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A Comprehensive Guide to Bank Transfer Codes in Nigeria
All Bank Transfer Codes In Nigeria, In Nigeria, where a vibrant mobile money ecosystem thrives, bank transfer codes are the digital keys that unlock a world of financial convenience. Gone are the days of long queues and paper trails; with a few taps on your phone and a simple code, you can send and receive money, pay bills, top-up airtime, and manage your accounts on the go.
But with over 20 commercial banks serving a diverse population, navigating the labyrinth of transfer codes can be daunting. Worry not, financial explorer! This comprehensive guide is your trusty map, demystifying the intricacies of bank transfer codes in Nigeria.
Understanding Common Bank Codes
Before diving into individual codes, let’s familiarize ourselves with the alphabet soup you’ll encounter. Each bank has a unique USSD (Unstructured Supplementary Service Data) code, a string of numbers often prefixed with an asterisk (*). Popular examples include:
| Access Bank | *901# |
| ALAT Bank | *945# |
| Ecobank | *326# |
| FCMB | *329# |
| Fidelity Bank | *770# |
| First Bank | *894# |
| GTBank | *737# |
| Heritage Bank | *745# |
| Keystone Bank | *7111# |
| Polaris Bank | *833# |
| Stanbic IBTC Bank | *909# |
| Sterling Bank | *822# |
| UBA | *919# |
| Union Bank | *826# |
| Unity Bank | *7799# |
| Wema Bank | *945# |
| Zenith Bank | *966# |
These codes act as gateways to a menu of financial transactions you can perform. Within each menu, specific keywords or numbers trigger further actions. Remember, consistency is key – always dial the correct code for your bank to avoid confusion and potential errors.
All Bank Transfer Codes In Nigeria
1. Fidelity Bank USSD Codes (*770#)
| Airtime Top-Up for Others | *770*PHONE*AMOUNT# |
| Airtime Top-Up for Self | *770*AMOUNT# |
| ATM cardless withdrawal | *770*8*AMOUNT# |
| Block Account from USSD Banking | *770*08012345678# |
| Block Card | *770*911# |
| Block Phone from USSD Banking | *770*911*08012345678# |
| Change PIN | *770*00# |
| Check balance | *770*0# |
| Choose SMS and Email Alert | *770*2# |
| Pay bills | *770# |
| Transfer to Fidelity Account | *770*ACCOUNT*AMOUNT# |
| Transfer to Other banks | *770*ACCOUNT*AMOUNT# |
| Update BVN | *770*02# |
2. Access Bank USSD Codes (*901#)
| Airtime Top-Up for Self | *901*Amount# |
| Airtime Top-Up for Others | *901*Amount*Phone Number# |
| Deactivate Account | *901*911# |
| Pay bills | *901*3# |
| Transfer to Other banks | *901*2*AMOUNT*NUBAN Account Number# |
| Transfer to Access Account | *901*1*AMOUNT*NUBAN Account Number# |
| Check Balance | *901*00# |
| Account Opening/ PIN Change/ Registration | *901*0# |
3. ALAT Bank USSD Codes (*945#)
| Airtime Top-Up for Others | *945*phone Number*Amount# |
| Airtime Top-Up for Self | *945*Amount# |
| Check balance | *945*0# |
| Transfer to ALAT Account | *945*Account Number*Amount# |
| Transfer to Other banks | *945*Account Number*Amount# |
4. Ecobank USSD Codes (*326#)
| Airtime Top-Up for Others | *326*Amount*PhoneNumber# |
| Airtime Top-Up for Self | *326*Amount# |
| Check balance | *326*0# |
| Pay bills | *326# |
| Transfer to Ecobank Account | *326# |
| Transfer to Other banks | *326# |
5. FCMB USSD Codes (*329#)
| Airtime Top-Up for Others | *329*Amount*Mobile number# |
| Airtime Top-Up for Self | *329*Amount# |
| Block USSD Profile or Bank Account | *329*911# |
| Buy Data | *329*1*Mobile Number# |
| Check balance | *329*00# |
| Pay bills (DSTv/GOTv) | 329*2*Amount*Smartcard Number# |
| Pay Electricity Bill | *329*3*Amount*Meter No# or *329*3*Amount*AccountID# |
| Reset PIN | *329*0# |
| Transfer to FCMB Account/ Other banks | *329*Amount*Account number# |
6. First Bank USSD Codes (*894#)
| Account Opening | *894*0# |
| Airtime Recharge for Others | *894*Amount*Phone Number# |
| Airtime Recharge for Self | *894*Amount# |
| Check Balance | *894*00# |
| Deactivate Your Mobile Number | *894*911# |
| Mini-Statement | *894*Account Number# |
| Register for USSD Banking | *894*0 |
| Transfer to First Bank/ Other bank Accounts | *894*Amount*Account Number# |
7. GTBank USSD Codes (*737#)
| Account Opening | *737*0# |
| Airtime Top-Up for Others | *737*Amount*Recipient’s number# |
| Airtime Top-Up for Self | *737*amount# |
| Check Account Number/ Check Balance/BVN | *737*6*1# |
| Create PIN | *737*5# |
| Data Top-Up | *737*4# |
| Make Enquires | *737*6# |
| Reactivate Account | *737*11# |
| Transfer to GTBank Account | *737*1*Amount*NUBAN Account Number# |
| Transfer to Other banks | *737*2*Amount*NUBAN Account Number# |
8. Heritage Bank USSD Codes (*745#)
| Airtime (Self) | *745*Amount# |
| Airtime (Third Party) | *745*Amount*MobileNumber# |
| Balance Enquiry | *745*0# |
| Bet9ja Top-up | *745*222*Bet9jaUserID*Amount# |
| Block Your Account from any phone | *745*11# |
| Change USSD PIN | *745*00# |
