All Nigerian Banks USSD Money Transfer codes and How to use them


This post is about Nigerian Banks and their list of USSD Money Transfer Codes, Nigerian banks USSD money transfer codes – UBA mobile money transfer, Wema bank mobile money transfer, access bank mobile money transfer, zenith bank mobile money transfer, eco bank mobile money transfer, first bank mobile money transfer, Skye bank mobile money transfer, FCM mobile money transfer, unity bank mobile money transfer

Through  Nigerian Banks USSD money transfer Codes, one can transfer money easily to friends and relatives without having to queue at bank’s ATM. Yes, technology has made life so easy, and we just need to embrace it. In this post, I will show you all Nigerian banks USSD money transfer Codes and how to transfer money from one Nigerian bank to another.

 Nigerian Banks USSD Money Transfer codes

  1. First Bank of Nigeria
  2. GTBank
  3. FCMB
  4. Access Bank
  5. Diamond Bank
  6. UBA
  7. WEMA Bank
  8. Zenith Bank
  9. Sky bank
  10. Unity Bank
  11. Sterling bank
  12. Fidelity bank
  13. Ecobank Bank

In order for you to transfer money from one bank in Nigeria to another, you must use the phone number you registered when you just opened your bank account. You will learn in this here all Nigerian Bank USSD Money Transfer Codes for each Bank.  For some banks it’s automatic while some will require you to register your number to be able to use the USSD service. Remember that not all banks offer this service presently but we will give the list of the banks that offer this service. Below are the list of all  Nigerian bank USSD Money transfer codes and how to use it.

How to transfer money via Bank USSD codes in Nigeria


For those banking with Wema Bank if you want to transfer money to another account all you have to do is to dial *322*035*NUBAN*AMOUNT#. Example *322*035*1234567890*20000#.


First bank has different options for transaction like transfer money, pay bills, withdraw money and 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.
  • Dial *894# and select 7 to manage account.

GTBANK-Nigerian banks USSD money transfer Codes

GTB provides two options, to transfer to a GTB bank account and to other banks.

To send to a GTB bank account, customer should dial *737*1*Amount*NUBAN #.E.g. *737*1*5000*1234567890#.

To other banks dial *737*2*Amount*NUBAN#

Then follow the instructions on the screen to complete the transactions

FIDELITY BANK-Nigerian banks USSD money transfer Codes

To transfer money from Fidelity bank account to another bank account, dial *770*Account number*Amount#. 

Account validation and PIN selection are required by your bank so if it’s your first time doing the transaction you have to create your PIN by dialling *770#, then you enter your NUBAN Account number (Fidelity bank account number), Select a 4-digit PIN for your account.

DIAMOND BANK-Nigerian banks USSD money transfer Codes

If you have a Diamond bank Y’ello account, to Transfer money to any bank Dial *710*777*ACCOUNT NOAMOUNT*PIN#.

For Diamond Y’ello to Diamond Y’ello Transfers Dial *710*710*PHONE NO*AMOUNT*PIN#.

STERLING BANK USSD money transfer Codes

For those banking with sterling bank before you can use the bank USSD code you first have to register by dialling *822#,a PIN will be required to perform any transaction so after the registration has been completed you will get your PIN.

With the Sterling bank USSD code you can:

  • Register / Activate for your Mobile Money
  • Send money to friends and family
  • Top-up airtime for yourself, friends and family
  • Check your balance

To top-up your airtime you dial dial *822*Amount#.

This must be done with your registered mobile number

Maximum single amount is N2,000

To top-up for family & friends you dial *822*Amount*Mobile Number#.

Then select your desired service provider either Glo, MTN, Airtel and Etisalat, Maximum amount per transaction is N2, 000.

To submit your BVN you dial *822*3*BVN NO#

To submit your BVN (for Non-Interest Banking) you dial *822*4*BVN NO#.

To get your BVN NO you dial *5650#.

To check your account balance you dial *822*6*NUBAN#.

To retrieve your account number just dial *822*5#.

ZENITH BANK USSD-Nigerian banks USSD money transfer Codes

To transfer money if you are using Zenith bank dial *966*AMOUNT*NUBAN# (e.g. *966*1000*1234567890#) from the phone number you registered with Zenith Bank, then follow the on-screen prompts. You can also perform other transactions like, opening an account, checking account balance and buying of airtime through the Nigerian bank USSD codes. It’s very useful not just for transfer only.

To open an account you dial *966*0# and follow the onscreen notification.

To check your account balance dial; *966*0*0# on your mobile phone and follow the on-screen notification.

To buy airtime for yourself or for your friends and family you dial *966*Amount*Mobile Number# (e.g. *966*1000*0803456789#) to buy airtime.


For customers of FCMB you need to dial *389*214#, after dialling an FCMB welcome message will appear with these options.

  • 1-Activate with card
  • 2-Activate with Account
  • 3-Activate with Mwallet

You are required to select option 2 by typing 2 and pressing send, after that a message will appear telling you to add your account number to the service. You will then receive a congratulatory message telling you that you have successfully synchronized. For you to perform any transaction you will have to generate your PIN which will be sent to your phone, to do that you need to call the contact centre on 01-2798800 or you visit any FCMB branch.

For security purposes it is required for you to change your PIN to do that you dial *389*214# then you select security, under security you will select change PIN then you put in your default PIN given to you after that you enter your new four digits PIN when prompted.

After all these steps have been completed you can start using and enjoying FCMB Mobile service.

Please note that you can always Dial *389*214# for subsequent access to FCMB Mobile service.


For ECOBANK customers you have nothing to worry about because with the ECOBANK USSD code you can also perform basic transaction like:

  • Make instant transfers
  • Check balances
  • Pay bills
  • Read mini-statements
  • Buy airtime

To get started you dial*326#. 


For those banking with Unity Bank you can perform your normal banking transaction like transferring money to other banks.

To get started you dial *389*215#


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. To get started you dial *833#

So these steps and codes we have listed above are ways one can easily transfer money from one bank to another through the use of Nigerian banks USSD MONEY TRANSFER CODES. If you have any questions feel free to ask and don’t forget to share for others to benefit.

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  1. Okey says

    i am being asked to supply secure pass for amounts greater than 20,000. How do i get it?

  2. pikazy says

    wats d code for diamnd nt diamnd yello

  3. hamid saleh says

    for union bank the code

  4. Zephaniah says

    give me the code of diamond bank not diamond yellow pls or the link to download mobile transfer thanks

  5. ojb says

    for uba is *919#

  6. Peter chimaobim says

    plz what is the code of uba

    1. ojb says

      for uba the code is *919#

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