At first, it was just USSD recharge code for topping up mobile airtime, Nigerian banks then improved their services to include money transfers and bill payments all with just a USSD code. By dialing some short codes on your mobile phone, you can transfer money to anyone irrespective of the bank. This has make banking very convenient and easy.

We have listed below banks USSD codes for transferring money for all Nigerian banks.


GTB – Guaranty Trust Bank USSD Money Transfer Code

To make a transfer 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.

To transfers to beneficiaries in other Bank’s, simply dial *737*2*Amount*NUBAN Account No# e.g. *737*2*1000*1234567890#. Customers will then require to select the bank fromthe last four digits of their GTBank Naira MasterCard to authenticate the transaction.

The *737* Transfer service is only available to GTBank customers via their mobile phone numbers registered with the Bank and has minimum transfer limit of N1,000 and a daily transfer limit of N20,000. Your daily limit can be up to N200,000 or more


Fidelity Bank USSD Money Transfer Code

To transfer money from Fidelity bank account to another bank account, simply dial this *770*NUBAN Account number*Amount#; NUBAN Account number is the 10 digit account number issued by any bank.
Example; if you want to transfer N1000 to someone’s Firstbank account, dial *770*1234567890*1000# from the mobile number registered/linked with your Fidelity Bank account.

Then select the beneficiary bank Name (First bank).
Access bank
First bank
Diamond bank etc
Enter your transfer PIN to confirm transfer. The recipient account number will be shown to you before you enter the your PIN. This lets you verify that you’re not sending money to a wrong account.

if you have used haven’t used the service before, you will be requested to create one. You can dial *770#, Enter your NUBAN Account number (Fidelity bank account number), Select a 4-digit PIN for your account.

If you have two accounts with Fidelity bank, let say current and saving account and you’re using the same phone number for both account, your current account will be debited first before your savings account.

Transfer per transaction is N10,000. Maximum transfer per day is N20,000


First Bank USSD Money Transfer Code

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


Wema Bank USSD Money Transfer Code

For Wema Bank customers, to do a quick FUNDS TRANSFER, dial *322*035*NUBAN*AMOUNT#

The Wema Quick Recharge Code should only be used with the phone number registered with the bank

Diamond Bank USSD Money Transfer Code

For Diamond Bank Y’ello account holders, to Transfer money to any bank Dial *710*777*ACCOUNT  NO*AMOUNT*PIN#.
For Diamond Y’ello to Diamond Y’ello Transfers Dial *710*710*PHONE NO*AMOUNT*PIN# For other Diamond account holders check options below.


Ecobank USSD Money Transfer Code

With Ecobank Mobile Banking you can do all your banking on your mobile phone. You can Make instant transfers, Check balances, Pay bills, Read mini-statements, Buy airtime.

Dial *326# to get started

Zenith Bank USSD Money Transfer Code

Zenith Bank’s 966 Mobile Banking allows you to open an account, check balance, load airtime or transfer money to another account.

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#) from the phone number you registered with Zenith Bank, then follow the on-screen prompts.


Jaiz bank USSD Money Transfer Code

Jaiz bank practice a different system of mobile banking know as SMS banking. In this system, you perform all banking operation through SMS.

Customers of Jaiz Bank will have to send some certain banking instructions to 08055555700.

See the jaiz bank transfer code below.


S/NTransaction TypeSMS FormatSample Message
2Balance EnquiryBALANCE ACCTNO PINBALANCE 0123456789 1234
3Blocking of AccountBLOCK ACCTNO PINBLOCK 0123456789 1234
4Last 5 TransactionsTRANSACTIONS ACCTNO PINTRANSACTIONS 0123456789 1234
8Account Statement Request via EmailSTATEMENT REQUEST ACCTNO PINSTATEMENT 0123456789 1234

You can also make transactions on the Jaiz bank mobile banking app


FCMB – First City Monument Bank USSD Money Transfer Code

To use FCMB mobile banking service
Dial *389*214#
FCMB Welcome Message is displayed with the following options
1.Activate with card
2.Activate with Account
3.Activate with Mwallet
Choose option 2 by typing 2 and send
Enter your account number
Call Contact Centre on 01-2798800 or visit any FCMB branch to generate your PIN.
Once you got 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# for subsequent access to FCMB Mobile service


Unity Bank USSD Money Transfer Code

Unity Bank USSD mobile banking gives you secure and fast way to transfer funds to Unity bank accounts and to other bank accounts.

Simply dial *389*215# to get started


Skye Bank USSD Money Transfer Code

Skye Bank USSD mobile banking gives you secure and fast way to transfer funds to Skye bank accounts and to other bank accounts.

Skye Bank USSD mobile banking allows you to make bill payments, check account balance, transfer funds etc hassle-free and conveniently.

Simply dial *833# to get started

Sterling Bank USSD Money Transfer Code

Sterling Bank USSD provides a smarter way of banking using *822#:

To get started, just dial *822# on the phone number linked to your sterling bank account and follow the prompts accordingly.

Note that N5 will be deducted from your airtime balance every 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.

For Other banks: Heritage Bank, KeyStone Bank, United Bank for Africa (UBA) USSD money transfer codes, we will update you once it is up. In the meantime use can use Quickteller to make money transfer to bank accounts in Nigeria with phone number or account number. Well, this is an alternative to your online banking platform, Quickteller also allows you to transfer money from your account to other bank accounts in Nigeria provided you have either a verve or Mastercard, VISA ATM card.

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.