All Nigerian Banks USSD Codes for Easy Transfers and Payments (2025 Updated List)

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Introduction

Mobile banking in Nigeria has become faster and more convenient, thanks to USSD codes. With just a few digits on your phone, you can transfer money, buy airtime, pay bills, and check your account balance all without an internet connection. Whether you use GTBank, Access Bank, Zenith, First Bank, or any other, this 2025 updated list of all Nigerian banks’ USSD codes will help you bank anywhere, anytime.

What is USSD banking & why it matters

USSD is an acronym which means "Unstructured Supplementary Service Data". It is a session-based protocol that lets you interact with your bank via short codes on your phone without having internet accessibility. All you have to do is to dial a code like *123#, reply to menus, enter amounts and PINs. It’s extremely popular in Nigeria because:

• It works on all phones (not just smartphones)
• You don’t need data or WiFi
• It’s fast and accessible.

Many banks provide core services (balance check, transfers, airtime, bill payments) via USSD. However, it has limitations: lower transaction limits, occasional network issues, and security risks if PINs are compromised. Always use it cautiously.

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Key USSD codes for Nigerian banks

Here’s a list of major Nigerian banks and their commonly used USSD codes (for mobile banking) as of recent updates.

Bank USSD Code Notes / extra details.

1. Access Bank *901# Supports transfers, airtime, balance, etc. 
2. GTBank (Guarantee Trust Bank) *737# Very commonly used; has intra-bank & interbank transfer commands. 
3. Zenith Bank *966# Includes transfer, balance, bill pay functions. 
4. First Bank *894# Known as “Quick Banking / 894” for many services including transfers. 
5. UBA (United Bank for Africa) *919# Has structured subcommands for same-bank, other banks, airtime, etc. 
6. Fidelity Bank *770# Supports transfers, balance inquiries, etc. 
7. FCMB (First City Monument Bank) *329# Standard USSD banking code. 
8. Union Bank *826# For transfers, balance, etc. 
9. Wema Bank *945# Provides USSD functionality. 
10. Polaris Bank *833# One of the newer codes in use. 
11. Ecobank *326# For mobile banking, transfers, etc. 
12. Sterling Bank *822# Standard USSD banking services. 
13. Stanbic IBTC *909# Included in many USSD code lists. 
14. Heritage Bank *745# Part of the published lists. 
15. Keystone Bank *7111# Has been listed in recent USSD code compilations. 
16. Unity Bank *7799# Included in code listings. 
17.  Jaiz Bank 389301# via menu Dial 389301#, then transfer → enter details & PIN
18.  Sparkle Bank (No USSD) — Transfers via mobile app only.
19.  Rubies Bank *7797# via menu Dial *7797#, follow prompts for transfer.
20.  Accion Microfinance Bank *572# via menu Dial *572#, choose Transfer or “Other Banks”, fill in details → PIN 
21. Kuda Bank (No USSD) — No USSD concept; app/digital-only transfers
22. AB Microfinance Bank 389755# via menu (balance, transfer) Dial 389755#, select transfer option, enter account, amount, PIN.
23. Mainstreet Microfinance Bank 540394# via menu Dial 540394#, then transfer → account, amount, PIN.
24. How to transfer money using USSD (step-by-step).

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Below is a generalized process that applies to most banks. Always follow on-screen prompts and be aware of your bank’s specific format.

General steps:

1. Use the registered phone number and ensure you have airtime:

Dial the USSD code from the mobile line that your bank expects (the number linked to your bank account).

2. Dial the USSD code: For instance., if you are using Access Bank,you just have to dial *901#. Then for GTBank, you dial *737#.

3. Select “Transfer / Send Money / Funds Transfer”

On the menu, pick the option for transfers (sometimes “1 = own account,” “2 = other banks,” etc.)

4. Input the recipient’s account number / bank: You may need to choose the destination bank from a list or type a bank code number first.

5. Enter the amount: that is how much you want to send.

6. Authenticate / confirm with PIN: You’ll be prompted or asked to enter your USSD PIN or further authentication (sometimes part of your ATM card digits).

