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Bank codes has been very useful to everyone, and there’s barely a bank that doesn’t have a USSD code to transfer money, buy airtime, buy data, pay for cables TV, pay bills, check account balance and do many other things to save stress.BANK CODES

The amazing part of bank USSD is that you can make some transaction on your account without stepping out of your comfort zone or the need to queue at the bank. Everyone is not privileged to have a smartphone or a computer to internet banking.

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However, Unstructured Supplementary Service Data (USSD) has extended the privilege to make bank transactions without an internet service.

This page will help you with the list of USSD code for all banks in Nigeria to open account, block account, transfer money and many more. Do well to follow the article.

Read Also: Check Access Bank Account Balance 2022 Using USSD Code


At this stage we will be listing all banks USSD codes on how to transfer money, but before we move further, let’s get to know the benefit attached to using USSD codes.

USSD codes help you to do many bank transactions in your convenience like;

  • Buying airtime directly from your bank.
  • Open account
  • Check your BVN
  • Buy data
  • Transfer money
  • Buy airtime for a friend
  • Paying bills
  • Update BVN, etc.


Wema bank is a commercial bank licensed by the Central Bank, and its transfer code is *945# this code will do many transaction on how you use it.Information Guide Nigeria

  • ToTransfer Money; *945*beneficiary account number*amount# For example; dial *945*1234567890*1000# on your phone using the number connected with your WEMA bank account.


  • To Buy Airtime; *945*phone number*amount# e.g. *945*12345678901*100#


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  • To Buy Data;you can buy data directly from your bank by dialing *945# and follow the process to complete your transaction. You can as well dial *945*Amount# e.g. *945*500#


  • To Pay For Cable TV; *945*10#
  • For DSTV: *945*11# you can as well use *945*11*smartcard number#
  • For GOTV: *945*12# you can as well use *945*12*smartcard number#
  • For Startimes: *945*13# you can as well used *945*13*smartcard number#

Read Also: How to Check 9mobile Account Balance via App and USSD 2022

  • To Pay Bills:In paying electricity bills, the state you reside determines the code you use.
  • For Portharcourt: *945*33*meter number*amount#
  • For Kano: *945*32*meter number *amount #
  • For Kaduna: *945*31*meter number*amount#
  • For Jos:*945*30*meter number*amount#
  • For Enugu: *934*29*meter number*amount#
  • For Abuja: *945*28*meter number*amount#
  • For Ibadan: *945*27*meter number*amount#
  • For Ikeja: *945*26*meter number*amount#
  • For Lagos: *945*25*meter number*amount#


  • To Check Account Balance: *945*0#
  • To check BVN: *945*4#
  • Block ATM card:
  • To open account: *945*1#

To make this easy for us, let’s know all Nigeria banks transfer codes

Wema bank                             *945#

Zenith bank                             *966#

Eco bank                                 *326#

Guaranty Trust bank               *737#

Polaris bank                             *833#

FCMB Bank                           *329#

First bank                                *894#

Fidelity bank                           *770#

Sterling bank                           *822#

Stanbic IBTC bank                 *909#

UBA bank                               *919#

Access bank                            *901#

Unity bank                              *779#

Heritage bank                          *745#

With this USSD codes, you can make any transaction be it to transfer money, buy airtime, and buy airtime for a friend, pay bills, and check account balance, check BVN and many more. Just follow the process as you dial.

Read Also: Zenith Bank Code: Complete Guide to Activate Zenith Bank USSD Code

Access Bank

Access bank transfer code is*901# which is use to make complete many commands

To buy airtime for self: *901*amount#

To buy for others: *901*amount*phone number#

To open an account: *901*0#

To buy data:*901*8#

To check balance enquiry: *901*5#

To transfer money to someone using Access bank as well; *901*1*amount*account number#

To transfer to other banks: *901*2*amount*account number#

For merchant payment: *901*3*amount*merchant code#

To pay bills: *901*3#

OTP Generation: *901*4*1#

Sterling Bank

For sterling bank easy access, dial *822# and it helps to completes as many transactions you want to complete.

To buy airtime for self: *822*amount#

To buy for others: *822*amount*phone number#JAMB Form

Transfer money to sterling bank: *822*4*amount*NUBAN#

Transfer to other banks: *822*5*amount*NUBAN#

To check account balance: *822*6#

To check account number: *882*8#

To open an account:*822*7#JAMB Result

To reset pin:*822*9#

First Bank

First bank transfer code is *849#it can be used to transfer funds, check BVN, pay bills, open an account with First bank and many more functions.

First bank transfer code is *894#, but to make your transaction faster, use these;

To register:*894*0#

To buy airtime:*894*amount#

To buy airtime for others:*894*amount*phone number#

To transfer:*894*amount*account number#

Mini-statement:*894*account number#

Fidelity Bank

The transfer code for fidelity bank is *770# and you can use it to make these transactions below:

To recharge:*770*amount#

To recharge for a friend:*770* phone number*amount#

To transfer:*770*account number*amount#

Read Also: Fidelity Bank Transfer Code 2022 – See How to Activate USSD Code

Zenith Bank

Zenith bank easy access is *966# and it can be used to many transactions in Nigeria in the following ways;

To open account:*966*0#

To buy airtime:*966*amount*phone number#

To transfer funds:*966*amount*account number#

To reset pin:*966*60#

Pay bills like DSTV and PHCN:*966*7*amount* customer ID#

Update your BVN:*966*BVN#

To check account balance: *966*00#

Polaris Bank

Polaris transfer code is *833# with this code, you can buy airtime directly from your bank.


To buy airtime:*833*amount#

To buy for a friend: *833*amount*phone number#

To check account balance:*833*6#

To transfer funds:*833*amount*account number#

To pay bills:*833*2#


FCMB smart code is *329# and it can be used to complete many transactions. To make it easier for easy access use the following.

To top-up your phone number, dial *329*amount#

To check account balance, *329*00#

To reset your pin, dial *329*0#

To buy data from your bank, dial *329*1*phone number#

To pay some bills, dial *329*2*smartcard number#

Read Also: WEMA Bank Transfer Code – How to Activate *945# USSD

UBA Bank

United Bank for Africa (UBA)has also made it easy to make transfer and other transactions on your mobile phone. UBA transfer code is *919# and it’s can be used in the following ways;WAEC Result

To transfer funds to UBA account, dial *919*3*account number*amount#

To other banks, dial *919*4*account number*amount#

To check account balance, *919*00#



All bank codes have been listed above, now you know how to make easy access with your bank at the comfort of your house without any stress. All you have to do is make us of these codes and make your transactions.

All banks in Nigeria have their customers in mind that is why they have provided transfer codes to make easy transactions.

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