Banking system in Nigeria has become much easier with new invents and information technology though there are several disadvantages incurred by this development. These disadvantages include rise in fraud and other risks.
I will be sharing an important part of mobile banking using USSD
codes provided the mobile line is used in receiving alerts or other messages
from the said Bank. These codes can be used to bank check account balance,
transfer funds from one bank to another, generate OTP or Token, pay bills and
other related transactions.
This USSD code quite differs from Bank to Bank and also the
required information for transaction.
For First Bank of Nigeria (FBN)
894 is a quick, convenient, secure and easy way to perform your
banking transactions (transfer money, check balance, buy airtime, pay bills and
lots more) anytime and anywhere, using any type of phone without need for
internet connectivity or data.
Once you have a FirstBank account with a linked debit card, a
phone number profiled for SMS alert and a mobile phone, you are just one dial
away from enjoying the unbeatable 894 experience.
Simply dial *894*0# to get started!!
The short codes below offer instant access to each service stated.
Customers can also dial *894# and get access to Quick Banking services in a
menu-based layout without having to dial the codes. When dialed, two options
are displayed for the customer to choose from:
Quick Banking- Follow prompts to access the listed services for
FirstBank account holders ONLY.
Firstmonie- For electronic wallet- based transactions. This
product is available to both account holders and non-account holders.
1
Transfer Money (To any bank
in Nigeria)
*894*Amount*Account Number#
e.g *894*50000*1234567890#. To transfer N50,000 to account number
1234567890 in any bank in Nigeria.
2
Airtime Recharge –for self
*894*Amount#
e.g *894*500#. To recharge N500 airtime on your mobile number
registered with FirstBank.
3
Airtime Recharge –for others
*894*Amount*Phone Number#
e.g *894*500*080XXXXX123#. To recharge N500 airtime for phone
number 080XXXXX123.
4
Balance Enquiry
*894*00#
To check the real time balances on all your FirstBank accounts.
5
Register/ Create PIN/ Reset PIN
*894*0#
To register as a new user, create or reset your 5-digit PIN.
6
Mini-statement
*894*AccountNumber#
e.g *894*1234567890#. To receive a summary transaction statement
of up to your last 5 transactions via SMS
For more information visit First Bank USSD Codes
For Access Bank
Open An Account With *901*0#
How To:
Dial *901*0# and follow the text prompts, you can either open an
account by using your BVN number or by providing your personal details as
prompted. Upon provision of the required details, you will receive an SMS with
details of your new account number.
Benefits
Open an account from anywhere without visiting the branch.
Service does not require filling of forms.
No minimum opening balance is required.
Airtime Purchase
How:
(Airtime TopUp for Self)
Just dial *901*Amount# (e.g: *901*1000#) on your phone, wait for
the success message and start making calls.
(Airtime TopUp for Friends and Family)
To buy airtime for friends, family members and other third party
individuals, simply dial *901*Amount*Phone Number#.
Features
Service is available to all network subscribers (Glo, MTN, Airtel
and Etisalat).
Airtime transaction code can only work on phone number connected
to your Access Bank Account.
Money is debited directly from your Access Account.
Benefits
Airtime can be purchased anytime, anywhere.
It is very easy to use.
Transfer Money With *901#
How:
(Transfer to an Access Bank account)
Simply dial *901*1*AMOUNT*NUBAN Account Number# (e.g:
*901*1*1000*1234512345#) from your phone number, then authenticate with the
last four digits of your BVN.
(Transfer to other banks)
Dial *901*2*AMOUNT*NUBAN Account Number# e.g
*901*2*1000*1234512345#) from your phone. Then authenticate with the last four
digits of your BVN.
Features
Authentication requires the last four digits of your BVN.
Money is debited directly from the Access Account connected to the
phone number used.
Benefits
It's fast, convenient, and secure.
Available 24/7.
It saves you the stress of queuing up in the banking halls.
Merchants/Bills Payment
Pay your bills with *901*3#
Now you can also pay your bills ... Simply dial *901*3# and follow
the text prompts that show up.
Benefits
It's fast, convenient and secure.
Available 24/7.
Pay all utility bills from the comfort of wherever you are.
Payments to PayWithCapture Merchants with *901*3*AMOUNT*MERCHANT
ID#
Making payments at stores just got easier. For merchants
registered on PayWithCapture, simply ask for the Merchant's code and insert in
the USSD to make payments.
I.e: *901*3*AMOUNT*MERCHANT ID#
Generate OneTimePasswords (OTP) for PayWithCapture Transactions
Simply dial *901*4*1# to generate OTPs for all PayWithCapture
transactions, and start transacting with ease.
Check Your Account Balance With *901*5#
How:
Simply Dial *901*5# on your Access Bank registered phone number,
you will be prompted to provide the last four digits of your BVN. Your account
balance is immediately generated after this has been provided.
Benefits
Check the status of your account any time, wherever you are.
Service is free of charge.
For more information visit Access Bank USSD Codes
Next, we will run through other Banks…
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