To make your financial transactions smoother, Nigerian banks offer USSD codes that allow you to perform various banking tasks from your mobile phone without the need for an internet connection or mobile app. In this article, we’ll explore the USSD codes for four leading Nigerian banks: GTB, FCMB, UBA, and Fidelity Bank.
GTB USSD codes (Guaranty Trust Bank)
GT Bank is renowned for its customer-centric approach. With GT Bank’s USSD codes that regenerate from *737#, you can:
- Check your account balance: Dial *737*6*1# and follow the prompts.
- Transfer funds: Send money to other GT Bank accounts by dialling *737*1*Amount*Recipient’s Account Number#.
- Recharge your phone: Top up your mobile phone with airtime by dialling *737*Amount#.
- Bill payments: Pay utility bills and subscriptions using *737*50*Amount*Unique Reference Number#.
- Open an account: If you’re new to GT Bank, dial *737*0# to open an account.
FCMB (First City Monument Bank) USSD code
FCMB offers a range of USSD services from the root code *329#. Such include:
- Check account balance: Dial *329*0# to see your account balance.
- Transfer money: To send funds, dial *329*Amount*Recipient’s Account Number#.
- Airtime top-up: Recharge your mobile phone with *329*Amount#.
- Bill payments: Use *329*Amount*Merchant Code# to pay bills.
UBA (United Bank for Africa) USSD code
UBA’s USSD codes are drawn from *919#, and they can make your banking a breeze:
- Account balance: Dial *919*00# to check your balance.
- Fund transfer: To transfer money, use *919*Amount*Recipient’s Account Number#.
- Airtime purchase: Recharge your phone with *919*Amount#.
- Bill payments: Pay bills with *919*30*Biller Code*Amount#.
Fidelity Bank USSD code
Fidelity Bank’s USSD services, from the base code *770#, simplify banking tasks:
- Account balance: Dial *770*0# to get your balance.
- Transfer money: Send funds by dialling *770*Recipient’s Account Number*Amount#.
- Airtime recharge: Top up your phone with *770*Amount#.
- Bill payments: Pay bills with *770*Merchant Code*Amount#.
Final thoughts on GTB, FCMB, UBA, and Fidelity Bank USSD codes
In a digital age where time is of the essence, these USSD codes are your key to unlocking the world of banking convenience.
What is USSD code on phone?
USSD, or Unstructured Supplementary Service Data, refers to codes that allow users to access various services and perform specific actions on their mobile devices. These codes are entered into the phone’s dialer and are used to initiate actions or retrieve information from the mobile network. USSD codes are typically shorter than a full phone number and don’t involve a voice call. Instead, they trigger an immediate response from the mobile network, displaying information or executing a function. Users often use USSD codes for tasks such as checking account balances, recharging prepaid credit, or accessing specific mobile services.
What is the USSD code for all bank?
The table below includes different Nigerian Bank accounts and their respective shortcodes.
| Access Bank | *901# |
| ALAT Bank | *945# |
| Ecobank | *326# |
| FCMB | *329# |
| Fidelity Bank | *770# |
| First Bank | *894# |
| GTBank | *737# |
| Heritage Bank | *745# |
| Keystone Bank | *7111# |
| Polaris Bank | *833# |
| Stanbic IBTC Bank | *909# |
| Sterling Bank | *822# |
| UBA | *919# |
| Union Bank | *826# |
| Unity Bank | *7799# |
| Wema Bank | *945# |
| Zenith Bank | *966# |
Why is my phone saying USSD code running?
The “USSD code running” message is an indication that a USSD code is being executed on your device. USSD codes are shortcodes that mobile phone users can dial to access various services or perform specific actions. The message is typically displayed while the code is being processed, and once the action is completed, the message should disappear. Users usually don’t need to take any further action unless additional prompts are provided during the USSD session.
What is USSD in banking?
Absolutely, the *99# service is a USSD-based mobile banking solution that enables users to perform banking transactions using basic feature mobile phones. USSD does not require internet data connectivity, making it accessible to users without smartphones or internet-enabled devices. This service provides a convenient and widely available way for users to access essential banking services through simple USSD codes, making it accessible to a broader range of mobile phone users.
What is 3 digit bank code?
It is composed of a three-digit financial institution number which identifies your bank and a five-digit transit number that identifies your specific bank branch.