Heritage Bank makes banking easier and more convenient through its USSD code *745#. With this service, you can send money, buy airtime, pay bills, and access a variety of financial services without an internet connection. All you need is a mobile phone and the number linked to your Heritage Bank account.
The *745# code works on all types of phones (smartphones and feature phones) and is available 24/7, making it a perfect solution for quick and reliable transactions.
How to Register for Heritage Bank USSD Banking
- Dial
*745#from the phone number linked to your Heritage Bank account. - Follow the on-screen prompts.
- Enter required account details and set a secure 4-digit PIN.
- You’re ready to transact.
Heritage Bank USSD Code for Transfers
- Transfer to Heritage accounts:
*745*1*Amount*AccountNumber# - Transfer to other banks:
*745*2*Amount*AccountNumber#
Authorize with your USSD PIN; you’ll receive an instant confirmation once the transfer completes. (Heritage’s USSD docs and reputable guides confirm these menu flows.)
Airtime Recharge with Heritage *745#
- Self-recharge:
*745*Amount# - For others:
*745*Amount*PhoneNumber#
Airtime is credited instantly across major Nigerian networks.
Check Heritage Bank Account Balance
- Balance:
*745*0#
Pay Bills Using Heritage USSD
- Dial
*745#→ navigate the menu to pay electricity, DSTV, GOTV, data and other utility bills.
Other Services on *745#
- BVN inquiry and update
- Mini-statement requests
- PIN reset/change
- Stop debit transactions or block cards (
*745*911#as per guidance on some official help pages)
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Benefits & Security
- No internet required — works on feature phones and smartphones.
- Secure transactions via your unique USSD PIN.
- Available 24/7 (subject to network and system uptime).
- Follow on-screen prompts and always confirm beneficiary name before authorizing transfers.
Conclusion
Use *745# for Heritage Bank USSD banking. It’s the code promoted by Heritage’s official accounts and corroborated by trusted finance guides — not *322#. If you have *322# listed anywhere on your site, replace it with *745# to avoid user confusion.
