Nigerian Banks and their USSD Money Transfer Codes


This article contains Nigerian Banks and their list of USSD Money Transfer Codes – UBA mobile money transfer, Wema bank mobile money transfer, Access bank mobile money transfer, Zenith bank mobile money transfer, Ecobank mobile money transfer, First bank mobile money transfer, Skye bank mobile money transfer, Stanbic IBTC mobile money transfer, FCMB mobile money transfer, Unity bank mobile money transfer. Gone are the days when people have to go to banks or the ATM to queue in order to send money to loved ones. Technology has made a lot of things easier that with your phone anywhere you are you can control the movement of huge sums of money via USSD…banking on-the-go. Think about the times when you taking a poo in the toilet, suddenly an emergency call comes in telling you to send some money to a particular account as soon as possible, you just had to speed up things in the toilet and dash to the nearest bank ASAP….well you don’t have to do that now as long as you have a phone with a phone number registered and authorized with your bank.

DON’T MISS: how to open a domiciliary account with Nigerian Banks in 2017

All Nigerian Banks USSD Mobile Money Transfer Code

GTBank USSD Money Transfer Code

To transfer money to another GTB account simply dial *737*1*Amount*NUBAN Account No# e.g. *737*1*1000*1234567890# from the mobile number registered with the Bank. (This is accessible using all types of mobile devices).

To make a transfer to other banks simply dial *737*2*Amount*NUBAN Account No# e.g. *737*2*1000*1234567890# from your mobile phone. (This is accessible using all types of mobile devices). Then use the last four digits of your GTBank Naira MasterCard to authenticate each transaction.

To recharge your phone with airtime simply dial *737*amount# e.g.  *737*200#

If you had your GTBank ATM stolen or lost, read how to instantly block the card here.

Wema Bank Money Transfer Code

Wema Bank has made it easy for its customers to bank and make transfers from their fingertips anywhere with the 945 code, they call it a way of life.

To make a bank transfer to any bank account, simply dial *945*BENEFICIARYACCOUNTNUMBER*AMOUNT#. To check your account balance, dial *945*0#, to change transfer *945*00#.

To recharge your phone with airtime from your Wema Account Simply dial*945*AMOUNT# e.g. *945*200#

Access Bank Money Transfer Code

Access Bank partnered with Airtel for customers using the network to be able to make transfers via the USSD code. Various transactions can be simply by dialing *903# and following the on-screen commands from any Airtel enabled mobile phone registered with the bank.

For airtime recharge, Simply dial *901*Amount# e.g. *901*200# to recharge 200 naira airtime.

Zenith USSD Bank Money Transfer Code

Zenith bank are making sure they want to stay at the zenith with the adoption of the USSD transfer method. Just dial *966*00# to get started and follow these simple steps:

Register by entering the last 4digits of your Debit Card
Create and confirm your 4 digit PIN
If successful, you will receive a “retrieving balance” message
An SMS arrives immediately with current available balance

You’ve been registered on the platform now. To buy airtime dial*966*amount*mobile number#, to transfer funds dial*966*amount*mobile number#, to pay bills dial *966*7*amount*SMARTCARD NUMBER#. To check your account balance dial *966*00#

Zenith Bank free Wi-Fi is currently available to use in some branches of the bank, read more here.

Eco Bank Money Transfer Code

Just dial *326# to get started and follow the subsequent commands. You can perform various transactions such as bill payments, airtime recharge and money transfer with Eco bank’s mobile money.

First Bank USSD Money Transfer Code

First Bank surely knows what they have to do to stay first. To transfer money, just dial *894# and select 1; to withdraw money dial *894# and select 2, to make purchase dial *894# and select 3; to pay bills dial *894# and select 4; dial *894# and select 5 to buy airtime. Finally to manage your account dial *894# and select 7.

Fidelity Bank Money Transfer Code

To get started simply dial *770# on your phone and follow the subsequent commands. To transfer money from Fidelity bank to another bank account, dial *770*Account number*Amount# e.g. *770*3016125703*10000#, you will need the last 4 digits of your ATM card to validate the transaction. You can only make a maximum transfer of N10,000 at once. The maximum you can also transfer daily is N20,000.

