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Banks, Telcos, Fintech & Government: Fact-Checked

Nigeria USSD Codes

Banks, telecoms, fintech, and government services: transfers, airtime, balance, results, and more.

26
Banks
4
Telecoms
10
Fintech
4
Gov & Utilities
Banks (26) Telecoms (4) Fintech & Loans (10) Gov & Utilities (4)

All Service Providers

Browse or search across all 44 providers

Showing 8 of 44 providers
Guaranty Trust Bank (GTBank)
Commercial Bank · View details →
*737#Tap to copy
Transfer*737*1*AMT*ACCT#
Airtime*737*AMOUNT#
Balance*737*6#
Data Bundle*737*3#
Bills Payment*737*31#
JAMB PIN*737*31*AMOUNT#
Access Bank
Commercial Bank · View details →
*901#Tap to copy
Transfer*901*1*AMT*ACCT#
Airtime*901*AMOUNT#
Balance*901*5#
Data Bundle*901*9#
Bills Payment*901*31#
JAMB PIN*901*31*AMOUNT#
Zenith Bank
Commercial Bank · View details →
*966#Tap to copy
Transfer*966*AMT*ACCT#
Airtime*966*AMOUNT#
Balance*966*00#
Data Bundle*966*3#
Bills Payment*966*7#
JAMB PIN*966*7*AMOUNT#
First Bank of Nigeria
Commercial Bank · View details →
*894#Tap to copy
Transfer*894*AMT*ACCT#
Airtime*894*AMOUNT#
Balance*894*00#
Data Bundle*894*6#
Bills Payment*894*2#
JAMB PIN*894*2*1*AMOUNT#
United Bank for Africa (UBA)
Commercial Bank · View details →
*919#Tap to copy
Transfer*919*AMT*ACCT#
Airtime*919*AMOUNT#
Balance*919*00#
Data Bundle*919*3#
Bills Payment*919*31#
Fidelity Bank
Commercial Bank · View details →
*770#Tap to copy
Transfer*770*AMT*ACCT#
Airtime*770*AMOUNT#
Balance*770*0#
Data Bundle*770*3#
Bills Payment*770*7#
Polaris Bank
Commercial Bank · View details →
*833#Tap to copy
Transfer*833*AMT*ACCT#
Airtime*833*AMOUNT#
Balance*833*6#
Data Bundle*833*9#
Bills Payment*833*2#
Wema Bank (ALAT)
Commercial Bank · View details →
*945#Tap to copy
Transfer*945*AMT*ACCT#
Airtime*945*AMOUNT#
Balance*945*6#
Data Bundle*945*9#
Bills Payment*945*7#
Sterling Bank
Commercial Bank · View details →
*822#Tap to copy
Transfer*822*AMT*ACCT#
Airtime*822*AMOUNT#
Balance*822*8#
Data Bundle*822*9#
Bills Payment*822*2#
Stanbic IBTC Bank
Commercial Bank · View details →
*909#Tap to copy
Transfer*909*AMT*ACCT#
Airtime*909*AMOUNT#
Balance*909*1*1#
Data Bundle*909*2#
Bills Payment*909*3#
Union Bank
Commercial Bank · View details →
*826#Tap to copy
Transfer*826*AMT*ACCT#
Airtime*826*AMOUNT#
Balance*826*0#
Data Bundle*826*3#
Bills Payment*826*7#
Ecobank Nigeria
Commercial Bank · View details →
*326#Tap to copy
Transfer*326*AMT*ACCT#
Airtime*326*AMOUNT#
Balance*326*0#
Data Bundle*326*3#
Bills Payment*326*7#
Keystone Bank
Commercial Bank · View details →
*7111#Tap to copy
Transfer*7111*AMT*ACCT#
Airtime*7111*AMOUNT#
Balance*7111*0#
Data Bundle*7111*3#
Bills Payment*7111*7#
Unity Bank
Commercial Bank · View details →
*7799#Tap to copy
Transfer*7799*AMT*ACCT#
Airtime*7799*AMOUNT#
Balance*7799*0#
Data Bundle*7799*3#
Bills Payment*7799*7#
TAJBank
Non-Interest Bank · View details →
*898#Tap to copy
Transfer*898*1*AMT*ACCT#
Airtime*898*AMOUNT#
Balance*898*0#
Data Bundle*898*3#
Bills Payment*898*7#
Standard Chartered Bank
Commercial Bank · View details →
*977#Tap to copy
Transfer*977*AMT*ACCT#
Airtime*977*AMOUNT#
Balance*977*8#
Data Bundle*977*3#
Bills Payment*977*7#
Globus Bank
Commercial Bank · View details →
*989#Tap to copy
Transfer*989*1*AMT*ACCT#
Airtime*989*AMOUNT#
Balance*989#
Data Bundle*989*3#
Bills Payment*989*7#
First City Monument Bank (FCMB)
Commercial Bank · View details →
*329#Tap to copy
Transfer*329*AMT*ACCT#
Airtime*329*AMOUNT#
Balance*329*0#
Data Bundle*329*3#
Bills Payment*329*7#
Jaiz Bank
