No smartphone or data plan needed, just your phone's dialer
01
Type the Short Code
On your phone's regular dial pad, enter the code listed for the bank, network, or provider you want to use.
02
Navigate the On-Screen Menu
An options list appears immediately, select the specific service by entering its corresponding number.
03
Confirm the Transaction
Where a PIN is requested, enter it to finish up, the whole process runs without any app or data connection.
// COMPLETE REFERENCE
Malawi USSD Codes
A running, category-by-category list of every Malawi USSD code verified on this site so far.
Banks
USSD Code
National Bank of Malawi
*626#
FDH Bank
*525#
Standard Bank Malawi
*247#
First Capital Bank Malawi
*130#
MyBucks
*632#
Ecobank Malawi
*326#
NBS Bank
*322#
Telecoms
USSD Code
TNM
*100#
Airtel
*121#
Fintech & Loans
USSD Code
TNM Mpamba
*444#
Airtel Money
*211#
Government & Utilities
USSD Code
MRA
*915#
USSD Banking Tips
Guard Your PIN Closely
Nobody legitimate, not your bank, not your network, will ever ask for your USSD PIN by phone. Sharing it is the single biggest security risk here.
Use the Right SIM
These services are tied to the specific number registered on your account. Dialling from any other SIM, even one you own, won't work.
Make Balance Checks a Habit
Checking your balance periodically through USSD is a fast way to notice anything unusual on your account right away.
No Data Plan Needed
These codes function identically on the cheapest feature phone and the newest smartphone, no internet connection required at any stage.
Related: Malawi USSD Codes You Should Know
National Bank of Malawi USSD codeFDH Bank USSD codeStandard Bank Malawi USSD codeFirst Capital Bank Malawi USSD codeMyBucks USSD codeEcobank Malawi USSD codeNBS Bank USSD codeMalawi Banks USSD codesTNM USSD codeAirtel USSD codeMalawi Telecoms USSD codesTNM Mpamba USSD codeAirtel Money USSD codeMalawi Fintech & Loans USSD codesMRA USSD codeMalawi Government & Utilities USSD codes
// FAQ
Frequently Asked Questions
Common questions about Malawi USSD codes
In simple terms, what is a USSD code?
It's a short number you dial that opens an interactive text menu on your screen, used for banking, airtime, and more, all without needing an app or an internet connection.
How do you confirm the Malawi codes shown here?
Every code goes through a check against the actual provider's own official materials first, unverified copy-paste lists aren't good enough for us.
Does my phone need to be online to use these?
No, these codes run on the same network layer as phone calls and texts, not your mobile data, so they'll work even offline.
Am I going to be charged to use these codes?
Generally the underlying service is free or cheap, with only a possible minor USSD session fee from your network provider, confirm the specifics with them.
When was this Malawi list last checked?
We keep coming back to refresh it, correcting codes that change and calling out any provider that's closed shop, merged, or pulled its USSD service.
What should I do if a provider I use is missing?
Contact them directly for now, they'll have their current code on hand, and we'll be adding more Malawi providers to this page over time.
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