Banking has taken a new dimension in recent times and you quite agree with me that it has gotten a whole better now unlike the days of long queuing in banks and at the end not achieving your banking goal for the day. Now with USSD Code for Loans, you can get loan on the go.

Back then to get a loan can be an herculean task but now with internet banking, mobile banking and others, financial transactions are more convenient and faster to perform.


In this post, we will show you what the USSD platform is, and how you can use it to access a quick loan.

Quick Guide

What is USSD? 

It is known as Unstructured Supplementary Service Data (USSD). It can be used for a range of things – callback service, mobile-money, content, and information, or to provide network configuration services. In this case, we consider how the use of USSD in banking.

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What is USSD Banking? 

Unstructured Supplementary Service Data (USSD) is a set of codes that permits users to perform financial transactions from any phone without the need for internet or app. It involves the use of any phone to dial sets of short codes for instance *737# or the *444# to perform a particular banking task.

More importantly, you can use USSD codes to get loans. 

How to apply for loans with USSD Code

It requires a few easy to do process from the comfort of your zone and phone

  • Know which loan provider you’re borrowing from. 
  • Get the functional USSD code
  • Meet all specified requirements
  • Dial the code
  • Follow the prompt
  • Get your loan

Requirements to get an online loan in Nigeria

There are some terms and conditions that must be met before you can secure any kind of loan and you need provide such details, including the following:

  • BVN Number
  • Bank Account number
  • Amount (money)
  • Purpose of loan (depends on the source)
  • And other information deemed necessary.

USSD Code for Loans in Nigeria (Banks, Networks, Apps)

We also shortlisted some of the versatile codes for getting any kind of loan. It is fast and convenient. Some USSD Codes for loans in Nigeria are: 

USSD Code for Loans Platform in Nigeria

Loan PlatformUSSD Code to get Loan
AB Microfinance Bank*389*755#
Access Bank*901*11#
Accion Microfinance Bank*572*6#
Airtel Quick Cash*561#
ALAT by Wema Bank*945*100
Aledin Nano*903#
Ecobank Xpress*326#
First Bank First Advance*894*11# or *894#
Glo Cash*322*1*04225701*Amount#
GTBank (QuickCredit)*737*51*51#
MTN Cash*606*4#
Trader Moni*540#
Quickteller (Airtel, MTN and 9mobile)*322#
Quickteller (Glo Users)*805#
Unity Bank*7799#
Zenith Bank*966#

USSD Codes for Banks in Nigeria

We have made a shortlist of all or most banks in Nigeria and they are as shown below

Banks NameUSSD For Bank Loan
Access Bank transfer code*901#
Diamond Bank transfer code*426#
Ecobank transfer code*326#
FCMB transfer code*329#
Fidelity Bank transfer code*770#
First Bank transfer code*894#
GTBank transfer code*737#
Heritage Bank transfer code*322#
Keystone Bank transfer code*533#
Skye Bank transfer code*833#
Stanbic IBTC transfer code*909#
Standard Chartered transfer code*120#
Sterling Bank transfer code*822#
UBA transfer code*919#
Union Bank transfer code*826#
Unity Bank transfer code*779#
Wema Bank transfer code*945#
Zenith Bank transfer code*966#
Polaris bank Transfer Code*833#
Jaiz bank transfer code773#
Heritage bank transfer code*322*

USSD Codes for Civil & Public Service

BVN*565*0#Check your bank verification number
CRC’s Credit Bureau*565*8#Check your credit history
Lagos Domestic Violence & Child Abuse*6820#Report domestic violence and child abuse in Lagos.
Mcash*402*SellerCode*Amount#Payment channel for Merchsnts/sellers
Abuja Electricity Distribution Company*242*803#Prepaid (paga users)
Abuja Electricity Distribution Company*322*1*04313801*Amount#Postpaid
Dstv*288#User/Self service
Paga*242#User service


The ussd code is a form on monetary transaction introduced to make life and banking transaction easy and flexible for people. We trust this post has been helpful? kindly share with friends and family