Non-Interest Bank · View details →
*773#Tap to copy
Transfer*773*1*AMT*ACCT#
Airtime*773*AMOUNT#
Balance*773*0#
Data Bundle*773*3#
Bills Payment*773*7#
Lotus Bank
Non-Interest Bank · View details →
*5045#Tap to copy
Transfer*5045*AMT*ACCT#
Airtime*5045*AMOUNT#
Balance*5045*0#
Data Bundle*5045*3#
Bills Payment*5045*7#
Optimus Bank
Commercial Bank · View details →
*930#Tap to copy
Transfer*930*AMT*ACCT#
Airtime*930*AMOUNT#
Balance*930*0#
Data Bundle*930*3#
Bills Payment*930*7#
Premium Trust Bank
Commercial Bank · View details →
*858#Tap to copy
Transfer*858*AMT*ACCT#
Airtime*858*AMOUNT#
Balance*858*0#
Data Bundle*858*3#
Bills Payment*858*7#
Parallex Bank
Commercial Bank · View details →
*1242#Tap to copy
Transfer*1242*AMT*ACCT#
Airtime*1242*AMOUNT#
Balance*1242*0#
Bills Payment*1242*7#
Signature Bank
Commercial Bank · View details →
*647#Tap to copy
Transfer*647*AMT*ACCT#
Airtime*647*AMOUNT#
Balance*647*0#
Bills Payment*647*7#
SunTrust Bank
Commercial Bank · View details →
*5230#Tap to copy
Transfer*5230*ACCT*AMT#
Airtime*5230*AMOUNT#
Balance*5230*0#
The Alternative Bank
Non-Interest Bank · View details →
*5050#Tap to copy
Transfer*5050*ACCT*AMT#
Balance*5050#
MTN Nigeria
Telecom Provider · View details →
*310#Tap to copy
Recharge*311*PIN#
Airtime Balance*310#
Data Plans*312#
Borrow/Share*303#
Airtel Nigeria
Telecom Provider · View details →
*310#Tap to copy
Recharge*311*PIN#
Airtime Balance*310#
Data Plans*312#
Borrow/Share*303#
Glo Nigeria
Telecom Provider · View details →
*310#Tap to copy
Recharge*311*PIN#
Airtime Balance*310#
Data Plans*312#
Borrow/Share*303#
T2 Mobile (formerly 9mobile)
Telecom Provider · View details →
*310#Tap to copy
Recharge*311*PIN#
Airtime Balance*310#
Data Plans*312#
Borrow/Share*303#
VFD Microfinance Bank (VBank)
Microfinance Bank · View details →
*5037#Tap to copy
Transfer*5037*1*AMT*ACCT#
Airtime*5037*AMOUNT#
Balance*5037*6#
Bills Payment*5037*7#
OPay
Fintech / Loan Provider · View details →
*955#Tap to copy
Transfer*955*1*AMT*ACCT#
Airtime*955*AMOUNT#
Balance*955*5#
Data Bundle*955*3#
Bills Payment*955*7#
PalmPay
Fintech / Loan Provider · View details →
*861#Tap to copy
Transfer*861*1*AMT*ACCT#
Airtime*861*AMOUNT#
Balance*861*0#
Bills Payment*861*7#
Carbon
Fintech / Loan Provider · View details →
*1303#Tap to copy
Fund Account (Loan Repayment)*1303#
Sparkle
Digital Bank · View details →
*991#Tap to copy
Balance*991#
Moniepoint
Fintech / Loan Provider · View details →
*5573#Tap to copy
Transfer*5573*1*AMT*ACCT#
Airtime*5573*AMOUNT#
Balance*5573*5#
Data Bundle*5573*3#
Bills Payment*5573*7#
FairMoney
Fintech / Loan Provider · View details →
*566*15#Tap to copy
Loan Balance*566*15#
Loan Repayment*566*15#
Migo
Fintech / Loan Provider · View details →
*561#Tap to copy
Loan Balance / Request Loan*561#
Loan Repayment*561#
Renmoney
Fintech / Loan Provider · View details →
*723#Tap to copy
Request Loan*723*73001#
Loan Repayment*723*73001*AMOUNT#
Specta (Sterling Bank)
Fintech / Loan Provider · View details →
*822*28#Tap to copy
Start Loan Application*822*28#
BVN Verification (NIBSS)
Financial Infrastructure Service · View details →
*565*0#Tap to copy
Retrieve My BVN*565*0#
NIN Verification (NIMC)
Government Service · View details →
*346#Tap to copy
Retrieve My NIN*346#
WAEC Result Checker
Government Service · View details →
*920*44#Tap to copy
Buy Result Checker PIN*920*44#
BECE Checker via USSD*944#
DStv, GOtv & StarTimes Subscriptions
Utility Service · View details →
*288#Tap to copy
DStv Subscription*389*9*SMARTCARD#
GOtv Subscription*288#
// HOW IT WORKS

