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All Nigerian Banks Transfer (USSD) codes with contact details

In this article, we will discuss the bank transfer code in Nigeria, its benefits, uses, and application. Banking in Nigeria has been revolutionized and made smarter due to the latest Unstructured Supplementary Service Data (USSD) bank transfer for everybody.

The bank transfer code is designed for everyone that has an account with the bank. For instance, if you open a First bank account, this implies that you have the right to use their transfer code for convenient mobile banking.

Regardless of the type of account you are using, you are fully permitted to use the prospective bank codes and the exciting fact is that it is extremely easy to use. I would like to remind you that at the end of this article, I have provided a list of contacts of Nigerian banks in case you need to call them for further information.

What is Bank Transfer Code?

mobile-transfer-codesBank transfer code is a secure, fast, affordable, and convenient way to access your bank account without any interruption or delay through your mobile phone without internet connection or data. There are USSD codes that make banking activities easy and simple thereby ensuring that customers have full access to their accounts. The customers just need to dial the USSD code and follow the commands to complete their banking transactions. The era of queuing up at banks to make transactions is over and we are currently in the era of USSD code which makes transactions easy, sensible and uncomplicated.

How it all started

The advancement of technology has influenced the technological world thereby bringing numerous innovations to the banking world. This has forced many financial organizations to embrace fintech. In the past, customers had to queue up at the ATM centre or banking hall to make financial transactions like money transfer, account statement checking and others. However, many Nigerian banks have keyed into the fintech operation and came up with easy-to-use USSD codes to enable their customers to carry out financial transactions on their mobile devices.

Benefits of Bank transfer code

The benefits of your bank transfer code are highlighted below

  • Recharge your mobile airtime and other mobile phones
  • Money transfers
  • Checking the state of your bank account
  • Purchase data
  • Payment of bills
  • Reset Pin 

The transfer code of Nigerian Banks

1Diamond Bank*426#
2Access Bank*901#
3First Bank*894#
4Eco Bank*326#
5Sterling Bank*822#
6Fidelity Bank*770#
7Zenith Bank*966#
8Unity Bank*7799#
9Polaris Bank*833#
11Wema Bank*945#
12Stanbic IBTC*909#

Diamond Bank USSD Code

The USSD code of diamond bank (*426#), it guarantees financial inclusion. It enables customers of the bank to carry out banking transactions seamlessly and conveniently regardless of the type of mobile device. If you intend to register for this service; dial *426# on your registered phone number and input the last 6 digits displayed on your ATM card, enter your account details and lastly, create a 4-digit PIN. Other services accessed via this shortcode include;

  • Dial *426*Amount# to top-up your airtime
  • Dial *426*Amount*Account Number# for the transfer of money to another account
  • Dial *426*00# to check the statement of the account or account balance
  • Dial *426*Amount*Phone Number# to buy airtime for your family and loved ones
  • To change the PIN, dial *426*0#
  • For C.R.E.A.M subscription, dial *426*463#

Access Bank USSD Code

The recognized USSD code for access bank is *901# and it can be used to perform the banking transactions as highlighted below:

  • Airtime (Self): Dial *901*Amount#
  • Airtime (Others): Dial *901*Amount*Phone Number#
  • Opening of Account: *901*0#
  • Purchase of Data: *901*8#
  • Checking of account balance: *901*5#
  • Transfer of Money (Access Bank): *901*1*Amount*Account Number#
  • Transfer of Money (Other Banks): *901*2*Amount*Account Number#
  • Payment of Bills: *901*3#
  • Payment of Merchants: *901*3*Amount*Merchant Code#
  • OTP Generation: *901*4*1#

First Bank USSD Code

You don’t need to have data on your mobile phone before you can perform your First Bank commands. All you have to do is to use the bank transfer code (*894#). This is the quick banking code of the First bank which enables you to check account balance, transfer money, pay bills, purchase airtime and lots more. Services offered by this code are as follows:

  • Registration: *894*0#
  • Airtime Top-up: *894*Amount#
  • Airtime for other people: *894*Amount*Number#
  • Cash Transfer: *894*Amount*Account Number#
  • To check account balance: *894*00#
  • To check account statement: *894*Account Number#

Eco Bank USSD Code

The official transfer code of Eco Bank is *326#. With this code, you can transfer money from the bank to other banks. You can also perform the following tasks with the code.

  • Check balances
  • Purchase airtime
  • Make instant transfers
  • Pay bills
  • Read mini-statements

However, you must ensure that you register your phone number with the bank to use this service.

Sterling Bank USSD Code

For those banking with Sterling Bank, the official transfer code is *822# but the exciting thing is that it can be used to carry out other banking transactions such as the purchase of airtime, payment of bills, and even transfer cash from one bank to another. If you are interested in this service, follow the commands highlighted below.

  • Purchase of airtime (Self): *822*Amount#
  • Purchase of airtime (Others): *822*Amount*Mobile Number#
  • Transfer of money (Sterling to Sterling): *822*4*Amount*NUBAN#
  • Transfer of money (Sterling to others): *822*5*Amount*NUBAN#
  • Checking of account number: *822*8#
  • Checking of account balance: *822*6#
  • Opening of account: *822*7#
  • PIN Reset: *822*9#

Fidelity Bank USSD Code

Fidelity tagged their USSD code as Instant Banking and the fact is that it perfectly fits the name and mode of operation. The official transfer code of Fidelity bank is *770# and can be used to perform the following transaction.

