OGUGUA BELONWU Last Updated: May 08, 2018
It first started with USSD recharge code for topping up mobile airtime, now many banks have improved the service to include money transfers and bill payments all with just a USSD code. By just dialing some short code on your mobile phone, you can now transfer money to anyone, to any bank and anywhere. I can’t remember the last time I entered a banking hall to deposit money, either I use USSD code for money transfer or I use internet banking.
With USSD code mobile money transfer service, there is no longer need to go queue up at the banking hall just to deposit small amounts of money. It’s fast, convenient and secure.
Today we will list all available USSD codes for money transfer for all Nigerian banks that offer the service currently.
This is a service that allows you to transfer money or pay bills instantly by dialing a short code from your mobile phones.
Guaranty Trust Bank (GTB) USSD Money Transfer Code
To initiate transfers to a GTBank account, simply dial *737*1*Amount*NUBAN Account No# e.g. *737*1*1000*1234567890# from the mobile number registered with the Bank.
For transfers to beneficiaries in other Bank’s, customers should simply dial *737*2*Amount*NUBAN Account No# e.g. *737*2*1000*1234567890#. Customers will then require the last four digits of their GTBank Naira MasterCard to authenticate each transaction.
The *737* Transfer service is only available to GTBank customers via their mobile phone numbers registered with the Bank and has minimum transfer limit of N1,000 and a daily transfer limit of N20,000. Your daily limit can be up to N200, 000 or more
Fidelity Bank USSD Money Transfer Code
To transfer money from Fidelity bank account to another bank account, simply dial this *770*NUBAN Account number*Amount#; NUBAN Account number is the 10 digit account number issued by any bank.
Example; if you want to transfer N1000 to someone’s First Bank account, dial *770*1234567890*1000# from the mobile number registered/linked with your Fidelity Bank account.
Then select the beneficiary bank Name (First bank).
Access bank
First bank
Diamond bank etc.
Enter your transfer PIN to confirm the transfer. The recipient account number will be shown to you before you enter your PIN. This lets you verify that you’re not sending money to a wrong account.
If you haven’t used the service before, you will be requested to create one. You can dial *770#, Enter your NUBAN Account number (Fidelity bank account number), Select a 4-digit PIN for your account.
If you have two accounts with Fidelity bank, let say current and saving account and you’re using 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
First Bank USSD Money Transfer Code
First bank USSD code allows you to 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; and dial *894# and select 7 to manage account.
Wema Bank USSD Money Transfer Code
For Wema Bank customers, the quick codes for *945# are:
The Wema Quick Recharge Code should only be used with the phone number registered with the bank
Diamond Bank USSD Money Transfer Code
For Diamond Bank Y’ello account holders, 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 other Diamond account holders check options below.
Ecobank USSD Money Transfer Code
With Ecobank Mobile Banking you can do all your banking on your mobile phone. You can make instant transfers, check balances, pay bills, Read mini-statements, Buy airtime.
Dial *326# to get started
Zenith Bank USSD Money Transfer Code
Zenith Bank’s 966 Mobile Banking allows you to open an account, check balance, load airtime or transfer money to another account.
1. To create a bank account simply dial *966*0# and follow the onscreen prompts.
2. To check for balances on any of your accounts, all you need to do is simply dial; *966*00#
3. To load airtime simply dial *966*Amount*Mobile Number# on your phone
To transfer money to another account
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.
First City Monument Bank (FCMB) USSD Money Transfer Code
To use FCMB mobile banking service
Dial *389*214#
FCMB Welcome Message is displayed with the following options
1.Activate with card
2.Activate with Account
3.Activate with Mwallet
Choose option 2 by typing 2 and send
Enter your account number
Call Contact Centre on 01-2798800 or visit any FCMB branch to generate your PIN.
Once you got your PIN Dial *389*214# on the phone and click on Security, Select Change PIN to enter your default PIN and enter your new four digits PIN when prompted
Dial *389*214# for subsequent access to FCMB Mobile service
Unity Bank USSD Money Transfer Code
Unity Bank USSD mobile banking gives you a secure and fast way to transfer funds to Unity bank accounts and to other bank accounts.
Simply dial *389*215# to get started
United for Africa (UBA) Money Transfer Code
UBA like other Nigerian banks, supports USSD mobile transfer code to enable safe and fast transfer of funds.
The following steps are to be taken to use the UBA 919 mobile banking.
Alternatively, you can use a direct transfer method.
1. Dial *919*3# and follow the on-screen instructions to transfer to UBA.
2. Dial *919*32# and follow the on-screen instructions to transfer to UBA prepaid card.
3. Dial *919*4# and follow the on-screen instructions to transfer to other banks.
To Check Account Balance.
1. Dial *919# from the number registered to your phone number.
2. Enter 6 to check your account balance.
You have a daily transfer limit of up to 1,000,000 (1 million) Naira.
Sterling Bank Money Transfer Code
With sterling bank mobile transfer code that works like magic, you can buy airtime for yourself and others, transfer funds within Sterling (intra-bank) and other banks (inter-bank), map BVN to your account, check your account balance, get your account number and open a tier 1 account.
You can transfer money by dialing *822# and follow the prompt OR dial *822*4*AMOUNT*NUBAN# and to other banks by dialing *822*5*AMOUNT*NUBAN#. Charges apply
You can also buy airtime by simply dialing *822*AMOUNT# for yourself and *822*AMOUNT*MOBILE NO# for others.