| Transfer to a Heritage Bank Account | *745*1*Amount*AccountNumber# |
| Transfer to Other Banks | *745*2*Amount*AccountNumber# |
| LCC Payment | *745*000*522+etagNo+100# |
| Pay with USSD (on POS/Web) | *745*000*RefCode# |
| USSD Registration With ATM Card | *745*AccountNumber*Last6DigitOfCard# |
| USSD Registration Without ATM Card | *745*AccountNumber# |
9. Keystone Bank USSD Codes (*7111#)
| Activate Debit Card | *7111*9*123# |
| Change your default Top-up Account: | *7111*AcctNo# |
| Check account balance | *7111*00# |
| Check balance | *7111*1# |
| Mobile Data Top-Up | *7111*5# |
| Panic Code (In case of theft/password compromise) | *7111*911# |
| Pay bills | *7111*2# |
| Recharge for others | *7111*Amount*Phone Number# |
| Recharge your phone | *7111*Amount# |
| Send Money | *7111*Amount*Nuban Account Number# |
| USSD Registration | *7111*0# |
10. Polaris Bank USSD Codes (*833#)
| Airtime Top-Up for Others | *833*AMOUNT*PHONENUMBER# |
| Airtime Top-Up for Self | *833*AMOUNT# |
| Check balance | *833*6# |
| Opening Account | *833*1# |
| Pay bills | *833*2# |
| Pay With MasterPass | *833*7# |
| Transfer to Polaris Account/Others | *833*AMOUNT*ACCOUNTNUMBER# |
| Update BVN | *833*5# |
Transferring Funds: Sending and Receiving with Ease
The most ubiquitous use of bank transfer codes is, of course, sending and receiving money. Each bank has its code for initiating transfers, usually involving the recipient’s account number and the transfer amount. Some common keywords you might encounter include:
- SEND: Initiates a money transfer.
- TRANS: Another term for transfer.
- BENEFICIARY: Refers to the recipient of the transfer.
- ACCT NO.: Enter the recipient’s account number here.
- AMOUNT: Specify the amount you want to transfer.
- PIN: Your personal identification number is required to authorize the transaction.
For example, to transfer N5,000 from your GTBank account to someone with Zenith Bank account number 1234567890, you would dial:
737512345678901234#
Following the on-screen prompts and entering your PIN will complete the transfer. Remember, transfer limits and charges might apply depending on the bank and transaction type.
Beyond Transfers: A Universe of Financial Services at Your Fingertips
Bank transfer codes extend far beyond simple money transfers. You can access a plethora of financial services through these digital portals, including:
- Airtime Top-up: Recharge your own or someone else’s phone instantly using convenient codes.
- Bill Payments: Settle your electricity, water, cable TV, and other bills promptly with dedicated codes.
- Account Balance Check: Stay informed about your finances with a quick balance inquiry.
- Mini-Statements: Get a glimpse into your recent transactions on the go.
- Fund Account Activation: Activate newly opened accounts without visiting a branch.
- Change PIN: Update your PIN for secure transactions through the code itself.
FAQs About Bank Transfer Codes in Nigeria:
1. What are USSD codes and how do they relate to bank transfers?
USSD codes are unique strings of numbers used to access financial services through your phone. Each Nigerian bank has its own USSD code that acts like a gateway to a menu of transactions, including sending and receiving money.
2. How do I find the transfer code for my bank?
The article lists all the major Nigerian banks and their corresponding USSD codes. Some popular examples include *737# for GTBank and *894# for First Bank.
3. How do I transfer money using a bank transfer code?
The process generally involves dialing your bank’s USSD code, followed by a code for transfers, and then entering the recipient’s account details and amount. Finally, confirm the transaction with your PIN. The exact steps might differ slightly depending on your bank.
4. Besides transfers, what other financial activities can I do with USSD codes?
Bank transfer codes offer a range of services beyond transfers. You can use them to recharge airtime, pay bills, check your account balance, view mini-statements, and even activate new accounts or change your PIN.
5. Are there any security risks to consider when using bank transfer codes?
Always ensure you’re using the correct USSD code for your bank to avoid scams. Remember to never share your PIN with anyone. Be cautious of prompts asking for additional information beyond what’s necessary for the transaction.
Conclusion
In conclusion, mastering the art of using bank transfer codes in Nigeria unlocks a world of financial freedom and convenience. With a little understanding and these helpful tips, you can send and receive money, manage your accounts, and access essential services directly from your phone.
Remember, prioritize security, explore your bank’s unique offerings, and embrace the exciting future of Nigerian banking. So, go forth, intrepid explorer, and conquer the labyrinth of bank transfer codes – your financial adventures begin now!