Every bank and wallet USSD code in The Ledger: what each code does for transfers, airtime, balance and loans, what to try when one stops working, and how to keep a USSD account safe.
The exact *901# strings for airtime on your own line and another number, how to find data bundles, and what to do when airtime fails.
The Access Bank balance string, what the network charges for it, and other ways to see your balance when USSD will not connect.
Why *901# fails: the wrong line, network trouble, a blocked or opted-out profile, a forgotten PIN, and how to re-register your number.
First-time *901# PIN setup with your date of birth, the two reset routes Access Bank lists, and what to do if you lost the linked line.
The *901*Amount*Account# string, PIN setup, charges, limits and what to do when a USSD transfer hangs or you are debited twice.
What Access Bank Nigeria's own pages say about withdrawing cash without a card, what they do not say, and safer ways to get cash today.
How your KYC tier and the channel you use set your Access Bank transfer limit, where to see your own cap, and how to raise it safely.
The Access Bank *901# codes confirmed by the bank and by published guides: registration, PIN reset, transfers, balance, airtime, loans and blocking.
How to set or reset your Ecobank *326# PIN, the usual reasons the code fails, and who to contact at Ecobank Nigeria when nothing works.
Step-by-step Ecobank *326# transfers to Ecobank and other banks, what to have ready, what it costs, and what to do when a USSD transfer fails.
What Ecobank publishes about transfer limits on the Xpress Account, app and *326#, why your limit depends on your tier, and how to raise it.
The Ecobank *326# functions Ecobank itself names, from transfers and statements to PIN change, Xpress Account opening and loans, plus safe-use rules.
How to approach an FCMB *329# PIN reset, the common reasons the code fails, what to check on your phone and when to call FCMB instead.
The FCMB *329# transfer string, how to register and create your PIN, what the session costs, and what to do when a USSD transfer fails.
How FCMB transfer limits are set by your KYC tier and channel, what is and is not published, and how to raise your daily limit safely.
FCMB's USSD code is *329#. Here is every function we could confirm, where each list comes from, and how to check the live menu on your own phone.
How to change or reset your Fidelity *770# PIN, what the lock-out rules are, and what each *770# error usually means, from Fidelity's own FAQ.
The exact *770# transfer strings Fidelity publishes, the ₦20,000 per-transaction and ₦100,000 daily caps, the PIN step and what a transfer costs.
Fidelity's *770# caps, the deposit and balance limits on Tier 1, 2 and 3, the corporate online limit, and how to raise what you can send.
Every short code Fidelity Bank publishes for *770#, from balance and transfers to card blocking and cardless cash, with the limits that apply.
The exact *894# strings for airtime and data for your own line or someone else's, who can use them, and what First Bank does not publish.
The First Bank balance string, the mini-statement code, what First Bank says about the cost, and other ways to see your balance.
Why *894# fails: registration, SMS alert enrolment, the wrong line, account type, a deactivated number or the network, and how to fix each.
Reset or change your five-digit *894# Quick Banking PIN with *894*0#, what to do if you have no working debit card, and how to keep it safe.
The *894# transfer string, how to pick the receiving bank, which PIN to use, what it costs with stamp duty, and what First Bank says about limits.
What FirstBank actually publishes about transfer and card limits, what it does not, and the routes it gives for raising a limit that is too low.
Every FirstBank *894# code from the bank's own page: register, balance, transfer, airtime, data, bills, card control and how to switch USSD off.
The exact *737# strings for your own airtime, airtime for someone else and data bundles, the daily recharge cap GTBank lists, and what to do if it fails.
The *737*6*1# balance code, the ₦10 per-enquiry charge GTBank lists, and cheaper ways to see your balance through GTWorld and alerts.
Why *737# fails: a phone number GTBank does not hold, network trouble, PIN issues, limits or a blocked profile, and how to fix each one.
Create your first 737 PIN with *737*5# and your debit card digits, what GTBank says (and does not say) about resets, and what to do without a card.
