Current Bank Transfer Codes for All Major Banks in Nigeria 2026
Every major Nigerian bank and fintech platform has a USSD code that lets you transfer money, check your balance, and buy airtime without the internet. Below is a complete quick-reference table for all banks, followed by step-by-step guides for the most-used ones.
Quick Reference: Transfer Codes for All Nigerian Banks (2026)
- GTBank (GTB) — Transfer:
*737#| Balance:*737*6*1#| Airtime:*737*Amount# - Zenith Bank — Transfer:
*966#| Balance:*966*00#| Airtime:*966*Amount# - Access Bank — Transfer:
*901#| Balance:*901*00#| Airtime:*901*Amount# - First Bank — Transfer:
*894#| Balance:*894*00#| Airtime:*894*Amount# - UBA — Transfer:
*919#| Balance:*919*00#| Airtime:*919*Amount# - Wema Bank / ALAT — Transfer:
*945#| Balance:*945*0#| Airtime:*945*Amount# - Moniepoint — Transfer:
*5573#| Balance:*5573*5#| Airtime:*5573*Amount# - Fidelity Bank — Transfer:
*770#| Balance:*770*0#| Airtime:*770*Amount# - FCMB — Transfer:
*329#| Balance:*329*0#| Airtime:*329*Amount# - Ecobank — Transfer:
*326#| Balance:*326*0#| Airtime:*326*Amount# - Union Bank — Transfer:
*826#| Balance:*826*0#| Airtime:*826*Amount# - OPay — Transfer:
*955#| Balance:*955*0#| Airtime:*955*Amount# - PalmPay — Transfer:
*861#| Balance:*861*0#| Airtime:*861*Amount# - Stanbic IBTC — Transfer:
*909#| Balance:*909*0#| Airtime:*909*Amount# - Sterling Bank — Transfer:
*822#| Balance:*822*5#| Airtime:*822*Amount# - Polaris Bank — Transfer:
*833#| Balance:*833*0#| Airtime:*833*Amount# - Keystone Bank — Transfer:
*7111#| Balance:*7111*0#| Airtime:*7111*Amount# - Unity Bank — Transfer:
*7799#| Balance:*7799*0#| Airtime:*7799*Amount#
All codes work on MTN, Airtel, Glo, and T2 Mobile (formerly 9Mobile), provided the SIM is registered to the account. A standard USSD session fee of approximately N6.98 applies per session.
GTBank (GTB) Transfer Code: *737#
GTB USSD code is *737#.
How to Transfer Money on GTBank (GTB)
- Dial *737*1*Amount*AccountNumber# for GTB to GTB transfers
- Dial *737*2*Amount*AccountNumber# for transfers to other banks
- Confirm the account name and enter your 4-digit PIN
- A confirmation SMS arrives within seconds
Other GTBank (GTB) USSD Functions
- Check balance: *737*6*1#
- Buy airtime: *737*Amount#
- Buy data: *737*4#
- Block card: *737*51*10#
- GTB loan (QuickCredit): *737*51*51#
Zenith Bank Transfer Code: *966#
Zenith Bank USSD code is *966#.
How to Transfer Money on Zenith Bank
- Dial *966*Amount*AccountNumber# for any transfer — Zenith or other bank
- Select destination bank from the menu if transferring externally
- Confirm the beneficiary name and enter your USSD PIN
Other Zenith Bank USSD Functions
- Check balance: *966*00#
- Buy airtime: *966*Amount#
- Open account: *966*0#
- Cardless withdrawal (at Zenith ATM): *966*60#
Emergency block: *966*911#
Access Bank Transfer Code: *901#
Access Bank USSD code is *901#.
How to Transfer Money on Access Bank
- Dial *901*Amount*AccountNumber# for all transfers
- For other banks, select the destination bank when prompted
- Enter your PIN to confirm
Other Access Bank USSD Functions
- Check balance: *901*00#
- Buy airtime for self: *901*Amount#
- Buy airtime for others: *901*Amount*PhoneNumber#
- Open account: *901*0#
Access QuickBucks loan: *901*11#
First Bank Transfer Code: *894#
First Bank USSD code is *894#.
