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In Nigeria, Unstructured Supplementary Service Data (USSD) has become a convenient tool for carrying out essential banking and payment services without the need for a smartphone or data connection. From opening bank accounts to transferring funds and checking balances, USSD offers a fast, secure, and easy method that works on all types of mobile phones.
Below is a comprehensive list of the most important USSD codes used by leading banks and a few fintech providers in Nigeria. Note that these codes typically require you to use the phone number linked to your bank or fintech account. Also, some newer fintech companies may rely solely on mobile apps or web interfaces without dedicated USSD codes.
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Traditional Banks’ USSD Codes
Below are the main USSD codes for Nigeria’s major banks. Simply dial the relevant code on your phone and follow the on-screen prompts. You may be asked to create or enter a security PIN before carrying out any transaction.
- Access Bank
- USSD Code:
*901# - Services: Account opening, balance inquiry, airtime purchase, transfers, bill payments.
- USSD Code:
- GTBank (Guarantee Trust Bank)
- USSD Code:
*737# - Services: Money transfer, bill payment, airtime purchase, account opening, and balance check.
- USSD Code:
- Zenith Bank
- USSD Code:
*966# - Services: Balance check, transfers, airtime top-up, account opening, bill payments.
- USSD Code:
- First Bank of Nigeria
- USSD Code:
*894# - Services: Transfers, airtime purchase, bill payments, BVN check, mini statement.
- USSD Code:
- United Bank for Africa (UBA)
- USSD Code:
*919# - Services: Transfers, airtime top-up, bill payments, account opening.
- USSD Code:
- Fidelity Bank
- USSD Code:
*770# - Services: Transfers, balance inquiry, buy airtime, open an account.
- USSD Code:
- FCMB (First City Monument Bank)
- USSD Code:
*329# - Services: Transfers, account balance, airtime/data purchase.
- USSD Code:
- Union Bank
- USSD Code:
*826# - Services: Funds transfer, balance check, airtime purchase, account opening.
- USSD Code:
- Sterling Bank
- USSD Code:
*822# - Services: Transfers, check balance, airtime purchase, pay bills.
- USSD Code:
- Wema Bank
- USSD Code:
*945# - Services: Transfer money, check balance, pay bills, open an account.
- USSD Code:
- Polaris Bank
- USSD Code:
*833# - Services: Balance inquiry, transfers, bills payment, airtime purchase.
- USSD Code:
- Ecobank
- USSD Code:
*326# - Services: Transfers, balance check, purchase of airtime, opening an account.
- USSD Code:
Fintech USSD Codes
Many fintech companies in Nigeria operate primarily through mobile apps, offering features such as budgeting tools, virtual cards, and quick loans. However, a few have ventured into providing USSD services for users who have limited internet access. Below are some examples:
- OPay
- USSD Code:
*955# - Services: Transfer funds, pay bills, buy airtime.
- Note: You must have an existing OPay wallet and link your phone number.
- USSD Code:
- PALMPAY
- At the time of writing, PalmPay focuses mostly on its mobile app. A dedicated USSD code is not widely publicized. Check the PalmPay app or official website for any future updates.
- Kuda
- No Dedicated USSD: Kuda Bank offers a mobile-only service using its smartphone app. Kuda does not currently have a general USSD code for transactions.
- Carbon (Paylater)
- Primarily an app-based service for loans, transfers, and bill payments. No general USSD code is available at this time.
- MoMo PSB (MTN)
- USSD Code:
*671#(in some regions) - Services: Airtime, transfers, cash withdrawals, bill payments.
- Note: Implementation may vary; confirm availability in your area.
- USSD Code:
If you are unsure about any fintech USSD code or you do not see your preferred fintech provider listed here, check their official website or reach out to their customer support. Some are rolling out USSD solutions gradually.
General Tips for Using USSD Codes
- Use the Correct Registered Phone Number: Ensure the SIM you are using is the same one registered with your bank or fintech account.
- Create a Secure PIN: Most USSD services will prompt you to create a transaction PIN. Keep it confidential to prevent unauthorized transactions.
- Network Availability: If you experience delays or error messages, try again when network coverage is stronger.
- Watch Out for Charges: While some banks offer free USSD transactions, others may charge a nominal fee. Confirm with your bank/fintech.
- Keep Codes Updated: Banks and fintech providers may update or change their USSD codes. Always verify the latest codes via official channels or customer support.
Conclusion
USSD codes make banking services and fintech solutions more accessible to all Nigerians, including those without reliable internet access or smartphones. Whether you’re checking your balance, transferring money, or purchasing airtime, the convenience of dialing a short code can save time and effort.
For additional information or troubleshooting, reach out to your bank or fintech provider’s customer service. Always stay informed of any updates or changes to ensure you make the most of these quick and secure services.