The *737*1# and *737*2# transfer strings, how the PIN and token step works, the daily limits GTBank publishes and the charges to expect.
The *737*51*10# card hotlist string, the GTWorld Block Card option, four other routes GTBank lists, and how to get a replacement afterwards.
The 737 transfer limits GTBank publishes, how token type changes what you can send, how account tier caps you, and how to ask for a higher limit.
Every *737# string on GTBank's own 737 FAQ, from transfers and balance to data, OTP, cardless cash and bills, with the charge GTBank lists for each.
The two charges on a GTBank *737# transaction: GTBank's own fee and the network's ₦6.98 USSD charge, how each is applied, and what the CBN rules say.
The Stanbic IBTC *909# strings for balance, airtime and data, what the bank and your network charge, and why a request fails.
Why Stanbic IBTC *909# fails: unregistered line, no airtime, poor signal, outdated BVN records or a blocked profile, and how to fix each one.
Create or reset your Stanbic IBTC *909# PIN with *909*11*1#, what you need with or without a debit card, and how the app PIN differs.
How to send money with Stanbic IBTC *909*1#, what you pay in bank, network and stamp duty charges, and where to check your USSD limit.
How Stanbic IBTC transfer limits work across the app, *909# and Internet Banking, how account tier caps them, and the in-app steps to raise yours.
Every *909# string and menu path Stanbic IBTC publishes, from balance and transfers to blocking your account, with what each needs and costs.
The UBA *919# strings for airtime and data for yourself or another number, what UBA charges, the daily airtime cap and why the page shows two figures.
How to check a UBA account balance on *919#, what UBA lists as the charge, the free mini statement, and the other places to see your balance.
Why UBA *919# fails: unlinked number, SMS alerts off, wrong profile, airtime, PIN, network or limits, with the fix for each and who to call next.
How to set up and reset a UBA *919# PIN through the PIN Setup menu, what UBA charges for it, and what to do if you cannot complete the steps by phone.
The exact UBA *919# transfer strings for UBA, other banks and fintechs, the PIN and token limits UBA lists, the fee bands and the ₦50 stamp duty.
How to withdraw cash from a UBA ATM without a card using *919*30*Amount#, what it costs, and what UBA does and does not publish about limits.
UBA's published *919# caps, the Tier 1 deposit and balance limits on Savings Lite, what UBA does not publish for the app and Leo, and how to raise yours.
Every *919# string UBA lists for transfers, balance, airtime, data, bills, card block, BVN and PIN, with the charge UBA shows beside each one.
The Zenith *966# string for airtime on your line or another, how to buy data through the menu, what it may cost and what to do when a top-up fails.
Check a Zenith Bank balance by USSD with *966*00#: steps, what a balance check may cost, when the figure can mislead, and other ways to see it.
Why Zenith's *966# fails: wrong SIM, unregistered line, locked PIN, network trouble or a blocked profile, and the fix for each one in order.
Setting up a Zenith *966# PIN for the first time, resetting a forgotten or locked one with *966*60#, and what to do if you have no debit card.
The *966*amount*account number# string for Zenith USSD transfers, each step to the PIN, what you pay, and why your USSD limit may be lower than in the app.
Zenith Bank's published daily transfer caps for *966#, internet banking and the eaZymoney wallet, what decides your app limit, and how to raise it.
Every Zenith Bank *966# code as Zenith lists it: registration, balance, transfers, airtime, bills, card block, cardless codes and limits.
Which AB Microfinance Bank USSD code and app details we could confirm, which we could not, and how to get the right code without falling for fakes.
Accion Microfinance Bank's USSD code is *572#. What it does, how the AccionMonie app compares, and how to keep both safe from fraud.
Baobab Microfinance Bank's USSD strings for balance, airtime, transfers and bills, how to activate them, and what the My Baobab app does.
Does Fina Trust Microfinance Bank have a USSD code? What we could and could not verify, and what the Fina Trust Mobile app actually does.