7. Receive confirmation: You should get a confirmation message (on screen or via SMS) that the transaction succeeded (with a transaction reference).

See Examples Of Some USSD Transfer Codes And Format Bellow 👇👇

Here are examples of how transfer strings or workflows look in some banks:

1. GTBank (*737#):

• To transfer money between GTBank account: Dial *737*1*Amount*AccountNumber#
• To transfer money from GTBank to other banks: Dail *737*2*Amount*AccountNumber#

Note: You may need to enter the last four digits of your debit card to confirm.

2. Access Bank (*901#):

• To transfer to Access or other banks: you have to dial *901*Amount*AccountNumber#

           Example: *901*1000*1234567890

           (*901*Amount*AccountNumber).

3. UBA (*919#):

• From UBA to UBA: Dial *919*3*AccountNumber*Amount#
• From UBA to other banks: Dail *919*4*AccountNumber*Amount#    Then you have to confirm with your PIN.

4. First Bank (*894#):

• You can dial *894*Amount*AccountNumber# after registration.

5. Fidelity Bank (*770#):

• Example: *770*RecipientAccount*Amount# (some lists show this format).

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Important notes, limits, and security Tips 

• Transaction limits: Many banks impose per-transaction, daily or monthly limits on USSD transfers. For example, UBA has limits for same-bank vs interbank transfers via *919#.
• Fees apply: There is usually a small charge per transfer, especially for interbank transactions.
• Security / PIN: Never share your USSD transaction PIN. Some banks ask for last 4 digits of your ATM card (or parts of it) as extra security.
• Registered number matters: The SIM you use must be the one registered for your bank account.
• Always verify details before confirming: Once a transfer is sent, reversing it is usually hard or takes time. 
• Network issues: USSD sessions sometimes time out or fail in weak network areas. Retry later if it fails.
• Updates & changes: Banks can change their USSD codes, menus or transfer formats. Always check your bank’s official site or notices.

Troubleshooting common USSD problems

• USSD returns “Not Registered” or “Invalid PIN” : you may not be registered for that service or the PIN was entered wrong. Re-register using the bank’s registration code (e.g., *894*0# for FirstBank) or visit a branch.
• Transaction failed but money debited: contact your bank immediately with the transaction reference and time. Keep the transaction SMS.
• USSD menu doesn’t load / times out : try again later or use the bank’s mobile app. Network congestion sometimes affects USSD.
• I was scammed: Block the account immediately, report to your bank and file a police report if necessary.
• Recommended sources & where to confirm: For the most accurate and current USSD codes, always check your bank’s official page or customer support. Some official USSD reference pages I used when compiling this guide:

1. GTBank Bank737 pages (features & FAQs). 
2. Access Bank USSD pages and FAQ (*901#). 
3. UBA *919# official page. 
4. FirstBank *894# official pages. 
5. Fidelity Bank *770# pages. 
6. Ecobank, Zenith, Union Bank and other banks official website for their respective ussd codes.

Some Frequently Asked Questions (FAQ) About USSD Codes

Q: Can I use USSD from any phone?

A: Yes — USSD works on feature phones and smartphones. But you must dial the USSD code from the phone number registered to your bank account. 

Q: What if I forget my USSD PIN?

A: Use your bank’s reset flow (often available on the USSD menu or by visiting the branch). Some banks require card details or BVN to reset. 

Q: Is USSD safe?

A: USSD is widely used and reasonably secure when you keep your PIN secret and your phone secure. But social engineering (phishing) and SIM swap fraud are risks — stay vigilant and contact your bank immediately if suspicious activity occurs.

Conclusion

USSD codes remain one of the most accessible ways for Nigerians to move money quickly without internet. Add a short, clear USSD code table to your article, explain the step-by-step transfer example, and finish with strong security tips (like the ones above). And always link readers to their bank’s official USSD support page for the final confirmation.

Check out related topics below:

• Nigerian bank USSD codes 2025,
• All Nigerian banks USSD codes,
• Bank transfer codes Nigeria,
• Mobile banking Nigeria,
• Airtime recharge USSD codes
• Check account balance USSD Nigeria
• Quick banking without internet
• Latest USSD transfer codes.