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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.
Table of Contents
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.
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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# |
