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:
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