Banks USSD Codes for Mobile Money Transfer

The advent of Modern Technology has made it so, that bank transactions can be done even on mobile phones irrespective of the model or size. The first feature was the mobile top up. Now, you can as well do money transfer right on your phone with the use of USSD code which will save you the stress visiting any bank thereby avoiding unnecessary delay.

Money transfer can only be possible when you use the same mobile phone number you registered in your account.

Some banks required that you visited their nearest branch to configure your phone before you can carry out transactions using your mobile phone.

Below is the list of Banks that offers money transfer service through USSD (A-Z)

This is the complete list. Click on any of them to jump to your bank of choice. Thank me later.

mobile money

Diamond Bank Code

For Diamond Bank Customers the Mobil Transfer USSD code are;

For inter bank transfer 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 Code

Ecobank USSD code is safe and flexible you perform the following basic transaction such as: Make instant transfers, Check balances, Pay bills, Read mini-statements and Buy airtime

To get started you dial*326#.(For Nigeria User Only)

For those in the following country:

Kenya  Dial *335#

Tanzania Dial *150*18#

Uganda Dial *235#

Fidelity Bank Code

To transfer money from Fidelity bank account to another account, dial *770*Account number*Amount# e.g. *770*0987654321*1000#, Then select the beneficiary bank Name (e. g.first bank, access bank or Skye bank etc.)

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

Before you enter your PIN the beneficiaries account number will be shown to you once again to avoid sending money to the wrong account.

Note: for those that has both savings and current account with Fidelity bank and you’re using the same phone number for the both accounts, Note that your current account will be debited first before your savings account.

Currently the transfer limit per transaction is N10,000 and N20,000 per day.

First Bank Code

Transaction is made easier in First bank because there are various options to choose. You can transfer money, pay bills, withdraw money or make purchases.

To transfer money, simply dial *894# , Select 1 and follow the Prompt

First City Monument Bank (FCMB)

For customers of FCMB to start using the USSD code all you need to do is dial *389*214#, after this a welcome message will appear with following options.

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

You are required to select an option by inputting the number that precede the option. To Activate the USSD code Enter 2 and press send, after that a message will appear asking you to add your account number.

For you to perform any transaction you will have to generate your PIN which will be sent to your phone, to get this visit any nearest FCMB branch.

For security purposes it is required you change your Default PIN, to do this dial*389*214#

  • Select security;
  • Under security select change PIN press Enter;
  • then you input the default PIN given to you press Enter
  • Enter your new four digits PIN and press Enter.

After all these steps have been completed you can start using and enjoying FCMB Mobile dialing *389*214# for subsequent access to FCMB Mobile service.

Guaranty Trust Bank (GTB) Code

Guaranty trust bank has just two options. One is to transfer to a GTB bank account and the other is to transfer to beneficiaries in other banks.

To send to a GTB bank account, dial *737*1*Amount*NUBAN Account No#. E.g. *737*1*3000*1234567890#.

To send to a beneficiary’s account, dial *737*2*Amount*NUBAN Account No# e.g. *737*2*7000*1234567890#.

The last four digits of your Naira MasterCard is required to confirm each transaction. There is a transfer limit of N1,000 and a daily transfer limit of N20,000

Skye Bank Code

Skye Bank USSD for mobile banking ia quite simple, safe and very easy to use. For Customers it’s a secure and fast way to transfer funds to Skye bank accounts and to other bank accounts as well.

Like other Banks Skye Bank USSD code allows you to pay bills, check account balance, and transfer funds conveniently.

To begin, simply dial *833# to get started

Sterling Bank Code

For Sterling bank account holders before you can use the USSD code you first have to register.  To do this, Using the phone number registered on the account  Dail *822# and follow the Instruction. After registration you will get a PIN that will be required every time you want transact on your mobile phone using the USSD code.

Note that N5 will be deducted from your airtime balance everytime you dial the sterling bank ussd code on your phone.

1.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

2.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.

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

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

5.To get your BVN NO you dial *565*0#.

6.To check your account balance you dial *822*6*A/c Number#.

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

Unity Bank Code

For Unity Bank Customer you can carry out transaction on your mobile phone conveniently. To get started, Just dial *389*215#

Wema Bank Code

For wema bank customer, in order to transfer money to another account all you have to do is to dial *322*035*NUBAN*AMOUNT#.

e.g. *322*035*2254369823*20000#.

Zenith Bank Code

In order for you to be able to use this service or any other services,you first have to register for the USSD banking service.

To Register for Zenith Bank USSD Service:

  1. Dial *966*00#with the number linked into your account.
  2. You will be prompted to enter the last 4 digits of your Debit (ATM) card number.
  3. The next page will display your Account Name and you will be prompted to create a 4 digit PIN.
  4. Confirm the 4 digit PIN.
  5. A success message will appear “ Retrieving your balance.
  6. You will receive an SMS with the balances on all your accounts.

Now to send money,  dial *966*Amount*Account Number# (e.g. *966*1000*2005203658#) from the phone number linked into the account, then follow the prompts.

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