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African Bank USSD Codes

Verified directory of African bank USSD codes for transfers, balance checks, airtime purchases and bill payments, all without internet. Nigeria covered (23 banks, PSBs and fintechs); other countries coming.

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Nigeria
23 banks + PSBs/fintechs

GTBank *737#, Access *901#, Zenith *966#, UBA *919#, First Bank *894# + 18 others (including OPay, PalmPay, Moniepoint, SmartCash, MoMo PSB).

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Madagascar
Mobile money — MVola, Orange, Airtel

MVola (Telma) #111#, Orange Money #144# with balance on #321#, Airtel Money *436#. Task tables, verified June 2026.

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Coming soon
Ghana, Kenya, South Africa

Later waves will cover Ghana (MTN paybill codes), Kenya (M-Pesa + STK push) and South Africa (USSD send codes).

Why USSD matters

USSD is the backbone of African mobile banking. Where smartphone and data access remain uneven, USSD works on any phone, without an internet connection, in seconds. That's why Nigerian banks process hundreds of millions of USSD transactions per month.

This directory aims at one thing: accuracy. Every base code is cross-verified against ≥8 sources before publication. Operation shortcuts (transfer, balance, airtime) appear only when ≥2 sources agree; otherwise the menu (always correct) is the published method. The verification date is stamped on every page, and we re-verify periodically.

See also

SWIFT codes
Receive international money
Nigeria Mobile Money
Fee calculator
Exchange rates
100+ live pairs

Frequently asked questions

What is a bank USSD code?
A short code (*XYZ#) you dial on your phone to perform banking operations without internet: transfers, balance check, airtime purchase, bill payment. The code routes over the cellular signalling network, so it works without data.
Why use USSD instead of a bank app?
USSD works on any phone (including basic phones without Android/iOS), without internet, and in low-coverage areas. It is the primary channel for millions of Africans. An app offers richer features but requires data + smartphone.
Is the USSD code the same across Africa?
No — each bank (and each country) has its own code. Nigeria uses the *XYZ# format. Ghana, Kenya, and South Africa have their own conventions. This directory covers Nigeria in Wave 1; other countries follow.