List of Nigerian Banks Online Mobile USSD Transfer Codes

Online Banking services have been made easier with the advancement in financial technology, innovations, modifications and the introduction of the fintech to the financial services industry.

Gone are the days that one has go to the Bank or the Automated Teller Machine (ATM) to complete an online transaction. Nowadays, what is needed now is steady access to the internet, a working mobile device and sufficient account balance.

The important thing to also note is that, all Banks have different transfer codes and the transfer code for Bank A is different from Bank B and vice versa. These Banks all came up with different easy to remember  transfer codes to enable their teeming customers complete their transactions online.

This singular move has also help to make business transactions easier and further to improve the ease of doing business. This has also drastically reduced the long queues in Banks hall and the Banks’ ATM point.

It’s worthy to note that utilities bills, recharge cards, salaries, and any form of business transactions can be completed with these codes.

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This is also in line with the Central Bank of Nigeria (CBN) cashless policy. Below is the list of the Nigerian Banks mobile transfer codes:


Guaranty Trust Bank:

GT Bank is one of the top five rated Banks in Nigeria in terms of its Market Capitalization.  The Tier-one Bank mobile transfer code is *737*.  To transfer money to a Guaranty Trust Bank account, simply dial *737*1*Amount*NUBAN Account Number*.

Completing an online transfer to other Banks is also very simple. Dial *737*2*Amount*NUBAN Account Number*.


Zenith Bank

Zenith Bank is one of the top-notch technological friendly Banks in Nigeria. To access Zenith Bank online USSD transfer code, Simply dial *966*00# to get started.

The customer must register before accessing this online transfer platform. Dial the last four digits of your debit card in order to get started aftermath a four-digit pin will be sent to the you notifying that the registration was successful.

To make an online transfer kindly dial *966*amount*mobile number#. Dial *966*00# to check your account balance.


Access Bank

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For Access Bank customers, in other to complete an online banking  transaction simply dial *901#.  The online transfer is also designed for the Bank’s customers to purchase recharged cards online. Dial *901*Amount#.


United Bank for Africa (UBA)

UBA mobile transfer USSD is *919#. To complete an online mobile transfer kindly dial *919*Amount#.


First Bank

First Bank online mobile transfer code is *894#. The Bank customers are to dial *894# and  promptly follow the drop-down codes to complete their transactions.


Sterling Bank

To get started, dial *822# and create a pin code for your transactions. Kindly note that you will be deducted the sum of N5 for the usage of this USSD code.


Polaris Bank

For Polaris Bank customers, the code is *833#. Polaris Bank was formerly known as Skye Bank.


First City Monument Bank (FCMB)

FCMB account holders are to dial *389*214# and strictly follow the display instructions for them to complete their transactions online.


Wema Bank

For Wema Bank customers to make an online transfer to any bank of their choice as the case may be, they are to dial *945*Beneficiary Account Number#.

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Fidelity Bank

Fidelity Bank transfer code is *770#. The Bank customers are to dial the code and follow the display options on the phones. To make a transfer to another Bank, simply dial *770*amount#.



EcoBank mobile USSD transfer code is *326#.


Unity Bank

The tier-two Bank’s transfer code is *389*215#.  Mobile transactions such as airtime purchase, utility bills payment, business purchase amongst others can all be completed using this mobile transfer code.


Stanbic IBTC Bank

The lender’s transfer code is *909#. Several online transactions can be completed using this code such as airtime recharge, utility bills, salaries amongst others.


Jaiz Bank

The Bank’s online transfer USSD code is *389*301#.


Keystone Bank

For Keystone Bank customers to complete their transactions online, they are to simply dial *71111# and follow the drop-down instructions.


Heritage Bank

The lenders’ online mobile transfer USSD code is *322#.







Author: FMN

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