Globus Bank's USSD code is widely given as *989#. What we could and could not confirm, how USSD banking works, its charges, limits and safety.
Hasal Microfinance Bank lists USSD among its channels but prints no code. What its app does, how to get the right code and what transfers cost.
Jaiz Bank USSD runs on *389. The airtime string reported for Jaiz, how to find the full menu on your phone, the network charge and the limits to ask about.
Every Keystone Bank *7111# code: registration, balance, transfers, airtime, data, the *7111*911# panic code, PIN reset and the ₦100,000 daily limit.
The LAPO USSD code widely published as *371#, what each string is said to do, what LAPO itself confirms, and how to check before you dial.
Lotus Bank's USSD code is not shown on its readable official pages. What third-party guides report, how to confirm the real code and use it safely.
No USSD code or app for Mutual Trust Microfinance Bank was published anywhere we could check in October 2026. How to get the right code safely.
We could not confirm *646# as NIRSAL MFB's USSD code on any official page. What the NMFB Mobile app does and how to register on it.
NOVA Bank's USSD code is *682#. How to register without a card, what you can do on it, the tier limits on Classic Savings and how to stay safe.
NPF MFB's website lists no USSD code or mobile app in October 2026. Its published channel is online banking. How to use it and confirm any code safely.
Optimus Bank's USSD service runs on *930#. How to register, what bank USSD menus usually cover, what it costs and how to keep your account safe.
We could not confirm Parallex Bank's USSD code on an official page in October 2026. How to get the right code safely and use USSD banking well.
Every Polaris Bank *833# short code, how to register and set a PIN, the ₦50,000 transfer limit and the fees the bank publishes.
PremiumTrust Bank's USSD code was not on any official page we could read in October 2026. How to get it from the bank and use USSD safely.
Whether Providus, now ProvidusUnity, has a published USSD code, what legacy Unity *7799# does, the CBN fee rule and the network charge on each session.
Signature Bank Nigeria's USSD code is *647#. How to register, the services to expect, limits and charges to confirm, and how to keep it safe.
How to take cash from an ATM without your Sterling card using *822*42#, the ₦20,000 limit and ₦100 charge, and what Sterling does not publish.
Every Sterling Bank *822# code from the bank’s own page, how to register, the ₦20,000 and ₦100,000 transfer limits and each charge as at October 2026.
SunTrust Bank does not publish a USSD code on its contact page. How to confirm the real one, how USSD banking works and what it costs.
We could not confirm TAJBank's USSD code from the bank's own pages. How to get the real code, set it up, what it costs and how to stay safe.
Every *826# string Union Bank publishes: activation, airtime, data, transfers and cardless cash, plus how USSD is charged and what the page does not list.
Whether Unity Bank's *7799# USSD code and UniFi app still work under ProvidusUnity, what the bank has published, and what to use if a code fails.
The ₦6.98 USSD fee is a telecoms charge per session, now taken from airtime. What banks add, and what a USSD transfer really costs.
Every *945# string Wema publishes: registration, balance, transfers, airtime, data, BVN, account opening, PIN change and the emergency block code.
9PSB runs on *990#. The menu options 9PSB confirms, how your phone number becomes your account number and how to move from USSD to the app.
What Wema's *945# code does for ALAT account holders, how to register with *945*01#, the published transfer cap and how to stay safe on USSD.
Yes: Carbon lists *1303# for funding, airtime and transfers. Here are the exact strings from Carbon's FAQ and the limits that still apply.
Kuda has no USSD code for sending money. What its help centre says, how to fund Kuda by USSD from another bank, and other offline options.
What we could confirm about Eyowo's USSD code, how withdrawals from Eyowo work after its 2024 licence reinstatement, and what to do if a balance is stuck.
FairMoney is built around its app and we found no published USSD code for transfers. What that means offline, the alternatives and the fake-code risk.
The MoMo PSB USSD code *671# and the short codes MoMo publishes for BVN linking and wallet funding, what each does, and how to keep a USSD wallet safe.
