ALL Nigerian Banks Transfer Codes and USSD

Nigerian Banks Transfer Codes and USSD

Have you ever been in the middle of an online banking session and just wish you could do something specific but didn’t know how?

Or maybe you were performing a mobile money transaction on your phone but couldn’t remember the right code to use? 

If so, then this Nigerian bank USSD codes list that we’ve compiled will come in handy. 

It contains all of the USSD codes that you can use to perform all sorts of functions within your mobile banking platform.

Benefits of USSD banking

With Mobile Banking, you can do most of your banking transactions while on the go, ensuring no more waiting in long queues at your bank branch. 

There’s also no need to travel a long distance and spend lots of money on gas just to get cash. Check out some other benefits: 

  •  You don’t have to carry cash with you;
  •  You can transfer funds between accounts;
  •  You can check your account balance; 
  • Pay bills and buy loads (top up)
  • Make international transfers; etc. Some banks may not support all these features, but many banks support most or all of them. So go ahead and enjoy all these benefits! 

What’s the code for sending money

USSD is an acronym for Unstructured Supplementary Service Data, which means a protocol or channel that allows you to send instructions to your bank by entering numbers directly on your phone. 

To use USSD banking, you must be on one of these networks: Airtel, MTN, and GLO. The good news is that most cell phone devices support USSD; it’s a matter of turning it on and registering your account with your bank.

Access Bank *901#
ALAT Bank *945#
Ecobank *326#
Fidelity Bank *770#
FCMB  *329#
First Bank *894#
GTBank *737#
Heritage Bank *745#
Keystone Bank *7111#
Polaris Bank *833#
Stanbic IBTC Bank *909#
Sterling Bank *822#
UBA *919#
Union Bank *826#
Unity Bank *7799#
Wema Bank *945#
Zenith Bank *966#


1.) First Bank Transfer code

FirstBank offers access to its mobile services through an automated voice response system known as Virtual Branch Access(VBA). 

Customers are able to use VBA services by dialing *894# from their registered mobile phone numbers

2.) ALAT USSD Code

ALAT has a range of service offerings which include bill payments, money transfers, airtime top ups and funds transfer between accounts. 

ALAT customers can access these services via a USSD code on any network with a valid PIN. 

 The branch offices are located at Accra, Ghana and Lome, Togo. GTBank Ghana Limited is incorporated as a limited liability company under Ghanaian law with authorized capital of GH¢25 million (N4 Billion).

Wema bank by Alat Transfer Code is, *945#

3.) Heritage Bank Transfer code

It is one of Nigeria’s premier commercial banks, with a customer base in excess of 2.5 million. 

The Bank has over 1,500 employees and a network of over 500 branches spread across the six geo-political zones in Nigeria. Heritage Bank is licensed by both CBN and FRSC as a universal bank.

 It was established on October 17, 1992 to provide banking services to customers through innovative financial products while supporting corporate growth in Sub-Saharan Africa using world-class global standards.

Heritage bank transfer Code is *745*0#

4.) Keystone Bank Transfer code

Keystone Bank Limited (Keystone Bank) is a commercial bank in Nigeria.

 The Bank was incorporated in Nigeria on January 1, 2004 and commenced operations in September 2004. It is a member of Keystone Group of Companies.

 The bank’s headquarters are located at No. 12A, Oniru Street, Victoria Island Lagos State with other branches at Ikoyi, Ikeja and Lekki areas of Lagos State; as well as at Abuja FCT. 

The Bank offers a wide range of products and services to its customers through its network of branches across all major cities in Nigeria including Lagos, Abuja and Port Harcourt; with plans to open additional branches nationwide over time.

Keystone Bank transfer Code is *7111#

5.) Polaris Bank Transfer code

Polaris Bank is a leading commercial bank in Nigeria that provides banking services through its network of branches, ATMs and call centers. 

The bank’s head office is located in Lagos. It was founded in 1982 by Mr. Adebayo Ogunlesi as First City Monument Bank (FCMB). In 2005, it was renamed to First City Bank (FCB) after merging with First International Merchant Bank (FIMB).

 On December 15, 2006 FCB merged with United African Insurance Company to form what is now known as FCMB Group.

 In 2008, it acquired all assets and liabilities of Afri-Bank Plc to become one of Nigeria’s largest banks based on asset size.

Polaris bank Transfer Code is *833#

6.) Stanbic IBTC Bank transfer code

The Stanbic IBTC Bank, like most banks in Nigeria, offers two mobile banking channels: USSD and SMS. 

Whether you’re an existing customer or a potential customer who wants to access Stanbic IBTC’s account via your mobile phone, you can easily do so by using your phone’s dial pad. 

Here are all of Stanbic IBTC Bank’s USSD and SMS codes for existing and potential customers.

Stanbic IBTC Bank Transfer Code is *909#

7.) Sterling Bank transfer Code

The Sterling Bank, a member of Access Bank Group (ABG), is one of Nigeria’s leading indigenous banks.

The Sterling bank has approximately 397 branches nationwide, equipped with over 3,200 Automated Teller Machines (ATMs) and more than 1,800 POS Terminals.

Sterling Bank USSD Code is *822#

8.) UBA Transfer code

Union Bank of Nigeria (UBA) is one of Nigeria’s largest financial services providers with more than three million customers spread across 16,000 branches in all geo-political zones of Nigeria.

 It employs over 20,000 people and offers a full suite of financial products and services. The bank has headquarters in Lagos, Abuja and Kano.

 UBA transfer code is *919#

9.) Union Bank transfer code

The Union Bank of Nigeria (UBN) is a universal commercial bank based in Lagos, Nigeria.

 It is licensed by Nigeria’s Central Bank, the Central Bank of Nigeria (CBN), and operates as a regulated financial institution in Nigeria. The Union Bank of Nigeria was founded on 21 July 1990. 

The bank has its headquarters in Victoria Island, Lagos. The stock of UBN is listed on Nigeria’s Stock Exchange under UBN with symbol: UNIONBANK. 

In 2014, it had total assets valued at about $3 billion USD; by June 2015 that number increased to $4 billion USD.

Union Bank Transfer Code is *826#

10.) Unity Bank transfer code

The Unity Bank mobile banking app allows users to: view their account balances, transfer funds to other bank accounts, pay for goods and services via mobile bill payments (mBOPs), purchase airtime, request microcredit loans and lots more. 

To make a transaction using Unity Bank’s mobile app, you need to be registered with them. To register, dial *345# on your phone or visit any of their branches nationwide. Once you’ve registered, go ahead and download their mobile banking application from Google Play Store or Apple App Store. 

For security reasons, you will be required to set up a 4-digit pin code before accessing your profile details in order to protect your account from unauthorized access when making transactions online or offline.

Unity Bank USSD Code is *799#

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