  • Airtime Top-Up (Self): Dial *770*Amount#
  • Airtime Top-Up (Others): Dial *770*Phone*Amount#
  • Transfer of funds: Dial *770*Account*Amount#

Zenith Bank USSD Code

The USSD code for Zenith bank is *966# and you can use it to transfer money from Zenith bank to other banking institutions in Nigeria. The following shortcodes are used to perform specific tasks. They include;

  • Opening of account: *966*0#
  • Checking of account balance: *966*00#
  • Airtime Top-up: *966*Amount*Mobile Number#
  • Transfer of funds: Dial *966*Amount*Account Number# then follow the commands
  • BVN update: *966*BVN#
  • Payment of PHCN and DStv: *966*7*Amount*Customer ID#
  • Mobile banking deactivation: *966*20*0#
  • Reset PIN: *966*60#

Unity Bank USSD Code

The official bank code for unity bank is *7799# and you can execute other important banking transactions such as:

  • Opening of account
  • Airtime Top-up
  • Add Account
  • Checking of the account balance
  • Payment of bills
  • Verification of BVN
  • Transfer of fund
  • PIN reset or change

Polaris Bank USSD Code

The transfer code for Polaris bank is *833# and it is tagged as Smart code. If you register with Polaris bank and you intend to use this code, dial the above code first. Other services rendered include;

  • Opening of account: *833*1#
  • Payment of bills: *833*2#
  • Transfer of funds: *833*3#
  • Checking of account balance: *833*6#
  • Airtime Top-up (Self): Dial *833*Amount#
  • Airtime Top-up (Others): Dial *833*Amount*Phone Number#
  • Transfer of funds: Dial *833*Amount*Account Number#


For FCMB, their official USSD code is *329# and can be used to execute a lot of bank transactions.

  • Airtime Top-up (Self): Dial *329*Amount#
  • Airtime Top-up (Others): Dial *329*Amount*Mobile Number#
  • Transfer of funds: Dial *329*Amount*Account Number#
  • Checking of account balance: Dial *329*00#
  • Pin Reset: *329*0#
  • Purchase of data: *329*1*Mobile Number#
  • DStv or GOTv subscription: Dial *329*2*Smartcard Number#4

Wema Bank USSD Code

Wema Bank official USSD code is *945# and you can carry out other necessary commands such as:

  • Airtime Purchase: *945*Phone Number*Amount#
  • Account Balance Enquiry: *945*0#
  • Opening of Account: *945*1#
  • Reactivation of Account: *945*5#
  • Send Money to email/phone: *945*6*Amount#
  • Change PIN: *945*00#

Stanbic IBTC USSD Code

For Stanbic IBTC bank, their transfer code is *909# which is ideal for you if you intend to opt for a basic account that is secure, convenient and affordable and can be accessed through a mobile phone. With this code, you can purchase airtime, pay bills, receive salary statements and make money transfers.

GTBank USSD Code

The transfer code of GTBank is *737#. The code enables you to perform several commands such as;

  • Opening of Account: *737*0#
  • Reactivation of your Account: *737*11#
  • Airtime Top-up (Self): *737*Amount#
  • Airtime Top-up (Others): *737*Amount*Recipient’s Number#
  • Data Top-up: *737*4#
  • Checking of account balance: *737*6*1#
  • Checking of BVN Number: *737*6*1#


The official transfer code of UBA is *919#. With this bank code, you can perform all your banking transactions from anywhere around the world. Dial this code and follow the instructions or commands.

Contact Details of Nigerian Banks

1Access Bank0700CallAccess, +234127120057contactcenter@accessbankplc.com@accessbank_help, @myaccessbank
2Diamond Bank+23412701500enquires@diamondbank.com, complaints@diamondbank.com@DiamondBankHelp, @DiamondBankNG
3Ecobank+2348003262265, +2347005000000engcontactcentre@ecobank.com@GroupEcobank
4First Bank+23419052326, +23419052000firstcontact@firstbanknigeria.com@FBN_help, @FirstBankngr
5FCMB+23412798800, 07003290000customerservice@fcmb.com@MyFCMB
6Fidelity Bank014485252true.serve@fidelitybank.ng@fidelitybankplc
7GTBank0700482666328enquires@gtbank.com, complaint@gtbank.com@gtbank_help, @gtbank
8Sterling Bank01-4484481-5customercare@sterlingbankng.com@Sterling_Bankng
9Stanbic IBTC+234-1-2709676customercarenigeria@stanbicibtc.com@StanbicIBTC
10UBA+2347002255822, +23412808822cfc@ubagroup.com@UBAGroup, @UBACares
11Unity Bank+234(0)7080666030we_care@unitybankng.com, customercare@unitybankng.com@UnityBankPlc
12Wema Bank+234-803-900-3700, +234-01-277-7700-9purpleconnect@wemabank.com@wemabank
13Zenith Bank234-1-2787000, 2927000zenithdirect@zenithbank.com@ZenithBank
14Polaris Bank08069880000yescenter@polarisbanklimited.com@PolarisBankLtd

Oni Olatunji

This article was written by Oni Olatunji.