• Business - Companies
  • Updated: May 25, 2022

USSD Banking Codes Mobile Users Should Know

Unstructured Supplementary Service Data (USSD) banking codes sometimes referred to as "quick codes'’ is a type of banking that allows people to carry out bank transactions by simply dialling a shortcode on the phone.

While making transactions with USSD codes, the use of the internet is not required which makes USSD banking accessible to everyone.

To perform transactions with a bank's USSD code, customers must have a bank account linked to their mobile telephone number.

Customers don’t need to go to a bank to register for the USSD code. Registration is done with mobile phones as long as customers can provide a bank's debit card and Biometric Verification Number (BVN).

Various banking transactions can be carried out via the bank’s USSD codes such as buying airtime, opening a bank account, checking your account balance, transferring money to your bank and other banks, and payment of utility bills, etc.

Below is the list of Banking USSD codes in Nigeria:

Access (Diamond) Bank – *901#

EcoBank – *326#

Fidelity Bank – *770#

First Bank – *894#

First City Monument Bank (FCMB) – *389*214#

Guaranty Trust Bank (GTB) – *737#

Heritage Bank – *322*00#

JAIZ Bank – *389*301#

Keystone Bank –  *7111#

Polaris Bank – *833#

Stanbic IBTC Bank – *909#

Sterling Bank – *822#

United Bank for Africa (UBA) – *919#

Union Bank – *826#

Unity Bank – *7799#

Wema Bank – *945#

Zenith Bank – *966#

Other benefits of USSD banking include:

  • Opening an account from anywhere.
  •  A minimum opening balance is not required to open a new account via USSD.
  • Customers have unlimited access to their sister account at any time.
  • The use of the internet is not required
  • USSD banking is available 24 hours a day.
  • Customers are saved from the stress of queuing up in the banking halls


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Felicia Abisola  Olamiji
Felicia Abisola Olamiji

  A graduate of English Language from Olabisi Onabanjo University, passionate about learning new...

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