Every USSD Code You Need in Nigeria: The Complete 2026 Cheat Sheet (All Banks, All Networks)
One page, every USSD code you will ever need in Nigeria. Bank transfers, airtime purchases, balance checks, BVN retrieval, NIN linking, bill payments, data subscriptions — all in one bookmark-worthy reference. Save this page.
Save This Page. You Will Need It at 2 AM.
The internet is down. Your bank app won't load. Your power is out and your phone is on 11% battery. But you need to send money, buy airtime, or check your balance right now.
This is the page you open. Every USSD code that matters in Nigeria, organised by category, tested in 2026. Bookmark it. Screenshot it. Save it as a contact in your phone. Whatever works. You will need it.
Bank Transfer Codes
Transfer to Same Bank
| Bank | Code |
|---|---|
| GTBank | 7371AmountAccountNumber# |
| Access Bank | 9011AmountAccountNumber# |
| First Bank | 894Amount*AccountNumber# |
| Zenith Bank | 966Amount*AccountNumber# |
| UBA | 9194# (follow prompts) |
| Stanbic IBTC | 90911AmountAccountNumber# |
| Sterling Bank | 8225AmountAccountNumber# |
| Fidelity Bank | 770AccountNumber*Amount# |
| Polaris Bank | 833Amount*AccountNumber# |
| Wema / ALAT | 945AccountNumber*Amount# |
| Heritage Bank | 322030AccountNumberAmount# |
| Keystone Bank | 533Amount*AccountNumber# |
| Jaiz Bank | 389Amount*AccountNumber# |
Transfer to Other Banks
| Bank | Code |
|---|---|
| GTBank | 7372AmountAccountNumber# |
| Access Bank | 9012AmountAccountNumber# |
| First Bank | 894Amount*AccountNumber# (same code, select "Other Banks") |
| Zenith Bank | 966Amount*AccountNumber# (select "Other Banks" in menu) |
| UBA | 9194# → select "Other Banks" |
| Stanbic IBTC | 90922AmountAccountNumber# |
| Fidelity Bank | 770AccountNumber*Amount# (select "Other Banks") |
Balance Check Codes
| Bank | Code |
|---|---|
| GTBank | 7375# |
| Access Bank | 9015# |
| First Bank | 89400# |
| Zenith Bank | 96600# |
| UBA | 91900# |
| Stanbic IBTC | 90900# |
| Fidelity Bank | 7700# |
| Polaris Bank | 8330# |
| Sterling Bank | 8226# |
Block Account / Card (Emergency)
Use these if your phone or card is stolen. Do it before calling customer service.
| Bank | Code |
|---|---|
| GTBank | 73751*AccountNumber# |
| Access Bank | 901911# |
| UBA | 91910# |
| Zenith Bank | Call 0700-CALL-ZENITH only |
| First Bank | 894911# |
Airtime Purchase Codes (For Your Own Number)
| Network | Code | Example |
|---|---|---|
| MTN | 311PIN# | 311PIN# buys airtime (standardized) |
| Airtel | 311PIN# | 311PIN# buys airtime (standardized) |
| Glo | 311PIN# | 311PIN# buys airtime (standardized) |
| 9mobile | 311PIN# | 311PIN# buys airtime (standardized) |
Airtime Transfer (To Another Number on Same Network)
| Network | Code |
|---|---|
| MTN (Share & Sell) | 321RecipientNumberAmountPIN# (or *321#) |
| Airtel (Me2U) | *321# (standardized) |
| Glo (Easy Share) | *321# (standardized) |
| 9mobile | *321# (standardized) |
Data Subscription Codes
| Network | Code | What It Does |
|---|---|---|
| MTN | *312# | Opens data plan menu (standardized) |
| MTN | 3121# | Quick subscribe to daily plans |
| Airtel | *312# | Opens data plan menu (standardized) |
| Glo | *323# | Check data balance (standardized) |
| Glo | *312# | Opens data plan menu (standardized) |
| 9mobile | *312# | Opens data plan menu (standardized) |
Check Data Balance
| Network | Code |
|---|---|
| MTN | *323# |
| Airtel | *323# |
| Glo | *323# |
| 9mobile | *323# |
NIN and BVN Codes
| Action | Code | Notes |
|---|---|---|
| Check your NIN | *346# | Works on any network, shows your NIN |
| Retrieve BVN | 5650# | Works on any network |
| Link NIN to SIM (MTN) | *996# | Follow prompts |
| Link NIN to SIM (Airtel) | 1211# | Follow prompts |
| Link NIN to SIM (Glo) | *109# | Follow prompts |
| Link NIN to SIM (9mobile) | 2008# | Follow prompts |
Miscellaneous Useful Codes
| Action | Code | Network |
|---|---|---|
| Check your own phone number (MTN) | *663# | MTN |
| Check your own phone number (Airtel) | 1214# | Airtel |
| Check your own phone number (Glo) | 1358# | Glo |
| Check your own phone number (9mobile) | *248# | 9mobile |
| Deactivate caller tune (MTN) | *510# | MTN |
| Deactivate caller tune (Airtel) | 7930# | Airtel |
| Stop promotional SMS (all networks) | Send "STOP" to 2442 | NCC DND service |
| Report spam calls/SMS to NCC | Call 622 (toll-free) | Any network |
USSD Fees and Limits
Every USSD session costs a network fee — currently ₦6.98 per session on most networks (this is deducted from your airtime balance, not your data). This fee applies even if the transaction fails or times out, which is one of the more annoying aspects of USSD banking in Nigeria.
Daily USSD transfer limits vary by bank and account tier:
When USSD Fails (And It Will)
USSD codes fail for several reasons:
When USSD fails, the fastest alternative for buying airtime, data, or paying bills is a guest checkout via vtyield.com — no login, no app, just a browser and a bank transfer.
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