All Nigerian Banks USSD Codes for Money Transfers From Mobile Phone

Most Nigerian banks now have their own USSD Codes for Mobile Money Transfers, using your phone to send money has never been this easy, but from the comfort of your home, you can now transfer money from your account without stepping a foot to the bank.

What then is this USSD Codes we talking about, USSD literally means Unstructured Supplementary Service Dataand its a service adopted by banks allowing their customers to pay bills, Recharge card, Change your card pin, Read mini-statements, withdraw money or make purchases among several others transactions simply by dialing a short code on their phone, this codes can also be referred to as Quick Codes.

Transactions using the USSD is similar to that of the internet banking, but in this regard, it doesn’t require any internet connection, token nor any devices that may be required for internet banking, another interesting facts about the USSD is that any customers who do not have access to their internet can simply dial the code and


NOTE : all this most be initiated on your mobile line you registered / linked with your account and of course NUBAN is the 10 digit account number of the bank you intend to transfer to. likewise you may need to select appropriately the beneficiary bank Name immediately after dialing the code that would be provided below:

  • GTB
  • Access bank
  • First bank
  • Diamond bank etc….

Thereafter, you then enter your transfer PIN, or Last 4 digit of your ATM Card depending on your bank to confirm transfer. The recipient account number will be shown to you before you enter the your PIN. This is done in order to confirm the account you are about to send money to, Shall we kick start with Guarantee Trust Bank ( GTB ).

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Full List of Nigerian Banks USSD Codes for Money Transfers

Guaranty Trust Bank (GTB) USSD Money Transfer Code

To transfer money to any GTBank account, simply dial *737*1*Amount*NUBAN Account No# e.g. *737*1*1000*1234567890# from the mobile number registered with the Bank.

Now if you intend to send money to your friend or anyone using a non GTB Acct ( other Bank  : such as First, Diamond etc) dial *737*2*Amount*NUBAN Account No# e.g. *737*2*1000*1234567890#. you will then be required to enter the last four digits of your GTBank Naira Master Card in order to authenticate the transfer, You may check here for more

First Bank USSD Money Transfer Code

To transfer money using First bank USSD code, simply dial *894# and select 1; To withdraw money dial *894# and select 2 , To make purchase dial *894# and select 3 ; To pay bills dial *894# and select 4 ; To buy airtime dial *894# and select 5 ; and finally to manage account. dial *894# and select 7

Diamond Bank USSD Money Transfer Code

Diamond Bank USSD Money transfer code seems to be available only for Y’ello account holders, so to transfer or send money to any Diamond Bank account Dial *710*710*PHONE NO*AMOUNT*PIN# while to Transfer money to other banks using the Y’ellO account Dial *710*777*ACCOUNT NO*AMOUNT*PIN# : Other Diamond account holders can check here

Fidelity Bank USSD Money Transfer Code

To transfer money to any Fidelity bank account dial this *770*NUBAN Account no*Amount#; let’s take for instance you want to send N1000 to your friends Fidelity bank account, dial *770*1234567890*1000# then enter your 4 digit pin

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However if this is your first time of using the service, and you do not have any Registered PIN before, then you will need to create one by dialing *770#, Enter your NUBAN Account number (Fidelity bank account number), Select a 4-digit PIN for your account. Now you can proceed to make your transfer

Wema Bank USSD Money Transfer Code

For Wema Bank USSD transfer code dial *322*035*NUBAN*AMOUNT#. As stated above this most be initsiatd on the same Phone number your registered with your account

Ecobank USSD Money Transfer Code

Ecobank Mobile Banking USSD transfer code Dial *326# and follow the on screen prompt

Skye Bank USSD Money Transfer Code

Skye Bank USSD mobile banking code Simply dial *833# to get started and follow the prompts strictly

Sterling Bank USSD Money Transfer Code

Sterling Bank USSD code dial *822# To get started and follow the prompts accordingly.

Note : an access fee of N5 will be deducted from your airtime each time you dial the sterling bank ussd code on your phone. A PIN will also be required to complete transactions via the ussd code. You will get the pin when you register for the Sterling bank *822# service.

United Bank for Africa (UBA) USSD Money Transfer Code

United Bank for Africa ( UBA ) USSD mobile banking code Simply dial *919# from your registered phone number to kick start

Unity Bank USSD Money Transfer Code

For Unity Bank USSD mobile banking code dial *389*215# and follow the screen prompts

Zenith Bank USSD Money Transfer Code

For Zenith Bank USSD code use as follows:

  • To create a bank account simply dial *966*0# and follow the onscreen prompts.
  • To check for balances on any of your accounts, all you need to do is simply dial; *966*00#
  • To load airtime simply dial *966*Amount*Mobile Number# on your phone
  • To transfer money to another account Dial *966*Amount*Account Number# (e.g. *966*1000*1234567890#)
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First City Monument Bank (FCMB) USSD Money Transfer Code

To use FCMB USSD mobile banking code Dial *389*214# and you will receive a Welcome Message with options to reply with as follows :
1.Activate with card
2.Activate with Account
3.Activate with Mwallet

Choose option 2 by typing 2 since it is your first time of using the service and Enter your account number, thereafter you may need to Call Care Centre on 01-2798800 or visit any FCMB branch to generate your PIN. Once you have your PIN Dial *389*214# on the phone and click on Security, Select Change PIN to enter your default PIN and enter your new four digits PIN when prompted

Dial *389*214# to access the FCMB Mobile service

We will update this article when we lay our hands on the money transfer codes for Other banks that are not included here such as Heritage Bank, KeyStone Bank among others, However you can make use of Quick teller to transfer money from your bank to another with phone number or account number. which is the best alternative to online banking

With Quickteller customers can also transfer money from their account to any other accounts in Nigeria provided you its Mastercard, Verve or VISA Card.

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