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All Nigerian Banks USSD Codes, Sort Codes & Swift Codes

In Nigeria, the banking industry is a vital component of the economy and plays a crucial role in the country’s financial system. Banks in Nigeria offer various services to their clients, including online banking, mobile banking, and USSD codes. This page will discuss the sort codes, swift codes, and USSDs Nigerian banks utilize. We will also list all the codes for the banks.

Sort codes, swift codes, and USSDs are crucial components of the Nigerian banking industry. They help ensure that money transfers are processed accurately and securely and facilitate consumer access to banking services. We can anticipate further developments in the banking sector as technology continues to advance, and these codes will play a crucial role in ensuring that banking services remain accessible and secure.

What Is Sort code?

Sort codes are distinctive identifiers that are assigned to each Nigerian bank branch. They are a series of numbers used by banks to designate their branches and are primarily employed for domestic money transfers within Nigeria. Sort codes are crucial because they ensure that money transfers are sent to the correct bank branch.

What Is USSD Code?

USSD codes are the unique codes used by banks in Nigeria to provide mobile banking services to consumers. USSD codes are a practical method for customers to access banking services, and they are compatible with all mobile phone types, including smartphones and feature phones. Customers can use USSD codes to verify their account balances, transfer funds, pay bills, purchase airtime, and conduct additional banking transactions.

What Is Swift Code?

Swift codes, on the other hand, are unique identifiers used for international money transfers by institutions. They are also referred to as BIC codes, and they are used globally to designate banks and financial institutions. Swift codes are an integral component of the international financial system, and they are crucial for ensuring the accuracy and security of international money transfers.

Differences Between USSD Codes, Sort Codes & Swift Codes

Feature Sort Codes Swift Codes USSDs
Functionality Domestic transfers of funds within Nigeria Transferring money internationally Services for mobile banking
Format 9 digits 8-11 alphanumeric characters *xyz# or #xyz#
Unique ID Each branch of a bank has its own sort code Each bank has its own swift code Each bank has a distinct USSD code
Usage For domestic money transfer transit within Nigeria For conducting international bank-to-bank money transfers For using mobile phones to access financial services
Convenience Inconvenient for international money transfers. Facilitates international money transfers Accessing financial services via mobile devices is convenient
Availability Available for all Nigerian banks Available to all financial institutions and banks worldwide Available for Nigerian institutions that offer mobile banking
Security Used exclusively for domestic money transfers Ensures the safety of international money transfers Provides access to financial services in a secure manner
Accessibility Cannot be used outside of Nigeria Can be used for worldwide international money transfers Compatible with all mobile devices, including feature phones
Fees Low or no fees for domestic wire transfers Transferring money internationally incurs higher fees USSD transactions incur low or no fees.

Nigerian Banks Sort Codes, USSD & Swift Codes

Bank Name Sortcode USSD Code City SWIFT Code

Access Bank

44150149 *901# Lagos ABNGNGLA

Ecobank Nigeria Plc

50150311 *326# Lagos ECOCNGLA

Fidelity Bank Plc

70150003 *770# Lagos FIDTNGLA

First Bank Of Nigeria Plc

11152303 *894# Lagos FBNINGLA

First City Monument Bank Plc

214150018 *329# Lagos FCMBNGLA

Guaranty Trust Bank Plc

58152052 *737# Lagos GTBINGLA

Keystone Bank

82150017 *7111# Lagos PLNINGLA

Nigeria International Bank (Citigroup)

23150005 Lagos CITINGLA

Polaris Bank Plc

76151006 *833# Lagos PRDTNGLA

Stanbic-Ibtc Bank Plc

221159522 *909# Lagos SBICNGLX

Standard Chartered Bank Nigeria Ltd

68150057 *977# Lagos SCBLNGLA

Sterling Bank Plc

232150029 *822# Lagos NAMENGLA

United Bank For Africa Plc

33154282 *919# Lagos UBNINGLA

Union Bank Of Nigeria Plc

32156825 *826# Lagos UNAFNGLA

Unity Bank Plc

215082334 *779# Lagos ICITNGLA

Wema Bank Plc

35150103 *945# Lagos WEMANGLA

Zenith Bank Plc

57150013 *966# Lagos WEMANGLA

How To Use USSD Codes

Bank Name Transaction Type USSD Code

Access Bank

Airtime Top-Up for Yourself 901Amount#
Top-up Airtime for Others 901Amount*Phone Number#
Account Deactivation 901911#
Bills Payment 9013#
Transfer to Other banks 9012AMOUNTNUBAN Account Number#
Transfer to Access Account 9011AMOUNTNUBAN Account Number#
Check Account Balance 90100#
Account Opening/ PIN Change/Registration 9010#

ALAT Bank

Airtime Top-Up for Yourself 945Amount#
Top-up Airtime for Others 945phone Number*Amount#
Check Account Balance 9450#
Transfer to ALAT Account 945Account Number*Amount#
Transfer to Other banks 945Account Number*Amount#

Ecobank

Airtime Top-Up for Yourself 326Amount#
Top-up Airtime for Others 326Amount*PhoneNumber#
Check Account Balance 3260#
Bills Payment *326#
Transfer to Ecobank Account *326#
Transfer to Other banks *326#

Fidelity Bank

Airtime Top-Up for Yourself 770AMOUNT#
Top-up Airtime for Others 770PHONE*AMOUNT#
ATM cardless withdrawal 7708*AMOUNT#
Block Account from USSD Banking 77008012345678#
Block Card 770911#
Block Phone from USSD Banking 770911*08012345678#
Change PIN 77000#
Check Account Balance 7700#
Choose SMS and Email Alert 7702#
Bills Payment *770#
Transfer to Fidelity Account 770ACCOUNT*AMOUNT#
Transfer to Other banks 770ACCOUNT*AMOUNT#
Updating BVN 77002#