USSD Banking on Any Phone

No internet needed, just dial from any phone

01

Dial the Code

Type your bank's USSD code on your phone's dialer (e.g. *737# for GTBank)

02

Select a Service

Choose from the menu: transfer, buy airtime, check balance, buy data, etc.

03

Enter PIN & Confirm

Follow the prompts, enter your USSD PIN, and the transaction is done instantly.

// FAQ

Frequently Asked Questions

Common questions about USSD banking in Nigeria

USSD (Unstructured Supplementary Service Data) banking allows you to perform banking transactions by dialing a short code (e.g. *737#) on your phone. It works on any phone. No internet or smartphone is required.
No. There is no single universal code that works for every bank. Each bank has its own USSD code (e.g. *737# for GTBank, *901# for Access Bank, *966# for Zenith Bank, *894# for First Bank). See the full list of Nigerian bank USSD codes to find yours.
Most banks charge a small fee per USSD session, typically between ₦3.50 and ₦10 depending on your network provider (MTN, Airtel, Glo, 9mobile).
Yes! USSD banking works on MTN, Airtel, Glo, and 9mobile. However, make sure the phone number you're dialing from is the one registered with your bank.
If you forget your PIN, you can usually reset it by dialing your bank's USSD code and selecting the "Reset PIN" option. You may need your debit card details for verification.
Yes, USSD banking is secure. Transactions are protected by your personal PIN. Never share your PIN with anyone. If your phone is stolen, contact your bank immediately to block USSD access.
// COMPLETE REFERENCE

Nigerian Bank USSD Codes (2025)

Below is a comprehensive list of all Nigerian bank USSD short codes for transfers, airtime purchase, balance enquiry, data bundles, bill payments, and more. These codes work on all networks: MTN, Airtel, Glo, and 9mobile.

