Nigeria Bank USSD Codes (2026): All Banks' Transfer Codes
Complete directory of Nigerian bank USSD codes: GTBank *737#, Access Bank *901#, Zenith Bank *966#, UBA *919#, First Bank *894#, plus 18 other banks + PSBs/fintechs (OPay, PalmPay, Moniepoint, SmartCash). Verified June 2026.
Dial the code from the phone number linked to your account to transfer money, check your balance, buy airtime, and pay bills without internet. Click any bank for the step-by-step guide.
Commercial banks
| Bank | Base code | Transfer | |
|---|---|---|---|
| GTBank | *737# | *737*1*amount*account# | Details → |
| Access Bank | *901# | *901*amount*account# | Details → |
| Zenith Bank | *966# | *966*amount*account# | Details → |
| UBA | *919# | *919*amount*account# | Details → |
| First Bank | *894# | *894*amount*account# | Details → |
| Fidelity Bank | *770# | *770*account*amount# | Details → |
| FCMB | *329# | *329*amount*account# | Details → |
| Ecobank | *326# | menu | Details → |
| Sterling Bank | *822# | menu | Details → |
| Stanbic IBTC | *909# | menu | Details → |
| Union Bank | *826# | menu | Details → |
| Keystone Bank | *7111# | menu | Details → |
| Polaris Bank | *833# | menu | Details → |
| Wema / ALAT | *945# | menu | Details → |
| Unity Bank | *7799# | menu | Details → |
| Globus Bank | *989# | menu | Details → |
PSBs and fintechs
How bank USSD works
USSD (Unstructured Supplementary Service Data) is a short-session protocol that routes over the cellular signalling network, not internet data. That's why it works on a basic phone without data, in areas with weak coverage, or when your data plan is exhausted.
In Nigeria, every bank operates a short code (*XYZ#) tied to the phone number registered on your account. You dial the code, a menu loads in seconds, you pick the operation (transfer, balance, airtime, bills), and confirm with a USSD PIN that is separate from your card PIN. A full session typically takes 60–90 seconds.
The USSD session fee (~₦6.98) is charged by your telco (NCC regulation), not by the bank. On transfers, add the bank's own transfer fee + the ₦50 EMTL stamp duty on amounts of ₦10,000+. Since January 2026, the EMTL is deducted from the SENDER, not the receiver.