Full List of Nigerian Banks’ USSD Codes (2025 Update)

USSD banking is still a lifesaver in Nigeria in 2025. I use it all the time—no internet, no smartphone required, just a simple code dialed on any phone. Whether you want to check your balance, transfer money, or pay bills, these USSD codes work on even the most basic feature phones. Here’s my up-to-date guide to the latest Nigerian bank USSD codes and how to use them.

What is USSD Banking and Why Does It Matter?

USSD (Unstructured Supplementary Service Data) lets you perform banking transactions by dialing a shortcode—like *123#—on your phone. In 2025, nearly every Nigerian bank supports USSD, making it the most accessible way to bank for millions. I rely on USSD whenever I’m out of data or my banking app isn’t working.

You can use USSD to open an account, send money, pay bills, buy airtime, check your balance, and more. Most banks charge a small fee per transaction, but it’s quick, secure, and works anywhere there’s a mobile signal.

How to Use Nigerian Bank USSD Codes

I’ve used USSD codes on both feature phones and smartphones. Just dial the code for your bank, follow the prompts, and you’re good to go. You’ll usually need to set a PIN for security. Some banks let you link multiple accounts or cards, and you can even make cardless ATM withdrawals.

Remember, always dial the code from the phone number linked to your bank account. If you switch SIMs or get a new number, update your bank records first.

2025 Full List of Nigerian Bank USSD Codes

Here’s the latest list of USSD codes for Nigerian banks. I keep this updated, but if you spot a new code or a change, let me know in the comments!

• Access Bank: *901#
• Ecobank: *326#
• Fidelity Bank: *770#
• First Bank: *894#
• FCMB: *329#
• GTBank: *737#
• Heritage Bank: *745#
• Jaiz Bank: *389*301#
• Keystone Bank: *7111#
• Polaris Bank: *833#
• Stanbic IBTC: *909#
• Sterling Bank: *822#
• UBA: *919#
• Union Bank: *826#
• Unity Bank: *7799#
• Wema Bank: *945#
• Zenith Bank: *966#

Tips for Safe and Easy USSD Banking

Here are my top tips for using USSD banking in 2025:

• Never share your USSD PIN with anyone.
• Dial codes only from your registered phone number.
• Watch out for scams—banks never ask for your PIN via SMS or call.
• Double-check the code before you dial to avoid mistakes.
• If you lose your phone, contact your bank immediately to block USSD access.

Conclusion

USSD banking is still the easiest way to manage your money in Nigeria, especially if you don’t have regular internet access. I’ll keep this list updated—if you know of any new codes or banks, drop a comment below. Stay safe and happy banking!