Every Moniepoint *5573# shortcode, the USSD limits Moniepoint states, how to switch the channel on and how to block an account.
Bank transfer, card top-up, USSD from your bank or cash at an agent: how each way of funding OPay works, what it can cost and how long credit takes.
OPay's USSD code is *955#. What OPay itself confirms it does, the lock codes to save today, how it works without data and how to stay safe using it.
Paga's USSD service runs on *242#, with *242*14# for verification codes. What Paga's help centre covers, the PIN rules and how to use it safely.
Four ways to add money to PalmPay, what each one costs the sender, how fast it lands, and what to do when a deposit does not show up.
*861# is the code widely used for PalmPay USSD banking. What it lets you do without data, how to set it up safely, and how to confirm the code yourself.
How to open and use a Smartcash PSB account by dialling *939#, what the menu covers, the *9393# withdrawal code and the fees to check first.
Yes: V Bank's own blog names *5037# as its USSD code, for airtime, bills and more. What it is for, how to use it safely, and the other offline options.
What AEDC has published about a USSD code for tokens, the bank USSD routes that sell electricity, and how to buy safely when you have no data.
EEDC does not publish its own USSD code for tokens as at October 2026. Which bank codes can work, how to use them safely and EEDC's own channels.
EKEDC does not publish its own USSD code. These are the bank USSD strings for Eko tokens we could confirm, and the official channels EKEDC lists.
Whether IBEDC publishes its own USSD code, which bank USSD menus list IBEDC or electricity, what they charge, and how to buy a token safely by USSD.
The USSD code Ikeja Electric publishes is *7024# for token retrieval and KCTs; buying is done through your bank's code. What each needs.
Buying a PHED token through PHED Pay, a bank app, USSD or a POS agent: what each channel can charge and how to see the fee before you pay.
Bank USSD codes for Airtel data from GTBank, FirstBank and Keystone, daily limits, what the session charge is, and what to do if a purchase fails.
Airtel's airtime balance code is *310#, which replaced *123#. What the reply shows, loan balances, and other ways to check your credit.
Airtel's data balance code is *323#, which also shows expiry. Other routes, how grace periods work, and why the balance can look wrong.
Find your own Airtel number and current tariff plan through the *121# menu, plus other ways to confirm the number and whose name it is in.
Every Airtel Nigeria code documented on Airtel's pages and the NCC's harmonised list, checked October 2026: balance, data, Me2U, VAS and support.
Paying DStv from an Access Bank account by *901# or the AccessMore app: what you need, the menu route, the ₦6.98 network charge and checks.
First Bank's *894*3*CustomerID# bills string, the 5-digit PIN setup, the FirstMobile route, and what to check before you pay DStv.
Paying DStv from a GTBank account by *737# or GTWorld: what you need, the menu route, what GTBank's code table does and does not list, and fees.
UBA lists *919*5# for bill payments at ₦100 plus VAT. How to pay DStv by USSD or the UBA app, set up *919#, and avoid the old *919*30# code.
Zenith lists *966*7*Amount*CustomerID# for DStv. How to register *966#, pay by USSD, eazyMoney or the app, and what charges apply.
The bank USSD codes that sell Glo data, the daily limits and charges the banks publish, and what to do when a data purchase fails but you are debited.
Every way to check your Glo data balance: the NCC's *323# code, the older *127*0#, Self Care and Glo's app, plus how night data is shown.
Every Glo code we could confirm in October 2026, from Glo's own pages and the NCC's harmonised list, for data, balance, sharing, borrowing and tariffs.
The USSD routes for paying GOtv on Zenith, UBA, GTBank and Access, the strings each bank publishes, the charges, and steps for any bank.
Buying MTN data through *737#, *894#, *966# and other bank codes: what banks say about charges and daily limits, and when MTN's own code is better.
Every working way to see your remaining MTN data and its expiry: *323*4#, SMS 2 to 323, *310#, the myMTN app, Zigi, and the router balance code *461*4#.
