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#