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Do you want to make payments for SMS units without the worry of a long banking hall queue, slow internet connection and the security of your mobile app? What you need is the USSD mobile transfer option.

Unstructured Supplementary Service Data (USSD), sometimes referred to as "Quick Codes" or "Feature codes", is a communications protocol used by GSM cellular telephones to communicate with the mobile network operator's computers. USSD can be used for WAP browsing, prepaid callback service, mobile-money services, location-based content services, menu-based information services, and as part of configuring the phone on the network. (Wikipedia)

This protocol works on any type and brand of mobile phone, thereby making it an easy and convenient way of moving funds from one bank account to another. You only have to dial a short code peculiar to your bank to complete a transaction.

We have compiled a list of transfer codes for the major banks in Nigeria for your reference whenever you want to use this payment option. The list is being updated as more and more banks roll out their USSD mobile transfer service.

 

Access Bank: *901#

*901*1*amount*beneficiary account number# (to Access Bank)

*901*2*amount*beneficiary account number# (to other banks)

*901*amount# (recharge self)

*901*amount*mobile number# (recharge others)

 

EcoBank: *326#

Dial *326# and follow the on-screen prompts

 

Fidelity Bank: *770#

*770*beneficiary account number*amount# (transfer)

*770*amount# (recharge self)

*770*mobile number*amount# (recharge others)

 

First Bank: *894#

*894*00# (check balance)

*894*amount*beneficiary account number# (transfer)

*894*amount# (recharge self)

*894*amount*mobile number# (recharge others)

 

First City Monument Bank (FCMB): *329#

*329*amount*beneficiary account number# transfer)

*329*amount# (recharge self)

*329*amount*mobile number# (recharge others)

 

Guaranty Trust Bank (GTB): *737#

*737*1*amount*beneficiary account number# (to GTBank)

*737*2*amount*beneficiary account number# (to other banks)

*737*amount# (recharge self)

*737*amount*mobile number# (recharge others)

 

Heritage Bank: *322*030#

*322*030*beneficiary account number*amount# (transfer)

 

Jaiz Bank: *389*301#

Dial *389*301# and follow the on-screen prompts

 

Keystone Bank: *322*082#

Dial *322*082# and follow the on-screen prompts

 

Polaris Bank: *833#

Dial *833# and follow the on-screen prompts

 

StanbicIBTC: *909#

Dial *909# and follow the on-screen prompts

 

Sterling Bank: *822#

*822*4*amount*beneficiary account number# (to Sterling Bank)

*822*5*amount*beneficiary account number# (to other banks)

 

United Bank for Africa (UBA): *919#

*919*00# (check balance)

*919*3*beneficiary account number*amount# (to UBA)

*919*4*beneficiary account number*amount# (to other banks)

*919*amount# (recharge self)

*919*mobile number*amount# (recharge others)

 

Union Bank: *826#

*826*1*beneficiary account number# (to Union Bank)

*826*2*beneficiary account number# (to other banks)

*826*amount# (recharge self)

*826*amount*mobile number# (recharge others)

 

Unity Bank: *7799#

*7799*amount*beneficiary account number# (to GTBank)

*7799*amount*beneficiary account number# (to other banks)

 

Wema Bank: *945#

*945*0# (check balance)

*945*beneficiary account number*amount# (transfer)

*945*amount# (recharge self)

*945*mobile number*amount# (recharge others)

 

Zenith Bank: *966#

*966*00# (check balance)

*966*amount* beneficiary account number# (transfer)

*966*amount# (recharge self)

*966*amount*mobile number# (recharge others)

 

Please note that USSD daily transfer limit is capped at N100,000 for all banks with varying number of daily transfers allowed per bank.

The list is being updated as more and more banks roll out their USSD mobile transfer service.

 

* Image credit: www.researchgate.net

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The growing number of mobile phone users in Nigeria has greatly expanded the country's GSM and CDMA phone number prefixes. As Nigeria's mobile telecommunication operators expand their subscriber bases through acquisition of more number series, many Nigerians find it difficult to identify mobile operators by their phone numbers.

We have compiled a list to help you identify these telecom operators by their phone numbers.

 

9 Mobile

  • 0809
  • 0817
  • 0818
  • 0909
  • 0908

Airtel

  • 0701
  • 0708
  • 0802
  • 0808
  • 0812
  • 0901
  • 0902
  • 0904
  • 0907

 

Globacom

  • 0705
  • 0805
  • 0807
  • 0811
  • 0815
  • 0905
  • 0915

 

MTN

  • 0703
  • 0706
  • 0803
  • 0806
  • 0810
  • 0813
  • 0814
  • 0816
  • 0903
  • 0906
  • 07025 (Formally Visafone)
  • 07026 (Formally Visafone)
  • 0704 (Formally Visafone)

 

Multi-Links

  • 07027
  • 0709

 

Ntel

  • 0804

 

Smile

  • 0702

 

Starcomms

  • 07028
  • 07029
  • 0819

 

ZoomMobile (formerly Reltel)

  • 0707

 

Please note that Nigeria implemented mobile number portability in 2013, so the number prefixes above may not be reliably used to determine operator in some cases.