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Most banks in Nigeria are trying to make transactions easy for their customers,first they introduced topping up your phone from your bank account using your mobile phone.Now they have introduced transferring of money from your bank account to another account using your mobile phone by just dialing a short code.

With USSD code mobile money transfer service, there is no need for you to queue up at the banking hall just to deposit small amount of money. It’s fast, convenient and secure.

In order for this to work you must use the phone number you registered in your account.

Presently not all banks offer this service so we are going to give you the list of the banks that offer this service.


For those banking with wema bank if you want to transfer money to another account all you have to do is to dial *945*NUBAN*AMOUNT#.Example *945*1234567890*20000#.

  • To open an account, simply dial *945*1#.
  • To check your balance dial *945*0#.
  • To recharge your line dial *945*Amount#
  • To recharge for your friends and family dial *945*PhoneNumber*Amount#
  • For cash on the go you dial *945*8*Amount#(Max.20k)
  • To pay for DSTV subscription you dial *945*16*SmartcardNumber#
  • To pay for GOTV subscription you dial *945*17*SmartcardNumber#
  • To pay for STARTIMES subscription you dial *945*18*SmartcardNumber*Amount#
  • To pay for PHCN bills you dial *945*19*MeterNumber*Amount#
  • To pay for SMILE subscription you dial *945*20*IDNumber#
  • To pay for SWIFT subscription you dial *945*21*IDNumber*Amount#
  • For MERCHANT payment you dial  *945*22*MerchantCode*Amount#
  • For LCC payment you dial *945*23*LCCNumber*Amount#


For first bank they made the transaction easier by giving different options to choose from you can either transfer money, pay bills, withdraw money or make purchases.

  • To transfer money, simply dial *894# and select 1.
  • Dial *894# and select 2 to withdraw money.
  • Dial *894# and select 3 to make purchase.
  • Dial *894# and select 4 to pay bills.
  • Dial *894# and select 5 to buy airtime.
  • Dial *894# and select 7 to manage account.







For GTB you also have two options,to transfer to a GTB bank account and to transfer to a beneficiaries in other banks.

To send to a GTB bank account customer should dial *737*1*Amount*NUBAN Account No#.E.g. *737*1*5000*1234567890#.

To a beneficiaries account customers should dial *737*2*Amount*NUBAN Account No# e.g. *737*2*2000*1234567890#.

For this transaction to go through Customers are required to use the last four digits of their GTBank Naira MasterCard to authenticate each transaction. Transfer limit of N1,000 and a daily transfer limit of N20,000.


To transfer money from Fidelity bank account to another bank account, dial *770*Account number*Amount#.E.g *770*0987654321*1000# 

Then select the beneficiary bank Name first bank,access bank or skye bank etc.

Account validation and PIN selection are required by your bank so if its your first time doing the transaction you have to create your PIN by dialing *770#, then you enter your NUBAN Account number (Fidelity bank account number), Select a 4-digit PIN for your account.

The beneficiaries account number will be shown to you before you enter your four digit PIN.This allows you to check if the account number is correct so you wont send the money to the wrong account.

If you have a savings account and a current account with Fidelity bank and you use the same phone number for both accounts,your current account will be debited first before your savings account.

Transfer per transaction is N10,000.Maximum transfer per day is N20,000.


For those banking with Diamond Bank and they use the Diamond bank Y’ello account to Transfer money to any bank Dial *710*777*ACCOUNT NO*AMOUNT*PIN#.

For Diamond Y’ello to Diamond Y’ello Transfers Dial *710*710*PHONE NO*AMOUNT*PIN#.


For those banking with sterling bank before you can use the bank USSD code you first have to register by dialing *822#,a PIN will be required to perform any transaction so after the registration has been completed you will get your PIN.

With the Sterling bank USSD code you can:

  • Register / Activate for your Mobile Money
  • Send money to friends and family
  • Top-up airtime for yourself, friends and family
  • Check your balance
  • Check your last three transactions

1.To top-up your airtime you dial dial *822*Amount#.

