The advent of mobile banking in the banking world without a molecule of doubt, has saved multitudes the rigors therein the banking hall (and still saving) ; with particular reference to queuing before you deposit a token or some other petty transactions and coupled with the fact that banks don't operate  24hours a day and 7times a week(24/7), the best they do is close by at most 4:00pm.

In essence, for transfer of fund(and other mobile transactions) , mobile banking system is the most flexible and ranks above Automated Teller Machines(ATMs) (notwithstanding the fact that ATMs operate 24/7) because it gives you quick access to your bank account at the comfort of your home.

And thus, mobile banking is the best and (also) a fast medium to transfer funds, airtime recharge, cable recharge, check balance e.t.c

Here are the USSD transfer codes of each and every bank.

We chose USSD over mobile app(of these banks) in this tutorial because it's more flexible and requires no data usage or airtime  and accessible on all mobile phones. All you have to do is just dial the codes.

NOTE: This transaction can only be carried out on the line with which you registered with your bank.

1. Guaranty Trust Bank(GTB)

For GTB transfer simply dial *737#

2. Skyebank

3. United Bank for Africa(UBA)


4. Zenith bank

5. First bank


6. Union bank



8. Access bank


9. Diamond bank


10. Sterling bank


11. Stanbic IBTC


12. Fidelity bank


. First City Monument Bank(FCMB)


14. Heritage bank


15. Wema bank


16. Unity bank


17. Keystone


As at the time of the publication of this post, Mainstreet bank, Jaiz and Standard chattered bank didn't have a USSD code. Mobile apps or other flexible means may be employed for an on the go transaction.

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