All USSD Bank Transfer Codes: How to Transfer Money via Mobile Phone in Nigeria

In todays paced society banking has become incredibly convenient due, to the rise of banking. By tapping on your device you can now easily transfer funds check your account balance and carry out other banking tasks without having to physically go to a bank branch. One of the ways Nigerians engage in banking is, by utilizing USSD codes. This article will delve into the USSD bank transfer codes in Nigeria. Show you how to efficiently send money from your bank account to another directly from your mobile phone.

Understanding USSD Bank Transfer Codes

USSD, short, for Unstructured Supplementary Service Data is a technology that permits mobile phone users to access services using a code. In the banking realm USSD bank transfer codes are codes issued by banks to empower their clients to conduct financial activities like transferring funds paying bills and checking balances right, from their mobile devices.

You can enter these codes on any phone whether its a feature phone or a smartphone even, without an internet connection. This means that USSD banking is available, to a spectrum of users including those who might not have smartphones or reliable internet access.

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List of USSD Bank Transfer Codes in Nigeria

Here is a comprehensive list of USSD bank transfer codes for major banks in Nigeria:

1. Access Bank

To transfer to an Access Bank account: Dial *901*2*Amount*AccountNumber#
To transfer to other banks: Dial *901*2*Amount*AccountNumber#

2. Ecobank

Dial *326# and follow the on-screen prompts to transfer money

3. First City Monument Bank (FCMB)

Dial *329*Amount*AccountNumber# to transfer funds

4. Fidelity Bank

Dial *770*AccountNumber*Amount# to transfer money

5. First Bank

Dial *894*Amount*AccountNumber# to transfer funds

6. Guarantee Trust Bank (GTBank)

To transfer to the same bank (Intrabank transfer):
Dial *737*1*Amount*AccountNumber#
Use the last four digits of your Naira MasterCard to complete the transaction
To transfer to another bank (Interbank transfer):
Dial *737*2*Amount*AccountNumber#
Use the last four digits of your MasterCard to complete the transaction

7. Heritage Bank

Dial *322*030*AccountNumber*Amount# and follow the on-screen prompts to complete the transaction

8. Jaiz Bank

Currently, there is no USSD code for fund transfers. Please use the bank’s mobile banking or internet banking platforms instead.

9. Keystone Bank

Dial *7111*Amount*AccountNumber# to transfer money

10. Polaris Bank (Skye Bank)

Dial *833*amount*AccountNumber# and follow the prompts to complete the transaction

11. Sterling Bank

Dial *822*5*Amount*AccountNumber# to transfer funds

12. Stanbic IBTC Bank

To transfer to another Stanbic IBTC bank account: Dial *909*11*Amount*AccountNumber#
To transfer to other banks: Dial *909*22*Amount*AccountNumber#

13. Union Bank

To transfer to a Union Bank account: Dial *826*1*Amount*AccountNumber#
To transfer to other banks: Dial *826*2*Amount*AccountNumber#

14. Unity Bank

To transfer to a Unity Bank account: Dial *7799*1*AccountNumber*Amount#
To transfer to other banks: Dial *7799*2*AccountNumber*Amount#

15. United Bank for Africa (UBA)

Dial *919*4*AccountNumber*amount# to transfer money

16. Wema Bank

Dial *945*AccountNumber*amount# to transfer funds

17. Zenith Bank

How to activate Zenith Bank *966# USSD Code (2022)

Dial *966*Amount*AccountNumber# to transfer money

18. ALAT by Wema

Dial *945*AccountNumber*amount# to transfer money

How to Use USSD Bank Transfer Codes

To transfer money using the USSD bank transfer codes, follow these steps:

Dial the respective bank’s USSD code on your mobile phone.
Follow the on-screen prompts to enter the required details, such as the recipient’s account number and the amount you want to transfer.
Verify the transaction details and enter your PIN or other authentication credentials when prompted.
Confirm the transaction and wait for a confirmation message.

It is important to note that the exact steps and prompts may vary slightly between different banks. Always ensure that you have sufficient funds in your account before initiating a transfer, as insufficient balance may result in a failed transaction.

Advantages of Using USSD Bank Transfer Codes

Using USSD bank transfer codes offers several advantages for banking customers in Nigeria. Some of the key benefits include:

1. Convenience: USSD banking allows you to carry out financial transactions from anywhere, at any time, without the need for an internet connection or physical bank branch visit.

2. Accessibility: USSD codes can be dialed on any type of mobile phone, making mobile banking accessible to a wide range of users, including those who may not have access to smartphones or stable internet connectivity.

3. Speed: USSD transactions are typically processed in real-time, allowing for instant transfers between bank accounts.

4. Security: USSD banking transactions are protected by multiple layers of security measures, including PIN authentication and encryption.

5. Cost-Effective: USSD banking is generally free or incurs minimal charges compared to other forms of banking transactions.

Conclusion

Mobile banking has revolutionized the way Nigerians carry out financial transactions. The use of USSD bank transfer codes has made banking more accessible, convenient, and secure. By leveraging these codes, you can transfer money from your bank account to another bank directly from your mobile phone, without the need for an internet connection. Take advantage of this convenient banking solution and enjoy the benefits of hassle-free financial transactions at your fingertips.

Remember to always keep your PIN and other authentication credentials confidential and report any suspicious activities to your bank immediately. Happy banking!

Additional Information:

It is important to note that the USSD bank transfer codes provided in this article are accurate at the time of writing. However, banks may update or change their codes periodically. It is advisable to confirm the codes with your bank or visit their official website for the most up-to-date information.
Some banks may have different USSD strings for interbank and intrabank transfers. Be sure to follow the correct format when initiating a transfer.
USSD banking is subject to certain transaction limits imposed by individual banks. These limits may vary depending on your account type, transaction history, and other factors. Please consult your bank for specific details regarding transaction limits.
Always ensure that you have sufficient funds in your account before initiating a transfer. Insufficient balance may result in a failed transaction or additional charges.
For any issues or inquiries regarding USSD banking, contact your bank’s customer service or visit a nearest bank branch for assistance.