How to Transfer Money on First Bank
- Dial *894*Amount*AccountNumber# for transfers
- Select destination bank if sending outside First Bank
- Confirm name and authorise with PIN
Other First Bank USSD Functions
- Check balance: *894*00#
- Buy airtime: *894*Amount#
- Open account: *894*0#
- Cardless withdrawal at FirstBank ATM: *894*Amount#
- Block account: *894*911#
UBA Transfer Code: *919#
UBA transfer code is *919#.
How to Transfer Money on UBA
- Dial *919*3*AccountNumber*Amount# for UBA to UBA transfers
- Dial *919*4*AccountNumber*Amount# for transfers to other banks
- Confirm the account name and enter your 4-digit PIN
Other UBA USSD Functions
- Check balance: *919*00#
- Buy airtime: *919*Amount#
- Buy data: *919*14#
- Account opening: *919*20#
- PIN reset: *919*5*1#
For the complete UBA USSD guide covering every function including borrowing and account opening, see our dedicated UBA USSD Code article.
Wema Bank / ALAT Transfer Code: *945#
Wema bank transfer code is *945#.
How to Transfer Money on Wema Bank / ALAT
- Dial *945*Amount*AccountNumber#
- Choose destination bank if transferring outside Wema
- Confirm account name and enter your USSD PIN
Other Wema Bank / ALAT USSD Code Functions
- Check balance: *945*0#
- Buy airtime: *945*Amount#
- Register USSD banking: *945*0# (first-time setup)
- ALAT accounts use the same *945# code — no difference
Moniepoint Transfer Code: *5573#
Moniepoint USSD code is *5573#.
How to Transfer Money on Moniepoint
- Dial *5573*1*Amount*AccountNumber# to transfer to another Moniepoint account
- Dial *5573*2*Amount*AccountNumber# to transfer to any other Nigerian bank
- Enter your USSD PIN to confirm
- A confirmation SMS arrives once processed
Other Moniepoint USSD Functions
- Check balance: *5573*5#
- Buy airtime: *5573*Amount#
- Block account (emergency): *5573*911#
- Retrieve OTP: *5573# then select OTP option
- Reset PIN: *5573# then navigate to PIN management
- Note: Activate USSD banking first in the Moniepoint app under Settings > USSD Banking
Moniepoint is Nigeria's largest merchant acquirer, powering the majority of in-person POS payments nationwide. The *5573# code replaced the older *389# — use *5573# for all transactions in 2026.
Fidelity Bank Transfer Code: *770#
Fidelity Bank USSD code is *770#.
How to Transfer Money on Fidelity Bank
- Dial *770# and navigate to Transfers
- Select destination bank and enter account number and amount
- Confirm the account name and enter your PIN
Other Fidelity Bank USSD Functions
- Check balance: *770*0#
- Buy airtime for self: *770*Amount#
- Buy airtime for others: *770*Amount*PhoneNumber#
- Block account: *770# then navigate to Security
FCMB Transfer Code: *329#
FCMB USSD code is *329#.
How to Transfer Money on FCMB
- Dial *329# and select Transfer
- Enter destination bank, account number, and amount
- Confirm and authorise with your PIN
Other FCMB USSD Functions
- Check balance: *329*0#
- Buy airtime: *329*Amount#
- Pay DStv: *329*2*Smartcard Number#
Pay GOtv: *329*2*Smartcard Number#
Ecobank Transfer Code: *326#
Ecobank USSD code is *326#.
How to Transfer Money on Ecobank
- Dial *326# and navigate to Transfer
- Enter destination bank, account number, and amount
- Confirm and enter your PIN
Other Ecobank USSD Functions
- Check balance: *326*0#
- Buy airtime: *326*Amount#
- Bill payments: *326# then navigate to Bills
Union Bank Transfer Code: *826#
Union Bank USSD code is *826#.
How to Transfer Money on Union Bank
- Dial *826# and select Transfer
- Enter destination bank, account number, and amount
- Confirm the name and authorise with your PIN
Other Union Bank USSD Functions
- Check balance: *826*0#
- Buy airtime: *826*Amount#
- Bill payments: *826# then navigate to Bills
OPay Transfer Code: *955#
USSD code for Opay is *955#.
