How To Transfer Money From Your Account To Another,Using Your Mobile Phone In Nigeria

How-to transfer-money-from-your-account-using-your-mobile-phone

This article contains All the USSD Codes for money transfer
between Nigerian Banks,it is also known as mobile money transfer.

Many years ago,making bank transactions was a tedious task,customers had to queue up for hours waiting for their own turn. 

The process of transferring money from your account to another account became extremely stressful and time consuming in Nigeria.

Most banks in Nigeria had to find a quick secure solution in other to reduce the long queue and heavy loads on their servers.

The first advancement was the implementation of mobile top ups,that is recharging or topping up your call balance straight from your mobile phone.
Now they have introduced transferring of money from your bank account to another account using your mobile phone by just dialing a short code.

You can easily transfer money to another person's account comfortably from the comfort of your living room without having to endure the long hours and queues at banking halls.

All you need is a mobile phone and the mobile number of the account you used to open the account.

Right now almost all the Banks in Nigeria offer this service,only a few don't offer presently.

Mobile Money Transfer- USSD Codes For Money Transfer Between Nigerian Banks

Updated: important online ussd codes for transactions in Nigerian banks,online and offline.

Listed below are banks and their codes to transfer money to another account plus other important transactions.

Scroll down find your own bank (All Banks Included)


You can transfer to another GTB bank account or to another bank's account.
How to Transfer Money From my GTBank Account to another Bank Account?
  • Simply  dial *737*2*Amount of Money you want to transfer*The NUBAN Account Number of the Beneficiary#. 
  • NUBAN Account Number is the account number of the beneficiary.
  • Make sure your using your mobile number registered with your bank.
  • select recipient’s bank (FBN, Access, Zenith, UBA & DBN etc)
  • Enter last four digits of your GTBank Naira MasterCard to authenticate the transaction.
Wait for the transaction to be completed and you will receive a debit alert once the transfer is successful.

The account name of the recipient will be displayed for you in other to avoid mistake and to authenticate the transfer. This is to let you verify that you are actually sending the money to the right person and not to a wrong account. 

What is the daily limit of transactions I can make with my GTB Bank account?

You can transfer from N1,000 to a maximum of N20,000 daily.

To send to a GTB bank account customer

  • Dial *737*1*Amount*NUBAN Account No# Example: *737*1*5000*1234567890#.


For those that bank with Wema bank,the code *945# offers convenient banking at your finger tips.


Quick Bank transaction codes for Wema bank customers?
  • Buy Airtime *945*phone Number*amount#
  • Send Money *945*beneficiaryaccountnumber*amount#
  • Balance Enquiry *945*0#
  • Change PIN *945*00#
  • Get  your Account Number *945*000#
  • Open Account *945*1#
  • Change account number *945*2*oldaccountnumber*newaccountnumber#
  • Account Reactivation*945*5#
  • To check your account balance on any of your accounts, all you need to do is simply 
  • Dial *966*00# on your mobile phone and follow the on-screen notification.
To Buy Airtime For Yourself And Your Friends

To buy airtime for yourself or for your friends and family you dial 
  • *966*Amount*Mobile Number# (e.g. *966*1000*0803456789#) to buy airtime.


    For customers of FCMB you need to dial 

    • *389*214# 
    After dialing an FCMB welcome message will appear with these options.
    • Activate with card
    • Activate with Account
    • Activate with Mwallet

    You are required to select option 2 by typing 2 and pressing send,after that a message will appear telling you to add your account number to the service.

    You will then receive a congratulatory message telling you that you have successfully synchronized.For you to perform any transaction you will have to generate your PIN which will be sent to your phone,to do that you need to call the contact centre on 01-2798800 or you visit any FCMB branch.

    For security purposes it is required for you to change your PIN to do that you dial 

    • *389*214# 
    Select security,under security you will select change PIN then you put in your default PIN given to you after that you enter your new four digits PIN when prompted.

    After all these steps have been completed you can start using and enjoying FCMB Mobile service.

    For subsequent access to FCMB Mobile service 

    • Dial *389*214# 


    For ECOBANK customers you have nothing to worry about because with the ECOBANK USSD code you can also perform basic transaction like:

    1. Make instant transfers
    2. Check balances
    3. Pay bills
    4. Read mini-statements
    5. Buy airtime
    To get started 

    • Dial*326#.(FOR NIGERIA)
    If you are outside Nigeria,countries like Kenya,Tanzania and Uganda you can also dial your country USSD code to perform any transaction.