BankUSSD CodeTransferAirtimeBalanceData
GTBank*737#*737*1*AMT*ACCT#*737*AMOUNT#*737*6#*737*3#
Access Bank*901#*901*1*AMT*ACCT#*901*AMOUNT#*901*5#*901*9#
Zenith Bank*966#*966*AMT*ACCT#*966*AMOUNT#*966*00#*966*3#
First Bank*894#*894*AMT*ACCT#*894*AMOUNT#*894*00#*894*6#
UBA*919#*919*AMT*ACCT#*919*AMOUNT#*919*00#*919*3#
Fidelity Bank*770#*770*AMT*ACCT#*770*AMOUNT#*770*0#*770*3#
Polaris Bank*833#*833*AMT*ACCT#*833*AMOUNT#*833*6#*833*9#
Wema Bank*945#*945*AMT*ACCT#*945*AMOUNT#*945*6#*945*9#
Sterling Bank*822#*822*AMT*ACCT#*822*AMOUNT#*822*8#*822*9#
Stanbic IBTC*909#*909*AMT*ACCT#*909*AMOUNT#*909*1*1#*909*2#
Union Bank*826#*826*AMT*ACCT#*826*AMOUNT#*826*0#*826*3#
Ecobank*326#*326*AMT*ACCT#*326*AMOUNT#*326*0#*326*3#
Keystone Bank*7111#*7111*AMT*ACCT#*7111*AMOUNT#*7111*0#*7111*3#
Unity Bank*7799#*7799*AMT*ACCT#*7799*AMOUNT#*7799*0#*7799*3#
TAJBank*898#*898*1*AMT*ACCT#*898*AMOUNT#*898*0#*898*3#
StanChart*977#*977*AMT*ACCT#*977*AMOUNT#*977*8#*977*3#
Globus Bank*989#*989*1*AMT*ACCT#*989*AMOUNT#*989#*989*3#
FCMB*329#*329*AMT*ACCT#*329*AMOUNT#*329*0#*329*3#
Jaiz Bank*773#*773*1*AMT*ACCT#*773*AMOUNT#*773*0#*773*3#
Lotus Bank*5045#*5045*AMT*ACCT#*5045*AMOUNT#*5045*0#*5045*3#
Optimus Bank*930#*930*AMT*ACCT#*930*AMOUNT#*930*0#*930*3#
Premium Trust*858#*858*AMT*ACCT#*858*AMOUNT#*858*0#*858*3#
Parallex Bank*1242#*1242*AMT*ACCT#*1242*AMOUNT#*1242*0#N/A
Signature Bank*647#*647*AMT*ACCT#*647*AMOUNT#*647*0#N/A
SunTrust*5230#*5230*ACCT*AMT#*5230*AMOUNT#*5230*0#N/A
Alternative Bank*5050#*5050*ACCT*AMT#N/A*5050#N/A

How to Transfer Money Using USSD Codes in Nigeria

Transferring money via USSD is one of the fastest and most convenient ways to send funds in Nigeria. Here's a step-by-step guide for the top banks:

GTBank USSD Transfer (*737#)

  1. Dial *737*1*AMOUNT*ACCOUNT_NUMBER#
  2. Select the recipient's bank from the list
  3. Enter your 737 PIN to confirm
  4. You'll receive an SMS confirmation

Access Bank USSD Transfer (*901#)

  1. Dial *901*1*AMOUNT*ACCOUNT_NUMBER#
  2. Choose the destination bank
  3. Enter your 4-digit PIN
  4. Confirm the transfer details

Zenith Bank USSD Transfer (*966#)

  1. Dial *966*AMOUNT*ACCOUNT_NUMBER#
  2. Select the recipient's bank
  3. Enter your PIN to authorize
  4. Wait for confirmation SMS

First Bank USSD Transfer (*894#)

  1. Dial *894*AMOUNT*ACCOUNT_NUMBER#
  2. Choose recipient bank from options
  3. Enter your 4-digit PIN
  4. Transaction completes instantly

How to Buy Airtime via USSD in Nigeria

Buy airtime for yourself or others directly from your bank account using USSD codes:

GTBank: Dial *737*AMOUNT# for self, or *737*AMOUNT*PHONE# for others.
Access Bank: Dial *901*AMOUNT# for self or *901*AMOUNT*PHONE# to gift.
Zenith Bank: Dial *966*AMOUNT*1# for self, or *966*AMOUNT*PHONE# for others.
First Bank: Dial *894*AMOUNT# for self or *894*AMOUNT*PHONE# for another line.
UBA: Dial *919*AMOUNT# for self or *919*AMOUNT*PHONE# for others.
Fidelity Bank: Dial *770*AMOUNT# for self or *770*AMOUNT*PHONE# for others.