  • This must be done with your registered mobile number
  •  Maximum single amount is N2,000

2.To top-up for family & friends you dial *822*Amount*Mobile Number#.

  • Then select your desired service provider either Glo, MTN, Airtel and Etisalat
  • Maximum amount per transaction is N2,000.

3.To submit your BVN you dial *822*3*BVN NO#

4.To submit your BVN (for Non-Interest Banking) you dial *822*4*BVN NO#.

5.To get your BVN NO you dial *565*0#.

6.To check your account balance you dial *822*6*A/c Number#.

7.To retrieve your account number just dial *822*5#.

Please note that this must be done via your registered mobile number.

For other banks that are not listed above we will update you once the USSD codes are available.In the meantime you can use other banking channels like Quick teller to do your transfers.


If you are using Zenith bank and you want to transfer money you dial *966*Amount*Account Number# (e.g. *966*1000*1234567890#) from the phone number you registered with Zenith Bank, then follow the on-screen prompts.

In order for you to be able to use this service or any other services,you first have to register for the USSD banking service.


  1. Simply dial *966*00# with your AlertZ number.
  2. You will be prompted to enter the last 4 digits of your Debit (ATM) card number.
  3. The next page will display your Account Name and you will be prompted to create a 4 digit PIN.
  4. Confirm the 4 digit PIN.
  5. If successful, you will get a message “ Retrieving your balance.
  6. You will receive an SMS with the balances on all your accounts.

You can also perform other transactions like,opening an account,checking account balance and buying of airtime.

To open an account you dial *966*0# and follow the onscreen notification. An account number will be created automatically and sent to you via SMS. Account opening forms are not required for this process. Once you sign up, look out for your ten-digit account number (NUBAN).

To check your account balance on any of your accounts, all you need to do is simply dial; *966*00# on your mobile phone and follow the on-screen notification.

To buy airtime for yourself or for your friends and family you dial *966*Amount*Mobile Number# (e.g. *966*1000*0803456789#) to buy airtime.

You can also win airtime anytime you use the *996# EazyBanking,every hour between 6:00am and 9:00am on Fridays, 966 people will enjoy triple value on airtime purchase. Simply recharge your phone with *996# on Friday mornings and you could be one of them.


For customers of FCMB you need to dial *389*214#,after dialing an FCMB welcome message will appear with these options.

  • 1-Activate with card
  • 2-Activate with Account
  • 3-Activate with Mwallet

You are required to select option 2 by typing 2 and pressing send,after that a message will appear telling you to add your account number to the service.

You will then receive a congratulatory message telling you that you have successfully synchronized.For you to perform any transaction you will have to generate your PIN which will be sent to your phone,to do that you need to call the contact centre on 01-2798800 or you visit any FCMB branch.

For security purposes it is required for you to change your PIN to do that you dial *389*214# then you select security,under security you will select change PIN then you put in your default PIN given to you after that you enter your new four digits PIN when prompted.

After all these steps have been completed you can start using and enjoying FCMB Mobile service.

Please note that you can always Dial *389*214# for subsequent access to FCMB Mobile service.


For ECOBANK customers you have nothing to worry about because with the ECOBANK USSD code you can also perform basic transaction like:

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

To get started you dial*326#.(FOR NIGERIA)

If you are outside Nigeria,countries like Kenya,Tanzania and Uganda you can also dial your country USSD code to perform any transaction.

These are the country codes:

  • Kenya-*335#
  • Tanzania-*150*18#
  • Uganda-*235#


For those banking with Unity Bank you can perform your normal banking transaction like transferring money to other banks.

To get started you dial *389*215#


Skye Bank USSD mobile banking gives you secure and fast way to transfer funds to Skye bank accounts and to other bank accounts.

Skye Bank USSD mobile banking allows you to make bill payments, check account balance, transfer funds etc.

