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Complete List Of Nigerian Banks USSD Codes For Mobile Banking


Full list of Nigerian Banks USSD codes, the importance of mobile banking and how to do it.


FinanceNaija report shows that many people in Nigeria, African embraced USSD mobile banking than internet banking. Nigerian Banks are now focusing more on phone transaction just to make easy and flexible for their users.

Therefore, one of the functions of commercial banks is to serve their customers in the best and convenient ways.

Everybody don’t have access to the Internet but everybody have access to USSD phone banking at anywhere with any phone. Gone are the days when you will need to visit bank for every transaction, that’s the advantages of mobile banking and internet banking with app.

You don’t need to go to your bank and request for the details anymore, below are everything you need to do your transaction on any phone.


First Bank Of Nigeria

First Bank is one of the best bank with the highest number of customers in Nigeria. The First Bank Nigeria mobile banking or First bank self service make transactions very easy for their customers. Their mobile transaction code is *894#.


Access Bank

Access Bank is one of the best Nigerian Banks that will continue to fight for the top list of commercial banks in Nigeria with their services and branches. The Access Bank always fall among the good types of commercial banks. Their mobile banking code is very simple to use and very fast. The USSD code is *901#


Guarantee Trust Bank, GTBank

Central Bank of Nigeria itself knows the worth of GTBank in the country as the bank with the highest number of customers in Nigeria.

Guarantee Trust Bank also run one of the best mobile banking apps. I believe their customers knows much about the advantages of mobile banking. GTBank phone transaction code is *737#.


Fidelity Bank Nigeria

Fidelity Bank PLC  is one of the banks in Nigeria that follows the normal functions of commercial banks. The Fidelity Bank grew from a marginal player into a stable, respectable and reliable banking institution.

The Fidelity Bank mobile transaction code is *770#.


United Bank For Africa, UBA Bank

UBA Bank of Nigeria really knows the features and importance of mobile banking with their clean apps for Android. UBA phone banking USSD code is *919#.


Stanbic IBTC Bank

Stanbic IBTC bank as a member of an authorized financial services and registered credit provider, the Standard Bank Group.

The Stanbic IBTC bank phone banking code is *909#.


Complete List Of Nigerian Banks USSD Codes For Mobile Banking


Check out the full list of Nigerian Banks USSD codes for mobile banking

  • First Bank of Nigeria – *894#
  • Access Bank – *901#
  • GTBank – *737#
  • Fidelity Bank – *770#
  • UBA Bank – *919#
  • Stanbic IBTC – *909#
  • Zenith Bank – *966#
  • Ecobank – *326#
  • Polaris – *833#
  • Jaiz bank – *389*301#
  • Sterling bank – *822#
  • Heritage – *322*00#
  • Keystone bank – *7111#
  • Union Bank – *826#
  • Wema bank – *945#
  • Unity bank – *7799#
  • First City Monument bank (FCMB) – *389*214#


How to use Phone USSD codes for bank transactions

If you are using the code for the first time for bank transaction, you will need to make a simple registration for easy access.

You will need to create your own PIN code and some banks in Nigeria may request for last four digits of debit card or ATM card. Just get the code of your bank above and dial it on phone, enter the last 4 digital of card (if  requested) then create your 4 digits PIN code. That’s all and you are free to go.




I believe nobody like queuing at the bank, it irritates a lot and almost all banks in Nigeria are trying to reduce the crowd at the bank to the very little with the charges on any transactions you skip to do on app or USSD.

If you have any question or any addition to the above list of Nigerian Banks with their USSD codes for mobile banking. Use the comment box below to talk to us.

The Truth Behind Access Bank Alleged 340 Branches Closure


The alleged Access Bank of Nigeria on the closure of 340 branches across Nigeria and to sack a lot of workers has been addressed. 


On Saturday, the Managing Director of the bank, Herbert Wigwe allegedly to have announced the closure of over 300 branches nationwide via video conferencing in a town hall meeting with the staff.

Meanwhile, many Nigerians has been reacting to the news and claimed why the bank would donated money to Federal Government and planning to sack staff weeks later. Nigerian female music star, Yemi Alade queried Access Bank management on this.


Wigwe was quoted to have said his decision was in a move to reduce operating costs due to the COVID-19 pandemic.


The MD was quoted as said that about 75% of the staff, most of whom are outsourced and are offering “non-essential services,” would be affected and the salary of the remaining staff will be reviewed and reduced.

While reacting to the allegations, the Access Bank’s Head Media Relations, Abdul Imoyo, denied all the allegations, noting that the branches were closed at the onset of the COVID-19 lockdown.


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His full statement reads;

“This is not correct. Branches were closed at the onset of the COVID-19 lockdown.

As the structure of the lockdown has been relaxed, the branches will be reopened in a phased approach, and with adherence to physical distancing guidelines.

“We advised the public when we closed over 540 branches (60 left to operate) in response to our business continuity plan for a crisis of this nature.

This was further buttressed by Lagos State and subsequently the FGN’s stay at home or work from home order.

“With the proposed lifting of that order from May 4th, we recognise that the threat of the virus is still out there and are planning to do a phased opening of the branches.

So yes an additional 200 branches (bringing the total to 260) would be opened in the first phase.

“The staff at the frontline are also people’s sons, daughters, wives, husbands e.t.c and we have to be very mindful how we expose them. So staff would also be rotated.

“We have however made arrangements to pair the branches so customers whose branches are yet to be opened can be served from an alternate branch and those messages are going out to customers over this weekend and by Monday.


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