Mobile Phone USSD Codes for Money Transfers for All Banks in Nigeria


As technology evolves, the financial sector is not left behind, Several softwares have been developed to make banking easier and faster. One of such is the USSD code for mobile phones, USSD means Unstructured Supplementary Service Data and is a service which allows you pay your bills and do other transactions by simply dialing a short code on your phone, USSD codes are also called Quick Codes.

Almost all banks in Nigeria now have their special USSD codes for mobile money transactions such as: Buying airtime, Account Opening, Balance Inquiry/Checking, Money transfer to same bank and other banks, Cash-on-the-go, etc.

The service is similar to internet banking except that it does not use internet access so when a person does not have access to the internet, he/she can still use USSD codes for banking transactions.

You can only use the particular SIM card or mobile line you used to open your account with to do USSD transactions. If you lose that line and don’t plan to do welcome back, simple go to the bank and change your mobile number and you’re good to go.

All USSD transactions require a PIN code which serves as your security against fraudsters and other bad people. You will be required to set the PIN code(either 4 or 5 digits) the first time you try to do a USSD transaction. .

*Please note that for most Nigerian banks, you will not be able to perform USSD transactions except you have at least 10 Naira on the mobile line you registered your bank account with so if you are not able to do a transaction (You will usually get a “Not Available” error), check your account balance and recharge your line.

USSD code mobile money transfer service is fast, secure and convenient. Find below the list of all USSD codes for mobile money transfer for all Nigerian banks which offer USSD service currently.

List of Mobile Banking USSD Codes for All Banks in Nigeria in 2016

Guaranty Trust Bank (GTB) USSD Code for Money Transfer

Guaranty Trust Bank is the leading bank in Nigeria in terms of electronic banking. They were one of the first to introduce USSD banking, GTBank’s USSD code is *737#. The minimum transfer limit is 1,000 Naira and a daily transfer limit of *20,000 Naira*.

  • To transfer money from your GTBank account to another GTBank account, just dial *737*1*Amount*Recipient’s GTB Account Number# for example *737*1*5000*0123456789#
  • To transfer money from your GTBank account to another Bank, use *737*2*Amount*Other Bank Account Number e.g. First Bank# for example *737*2*10000*0123456789#.

Fidelity Bank USSD Code for Money Transfer

Fidelity Bank USSD code is *770# and the maximum transfer allowed per day is 20,000 Naira.

  • Fidelity Bank USSD money transfer code to other banks is *770*Recipient’s Account Number*Amount# for example, *770*0123456789*5000#.

First Bank USSD Code for Money Transfer

First bank is one of the best Nigerian banks for electronic banking services. First Bank’s USSD code is *894#.

  • To transfer money, dial *894#, a list of options will appear including Transfer money, Withdraw money and Make purchases, pay bills, buy airtime and manage account. To make transfer, type 1 and send.
  • Simply follow the instructions after and make your transfer.

Wema Bank USSD Code for Money Transfer

Wema Bank is relatively new to USSD banking but they offer a good USSD service. Wema Bank USSD code is *945#.

  • To transfer money with Wema Bank, simply dial *945#
  • A list of options will appear including Open Account, My Balance, Send Money, Buy Airtime and Cash-on-the-go, Pay Bills, Change PIN, Change Account, Link BVN, Card Control, Pay with Mobile, Receive Western Union and Generate OTP.
  • Reply with “3” which is for transfer, you will then be asked to choose whether it is to a Wema Bank Account or other banks. Reply with the corresponding number and simply keep on following the on-screen instructions.

Skye Bank USSD Code for Money Transfer

Skye Bank’s USSD mobile code is *833# and to transfer, all you need to do is dial *33# from your mobile phone and follow the instructions.

Sterling Bank USSD Code for Money Transfer

Sterling Bank’s USSD mobile banking code is *822#. To perform a transfer, simply dial *822# and follow the instructions however every time you use the Sterling BankUSSD service, Five Naira will be deducted from your line.

Diamond Bank USSD Code for Money Transfer

Diamond Bank USSD code has been on the mobile money scene for a while and their USSD code is *710#.

  • To transfer money to any bank, simply dial *710*777*Recipient’s Account Number*Amount*PIN# for Y’ello Account Holders
  • For Diamond Bank to Diamond Bank account money transfers, dial *710*710*Account Number*Amount*PIN#

Ecobank USSD Code for Money Transfer

Ecobank’s Mobile USSD code is *326# and it has instant transfers, account balance, bill payments, mini-account statements and airtime purchase features. To transfer money from your Ecobank account, dial *326# and follow the on-screen instructions.

Zenith Bank USSD Code for Money Transfer

Zenith Bank’s Mobile Banking USSD code is *966# and it gives you access to open an account, check account balance, load recharge cards and transfer money.

  • To transfer money from your Zenith Bank account to another, dial *966*Amount*Recipient’s Account Number# and follow the instructions on the screen.

First City Monument Bank (FCMB) USSD Code for Money Transfer

FCMB’s mobile USSD code is *389*214#. To use the FCMB USSD service, you have to visit any FCMB branch or call their customer care on 01-2798800 to get your PIN.

  • To transfer money or do any other transaction after getting your PIN, simply dial *389*214# and follow the on screen instructions.

Unity Bank USSD Code for Money Transfer

Unity Bank’s Mobile USSD mobile code is *389*215# and to transfer money, just dial *389*215# and follow the on screen prompts.

UBA USSD Code for Money Transfer

UBA’s mobile USSD code is *919#, dial it and follow the on-screen instructions that follow.

Heritage Bank and KeyStone Bank are yet to have USSD Codes for Money Transfer.


  1. Comment:d Skye transfer code *33# isn’t going through…..
    plz update with a better idea to my mail plz “”….

  2. Pls I jst checked for diamond a/c but I Dnt understand d pin part is it my atm pin or am supposed to create a pin?my gtb it’s d last 4digit of my atm pls rply am stuck ad it’s Friday need to do transfers.

  3. Comment:ECObank Transfer code system is too band, pls Ecobank update ur system of Transfer to be like FCMB system Transfer.

  4. Comment:pls cant get d code for diamond account not yellow account.cos dis code u gave us is for yellow acount.diamond account transfer to other bank.pls d code

  5. How can I transfer money from my skyebank account to another skyebank account and to other banks since the answer is always ‘no response, to all my efforts

  6. I maintain acct with Wema Bank Kindly advise if i want to uplift my transfer limit beyond N100,000 daily to N500,000 or above in case of emergency with ordinary smart phone without register online banking . What code do i need to activate this ?