    These are the country codes:

    • Kenya-*335#
    • Tanzania-*150*18#
    • Uganda-*235#


    For those banking with Unity Bank you can perform your normal banking transaction like transferring money to other banks.
    • Send Money to phone/email *945*6*amount#
    • Receive/ redeem money*945*7*confirmationnumber*amount#
    • Cash-on-the-Go *945*8*amount#
    • Remita Payment*945*9*RRR#
    • Card Control *945*11*last four digits of card pan number#
    • Pay-with-Mobile *945*12*amount#
    • Receive Western Union *945*14*MTCN*amount#
    • Generate OTP *945*15#


    Its always convenient to be able to transfer money,pay bills, withdraw money or make purchases without going to the bank.

    What are the basic first bank codes for online /offline transactions?

    Your *894# Quick codes Transfer Money (To any bank in Nigeria)

    1. *894*Amount*Account Number# eg *894*50000*1234567890#
    2. Airtime Recharge –*894*Amount#Example *894*500#,to recharge N500 airtime on your mobile number registered with FirstBank.
    3. Airtime Recharge –for others*894*Amount*Phone Number# Example *894*500*080XXXXX123#. To recharge N500 airtime for phone number 080XXXXX123.
    4. Balance Enquiry *894*00#


    Fidelity Bank is one of the most flexible banks out there,they have made some adjustments for their customers.

    How to transfer money from an account to another account (same fidelity bank)
    From your phone, 

    • Dial *770*5050123456*10000# to transfer ₦10,000. Follow the on-screen prompts and complete your transfer with your PIN or password.or Password when (*770#) for instant banking.
    How to transfer money from fidelity bank to another bank account?
    • Dial *770*Account number*Amount#.E.g *770*0987654321*1000# 
    What are the new codes and adjustment made by fidelity bank?

    • Single transaction has been increased from N20,000 to N200,000.
    • You can now purchase airtime up to N20,000.
    • Transactions less than N200,000 does not need token.
    • No need for internet connection, all you need is to have credit call card on your mobile phone
    • Patiently follow the on-screen prompts and complete your transfer with your PIN or password.
    How do i get money from fidelity bank ATM machine without my debit card,i forgot my ATM card at home?

    Get cash with Dial4Cash by dialing.

    • *770*8*Amount# For example, from your phone, dial *770*8*10000# for a ₦10,000.
    • Follow the on-screen prompts.
    • Create a one-time PIN (OTP)
    • Then enter your PIN to get a Paycode directly from your Fidelity account to withdraw cash.
    •  Enter your Paycode, OTP, PIN, Amount and Phone at the ATM to get your cash.
    No more need for your Atm card.


    You can also easily transfer money from your account to another persons account with your mobile phone and the phone number that you opened your account with.

    How to transfer money from diamond bank to another bank?

    • Bank to Bank Transfers  *710*777*ACCOUNT NO*AMOUNT*PIN#
    • Balance Enquiry *710*556*PIN#
    • Airtime Purchase *710*555*PHONE NO*AMOUNT*PIN#
    How to transfer between two diamond accounts?

    Diamond Y’ello to Diamond Y’ello Transfers 

    • *710*710*PHONE NO*AMOUNT*PIN#


    If you are using Zenith bank and you want to transfer money,simply dial 

    • *966*Amount*Account Number# (e.g. *966*1000*1234567890#) from the phone number you registered with Zenith Bank, then follow the on-screen prompts.

    In order for you to be able to use this service or any other services,you first have to register for the USSD banking service.


    1. Simply dial *966*00# with your AlertZ number.
    2. You will be prompted to enter the last 4 digits of your Debit (ATM) card number.
    3. The next page will display your Account Name and you will be prompted to create a 4 digit PIN.
    4. Confirm the 4 digit PIN.
    5. If successful, you will get a message “ Retrieving your balance.
    6. You will receive an SMS with the balances on all your accounts.
    You can also perform other transactions like,opening an account,checking account balance and buying of airtime.

