Full list of Nigerian Bank USSD Codes 2024 for Fast and Secure Transactions

We could say USSD, or Unstructured Supplementary Service Data, is an inclusive technology because it allows you to access information and services from your mobile phone without having to use an internet connection. 

These codes provide customers with quick and convenient access to various banking services such as checking account balances, transferring money, paying bills and managing accounts using any mobile phone. Here’s a comprehensive guide to the USSD codes of some major Nigerian banks:

Access Bank

• Balance Enquiry: *901*00#
• Airtime Recharge: *901*Amount#
• Transfer Funds: *901*Amount*Recipient’s Account Number#

First Bank

• Balance Enquiry: *894*00#
• Airtime Recharge:*894*Amount*Phone Number#
• Transfer Funds: *894*Amount*Recipient’s Account Number#

GTBank

• Balance Enquiry: *737*6*1#
• Airtime Recharge: *737*Amount*Recipient’s Phone Number#
• Transfer Funds: *737*Amount*Recipient’s Account Number#

Zenith Bank

• Balance Enquiry: *966*00#
• Airtime Recharge: *966*Amount*Recipient’s Phone Number#
• Transfer Funds: *966*Amount*Recipient’s Account Number#

Sterling Bank

• Balance Enquiry: *822*6#
• Airtime Recharge: *822*Amount*Recipient’s Phone Number#
• Transfer Funds: *822*Amount*Recipient’s Account Number#

EcoBank

• Balance Enquiry: *326*0#
• Airtime Recharge: *326*Amount*Recipient’s Phone Number#
• Transfer Funds: *326*Amount*Recipient’s Account Number#

Fidelity Bank

• Balance Enquiry: *770*0#
• Airtime Recharge: *770*Amount*Recipient’s Phone Number#
• Transfer Funds: *770*Amount*Recipient’s Account Number#

Union Bank

• Balance Enquiry: *826#
• Airtime Recharge: *826*Amount*Recipient’s Phone Number#
• Transfer Funds: *826*Amount*Recipient’s Account Number#

Wema Bank

• Balance Enquiry: *945*0#
• Airtime Recharge: *945*Amount*Recipient’s Phone Number#
• Transfer Funds: *945*Amount*Recipient’s Account Number#

Stanbic IBTC Bank

• Balance Enquiry: *909*1#
• Airtime Recharge: *909*Amount*Recipient’s Phone Number#
• Transfer Funds: *909*Amount*Recipient’s Account Number#

UBA

• Balance Enquiry: *919*00#
• Airtime Recharge: *919*Recipient’s Phone Number*Amount#
• Transfer Funds: *919*3*Recipient’s Account Number*Amount#

Important tips when using USSD codes:

• Ensure you use the registered phone number linked to your bank account
• Keep your transaction PIN confidential to safeguard your account
• USSD transactions are charged at a standard rate, and it’s advisable to check with your service provider for applicable fees