MTN's working USSD codes for balance, data, borrowing, sharing, NIN checks, subscriptions and plan changes, each traced to MTN or NCC pages.
Every official Spectranet renewal route as at October 2026, which ones are instant, why bank transfers take 48 hours and what to do when a renewal fails.
The bank USSD strings that support StarTimes or bill payments, the charges banks publish, and the app steps for OPay and PalmPay using your smartcard.
Every T2 (9mobile) short code we could confirm on T2's own pages and the NCC's harmonised list, grouped by task, with the old codes you should stop using.
Migo lends through other companies' apps and USSD menus. Here is how you reach an offer, what it checks, and how to confirm the lender first.
Dial *901*11#, use QuickBucks or the Access app. Who qualifies, what Access Bank charges upfront, and the checks that stop a PayDay Loan request.
Ecobank's Xpress Loan sits behind an Xpress account opened on *326#. Who it was built for, the steps, why it may not show, and what to confirm first.
How to request FCMB FastCash on *329# or the FCMB app, what the bank looks at, the ₦500,000 limit reported in the press and why requests fail.
How to request a Fidelity Bank digital loan on USSD or the mobile app, what the bank checks, why requests fail and how to read the cost before you accept.
How to request FirstBank FirstAdvance (salary earners) or FirstCredit (non-salary) on *894*11# or FirstMobile, the published limits and what to check.
Step-by-step QuickCredit on *737*51*51#, GTWorld and Internet Banking, the conditions GTBank publishes, the 2.95% monthly rate and a worked cost example.
The Polaris Bank USSD route for salary advance, where loans sit in the VULTe app, who qualifies and the reasons a request does not go through.
The Stanbic IBTC code for EZ Cash, how to check eligibility in USSD and the app, who the bank lends to and why a request does not go through.
Step-by-step: requesting UBA Click Credit on *919# or the UBA app, who qualifies, what the offer screen shows and why requests fail.
How Union Bank salary earners request a digital loan on *826# or UnionMobile, what to check first, and why a Union Bank loan request is refused.
Looking for a USSD code to check your credit score? What the bureaus' own sites offer today, why to be careful with circulating codes, and how to check.
GTBank, Access and Polaris USSD loans pay cash into a salary account. How Loans on Spaces differs on who qualifies, where money goes and acceptance.
How Nigerian bank USSD loans work on a basic phone: how a limit is offered, how you accept with your PIN, how repayment is taken and what to check.
Nigerian banks’ USSD loan codes as shown on their own pages in October 2026, which codes we could not confirm and how a USSD loan is accepted.
NIBSS lists ₦20 for *565*0#, the BVN retrieval code. What that covers, how USSD session charges work, and free ways to see your BVN instead.
Dial *565*0# from the phone number on your BVN to see it. The ₦20 charge NIBSS lists, why the code sometimes fails, and what to use instead.
Ways to find your BVN when you have no airtime, lost the registered line or the code fails: bank apps, internet banking, the branch and old paperwork.
Dial *346# from the phone line on your NIMC record to get your NIN. The 2025 reported charge, the steps, and what to do if it says not found.
Main USSD codes and shortcuts for balance, transfer, airtime and blocking at Nigerian banks, from each bank's own page as at October 2026.
USSD banking works on any phone, which also makes it a target. How *code fraud happens in Nigeria and the settings that keep your account safe.
How long a Nigerian bank has to refund a failed ATM, POS, web, transfer or USSD transaction under CBN rules, and where the published rules disagree.
A USSD transfer is an ordinary interbank transfer, so the same wrong-transfer rules apply. What the bank can do, and what it will not tell you.
How merchant USSD codes work in Nigeria, the steps a customer follows to pay, what it costs each side, and how and when the money settles.
Other collections: OPay: guides and fixes · BVN and NIN · Government fees and documents · Bank codes, sort codes and SWIFT. Or browse the whole library.
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