Nigerian USSD Code Finder
Nigerian USSD Code Finder
Search your bank or network and get the code instantly. Last verified 2026-07-05.
GTBank
BankAccess Bank
BankFirst Bank
BankUBA
BankZenith Bank
BankFCMB
BankFidelity Bank
BankSterling Bank
BankWema Bank / ALAT
BankUnion Bank
BankPolaris Bank
BankUnity Bank
BankHeritage Bank
BankStanbic IBTC
BankEcobank
BankKeystone Bank
BankOPay
BankPalmPay
BankMoniepoint
BankKuda
BankKuda has no dedicated USSD code of its own — confirmed via Kuda's own Help Center. To add money by USSD, use a partner bank's code (e.g. GTBank *737#, Access Bank *901#) and transfer to your Kuda account number.
MTN
NetworkAirtel
NetworkGlo
Network9mobile
NetworkCodes can change — always confirm with your bank or network. Never share your PIN with anyone.
How it works
What is a USSD code?
A USSD code is a short number sequence — starting with * and ending with # — that you dial like a phone call to reach a menu of services, instead of opening an app. USSD banking works on any phone, smartphone or not, and needs no internet connection at all, which is exactly why it's so widely used for a quick bank transfer code or to check balance while out of data.
Every Nigerian bank has its own main USSD code (GTBank's is *737#, for example), and from there a menu — or a longer code you type in one go — lets you check your balance, transfer money, or buy airtime. Mobile networks work the same way: MTN, Airtel, Glo and 9mobile all share a common set of codes for checking your balance, buying data, and borrowing airtime, since the Nigerian Communications Commission harmonized these across every network.
How to use USSD banking safely
- Never share your USSD PIN with anyone, including someone claiming to be from your bank.
- Only dial USSD codes from the phone number registered to your account — codes typically won't work from any other line.
- Double-check the account number and amount on your screen before confirming any transfer.
- If your phone is lost or stolen, contact your bank immediately to block USSD access on your account.
- Ignore any text or call asking you to dial a code to "reverse" or "verify" a transaction — that's a common fraud tactic.
Looking for something else while you're offline? Our data plan calculator helps you plan how long a data bundle will last, and our currency converter converts naira to major foreign currencies. Or head back to the full tool directory to see everything NaijaCalc offers.
Frequently asked questions
Do USSD codes work without internet?
Yes — that's the entire point of USSD. It runs over the same signal as a phone call, so it works even with zero data balance or in areas with weak internet, as long as you have basic network coverage.
Are USSD transactions safe?
USSD banking is generally safe when used correctly: dial from your registered number, keep your PIN private, and verify transaction details on screen before confirming. Most fraud happens when people are tricked into sharing their PIN or dialing a code sent by a scammer, not from a flaw in USSD itself.
Why is my USSD code not working?
Common causes: you're dialing from a number not registered with that bank or network, your SIM has a network issue, the bank's USSD service is temporarily down, or the code has changed. If a code here doesn't work, confirm the current code directly with your bank or network.
What if my bank isn't listed here?
We've covered the major Nigerian banks, all four mobile networks, and the most-used fintech wallets. If yours is missing, check your bank's official app, website, or a recent SMS/statement for their USSD code.
Is USSD banking free to use?
Most banks charge a small fee per USSD session (commonly around ₦6.98, standardized across Nigerian banks) rather than data charges, since it doesn't use the internet. Some individual transaction types may carry their own separate fee — check your bank's tariff guide for exact figures.