity Bank: *770*Account Number*Amount#
• Funds transfer to other banks:* 770*Account Number*Amount#
• Airtime purchase: *770*Amount#
• Bill payment: *770*Code*Amount#

• First Bank USSD Codes:

 First Bank has the following USSD codes:

• Checking account balance: *894*0*0#
• Funds transfer to First Bank: *894*Amount*Account Number#
• Funds transfer to other banks: *894*Amount*Account Number#
• Airtime purchase: *894*Amount#
• Bill payment: *894*Amount*Service ID#

• GTBank USSD Codes:

 GTBank has the following USSD codes:

• Checking account balance: *737*6#
• Funds transfer to GTBank: *737*1*Amount* Account Number#
• Funds transfer to other banks: *737*2*Amount* Account Number#
• Airtime purchase: *737*Amount#
• Bill payment: *737*5*0*Amount *Service ID#

• Heritage Bank USSD Codes:

 Heritage Bank has the following USSD codes:

• Checking account balance: *322*030#
• Funds transfer to Heritage Bank: *322*030*Account Number* Amount#
• Funds transfer to other banks:*322*030*Account Number* Amount#
• Airtime purchase: *322*030*Amount#
• Bill payment: *322*030*Service ID *Amount#

• Keystone Bank USSD Codes:

 Keystone Bank has the following USSD codes:

• Checking account balance: *711*1#
• Funds transfer to Keystone Bank: *711*1*Amount* Account Number#
• Funds transfer to other banks: *711*1*Amount *Account Number#
• Airtime purchase:* 711*1*Amount#
• Bill payment: *711*1*Code* Amount#

1. Stanbic IBTC USSD Codes:

 Stanbic IBTC has the following USSD codes:

• Checking account balance:*909#
• Funds transfer to Stanbic IBTC: *909*Amount* Account Number#
• Funds transfer to other banks:*909*Amount* Account Number#
• Airtime purchase:*909*Amount#
• Bill payment: *909*Amount* Service ID#

• Sterling Bank USSD Codes:

Sterling Bank has the following USSD codes:

• Checking account balance: *822#
• Funds transfer to Sterling Bank: *822*Amount* Account Number#
• Funds transfer to other banks: *822*Amount* Account Number#
• Airtime purchase: *822*Amount#
• Bill payment: *822*Amount* Service ID#

How to Use USSD Codes for Mobile Banking

Using USSD codes for mobile banking is very simple and easy.

 Here are the steps to follow:

Step 1

 Dial the USSD code for your bank using the phone number you registered with the bank.

Step 2

 Select the option for the service you want to use, such as checking your account balance, transferring funds, or buying airtime.

Step 3

 Follow the prompts on the screen to provide the necessary information, such as the amount you want to transfer or the phone number you want to recharge.

Step 4

 Confirm the details of your transaction and enter your PIN or password to authorize the transaction.

Step 5

 Wait for the transaction to be processed and you will receive a confirmation message on your phone.

It’s important to note that some USSD codes may have specific requirements or limitations depending on the bank and the type of transaction you want to carry out. Make sure to check your bank’s website or contact their customer service for more information on using their USSD codes for mobile banking.

Step-by-Step Guide on How to Register for Mobile Banking and USSD Codes with Different Banks in Nigeria

The registration process for mobile banking and USSD codes may differ slightly depending on the bank. However, here is a general guide on how to register for mobile banking and USSD codes with different banks in Nigeria:

How To register for mobile banking and USSD codes with Access Bank

Follow these steps:

• Dial *901# on your registered mobile phone number
• Select the “Register” option
• Follow the prompts to complete the registration process

How To register for mobile banking and USSD codes with Ecobank

Follow these steps:

• Dial *326# on your registered mobile phone number
• Follow the prompts to complete the registration process

How To register for mobile banking and USSD codes with Fidelity Bank

Follow these steps:

• Dial *770# on your registered mobile phone number
• Follow the prompts to complete the registration process

How To register for mobile banking and USSD codes with First Bank

Follow these steps:

• Dial *894# on your registered mobile phone number
• Select “Instant Banking”
• Follow the prompts to complete the registration process

How To register for mobile banking and USSD codes with GTBank

Follow these steps:

• Dial *737# on your registered mobile phone number
• Follow the prompts to complete the registration process

How To register for mobile banking and USSD codes with Heritage Bank

Follow these steps:

• Dial *322# on your registered mobile phone number
• Follow the prompts to complete the registration process

Documents or information required for mobile banking registration and USSD code

The documents or information required for registration may vary from bank to bank. However, here is a general list of documents and information required to apply for mobile banking and USSD codes in Nigeria:

1. Valid IDs

You will need a valid ID, such as a national ID card, driver’s license or international passport.

1. Phone number

You will need a mobile number registered with your bank.

1. Account number

You will need your account number to complete the registration process.

1. BVN

You may need a BVN (bank verification number) to complete the registration process. Personal information:

You may be asked to provide personal information such as your full name, address and date of birth.  

How mobile banking and USSD codes could further improve financial inclusion in Nigeria

Mobile banking and USSD codes have already made a significant impact on financial inclusion in Nigeria. However, there is still room for improvement, and further adoption of these technologies could significantly increase financial inclusion in the country.

Ways mobile banking and USSD codes could further improve financial inclusion includes;

• Providing access to credit for those who have traditionally been excluded from the formal banking sector. With the use of alternative credit scoring methods, such as data from mobile phone usage and bill payments, banks and financial institutions could extend credit to those who would otherwise not qualify based on traditional credit scoring models.
• Mobile banking and USSD codes could also facilitate the provision of financial education to the unbanked and underbanked population. With the use of mobile banking and USSD codes, customers can access information about financial management and planning, which can help them make informed decisions about their finances.
• Mobile banking and USSD codes could enable the provision of micro insurance and micro savings products to low-income individuals and small business owners. These products would enable them to manage risks and save for the future, improving their financial well-being.
• Mobile banking and USSD codes could help to bridge the gap between rural and urban areas by providing banking services to those in remote locations. This would increase financial inclusion, particularly among the rural population, who may not have access to traditional banking services.

FAQs

Q: What is mobile banking?

A: Mobile banking is a digital banking service that allows customers to perform various banking activities using their mobile devices, such as smartphones or tablets.

Q: What are USSD codes?

A: USSD codes are short codes that can be used to perform various banking activities, such as checking account balance, transferring funds, purchasing airtime, and paying bills, using a mobile phone.

Q: Are mobile banking and USSD codes secure?

A: Yes, mobile banking and USSD codes are secure. Banks have put in place various security measures, such as encryption and two-factor authentication, to protect customer information and transactions.

Q: Can anyone use mobile banking and USSD codes?

A: Yes, anyone with a mobile phone can use mobile banking and USSD codes, regardless of their location or access to internet facilities.

Q: Are there fees for using mobile banking and USSD codes?

A: Yes, there may be fees for using mobile banking and USSD codes, but they are generally lower than traditional banking fees. Customers should check with their bank to understand the fees associated with mobile banking and USSD code transactions.

Conclusion

Mobile banking and USSD codes have revolutionized the banking industry in Nigeria, making it more accessible, convenient, and secure for customers.

With the complete list of all bank USSD codes in Nigeria provided in this article, customers can easily access banking services at any time and from anywhere using their mobile phones.

The benefits of mobile banking and USSD codes cannot be overemphasized, and as the Nigerian economy continues to embrace digital technology, we can expect to see more innovations in the financial services industry, leading to greater financial inclusion and a thriving digital economy.