All Bank USSD Codes in Nigeria (2026): The Complete Cheat Sheet
No data, no problem. USSD lets you transfer money, check your balance, buy airtime and pay bills on any phone — just by dialling a short code. Here's the verified list for Nigeria's main banks and fintechs, plus the security rules that keep it safe.
Security first: your USSD PIN is as sensitive as your card PIN. Never share it, dial codes only from your own registered number, and remember: no bank ever asks for your PIN or OTP by call or SMS.
Commercial banks
| Bank | USSD code |
|---|---|
| GTBank (GTCO) | *737# |
| Access Bank | *901# |
| Zenith Bank | *966# |
| UBA | *919# |
| First Bank | *894# |
| Fidelity Bank | *770# |
| FCMB | *329# |
| Sterling Bank | *822# |
| Stanbic IBTC | *909# |
| Ecobank | *326# |
| Wema Bank / ALAT | *945# |
| Union Bank | *826# |
| Polaris Bank | *833# |
| Unity Bank | *7799# |
| Keystone Bank | *7111# |
Fintechs / digital banks
| Provider | USSD code |
|---|---|
| OPay | *955# |
| PalmPay | *861# |
| Moniepoint | *5573# |
| Kuda | No dedicated USSD — fund from another bank's code |
How to use them
Dial the code and follow the menu. Common shortcuts (examples):
- GTBank:
*737*1#to send money;*737*Amount#to buy airtime. - Zenith:
*966*0#to check balance;*966*Amount#to buy airtime.
Each bank's menu differs slightly — the first time, dial the base code and follow the prompts to set up and see all options.
Staying safe on USSD
- Never share your USSD PIN or any OTP — with anyone, including "bank staff".
- Dial only from your registered phone number.
- If your SIM is lost or swapped, tell your bank immediately — SIM-swap fraud targets USSD. See how to protect yourself from bank fraud.
- Watch the charges — some USSD sessions carry a small fee; see Nigerian bank charges explained.
Choosing an everyday account or a low-fee neobank? Compare them on our bank accounts page and see reviews like OPay and GTBank.
Frequently asked questions
What is the GTBank USSD code? *737# — dial it to transfer, buy airtime, check your balance and more without data.
Does Kuda have a USSD code? No — Kuda is app-first and has no dedicated USSD code; you fund it from another bank using that bank's code.
Are USSD transactions safe? Yes, if you guard your PIN, dial from your own number, and never share an OTP. Report a lost or swapped SIM to your bank at once.
Educational information, not financial advice. USSD codes are accurate as at 2026 but can change — confirm your bank's current code and charges with the bank, and never share your PIN or OTP.
