Complete List of Bank Codes in Nigeria

• Access (Diamond) Bank — *901#
• EcoBank — *326#
• Fidelity Bank — *770#
• First Bank — *894#
• First City Monument Bank (FCMB) — *389*214#
• Guaranty Trust Bank (GTB) — *737#
• Heritage Bank — *322*00#
• JAIZ Bank — *389*301#
• Keystone Bank *7111#
• Polaris Bank *833#
• Stanbic IBTC Bank *909#
• Sterling Bank — *822#
• United Bank for Africa (UBA) — *919#
• Union Bank — *826#
• Unity Bank — *7799#
• Wema Bank — *945#
• Zenith Bank — *966#

Here is How to Use Bank USSD Codes for All Your Bank Transactions

Dial your bank’s USSD code as listed above and hit the dial/call button, then follow the instruction displayed on your phone.

If this is your first time using USSD code, you will need to register and set up a PIN which you will be using to approve or verify your transactions. However, some financial institutions might require the last 4 – 6 digits of your debit/ATM card as your PIN.

USSD Background Story

Technology evolution and innovation have made banking transactions convenient and fast, compared to the days of long queues in the banking hall.

Despite the internet revolution and affordability, several reports have shown that billions of people still do not have access to the internet. The reason while Unstructured Supplementary Service Data (USSD) was invented to ease internet limitations and other challenges faced by emerging economies.

Therefore, USSD codes allow bank customers to use shortcodes commonly begins with an asterisk/star (*) symbol and end with hash/hashtage (#) symbol like *456# to perform bank transactions without internet or going to the bank.