FCMB

Airtime Top-Up for Yourself 329Amount#
Top-up Airtime for Others 329Amount*Mobile number#
Block USSD Profile or Bank Account 329911#
Buy Data 3291*Mobile Number#
Check Account Balance 32900#
Bills Payment (DSTv/GOTv) 3292Amount*Smartcard Number#
Pay Electricity Bill 3293AmountMeter No# or 3293AmountAccountID#
Reset PIN 3290#
Transfer to FCMB Account/ Other banks *329*Amount*Account number#

First Bank

Account Opening 8940#
Airtime Recharge for Others 894Amount*Phone Number#
Airtime Recharge for Yourself 894Amount#
Check Account Balance 89400#
Deactivate Your Mobile Number 894911#
Mini-Statement 894Account Number#
Register for USSD Banking 8940
Transfer to First Bank/Other bank Accounts 894Amount*Account Number#

GTBank

Account Opening 7370#
Top-up Airtime for Others 737Amount*Recipient’s number#
Airtime Top-Up for Yourself 737amount#
Check Account Number/Check Account Balance/BVN 7376*1#
Create PIN 7375#
Data Top-Up 7374#
Make Enquires 7376#
Reactivate Account 73711#
Transfer to GTBank Account 7371AmountNUBAN Account Number#
Transfer to Other banks 7372AmountNUBAN Account Number#

Heritage Bank

Airtime (Yourself) 745Amount#
Airtime (Third Party) 745Amount*MobileNumber#
Balance Enquiry 7450#
Bet9ja Top-up 745222Bet9jaUserIDAmount#
Block Your Account from any phone 74511#
Change USSD PIN 74500#
Transfer to a Heritage Bank Account 7451AmountAccountNumber#
Transfer to Other Banks 7452AmountAccountNumber#
LCC Payment 745000*522+etagNo+100#
Pay with USSD (on POS/Web) 745000*RefCode#
USSD Registration With ATM Card 745AccountNumber*Last6DigitOfCard#
USSD Registration Without ATM Card 745AccountNumber#

Keystone Bank

Activate Debit Card 71119*123#
Change your default Top-up Account 7111AcctNo#
Check account balance 711100#
Check Account Balance 71111#
Mobile Data Top-Up 71115#
Panic Code (In case of theft/password compromise) 7111911#
Bills Payment *7111*2#
Recharge for others 7111Amount*Phone Number#
Recharge your phone 7111Amount#
Send Money 7111Amount*Nuban Account Number#
USSD Registration 71110#

Polaris Bank

Top-up Airtime for Others 833AMOUNT*PHONENUMBER#
Airtime Top-Up for Yourself 833AMOUNT#
Check Account Balance 8336#
Opening Account 8331#
Bills Payment 8332#
Pay With MasterPass 8337#
Transfer to Polaris Account/Others 833AMOUNT*ACCOUNTNUMBER#
Updating BVN 8335#

Stanbic IBTC Bank

Top-up Airtime for Others 909Amount*phone number#
Airtime Top-Up for Yourself 909Amount#
Check Account Balance 9091*1#
Transfer to Other banks 90922AmountAccount Number#
Transfer to Stanbic Account 90911AmountAccount Number#

Sterling

Top-up Airtime for Others 822Amount*Phone Number#
Airtime Top-Up for Yourself 822Amount#
Check Account Number 8228#
Check Account Balance 8226#
Register for USSD Service 8221NUBAN#
Transfer to Other banks 8225AmountAccount Number#
Transfer to Sterling Acc. 8224AmountAccount Number#

UBA

Top-up Airtime for Others 919 Phone number* Amount#
Airtime Top-Up for Yourself 919Amount#
ATM cardless withdrawal 91930*Amount#
Check Account Balance 91900#
Load UBA Prepaid Card 91932#
Bills Payment 9195#
Transfer to Other banks 9194account numberamount#
Transfer to UBA Account 9193account numberamount#

Union

Top-up Airtime for Others 826amount*recipient’s mobile no#
Airtime Top-Up for Yourself 826amount#
Check Account Balance *826#
Create PIN 8265#
Register *826#
Transfer to Other banks 8262amountaccount no#
Transfer to Union Account 8261amountaccount no#

Unity

Balance inquiry 77990#
Bet9ja Wallet funding 7799403Bet9ja IDamount#
Block account 77999*phone number#
BVN verification 77995#
Cardless withdrawal 77998*Amount#
Yourself recharge 7799Amount#
Third-party Airtime Recharge 7799Phoneno*amount#
Transfer to Other banks 77992accountnoamount#
Transfer to Unitybank 77991accountnoamount#
USSD on POS 7799000*RefID#

Wema

Top-up Airtime for Others 945phone Number*Amount#
Airtime Top-Up for Yourself 945Amount#
Check Account Balance 9450#
Transfer to Other banks 945Account Number*Amount#
Transfer to Wema Account 945Account Number*Amount#

Zenith

Airtime Top-Up for Yourself/Others *966*Amount*Mobile Number#
Block ATM Card 96660#
Check Account Balance 96600#
Account Deactivation 966911#
Deactivate Mobile Banking Profile 96620*0#
Opening Account 9660#
Other Yourself Service 96660#
Bills Payment (DSTv/PHCN) 9667AmountCustomer ID#
Pay Zenith Billers 9666Biller codeAmount#
Reset USSD Password/PIN 96660#
Transfer to Zenith Account/Other Banks 966Amount*Account Number#
Updating BVN 966BVN#

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