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It first started with a simple USSD code for recharging mobile airtime.
But now many banks have improved the service to include money transfers and bill payments all with just a USSD code. That is, by just dialing some short codes on your mobile phone, you can now transfer money to anyone, to any bank anywhere and pay bills.
With USSD code mobile money service, there is no longer need to queue up at the banking hall just to deposit small amount of money. It’s fast, convenient and secure.
Here we will list all available USSD codes for money transfer for all Nigerian banks that offer the service currently.

Guaranty Trust Bank (GTB) USSD Money Transfer Code

To initiate transfers to a GTBank account, simply dial *737*1*Amount*NUBAN Account No#
 e.g. *737*1*1000*1234567890# from the mobile number registered with the Bank.
For transfers to beneficiaries in other Bank’s, customers should simply dial *737*2*Amount*NUBAN Account No# e.g. *737*2*1000*1234567890#. Customers will then require the last four digits of their GTBank Naira MasterCard to authenticate each transaction.
The *737* Transfer service is only available to GTBank customers via their mobile phone numbers registered with the Bank and has minimum transfer limit of N1,000 and a daily transfer limit of N20,000. Your daily limit can be up to N200,000 or more.

Fidelity Bank USSD Money Transfer Code 

To transfer money from Fidelity bank account to another bank account, simply dial
 *770*NUBAN Account number*Amount#
NUBAN Account number is the 10 digit account number issued by any bank.
Dial this from the mobile number registered with your Fidelity Bank account.
Then select the beneficiary bank Name.
Enter your transfer PIN to confirm transfer. The recipient account number will be shown to you before you enter the  PIN. This lets you verify that you’re not sending money to a wrong account.
If you are using the service for the first time, you will be requested to create one. You can dial *770#, Enter your NUBAN Account number (Fidelity bank account number), Select a 4-digit PIN for your account.
However, if you have two accounts with Fidelity bank, let say current and saving account and you’re using the same phone number for both account, your current account will be debited first before your savings account.
Transfer limit per transaction is N10,000. Maximum transfer per day is N20,000

Wema Bank USSD Money Transfer Code

For Wema Bank customers, to do a quick FUNDS TRANSFER, dial *322*035*NUBAN*AMOUNT#
The Wema Quick Recharge Code should only be used with the phone number registered with the bank.

First Bank USSD Money Transfer Code

First bank USSD code allows you to transfer money, pay bills, withdraw money or make purchases conveniently on your phone. 
To use the service, simply dial *894#

Diamond Bank USSD Money Transfer Code

For Diamond Bank Y’ello account holders, use *710# to access mobile banking options. 
For transfer to any bank, Dial *710*777*ACCOUNT NO*AMOUNT*PIN#.
For Diamond Y’ello to Diamond Y’ello Transfers Dial 
For other Diamond account holders, you can currently use the diamond mobile app.

Ecobank USSD Money Transfer Code

With Ecobank Mobile Banking, you can do all your banking transactions on your mobile phone. You can Make instant transfers, Check balances, Pay bills, Request mini-statements, Buy airtime and many more.
Dial *326# to get started.

Zenith Bank USSD Money Transfer Code

Zenith Bank’s 966 Mobile Banking allows you to open new zenith bank account, check balance, load airtime or transfer money to another bank account.
To open a zenith bank account simply dial *966*0# and follow the onscreen prompts.
To check for balances on any of your accounts, all you need to do is simply dial; *966*00#
To load airtime simply dial *966*Amount*Mobile Number# on your phone
To transfer money to another account
Dial *966*Amount*Account Number# (e.g. *966*1000*1234567890#) from the phone number you registered with Zenith Bank, then follow the on-screen prompts.

First City Monument Bank (FCMB) USSD Money Transfer Code

To use FCMB mobile banking service
Dial *389*214#
FCMB Welcome Message is displayed with the following options
1.Activate with card
2.Activate with Account
3.Activate with Mwallet
Choose option 2 by typing 2 and send.
Enter your account number
Call Contact Centre on 01-2798800 or visit any FCMB branch to generate your PIN.
Once you got your PIN Dial *389*214# on the phone and click on Security, Select Change PIN to enter your default PIN and enter your new four digits PIN when prompted
Dial *389*214# for subsequent access to FCMB Mobile service.

Unity Bank USSD Money Transfer Code

Unity Bank USSD mobile banking gives you secure and fast way to transfer funds to Unity bank accounts and to other bank accounts.
Simply dial *389*215# to get started

United Bank for Africa (UBA) USSD Money Transfer Code

United Bank for Africa (UBA) USSD mobile banking gives you secure and fast way to recharge airtime, submit/update BVN Number and transfer funds to UBA bank accounts and to other bank accounts.
Simply dial *919# from your registered phone number to get started.

Skye Bank USSD Money Transfer Code

Skye Bank USSD mobile banking gives you secure and fast way to transfer funds to Skye bank accounts and to other bank accounts.
Skye Bank USSD mobile banking allows you to make bill payments, check account balance, transfer funds etc hassle-free and conveniently.
Simply dial *833# to get started

Sterling Bank USSD Money Transfer Code

Sterling Bank USSD provides a smarter way of banking using *822#:
To get started, just dial *822# on the phone number linked to your sterling bank account and follow the prompts accordingly.
Note that N5 will be deducted from your airtime balance everytime you dial the sterling bank ussd code on your phone.
A PIN will also be required to complete transactions via the ussd code. You will get the pin when you register for the Sterling bank *822# service.
Are we missing your bank? Use the comments box for suggestions. Remember we love comments.


  1. Are there any limits in deposits and minimum balance on the Zenith Bank account opened by phone

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