In today’s fast-paced world, banking convenience is crucial. Many people still queue at ATMs for hours just to transfer money, unaware of a much easier method. This article will introduce you to USSD (Unstructured Supplementary Service Data) codes that allow you to transfer money directly from your mobile phone. Below are the USSD codes for over ten Nigerian commercial banks, making banking easier and stress-free.
1. Guaranty Trust Bank (GTBank)
GTBank offers a seamless way to transfer funds via your mobile phone using the *737# code. Here’s how:
- To transfer to a GTBank account: Dial 7371AMOUNTACCOUNT NUMBER#. For example, 737110000123456789#.
- To transfer to other banks: Dial 7372AMOUNTACCOUNT NUMBER#. For example, 737210000123456789#.
You’ll be asked to input the last four digits of your GTBank Naira MasterCard to complete the transaction.
2. Access Bank
Access Bank’s USSD service (*901#) is convenient for various transactions. Here’s a guide to register and transfer money:
How to Register
- Dial *901# on your registered phone number.
- Follow the prompt to select 8 (NEXT) then 5 (CREATE PIN).
- Enter the last four digits of your Access Bank ATM card.
- Create a 4-6 digit security code for transactions.
How to Transfer Money
- To other banks: Dial 9012AMOUNTACCOUNT NUMBER#. For example, 901210000123456789#. (Charge: N80 + N4 VAT)
- To Access Bank accounts: Dial 9011AMOUNTACCOUNT NUMBER# and authenticate with your transfer security code.
3. First Bank
First Bank provides a versatile USSD code (*894#) for various banking activities:
- To transfer money: Select 1 after dialing *894#.
- To withdraw money: Select 2.
- To make purchases: Select 3.
- To pay bills: Select 4.
- To buy airtime: Select 5.
- To manage your account: Select 7.
4. United Bank for Africa (UBA)
UBA’s USSD service (*919#) offers multiple functionalities. Here’s how to use it:
- To check account balance: Dial 91900#.
- To recharge your phone: Dial 919AMOUNT#.
- To recharge for others: Dial 919Phone Number*AMOUNT#.
- To link your BVN: Dial 9196#.
5. Diamond Bank
For Diamond Bank Y’ello account holders, transferring money is simple with the following codes:
- To transfer to any Nigerian bank: Dial 710777ACCOUNT NUMBERAMOUNT*PIN#.
- To transfer to Diamond Y’ello accounts: Dial 710710Phone NumberAMOUNT*PIN#.
6. Skye Bank
Skye Bank’s USSD code (*833#) simplifies transactions. Dial the code and follow the prompts for various banking services.
7. Sterling Bank
Sterling Bank’s USSD code (*822#) allows you to conduct transactions easily. Simply dial the code and follow the on-screen instructions.
8. Eco Bank
Eco Bank’s USSD service (*326#) offers convenient banking. Dial the code and follow the prompts to complete your transactions.
9. Fidelity Bank
For Fidelity Bank account holders, creating a transfer PIN is essential. Here’s the process:
- Dial *770# to create a PIN.
- Enter your Fidelity Bank account number when prompted.
How to Transfer Money
- Dial 770ACCOUNT NUMBER*AMOUNT#.
- Select the beneficiary’s bank.
- Confirm the account number.
- Enter your transfer PIN to complete the transaction.
10. Wema Bank
Wema Bank’s USSD code (*945#) offers various services:
- To transfer money: Dial 945Beneficiary Account Number*Amount#.
- To check account balance: Dial 9450#.
- To change PIN: Dial 94500#.
- To open a new account: Dial 9451#.
- To top-up your phone: Dial 945Amount#.
11. Zenith Bank
Zenith Bank’s USSD code (*966#) offers several banking functions:
- To open a new account: Dial 9660#.
- To transfer money: Dial 966Amount*Account Number#.
- To check account balance: Dial 96600#.
- To recharge your phone: Dial 966Amount*Mobile Number#.
12. Stanbic IBTC
Stanbic IBTC’s USSD code (*909#) allows for easy money transfers. Dial the code and follow the on-screen instructions.
13. Keystone Bank
Keystone Bank’s USSD code (*533#) is straightforward:
- Dial 533Amount*Account Number# from your registered phone number.
- Enter the four-digit PIN you created during registration to complete the transaction.
With these USSD codes, you can effortlessly manage your banking needs from the comfort of your home, without needing an internet connection. These services work on any mobile phone, making them accessible to everyone. Embrace the convenience of mobile banking and save yourself the time and hassle of ATM queues.
