Banking in Nigeria has become faster and more convenient with the introduction of USSD banking codes. These codes allow you to transfer money, check balances, pay bills, and recharge airtime directly from your mobile phone — no internet required.
Whether you are at home, in the office, at school, or even on the road, USSD codes give you secure access to your bank account 24/7.
What is a Bank Transfer Code?
A bank transfer code (also known as a USSD code) is a set of short numbers you can dial from your registered phone number to carry out banking transactions.
With these codes, you can:
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- Transfer money instantly.
- Recharge airtime (for yourself or others).
- Pay utility bills and subscriptions.
- Check your account balance or mini-statement.
- Open or reactivate an account.
The biggest advantage? You don’t need data or internet access, just your mobile phone.
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Benefits of USSD Codes in Nigeria
- Easy money transfers at any time.
- Airtime and data top-up for self and others.
- Bill payments (DSTv, PHCN, GOTv, etc.).
- BVN and account inquiries.
- Fast and secure transactions.
- Works on all types of phones (not just smartphones).
USSD codes for instant loans in Nigeria
All Nigerian Bank Transfer Codes (2025 Updated List)
Here’s the complete list of banks and their official USSD codes:
| Bank | USSD Code |
|---|---|
| Access Bank | *901# |
| FCMB | *329# |
| Wema Bank | *945# |
| GTBank | *737# |
| Polaris Bank | *833# |
| Ecobank | *326# |
| First Bank | *894# |
| Stanbic IBTC | *909# |
| Fidelity Bank | *770# |
| Sterling Bank | *822# |
| Unity Bank | *7799# |
| UBA | *919# |
| Zenith Bank | *966# |
| Jaiz Bank | 389301# |
| Keystone Bank | *7111# |
| Heritage Bank | *745# |
Note: Ensure the phone number you’re dialing from is linked to your bank account, otherwise the transactions won’t work.
Access Bank USSD Code – *901#
With *901#, you can:
- Airtime (self): 901Amount#
- Airtime (others): 901Amount*PhoneNumber#
- Balance inquiry: 9015#
- Fund transfer (Access Bank): 9011AmountAccountNumber#
- Fund transfer (Other Banks): 9012AmountAccountNumber#
- Bill payment: 9013#
- Open account: 9010#
Polaris (Skye) transfer code
To commence using the Polaris (Skye) Bank Money Transfer Code, you need to register or sign-up first by dialing *833# first: No data, no worries as Polaris bank got your back!
*. Open an Account (*833*1#)
*. Pay Bills (*833*2#)
*. Transfer Funds (*833*3#)
*. Hotlist Card
*. Update your BVN (*833*5#) – Coming Soon
*. Check your Balance (*833*6#)
*. Pay with MasterPass (*833*7#)
*. Airtime Top-up
*. Buy Airtime for yourself: Dial *833*AMOUNT#
*. Buy Airtime for others or yourself: Dial *833*AMOUNT*PHONENUMBER#
*. Transfer Funds: Dial *833*AMOUNT*ACCOUNTNUMBER#
UBA USSD Code – *919#
With UBA’s *919#, you can:
- Open new accounts.
- Transfer funds.
- Recharge airtime.
- Pay bills.
GTBank USSD Code – *737#
- Reactivate account: 73711#
- Open Account: 7370#
- Transfer to GTBank: 7371AmountAccountNumber#
- Transfer to Other Banks: 7372AmountAccountNumber#
- Airtime (self): 737Amount#
- Airtime (others): 737Amount*PhoneNumber#
- Data top-up: 7374#
- Check balance: 7376*1#
FCMB USSD bank transfer code
Complete your banking transactions all from the comforts of your home with *329#.
*. Dial *329*Amount# to top-up your mobile phone.
*. Dial *329*Amount*Mobile number# to top-up other mobile phones.
*. Dial *329*Amount*Account number# to transfer funds.
*. Dial *329*00# to check balance.
*. Dial *329*0# to reset your pin.
*. Dial *329*1*Mobile Number# to buy data on your phone.
*. Dial *329*2*Smartcard Number# to pay for DSTv or GOTv subscription.