How to Transfer Money on OPay
- Dial *955*1# and select Transfer
- Enter recipient OPay number or bank account details
- Enter amount and confirm with your PIN
Other OPay USSD Functions
- Check balance: *955*0#
- Buy airtime: *955*Amount#
- OPay loan (OKash): *955*5#
- OPay Bank Code / Sort Code: 000036 (for receiving bank transfers from other institutions)
PalmPay Transfer Code: *861#
Palmpay USSD code is *861#.
How to Transfer Money on PalmPay
- Dial *861*1# and select Transfer
- Enter recipient PalmPay number (for PalmPay to PalmPay) or bank account details
- Enter amount and confirm with your PIN
Other PalmPay USSD Functions
- Check balance: *861*0#
Buy airtime: *861*Amount#
Other Nigerian Banks and Their USSD Transfer Codes
The following banks have confirmed USSD codes. For each, dial the main code and navigate the on-screen menu to transfer money, check your balance, or buy airtime.
Banks Without USSD Codes in Nigeria
Two widely used platforms do not currently offer standalone USSD banking:
- Kuda — Kuda does not have its own outward transfer USSD code. You can receive money into a Kuda account from other banks via those banks' USSD (e.g. dial *737*50*Amount*416# on GTB to send to Kuda). For sending money out of Kuda, the app is required.
- Providus Bank — Providus does not offer USSD banking. All transactions must go through the Providus mobile app or internet banking portal.
What to Do Once Your Naira Arrives
If you have gift cards or crypto, you can sell them for cash straight on the FlipEx App. Withdrawal from FlipEx to any bank account in Nigeria.Once Naira lands in any of these banks, you can move it further with the correct bank transfer USSD codes listed above. Sell gift cards or crypto on the FlipEx app and your Naira lands in your FlipEx wallet — withdraw directly to any Nigerian bank on this list instantly. The whole process takes under two minutes and there are no transfer fees.
Frequently Asked Questions
What are the transfer codes for all Nigerian banks?
GTB *737#, Zenith *966#, Access *901#, First Bank *894#, UBA *919#, Wema *945#, Moniepoint *5573#, Fidelity *770#, FCMB *329#, Ecobank *326#, Union Bank *826#, OPay *955#, PalmPay *861#. See the full quick-reference table at the top of this guide.
What is the Wema Bank transfer code?
The Wema Bank transfer code is *945#. Dial *945*Amount*AccountNumber# to initiate a transfer. The same code works for ALAT by Wema accounts.
What is the Moniepoint USSD code?
The Moniepoint USSD code is *5573#. Use *5573*1*Amount*AccountNumber# for Moniepoint to Moniepoint transfers and *5573*2*Amount*AccountNumber# for transfers to other banks. Activate USSD banking first in the Moniepoint app under Settings.
What is the OPay USSD code?
The OPay USSD code is *955#. Dial *955*1# to transfer money, *955*0# to check your balance, and *955*Amount# to buy airtime.
What is the OPay swift code?
OPay's swift code is 000036. You need this when receiving a bank transfer into your OPay account from another Nigerian financial institution.
What is the PalmPay USSD code?
The PalmPay USSD code is *861#. Use *861*1# for transfers, *861*0# for balance, and *861*Amount# for airtime.
Does Kuda Bank have a USSD code?
No — Kuda does not currently have a standalone outward transfer USSD code. To send money from Kuda you must use the Kuda app. However, you can receive money into your Kuda account from other banks using those banks' USSD codes.
Do these USSD codes work on all networks?
Yes. All codes listed here work on MTN, Airtel, Glo, and T2 Mobile (formerly 9Mobile), provided the SIM is registered to the bank account you are accessing.
What is the UBA transfer code?
The UBA transfer code is *919*3#. For a complete breakdown of every UBA USSD function, see our dedicated UBA USSD Code guide.
What is the Fidelity Bank transfer code?
The Fidelity Bank transfer code is *770#. Dial *770# and navigate to Transfers, or use *770*Amount*AccountNumber# for a direct transfer shortcut.
What is the FCMB transfer code?
The FCMB USSD code is *329#. Dial *329# and select Transfer to send money to any Nigerian bank.