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USSD Banking In Nigeria – List Of Major Banks USSD Codes.

codes for ussd banking in nigeria

USSD mobile banking is a service that enables you to send money, check account balance, mini statement and more without internet connectivity.

Nigeria is gradually moving towards becoming a cashless economy, and the Olusegun Obasanjo’s regime democratization of GSM (Global System for Mobile communication) is serving as a catalyst in achieving the dream of Digital Nigeria.

What is USSD?

USSD (Unstructured Supplementary Service Data) is a Global System for Mobile(GSM) communication technology that is used to send text between a mobile phone and an application program in the network. Applications may include prepaid roaming or mobile chatting.

USSD is similar to Short Messaging Service (SMS), but, unlike SMS, USSD transactions occur during the session only. With SMS, the message can be sent to a mobile phone and stored for several days if the phone is not activated or within range.

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Also Read: Nigeria’s Top 5 Mobile Banking Apps In 2018.

USSD Banking Services.

Depending on which bank you use, these are some of the most common USSD banking services that can be accessed by dialing the USSD codes;

  1. Money transfer to other accounts.
  2. Bank account opening.
  3. Checking account balance, account number or BVN.
  4. Airtime recharge and payment of bills.
  5. Loan request.
  6. Soft token request and PIN reset.
  7. Cardless withdrawal from ATM machines.

Nigeria Banks USSD Codes.

At any point in time, you may want to know your bank account balance or make a quick bank transfer from your account, knowing the right code to use in achieving any of your banking operations is very important.

Also Read: Top 6 Popular Foreign Exchange Currencies In Nigeria.

Below is a list of the major Nigerian banks that offer mobile banking services via USSD.

SN.
BANK NAME
USSD CODE
1
Access Bank
*901#
2
Diamond Bank
*701#
3
Ecobank
*326#
4
First Bank
*894#
5
Fidelity Bank
*770#
6
First City Monument Bank
*329#
7
Guaranty Trust Bank (GTB)
*737#
8
Heritage Bank
*322#
9
Keystone Bank
*533#
10
Polaris Bank
*833#
11
Sterling Bank
*822#
12
Stanbic IBTC
*909#
13
United Bank of Africa (UBA)
*919#
14
Unity Bank
*7799#
15
Union Bank
*826#
16
Wema Bank
*945#
17
Zenith Bank
*966#

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