Zenith Bank USSD Code – *966#
- Open account: *966*0#
- Balance inquiry: *966*0*0#
- Airtime: *966*Amount*PhoneNumber#
- Transfer: *966*Amount*AccountNumber#
- Reset PIN: *966*6*0#
- Pay bills (DSTv, PHCN, etc.): *9667*Amount*CustomerID#
Eco mobile banking
The official transfer code is *326#. You can complete the following with this code:
*. Make instant transfers
*. Check balances
*. Pay bills
*. Read mini-statements
*. Buy airtime
First Bank USSD Code – *894#
- Register: *894*0#
- Airtime (self): *894*Amount#
- Airtime (others): *894*Amount*PhoneNumber#
- Transfer: *894*Amount*AccountNumber#
- Check balance: *894*0*0#
- Mini-statement: *894*AccountNumber#
Stanbic IBTC USSD Code *909#
Stanbic IBTC makes banking easy with its *909# USSD mobile banking service. With this code, you don’t need internet access or a smartphone to carry out basic banking transactions. All you need is the mobile number linked to your Stanbic IBTC account.
With *909#, you can:
- Transfer money to Stanbic IBTC and other banks
- Buy airtime for yourself and others
- Pay bills and utilities
- Receive salary payments
- Pay for goods and services
- Check your account balance and more
It is fast, secure, and available 24/7 from any location in Nigeria.
Fidelity USSD code for transfer *770#
Fidelity is calling it Instant Banking, and of course, it fits the name and mode of service. Fidelity transfer code is *770#, and it can be used to complete the following transaction:
*. Self-recharge: Dial *770*AMOUNT#
*. Recharge For A Friend Or Family: Dial *770*PHONE*AMOUNT#
*. To transfer funds: Dial *770*ACCOUNT*AMOUNT#
Sterling transfer code *822#
For Standard Chartered customers, the transfer code is *822# and it can be used to complete other transactions, buy airtime, pay bills, and even transfer money from bank to bank. To get started, dial the code and you follow the prompt commands.
*. Buy airtime self: *822*AMOUNT#
*. Buy airtime for others: *822*AMOUNT*MOBILE NO#
*. Sterling bank within transfer: *822*4*AMOUNT*NUBAN#
*. Sterling bank to other: *822*5*AMOUNT*NUBAN#.
*. Check account balance: *822*6#
*. Check account number: *822*8#
*. Open account: *822*7#
*. To reset Pin: *822*9#
Unity bank transfer code
One of the best ways to the bank is via USSD code, and Unity bank has got you covered. The official Unity bank transfer code is *7799# and you can easily complete other important transactions.
*. Account opening
*. Airtime recharge
*. Add Account
*. Balance inquiry
*. Bills payment
*. BVN verification
*. Fund Transfer
*. PIN change.
Wema bank transfer code *945#
The official transfer code for Wema bank is *945# and you can complete other necessary commands such as:
*. Buy Airtime: *945*phone Number*amount#
*. Send Money: *945*beneficiary account number*amount#
*. Balance Enquiry: *945*0#
*. Change PIN: *945*00#
*. Get your Account Number: *945*000#
*. Open Account: *945*1#
*. Change account number: *945*2*old account number*newaccountnumber#
*. Account Reactivation: *945*5#
*. Send Money to phone/email: *945*6*amount#
Jaiz Bank transfer code
To complete the fund’s transfer for your Jaiz bank account, you can start by dialing *389*301*Account number*Account#. And dialing *389*301*Amount# will allow you to recharge airtime.
For Jaiz bank SWIFT code is JAIZNGLAXXX while the SORT code is 301080020.
Other Bank USSD Codes
- Fidelity Bank – *770#
- FCMB – *329#
- Polaris Bank – *833#
- Stanbic IBTC – *909#
- Sterling Bank – *822#
- Unity Bank – *7799#
- Wema Bank – *945#
- Ecobank – *326#
- Jaiz Bank – *389*301#
- Keystone Bank – *7111#
- Heritage Bank – *745#
Conclusion
You can perform any banking transaction with the above codes and do more than you can imagine. Trust this is helpful? kindly share with friends and family on your social media.