    To Open A Zenith Bank Account 

    • Dial *966*0# 
    • Follow the onscreen notification. 
    • An account number will be created automatically and sent to you via SMS. Account opening forms are not required for this process. Once you sign up, look out for your ten-digit account number (NUBAN).

    To get started 

    • Dial *389*215#


    Skye Bank USSD mobile banking gives you secure and fast way to transfer funds to Skye bank accounts and to other bank accounts.

    Skye Bank USSD mobile banking allows you to make bill payments, check account balance, transfer funds etc.

    To get started 

    • Dial *833#


    For those banking with Access bank you can use the USSD banking code for different functions,you can buy airtime,check your balance, open an account,transfer funds,pay bills and also pay marchents.

    Opening An Account

    Opening an account with the USSD code is kind of convenient ,you can open the account without going the bank to fill any form because it can be done straight from you mobile phone.The fascinating thing about these is that no minimum opening balance is required.

    To Open The Account 

    • Dial *901*0#
    Follow the text prompt,there are two ways you can do it you can either open an account by using

    your BVN number or by providing your personal details as prompted.

    After providing your details you will receive an SMS with details of your new account number.

    Buying Of Airtime

    • You can also buy airtime using the USSD code,the service is available to all network subscribers (Glo, MTN, Airtel and Etisalat).
    Remember that airtime transaction code can only work on phone number connected to your Access Bank Account.

    To Transfer Money

    Transferring of money with the code is as simple as riding a bike,it saves you stress of going to the bank,it is fast, convenient and secure.

    To Transfer To An Access Bank 

    • Dial *901*1*AMOUNT*NUBAN Account Number #
     e.g: *901*1*1000*1234567890# from your phone number, then authenticate with the last four digits of your BVN.

    To Transfer To Other Banks 

    • Dial *901*2*AMOUNT*NUBAN Account Number #
     e.g *901*2*1000*1234567890# from your phone. Then authenticate with the last four digits of your BVN.

    To Pay Bills Or Marchants

    Paying all of your bills is now very easy it can be done anywhere you are.To pay you simply dial

    • *901*3#
    Follow the text prompts that show up.

    For those using ''PAYWITHCAPTURE'' you can also pay your bills at the store using the USSD code simply ask for the Merchant’s code and insert in the USSD to make payments.

    To pay you dial

    • *901*3*AMOUNT*MERCHANT ID# .
    To generate OTP for 'paywithcapture' transaction
    •  Dial *901*4*1#.

    To Check Your Account Balance

    To check your account balance you dial

    •  *901*5# 
    on your access bank registered phone number then you provide the last four digits of your BVN.


    If you are using UBA and you want to transfer money simply dial

    •  *919# 
    From your registered phone number to get started.


    The most important thing you need to perform your transactions is your mobile number and it has to be the number you have registered with your Heritage Bank account. You don’t need to register for the service, you don’t need any app! Just dial the short code 

    • *322*030*
    To recharge your line, recharge another person’s line, transfer funds or pay bills etc.


    You can recharge or perform any other service from the comfort of your home, your office etc.
    It is available 24 Hours a day, 7 days a week.
    To get started below are the ways at which you can transfer money.

    • Self-Recharge Your Mobile Phone: *322*030*AMOUNT#
    • Third Party Recharge: *322*030*PHONE NUMBER*AMOUNT#
    • Transfer: *322*030*ACCOUNT NUMBER*AMOUNT#
    • Bill Payment: *322*030*BILLER ID *AMOUNT#
    • For example, to pay for LCC 
    • Dial *322*030*1066*AMOUNT#.
    Key billers and their id’s below

    • Swift 4G Subscription (Swift 4G):1033
    • GoTV:1088
    • DSTV:1099
    • DSTV Box Office :1098
    • Startimes :1077
    • LCC toll payments:1066


    You can use the USSD mode with all phone types by dialing

    •  *322*082# (MTN, AIRTEL & ETISALAT) 

    • *805*082# (GLO only) 
    Follow the steps below to opt-in (register):

    • Select the Keystone Bank
    • Enter NUBAN Account Number
    • Enter any 4 digit number you can remember as the m-Pin
    • Confirm m-Pin

    Customers will need to visit any Keystone Bank branch for full/transfer access.