The introduction of USSD (Unstructured Supplementary Service Data) has changed the Nigerian banking system completely. Today, mobile banking services have been deployed by almost every bank in Nigeria.

USSD is a service where bank transactions can be carried out by dialling simple shortcodes on mobile phones. USSD transaction does not require the use of internet or mobile apps, which ensure that customers who do not have access to the internet can use the USSD service to make banking transactions.

Different Banks in Nigeria now have their distinct USSD codes which make it possible for their customers to perform transaction like transfer of funds, airtime purchase, subscription payment etc.

For you to be able to use the USSD code for your bank, you will need to have access to the mobile number used to open the account with the bank or the mobile number that has been linked to the account. if this has not been done then the transaction will not be possible using the USSD code.

A mobile transaction using USSD codes require account registration for first-time users and a PIN code (either 4 or 5 digits) which can be done by simply dialling the bank USSD code and following the screen prompts. The PIN code serves as your security against fraudsters and will be required for all your subsequent transactions.

In this article we have compiled the USSD codes for various banks (2017 updates);


GTBank USSD code – *737#

How To Transfer Funds from your GTB account

To transfer to another GTBank Account simply dial *737*1*Amount*NUBAN Account Number# (e.g. *737*1*1000*1234567890#) from the phone number you registered with GTBank, then follow the on-screen prompts.

Transfer to other Banks

Dial *737*2*Amount*NUBAN Account Number# (e.g. *737*2*1000*1234567890#) from your phone, then authenticate the transfer with the last four digits of your GTBank debit card.

For Self Top-up Airtime

Simply dial *737*amount# on your phone (e.g. *737*1000#) to buy airtime.

To Top-up Airtime for a Friend

To send airtime to a third party or to a friend, simply dial *737*Amount*Recipient’s number# (e.g. *737*1000*08023456789#)

For Self & third (3rd) Party Data Top-up

Simply dial *737*4# on your phone and follow the on-screen prompt.

For more information Kindly visit Gtbank




Fidelity bank USSD code – *770#

How To Transfer Funds from your GTB account
To transfer funds from your fidelity account, simply dial *770*ACCOUNT*AMOUNT#

Example:
From your phone, dial *770*5050123456*10000# to transfer ₦10,000. Follow the on-screen prompts and complete your transfer with your PIN or password.



AIRTIME RECHARGE

How to do self-recharge: *770# Top Up Airtime
To recharge your phone, dial *770*AMOUNT#

Example:
From your phone, dial *770*1000# to recharge ₦1,000 on your phone.

How to do recharge for a friend or family
To send airtime to a third party, dial *770*PHONE*AMOUNT#

Example:
From your phone, dial *770*08012345678*500# to recharge your friend’s phone (what a lucky man!) with ₦500 airtime

For more information visit Fidelity



First Bank USSD

First bank USSD code – *894#

Transfer Money

To transfer money from your first bank account simply dial *894*Amount*Account Number#

E.g. *894*50000*1234567890# To transfer N50,000 to account number 1234567890 in any bank in Nigeria.

Airtime Recharge

Airtime Recharge – for self-dial *894*Amount#

E.g. *894*500# to recharge N500 airtime on your mobile number registered with First Bank.

Airtime Recharge –for others dial *894*Amount*mobile#

E.g. Phone Number# *894*500*080XXXXX123# to recharge N500 airtime for phone number 080XXXXX123.

For more information visit First Bank



Wema bank USSD code – *945#

Transfer Money

To transfer money from your WEMA bank account simply dial *945*beneficiaryaccountnumber*amount#

Buy Airtime

To buy airtime from your WEMA bank account simply dial *945*phone Number*amount#

For more the information visit WEMA 945LIFE



Skye Bank USSD Transfer Code
Skye Bank USSD Transfer Code

Skye bank USSD code – *833#

To transfer money from your Skye bank account simply dial *833# and follow the screen command.



Sterling Bank USSD Transfer Code


Sterling Bank USSD Transfer Code

Sterling bank USSD code – *822#

Transfer Money

To transfer money from your sterling bank account simply dial *822# and follow the prompt OR dial *822*4*AMOUNT*NUBAN#

To transfer to other banks dial *822*5*AMOUNT*NUBAN#. Charges apply

Buy Airtime

You can buy airtime by simply dialling *822*AMOUNT# for yourself and *822*AMOUNT*MOBILE NO# for others. For more information visit STERLING




Diamond bank USSD code – *710#

Transfer Money

Bank to Bank Transfers simply dial *710*777*ACCOUNT NO*AMOUNT*PIN#

Diamond Y’ello to Diamond Y’ello Transfers dial *710*710*PHONE NO*AMOUNT*PIN#

Buy Airtime

To buy airtime dial *710*555*PHONE NO*AMOUNT*PIN#


Ecobank USSD code – *326#

Transfer Money

To transfer money or buy airtime from your Ecobank account dial *326# and follow the screen command.



Zenith bank USSD code – *966#

Transfer Money

To transfer money from your Zenith bank account simply dial *966*Amount*Account Number# (e.g. *966*1000*1234567890#) from the phone number you registered with Zenith Bank, then follow the on-screen prompts.

Buy Airtime

To buy airtime from your Zenith bank account simply dial *966*Amount*Mobile Number# on your phone (e.g. *966*1000*0803456789#) to buy airtime.

For more information visit Zenith



First city monument bank (FCMB) USSD code – *329#

To transfer money or buy airtime from your FCMB account dial *329# and follow the on-screen prompt.



Unity bank USSD code – *389*215#

To transfer money or buy airtime from your Unity Bank account simply dial *389*215# and follow the on-screen prompts.


UBA bank USSD code – *919#

To transfer money or buy airtime from your Uba Bank account simply dial *919# and follow the on-screen prompts.



Union bank USSD code – *826#

To transfer money or buy airtime from your Union Bank account simply dial *826# and follow the screen prompts to complete your transaction.




Heritage bank USSD code – *322*030#

To transfer money or buy airtime from your Heritage bank account simply dial *322*030# and follow the screen prompts to complete your transaction.



Keystone bank USSD code – *322*082#

To transfer money or buy airtime from your Keystone bank account simply dial *322*082# and follow the on-screen prompt.


Access bank USSD code – *901#

To transfer money or buy airtime from your Access bank account simply dial *901# and follow the instructions thereafter.


Stanbic IBTC USSD code – *909#

To transfer money or buy airtime from your Stanbic IBTC account simply dial *909# and follow the instructions thereafter.

You can as well download Quick Bank from Google Playstore

https://play.google.com/store/apps/details?id=com.coretech.allnigeriabanksussd.

It automates the codes and you don't need all the confusing stars and harshs. Did I mention that it lets you see the codes you are dialing? You can even copy and paste in your dialer.

USSD Banking app helps you access codes for all major Nigerian banks without internet or cramming.
Get the free app for your android phone from Google play.
Download link: http://play.google.com/store/apps/details?id=com.buildbrothers.ussdbanking

Thanks for this

For the 2019 update on Nigeria banks and their ussd transfer code, visit https://www.techsblog.com.ng/2019/05/24/mobile-phone-ussd-transfer-code-for-all-banks-in-nigeria-2019/

Very good writeup. Save yourself the hassle of having to memorise numerous banking codes.
Download Quick Bank Codes App Now.

https://play.google.com/store/apps/details?id=com.codegreenie.quickbankcodes

Easy peazy.. This article gives a rundown of the USSD codes for banks. I bookmarked it and return anytime I need to find one - https://blog.changera.co/bank-ussd-codes-how-to-use-them-effectively/