Complete List Of Bank Transfer Codes In Nigeria

bank transfer code

In this post we will be showing you the transfer codes of all banks in Nigeria and how you can properly use them.

Have you ever been in a situation whereby you need to transfer money urgently to someone or you need to load airtime on your phone but there is not internet access to access your bank’s online banking platform and there is no ATM around? If yes then you will understand how frustrating the situation is.

Last week I went on a supervision at a construction site. I was barely getting to the site when my assistant who I had sent to purchase some samples for a presentation called me that the money on him wont be enough for the purchase. I told him not to worry that I will transfer the balance to him immediately.

After I hung up I discovered that there is no internet reception anywhere in the area so I won’t be able to access both the mobile and internet banking. Realizing the urgency of the situation I discovered that the only thing that can help me at that point is to use my bank’s transfer code to transfer the money.

Unfortunately, I didnt know the transfer code off-hand so I had to call my assistant and told him to help me sent the code as text message.

Therefore, to help people who may be in a similar situation anytime from now, I am writing the post so as to give you all the USSD codes for transfer of all banks in Nigeria.

If you want to know how you can make withdrawal from the ATM without your ATM card read this post where we gave a comprehensive guide on how to go about it “How To Withdraw From The ATM Without a Card“.

The Transfer code Of All Nigerian Banks

This table shows the list of the transfer codes of all the banks in nigeria.
BankTransfer Code
ACCESS BANK*901#
DIAMOND BANK*710#
ECOBANK*326#
FIDELITY BANK*770#
FIRST BANK*894
FIRST CITY MONUMENT BANK (FCMB)*329#
GUARANTY TRUST BANK (GTB)*737#
HERITAGE BANK*322#
KEYSTONE BANK*533#
SKYE BANK (POLARIS BANK)*833#
STANBIC IBTC*909#
STANDARD CHARTERED BANK*120#
STERLING BANK*822#
UNION BANK*826#
UNITED BANK FOR AFRICA (UBA)*919#
UNITY BANK*7799#
WEMA BANK*945#
ZENITH BANK*966#

Access Bank Transfer Code

The Access bank transfer/USSD code is *901#, and it can be used to complete various type of transaction without going to the bank:

  • To Buy Airtime for self: Dial *901*Amount#
  • To Buy Airtime for others: Dial *901*Amount*Phone Number#
  • To Open Account: Dial *901*0#
  • To Purchase Data: Dial *901*8#
  • For Balance Enquiry: Dial *901*5#
  • To Transfer Fund To Access Bank: Dial *901*1*Amount*Account Number#
  • To Transfer Fund To Other Banks: Dial *901*2*Amount*Account Number#
  • To Pay  Bills: Dial *901*3#

Diamond Transfer/USSD code

The Diamond Bank transfer/USSD code is *426#. You can use this code to perform various transactions like send money, load airtime, pay bills and others. For Diamond Yhello account the transfer code is *710#.

Ecobank Transfer Code

The Eco bank transfer code is *326. To easily make transactions such as transfer money from Eco bank to other bank and other transaction see below.

  • Make instant transfers: Dial *326*1*AMOUNT*ACCOUNT NUMBER#
  • To Open Account: Dial *326*1#
  • To Create PIN: Dial *326*2#

Fidelity Transfer Code

The Fidelity bank transfer code is *770#, and it can be used to complete the various transaction easily:

  • To Recharge for Self: Dial *770*AMOUNT#
  • To Recharge For Others: Dial *770*PHONE*AMOUNT#
  • To Transfer funds: Dial *770*ACCOUNT*AMOUNT#

First Bank transfer code

The correct First bank transfer code is *894#. You can use this USSD Code for simple transactions like transfer money, check balance, buy airtime, pay bills and so on.

  • To register:  Dial *894*0#
  • To Recharge Airtime For Yourself: Dial *894*Amount#
  • To Recharge Airtime for others: Dial*894*Amount*Number#
  • To transfer Money: Dial *894*Amount*Account number#
  • For Your Mini-statement: Dial *894*Account number#

FCMB Transfer Code

The FCMB USSD/transfer code is *329#. You can complete most of the important transactions using this code like buy airtime, send money, pay subscription, check balance and so on. See below for the process.

