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.

CORONAVIRUS (Covid-19) : GTBank Stops Repayment Of Loans For 90 Days


Guaranty Trust Bank also known as GTBank has announced its hold on loan repayment for all small and medium enterprises (SMEs) due to Covid-19 Pandemic.


GTBank of Nigeria has placed a hold on its loan repayment plan for all Small and Medium Enterprises (SMEs) that have obtained credit facilities from the bank.

The bank revealed this decision is made to reduce the effect of the Coronavirus pandemic on SMEs amid the lockdown.

However, This was revealed and shared via its social media handle and it reads,

“As a result of the Covid-19 pandemic, and because small businesses have had to stay closed to stay safe, we’re giving a 90-day moratorium on repayment of the following loans.”

The bank explained that the exempted businesses are those in the food industry, fashion industry, and quick credit for businesses would enjoy a moratorium of 90 days on such loans.

This means that small businesses in the aforementioned categories have three months to continue to pay their loans.

The nation’s capital, Abuja, Lagos and Ogun states have been badly hit by the effect of COVID-19 lockdown order issued by President Muhammadu Buhari with the aim to stop the spread of the COVID-19 pandemic which has disrupted business activities.


In this case, Covid-19 Pandemic and lockdown has affected many business throughout the nation and to be recalled that GTBank has earlier donated some materials to the federal Government of Nigeria in support to stop the spread of deadly disease, Coronavirus.


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