How to Buy JAMB PIN via USSD in Nigeria

JAMB PIN can be purchased via USSD from select banks. This is useful for students who need to register for JAMB UTME or Direct Entry.

GTBank JAMB PIN

Dial *737*31*AMOUNT# and follow the prompts to purchase your JAMB e-PIN.

First Bank JAMB PIN

Dial *894*2*1*AMOUNT# and select JAMB from the menu.

Zenith Bank JAMB PIN

Dial *966*7*AMOUNT# and follow the JAMB e-PIN purchase option.

Access Bank JAMB PIN

Dial *901*31*AMOUNT# and select the JAMB option.

How to Buy Data Bundles via USSD in Nigeria

Most Nigerian banks allow you to purchase MTN, Airtel, Glo, and 9mobile data bundles directly from your bank account.

GTBank: Dial *737*3# and follow the menu to select your network and data plan.
Access Bank: Dial *901*9# to browse available data plans for all networks.
Zenith Bank: Dial *966*3# and choose from MTN, Airtel, Glo, or 9mobile data bundles.
First Bank: Dial *894*6# to access data bundle purchase options.
OPay: Dial *955*3# to buy affordable data bundles for any network.

USSD Banking Tips for Nigerians

Keep Your PIN Safe

Never share your USSD PIN with anyone, including bank staff. Your bank will never ask for your PIN over the phone.

Register Your Phone Number

Ensure the phone number you're dialing from is linked to your bank account. USSD only works from your registered number.

Check Your Balance Regularly

Monitor your account by dialing your bank's balance check code. Detect unauthorized transactions early.

Works Without Internet

USSD banking works on any phone, even basic feature phones. No smartphone or internet is required.

Low Transaction Fees

USSD transaction fees are typically ₦3.50 – ₦10 per session. One of the cheapest ways to bank.

Instant Processing

USSD transactions are processed in real-time. Transfers are credited instantly with SMS confirmation.

Nigerian Bank USSD Charges Comparison (2025)

USSD charges vary by bank and network provider. Below is a general overview:

NetworkUSSD Session FeeTransfer Fee (₦5,000)Transfer Fee (₦50,000)
MTN₦3.50 – ₦4₦10 – ₦25₦25 – ₦50
Airtel₦3.50 – ₦4₦10 – ₦25₦25 – ₦50
Glo₦3.50 – ₦4₦10 – ₦25₦25 – ₦50
9mobile₦3.50 – ₦4₦10 – ₦25₦25 – ₦50

* Fees are approximate and may vary. Check with your specific bank for the most current charges.

Nigerian Network Provider USSD Codes

In addition to bank USSD codes, here are the major USSD codes for Nigeria's network providers:

MTN Nigeria

*556#: Check airtime balance
*559#: Check data balance
*567#: Buy data bundle
*601#: Borrow airtime

Airtel Nigeria

*123#: Check airtime balance
*141#: Buy data bundle
*141*12#: Check data balance
*500#: Borrow airtime

Glo Nigeria

*124#: Check airtime balance
*777#: Buy data bundle
*124*0#: Check data balance
*321#: Borrow airtime

9mobile / T2 Nigeria

*232#: Check airtime balance
*200#: Buy data bundle
*228#: Check data balance
*665#: Borrow airtime

Related: Nigerian Banking USSD Codes You Should Know

GTBank USSD codeAccess Bank USSD codeZenith Bank transfer codeFirst Bank USSD codeUBA USSD codeFidelity Bank codePolaris Bank codeWema Bank USSDSterling Bank codeStanbic IBTC USSDUnion Bank codeEcobank USSD codeKeystone Bank codeHeritage Bank codeUnity Bank USSDKuda Bank USSD codeOPay USSD codePalmPay USSD codeCarbon USSD codeMoniepoint USSD codeHow to transfer money via USSDBuy airtime via USSD NigeriaCheck bank balance via USSDBuy data via USSD NigeriaJAMB PIN USSD codeNigerian bank codes listUSSD banking Nigeria 2025Bank USSD charges NigeriaTransfer code for all banks*737# USSD code*901# USSD code*966# USSD code*894# USSD code*770# USSD codeNIBSS USSD codesNigeria mobile banking codes
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