All Banks USSD Codes For Transferring Money Using Your Mobile Phone In Nigeria


Technology has been growing at a very fast rate and the Banking system has also been moving with it. Right now one can easily make transfers no matter where you are using your mobile phones. I’ll be listing the transfer codes for all Nigerian Banks available here. By just dialling some few codes your transfer will be made with immediate effect. You no longer have to go to the banking hall again to do this and guess what,  it is very easy to use.

I will give a list of all available USSD codes for money transfer for all Nigerian banks.

Credit goes to nairabrains for this compiled list

Guaranty Trust Bank (GTBUSSD Transfer Code

To make transfers to any GTBank account, simply dial *737*1*Amount*NUBAN Account No# e.g. *737*1*1000*0234047333# from your mobile number registered with the Bank.

For transfers to individuals in other Bank’s, all you have to do is simply dial *737*2*Amount*NUBAN Account No# e.g. *737*2*1000*0234047333#. You will then be required to input the last four digits of your GTBank Naira MasterCard to complete 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 Transfer Code

To make money transfers 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 given by any bank.

Example; if you want to transfer N2000 from your fidelity account to someone’s Firstbank account, dial *770*1234567890*2000# from the mobile number registered 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 transfer. The recipient account number will be shown to you before you enter the your PIN. This let’s you verify that you’re not sending money to a wrong account.

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If you have never made use of this 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.

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

First Bank USSD 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 Transfer Code

For Wema Bank customers, simply dial *322*035*NUBAN*AMOUNT#

The Wema Quick Recharge Code should only be used with the phone number registered with the bank

Diamond Bank USSD 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 Transfer Code

To make transfers from your Eyeball account all you have to do is Dial *326# to get started.

Zenith Bank USSD Transfer Code

Zenith Bank’s 966 Mobile Banking allows you to open an account, check balance, load airtime or transfer money to another account.

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 (FCMBUSSD 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

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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 Transfer Code

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

Simply dial *389*215# to get started

United Bank for Africa (UBAUSSD  Transfer Code

United Bank for Africa (UBA) USSD mobile banking gives you secure and fast way to recharge airtime, submit/update BVN Number and transfer funds to UBA bank accounts and to other bank accounts.

Simply dial *919# from your registered phone number to get started

Skye Bank USSD Transfer Code

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 hassle-free and conveniently.

Simply dial *833# to get started

Sterling Bank USSD Transfer Code

Sterling Bank USSD provides a smarter way of banking using *822#:

To get started, just dial *822# on the phone number linked to your sterling bank account and follow the prompts accordingly.

Note that N5 will be deducted from your airtime balance everytime you dial the sterling bank ussd code on your phone.

A PIN will also be required to complete transactions via the ussd code. You will get the pin when you register for the Sterling bank *822# service.

Heritage Bank USSD Transfer Code

All you need is the mobile number you have registered with your Heritage Bank account.

You can recharge your line, recharge another person’s line, transfer funds or pay bills by just sending the required code.

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Self-recharge – *322*030*AMOUNT#

Third Party Recharge – *322*030*PHONENUMBER*AMOUNT#

Transfer Money – *322*030*ACCOUNTNUMBER*AMOUNT#

Bill Payment – *322*030*BILLER ID *AMOUNT#, for example, to pay for LCC Dial *322*030*1066*AMOUNT#

KeyStone Bank USSD Transfer Codes

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.

Union Bank USSD Transfer Codes

But for now, Union Bank has just one feature enabled in its SMS banking; which is the “Check your balance”. According to Union Bank, other features like transfer funds, view transaction history, etc will be introduced with time.

You can check Your Account Balance By texting Bal to 20123 from The Phone Number registered to your Bank Account

If your bank wasn’t listed here, you can let us know using the comment section

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