To recharge your airtime dial “*770*amount# (this is accessible using all types of mobile devices). E.g. *770*200#. To recharge for family and friends, dial *770*Phone no*Amount#. e.g. *770*08023456789*1000#.
Daily Limit is ₦5,000 Naira.

Stanbic IBTC USSD Bank Money Transfer Code

With Stanbic IBTC USSD mobile money transfer code, various transactions such as salary payments, airtime recharge, one-on-one money transfers, goods and bills payments can be done.

Simply dial *909# to get started

To recharge your airtime simply dial *909*amount# e.g. *909*500#. Daily limit is 5000 naira.

Diamond Bank USSD Money Transfer Code

So Diamond Bank has a partnership with MTN. For users to make USSD transfers you must have a “Diamond Y’ello Account”. According to the bank; Diamond Y’ello product is an account combining both financial and telecommunication services as well as loyalty scheme that active MTN customers (targeted mainly at mass market and Youths) can conveniently subscribe to from their mobile phones in line with CBN Financial Inclusion Strategy just by dialing *710#.

To transfer money to any bank, simply dial *710*777*ACCOUNT NO*AMOUNT*PIN#. For Diamond Y’ello to Y’ello transfers dial *710*710*PHONE NO*AMOUNT*PIN#. To check you bank account balance, dial *710*556*PIN#.

To recharge your phone with airtime, simply dial *710*555*PHONE NO*AMOUNT*PIN#

First City Monument Bank (FCMB) Money Transfer Code

Account holders are to dial *389*214# from their mobile phone. Three options are displayed on the phone screen alongside a welcome message.

1. Activate with card

2. Activate with Account

3. Activate with Mwallet

Choose option 2 to activate with account number. Afterwards call FCMB Contact Centre on 01-2798800 to generate a PIN for your transactions, this will be sent within minutes. Further dial *389*214# on your phone, navigate to Security then select Change PIN from the on-screen commands. Enter the default PIN issued to by the bank then enter your new 4-digit PIN. Your USSD mobile transfer is now fully activated, for subsequent transactions dial *389*214#.

UBA Money Transfer Code

United Bank of Africa (UBA) is one of the oldest and most reliable in the country. The UBA mobile banking offers ease to various transactions such as money transfer, bill payments, airtime recharge, etc.

Simply dial *919# from a UBA registered mobile number to get started.

Skye Bank Money Transfer Code

With Skye Bank’s USSD mobile money transfer code, various transactions such as salary payments, airtime recharge, one-on-one money transfers, goods and bills payments can be done.

Simply dial *833# to get started

Unity Bank Money Transfer Code

Dial *389*215# to get started with Unity Bank’s Mobile banking on-the-go. Various transactions such as utility payments, airtime recharge, one-on-one money transfers, goods and bills payments can be done.

Sterling Bank Money Transfer Code

With Sterling Bank’s *822# code, you can bank on-the-go from anywhere. Dial *822# to get started and create a PIN code to authenticate transactions, note that for every transaction you will be charged a sum of N5.

Standard Chartered Bank Money Transfer Code

Like all other banks you must have a phone number registered or linked with your bank account to use this service. After this has been done you can now use Standard Chartered Bank USSD money transfer code.

  • Dial *120*2345# to get started, then dial 1 to continue your registration
  • You will be prompted to enter full Standard Card Debit Card number
  • Enter your ATM PIN afterwards
  • Enter full ID Number
  • Accept terms and conditions then proceed to create new PIN
  • Enter new PIN from the next on-screen command
  • You now see a welcome screen. Press 1 to continue banking.

Posted by Abiodun

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  2. am done with registration with my Ecobank mobile transfer,and I gave them my registered phone number. How do I now transfer my money?

  3. I tried transferring with my stanbic account but its was saying insufficient fund nd I should add money to the wallet bt I have money in the account.pls what can I do

    • You still need to fund your wallet even if you have money in your account. After dialing *909#, locate the wallet menu, follow the on-screen command and fund your e-wallet.

  4. have been trying to transfer money from diamond bank to other bank but it’s not going telling me connection problem or invalid mmi code… and to get the transfer pin.. I don’t know… I dial *426# to create pin is not going either

  5. Pls I transferred money from my ecobank to a diamond bank account and I have been debited but the person I transferred the money to have not received alert since two weeks I did the transfer

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