Imagine you’re in a rush, your internet is down, and you need to send money, check your balance, or pay a bill. What do you do? Instead of stressing over mobile banking apps or long queues at the bank, you can use USSD codes—quick, simple, and available on any mobile phone, even without internet access. These codes make financial management effortless, allowing you to handle transactions securely and efficiently on the go.
USSD (Unstructured Supplementary Service Data) codes are short, dialable codes that let you perform banking tasks instantly. In this guide, we’ll walk through the USSD codes for four major Nigerian banks: FCMB, GTB, UBA, and Fidelity Bank—and break them down in a way that’s easy to understand and use.
GTB (Guaranty Trust Bank) USSD Codes – *737#
GT Bank’s USSD banking service revolves around *737#, making banking effortless. Here’s what you can do:
| Action | USSD Code |
|---|---|
| Check account balance | *737*6*1# |
| Transfer money (GTB to GTB) | *737*1*Amount*Recipient’s Account Number# |
| Transfer money (GTB to other banks) | *737*2*Amount*Recipient’s Account Number# |
| Buy airtime for yourself | *737*Amount# |
| Buy airtime for others | *737*Amount*Recipient’s Number# |
| Pay bills | *737*50*Amount*Unique Reference Number# |
| Open a new account | *737*0# |
| Block your account (in case of fraud) | *737*51*74# |
How it Works:
Say you want to send ₦5,000 to a friend’s GTB account. Just dial:
*737*1*5000*1234567890#Follow the prompt, enter your PIN, and boom—it’s done!
FCMB (First City Monument Bank) USSD Codes – *329#
FCMB’s mobile banking is all about simplicity. Here’s what you can do with their *329# USSD service:
| Action | USSD Code |
| Check account balance | *329*0# |
| Transfer money | *329*Amount*Recipient’s Account Number# |
| Buy airtime for yourself | *329*Amount# |
| Buy airtime for others | *329*Amount*Recipient’s Number# |
| Pay bills | *329*Amount*Merchant Code# |
| Buy Data | *329*1*Mobile Number# |
| Reset PIN | *329*0# |
| Check Account Balance | *329*00# |
Example:
If you need to recharge ₦1,000 for your younger sibling, dial:
*329*1000*08123456789#No need to run to a recharge vendor—it’s done instantly!
UBA (United Bank for Africa) USSD Codes – *919#
UBA’s USSD banking *919# ensures you’re always in control. Here’s how it works:
| Action | USSD Code |
| Check account balance | *919*00# |
| Transfer money (UBA to UBA) | *919*3*Account Number*Amount# |
| Transfer money (UBA to other banks) | *919*4*Account Number*Amount# |
| Buy airtime for yourself | *919*Amount# |
| Buy airtime for others | *919*Phone Number*Amount# |
| Pay bills | *919*5# (Follow prompts) |
| Open an account | *919*20# |
| Flight Payment | *919*12# |
Example:
Need to send ₦10,000 to a friend using another bank? Dial:
*919*4*1234567890*10000#Confirm with your PIN, and your friend gets the money immediately!
Fidelity Bank USSD Codes – *770#
Fidelity Bank’s USSD *770# ensures you’re always a few taps away from your money.
| Action | USSD Code |
| Check account balance | *770*0# |
| Transfer money | *770*Recipient’s Account Number*Amount# |
| Buy airtime for yourself | *770*Amount# |
| Buy airtime for others | *770*Recipient’s Number*Amount# |
| Pay bills | *770*Merchant Code*Amount# |
| Open an account | *770*01# |
| BVN | *770*7# |
| Update BVN Details | *770*7*1# |
Example:
If you want to check your account balance, just dial:
*770*0#You’ll receive an SMS with your current balance in seconds.
Why Use USSD Banking?
Still wondering why USSD codes matter? Here’s why they’re a game-changer:
- No internet required – Works on any mobile phone, anywhere.
- Super fast – No need to open apps or visit a bank.
- Always available – 24/7 access, even at midnight.
- Safe & secure – Requires your PIN to confirm transactions.
Banking doesn’t have to be stressful. With these USSD codes, you can send money, check balances, and pay bills in seconds—whether you’re at home, at work, or on the move. So, the next time you need to handle banking on the fly, just dial the right code and get it done instantly!
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