FUNDS TRANSFER USSD CODES FOR ALL NIGERIAN BANKS WITHOUT INTERNET

We all know the convenience and security associated with cashless banking. We all have our various banks, it is also known that almost every Nigerian has a mobile app dedicated to electronic bank transactions which makes banking so convenient to an extent that banks customers can pay for service and carryout other bank transactions at the comfort of their homes. However, all these mobile banking platforms are powered by internet, via wifi or mobile network data services. These sometimes can be a constraint to users, hence the need for a robust platform that will carter for those that cannot afford data, smart phones, or those that may find themselves in areas where data services are not available or limited. I am happy to bring to your notice that there is an offline platform available for mobile banking called USSD code banking operations.

In this post, I am going to provide the codes for various Nigerian Banks. This list may not be exhaustive, but definitely covers the most popular banks in Nigeria

Advantages of ussd banking over internet banking

Just about any mobile phone can use it even phones without multimedia and internet facilities
It saves cost obviously because you do not need to have data to transact
it saves queue in the banking halls
it is faster than Internet banking because it has fewer processes
It can be used to pay bills e.g recharge cards
Convenient and comfortable to use everywhere you go as it can work easily with edge/2g /gsm network. This makes it more reliable compared to internet banking that requires stable internet connectivity

DISADVANTAGES WHEN COMPARED TO INTERNET BANKING

Though the advantages of USSD outweighs its disadvantages. Below are two flaws associated with USSD banking:

If there is a network fluctuation, you may not receive the transaction successful notification and the transaction might have been completed(Solution to this: please confirm that you have not been debited whenever you fail to receive a confirmatory alert before retrying)
If you have a real and complete internet banking solution especially one that requires a hard token device, you will know that there are no limits to what you can do with your account. Your withdrawal limits is more than 20 times that of ussd in Nigeria. Ussd limits are equals to ATM limits with some banks while it is slightly more in others like GT BANK.

Requirements

This operations can only be performed on a phone with the sim card registered to the bank
The is no all in one code as you will soon find out. A code is peculiar to a bank

LIST OF USSD CODES FOR VARIOUS BANKS IN NIGERIA

For Union Bank PLC: *389*032# and you have all the features of Union Mobile (check balance, funds transfer, airtime top up, bills payment, etc.)

Unity Bank: you can perform your normal banking transaction like transferring money to other banks.

To get started you dial *389*215#

Sterling bank: before you can use the bank USSD code you first have to register by dialing *822#

Fidelity bank: account to another bank account, dial *770*Account number*Amount#.E.g *770*0987654321*1000#

wema bank: if you want to transfer money to another account all you have to do is to dial *322*035*NUBAN*AMOUNT#.Example *322*035*1234567890*20000#

1. Access Bank:
—-*901#
2. EcoBank:
—-*326#
3. FCMB:
—-*389*214#
4. First Bank
—-*894#
5. GTB:
—-*737#
6. Heritage Bank:
—-*322*030#
7. Keystone Bank:
—-*322*082#
8. Sky Bank:
—-*389*076*1#

9. Stanbic IBTC:
—-*909#
10. UBA:
—-*389*033*1#
11. Zenith Bank:
—-*966#
12. Diamond Bank
—-*710*555#
13 To know your BVN, dial
—-*565*0#.