To get started you dial *833#


For those banking with Access bank you can use the USSD banking code for different functions,you can buy airtime,check your balance, open an account,transfer funds,pay bills and also pay marchents.

Opening an account

Opening an account with the USSD code is kind of convenient ,you can open the account without going the bank to fill any form because it can be done straight from you mobile phone.The fascinating thing about these is that no minimum opening balance is required.

To open the account you dial *901*0# and follow the text prompt,there are two ways you can do it you can either open an account by using your BVN number or by providing your personal details as prompted.After providing your details you will receive an SMS with details of your new account number.

Buying of airtime

You can also buy airtime using the USSD code,the service is available to all network subscribers (Glo, MTN, Airtel and Etisalat). Remember that airtime transaction code can only work on phone number connected to your Access Bank Account.




To transfer money

Transferring of money with the code is as simple as riding a bike,it saves you stress of going to the bank,it is fast, convenient and secure.

To transfer to an access bank you dial *901*1*AMOUNT*NUBAN Account Number # e.g: *901*1*1000*1234567890# from your phone number, then authenticate with the last four digits of your BVN.

To transfer to other banks you dial *901*2*AMOUNT*NUBAN Account Number # e.g *901*2*1000*1234567890# from your phone. Then authenticate with the last four digits of your BVN.

Bills payment or marchants

Paying all of your bills is now very easy it can be done anywhere you are.To pay you dial *901*3# and follow the text prompts that show up.

For those using PAYWITHCAPTURE you can also pay your bills at the store using the USSD code simply ask for the Merchant’s code and insert in the USSD to make payments.

To pay you dial *901*3*AMOUNT*MERCHANT ID# .

To generate OTP for paywithcapture transaction you dial *901*4*1#.

To check your account balance

To check your account balance you dial *901*5# on your access bank registered phone number then you provide the last four digits of your BVN.


If you are using UBA and you want to transfer money simply dial *919# from your registered phone number to get started


The most important thing you need to perform your transactions is your mobile number and it has to be the number you have registered with your Heritage Bank account. You don’t need to register for the service, you don’t need any app! Just dial the short code *322*030*, to recharge your line, recharge another person’s line, transfer funds or pay bills etc.


  • You can recharge or perform any other service from the comfort of your home, your office or even while driving!
  • It is available 24 Hours a day, 7 days a week.

To get started below are the ways at which you can transfer money.

  • Self-recharge: *322*030*AMOUNT#
  • Third Party Recharge: *322*030*PHONE NUMBER*AMOUNT#
  • Transfer: *322*030*ACCOUNT NUMBER*AMOUNT#
  • Bill Payment: *322*030*BILLER ID *AMOUNT#, for example, to pay for LCC Dial *322*030*1066*AMOUNT#.

Key billers and their id’s below

  • Swift 4G Subscription (Swift 4G):1033
  • GoTV:1088
  • DSTV:1099
  • DSTV Box Office :1098
  • Startimes :1077
  • LCC toll payments:1066


You can use the USSD mode with all phone types by dialing *322*082# (MTN, AIRTEL & ETISALAT) or *805*082# (GLO only) and follow the steps below to opt-in (register):

  1. Select the Keystone Bank
  2. Enter NUBAN Account Number
  3. Enter any 4 digit number you can remember as the m-Pin
  4. Confirm m-Pin

Customers will need to visit any Keystone Bank branch for full/transfer access.


For those banking with union bank transferring money is very simple,but you have to register your mobile number.Please note that for your transactions to go through ensure that the mobile number you want to register is the same number you used when opening the account.

Dial *389*038# or *826# on your mobile phone to register then follow the on-screen command and start using Union bank mobile USSD banking.

To check your Union bank account balance, send a text message in this format BAL to 20123,your account balance will be sent to your phone.


For those banking with Stanbic Bank you can perform your normal banking transaction like transferring money to other banks.To transfer money simply dial *909# to get started.

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