To check your account balance, just dial *822*6# as well as get your account number by dialing *822*8#. You can also dial *822# and select 6 to check your balance or 8 to check your account number. Charges apply
Transfer Limit
You can transfer up to N50, 000 per transaction and N100, 000 daily limit for savings and current account.
Heritage Bank Money Transfer Code
To transfer money using the Heritage transfer code is simple and easy. All you need to do, is to have your phone number registered with the bank, and then make sure you use any of these Nigerian networks; MTN, GLO, 9 mobile and Airtel.
To transfer money from heritage bank account dial *322*030*Account Number*Amount# and follow the on-screen command to complete the transaction. For example, you want to transfer N60, 000 – dial *322*030*0065127893*20000#. After the transfer, you would receive an SMS informing you that your transfer was successful.
To recharge your phone with airtime, simply dial *322*030*Amount# – for example if you want to recharge N2000, dial *322*030*2000# and send. For other phone numbers, dial *322*030*Mobile Number*Amount#.
To check your account dial *322*030# and follow the on-screen command.
Keystone Bank USSD Money Transfer Code
The Keystone USSD money transfer code is convenient, secure and easy to use.
To initiate transfers to a Keystone Bank account and beneficiaries in other banks, simply dial *533*Amount*NUBAN Account No# from the mobile number registered with the bank.
Also, you can top-up your airtime by dial *533*Amount# and third-party top-up can be done by dialing *533*Amount*Phone number#.
Customers will then require the four digits PIN created at registration to authenticate each transaction”.
Skye Bank USSD Money Transfer code
To use the convenient Skye bank USSD transfer code, you must activate the 833 code using your registered phone number with Skye Bank. To register, dial *833# on your registered Skye Bank phone number.
How to Buy Airtime with Skye Bank 833 USSD Code
To buy airtime using Skye Bank *833# USSD Code, dial *833*amount# on your registered phone number. E.g. *833*200# to purchase N200 airtime credit.
How to Check Your Account Balance with Skye Bank 833 USSD Code
1. To check your account balance using Skye Bank *833# USSD code, dial *833#
2. Reply the USSD prompt with option 6 for balance
The Skye Bank transfer USSD code is could be used for transfers to Skye bank or other banks.
To Transfer Money from Skye Bank to Skye Bank
1. Dial *833#.
2. Reply the USSD prompt with Option 3 for Transfer
3. Reply with the Amount and Account Number
4. Enter your 4-digit pin created during registration
5. You will get a notification saying your transfer was successful or failed
To Transfer Money from Skye Bank to Other Bank
1. Dial *833#.
2. Reply the USSD prompt with Option 3 for Transfer
3. Reply with the Amount and Account Number
4. Enter your 4-digit pin created during registration
5. You will get a notification saying your transfer was successful or failed
Also note that you cannot transfer more the N20, 000 in a day.
Access Bank USSD Money Transfer Code
To enjoy the secure service of access bank USSD money transfer code, simply dial *901*1*AMOUNT*NUBAN Account Number# (e.g. *901*1*1000*1234512345#) from your phone number.
Authenticate using a four (4) digit security code. You can create a security code using the Menu option.
To transfer to other banks
1. Dial *901*2*AMOUNT*NUBAN Account Number# e.g. *901*2*1000*1234512345#) from your phone.
2. Authenticate using a four (4) digit security code. You can create a security code using the Menu option.
For airtime top-up
Just dial *901*Amount# (e.g. *901*1000#) on your phone, wait for the success message and start making calls. (For self)
For family and Friends dial *901*Amount*Phone Number#.
To check your account balance dial *901*5# on your Access Bank registered phone number. Authenticate using a four (4) digit security code (You can create a security code using the Menu option). Your account balance is immediately generated after this has been provided.
Stanbic IBTC USSD Money Transfer Code
To enjoy Stanbic IBTC money transfer code, simply dial *909* the account number* the amount# and then follow the on-screen prompt. To use this service, you must have registered your phone number.
To transfer to other banks dial *909# then follow the on-screen instruction.
Union Bank USSD Money Transfer Code
To use the union bank USSD code, you must first register the code Just dial the code to register. The registration is only done after you dial the numbers for the first time. Thereafter which select the option ‘Mobile Banking’ and enter your account number. You must also register the phone you used in line with the bank.
NEXT You MUST Increase your Transfer Limit by Dialing *826*8# and enter your ATM CVV Code (Last 3 digits behind Card) and also your ATM PIN.
To Buy Airtime
To buy airtime for yourself simply dial *826*amount# or if for another person, dial *826*amount*recipient's number#, select the number it belongs to, thereafter which you will be asked to enter your 4 digits PIN number to confirm purchase. If successful, a message will be sent to you.
To Transfer Funds from Union Bank to Union Bank
To transfer funds, dial *826*1*amount*account no#. Confirm the name you’re sending to is correct. Then your 4 digit PIN will be required to complete the transaction. Thereafter which you will receive a message alert confirming the transaction successful.
To Transfer Funds from Union Bank to Other Banks
1. Dial *826*2*amount*account no#
2. Select the bank you are transferring to (1, 2, 3 etc.)
3. Confirm the name of the person and amount is correct.
4. Enter your 4 digit PIN. A message will be sent to your registered number showing the transaction successful.
Alternatively, you can also use Quick teller to make money transfer to bank accounts in Nigeria with your phone number or account number. Well, this is an alternative to your online banking platform, Quick teller also allows you to transfer money from your account to other bank accounts in Nigeria provided you have either a verve or MasterCard, VISA ATM card.
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