  • To Buy Airtime For Yourself: Dial Dial*329*Amount#
  • To Buy Airtime For Others: Dial *329*Amount*Mobile number
  • To Send Money: Dial *329*Amount*Account number#
  • For Balance Enquiry: Dial *329*00#
  • To Change PIN: Dial *329*0#
  • To Purchase Data: Dial *329*1*Mobile Number#
  • To Pay For TV Subscription: Dial *329*2*Smartcard Number#

GTBank Transfer/USSD Code

Guaranty Trust Bank is known for their innovations in the banking industry and they are one of the first bank to launch a USSD transfer code. The transfer code of GTB is *737#. To perform transactions using the GT Bank code follow the instructions below.

  • To Open Account: Dial *737*0#
  • To Reactivate Your Account: Dial *737*11#
  • For Fund Transfer to GTBank: Dial *737*1*Amount*NUBAN Account Number#
  • For Fund Transfer to other Banks: Dial *737*2*Amount*NUBAN Account Number#
  • For Airtime Top-up for self: Dial *737*amount#
  • For Airtime Top-up For Others: Dial 737*Amount*Recipient’s number#
  • To Top-up Data: Dial *737*4#
  • To Check Your Balance: Dial *737*6*1#
  • To Check Your BVN Number: Dial *737*6*1#

Polaris Bank (Skye) Transfer Code

The transfer code/USSD for Polaris (Skye) Bank is *833. Highlighted below is how to dial the code for major transactions.

  • To Open an Account: Dial *833*1#
  • To Transfer Funds: Dial *833*AMOUNT*ACCOUNTNUMBER#
  • To Pay Bills: Dial *833*2#
  • To Check Your Balance: Dial *833*6#
  • To Buy Airtime for yourself: Dial *833*AMOUNT#
  • To Buy Airtime for Others: Dial *833*AMOUNT*PHONENUMBER#

Sterling Bank Transfer code

The Sterling Bank transfer code is *822#. You can use this code to complete some transactions easily. You use it for transactions like buy airtime, pay bills, and even transfer money. To use the code see some command below

  •  To Buy Airtime for yourself: Dial *822*AMOUNT#
  • To Buy Airtime for others: Dial *822*AMOUNT*MOBILE NO#
  • To Transfer to Sterling Bank: Dial *822*4*AMOUNT*NUBAN#
  • To Transfer To Other Banks: Dial *822*5*AMOUNT*NUBAN#.
  • To Check Account Balance: Dial *822*6#
  • To Check Your Account Number: Dial *822*8#
  • To Open an Account: Dial *822*7#
  • To Reset PIN: Dial *822*9#

Stanbic IBTC Transfer Code

The Stanbic IBTC transfer code is *909#. You can use this code to open a basic account that is convenient, secure and affordable, and can be use to perform basic operations right on your mobile phone

The *909# code can be use to buy airtime, make money transfers, pay for goods and pay bills. Just dial the code to get started.

UBA Transfer/USSD Code

UBA transfer code is *919#. With UBA transfer code, you can easily complete most of your transaction from the comfort of your home.

Unity Bank Transfer Code

The Unity bank transfer code is *7799#. To complete transactions like send money, pay bills, load airtime and others just dial the code and follow the prompt.

Wema Bank Transfer Code

The Wema bank transfer code is *945#. You can use this code to perform transaction such as money transfer, airtime purchase, balance enquiry and many more. The command code for some transaction is listed below:

  • To Buy Airtime: Dial *945*phone Number*amount#
  • To Send Money: Dial *945*beneficiary account number*amount#
  • For Balance Enquiry: Dial *945*0#
  • To Change PIN: Dial *945*00#
  • To View Your Account Number: Dial *945*000#

To Open Account: Dial *945*1#

Zenith Bank Transfer Code

The Zenith Bank transfer/USSD code is *966#. This code enable you to easily carryout transactions such as transfer from Zenith bank to other banks in Nigeria, mobile top-up, bill payment and others. See how to use the code properly below.

  • To Open Account: Dial *966*0#
  • To Check account balance: Dial *966*00#
  • To Top-up your airtime: Dial *966*Amount*Mobile Number#
  • To transfer funds: Dial *966*Amount*Account Number#
  • To Reset PIN: *966*60#
  • To Pay Bills: Dial *966*7*Amount*Customer ID#

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