Nigerian Banks Airtime (USSD) Codes for Recharging Your Phone

October 6, 2024 Fouad

Nigerian banks have come a long way from where they began.

A decade ago, recharging your phone lines from your bank account was never a possibility any of us could dream of.

But today, you can transfer money, recharge your lines and those of your friends and family all from your mobile phones. The service is now so easy and common that we now even take it for granted.

Every bank in Nigeria, except microfinance banks, offers an Unstructured Supplementary Service Data (USSD) code that allows their customers to transfer money and recharge their mobile lines right from their phones.

The USSD service doesn’t require an active internet connection. Therefore, could be carried out on any mobile device.

The USSD service is not free, though. For airtime recharge, users will be charged N4 per transaction. This is automatically deducted from your phone line. Optionally, you can use your bank app if you want to recharge your line. This method is free but requires an active internet connection.

This post lists out the USSD recharge codes of all the banks in Nigeria (in alphabetical order) as well as a simple example of how to perform the transaction.

Ensure every recharge is done from a mobile number registered with your bank (the phone number must have been receiving credit/debit alert from your bank).

Access Bank

If you bank with Access Bank Nigeria, you can easily recharge your line by dialling *901*Amount#

That is *901*200# to recharge your line with N200

To recharge a friends line, dial *901*Amount*phone number#

That is, dial *901*200*08122866702# to recharge the number with N200.

Diamond Bank

Diamond Bank subscribers can easily purchase airtime from their bank account using the *302* USSD code.

To purchase airtime for yourself, dial *302*Amount#

For instance, to recharge your line with N300 dial *302*300#

To purchase airtime for a family member or friend, simply dial *710*555*Phone number*PIN#

This will automatically recharge the phone number with the stated amount.

Eco Bank

Eco bank customers can easily recharge their mobile lines by dialling *326*Amount#

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For instance, to recharge your phone with N200, simply dial *326*200#

To recharge another number, dial *326*Phone Number*Amount#

That is, *326*08136436488*200# to recharge the line with N200.

First Bank

To top your line from your First Bank account, dial *894*Amount#

For instance, to recharge your line with N200, simply dial *894*200#

To recharge a third-party line, dial *894*Amount*Phone Number#

That is, to recharge 090567364868 with N200, dial *894*200*090567364868#

Fidelity Bank

To recharge your line from your Fidelity bank account, simply dial *770*Amount#

That is, *770*200# to recharge your line with N200.

To recharge another line, dial *770*Phone Number*Amount#

For instance, to recharge 09056737457 with N300, dial *770*09056737457*300#

First City Monument Bank (FCMB)

FCMB customers can easily recharge their mobile line by dialling, *329*Amount#

For instance, to recharge your line with N200, Dial *3279*200#

To recharge a third-party line, simply dial *329*Amount*Phone Number#

For instance, to recharge 07055822849 with N200, dial *329*200*07055822849#

Guaranty Trust Bank (GT Bank)

GT Bank customers can easily purchase airtime from their bank account using the *737* USSD code.

To purchase airtime for yourself, dial *737*Amount#

For instance, to recharge your line with N300 dial *737*300#

To purchase airtime for a family member or friend, simply dial *737*Amount*Phone Number#

This will automatically recharge the phone number with the stated amount.

Heritage Bank

To purchase airtime from heritage bank for yourself, simply dial *322*030*Amount#

For instance, to purchase N300 airtime, dial *322*300#

To purchase airtime for others, dial *322*030*Phone Number*Amount#

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Keystone Bank

To top your line from your Keystone Bank account, dial *7111*Amount#

For instance, to recharge your line with N200, simply dial *7111*200#

To recharge a third-party line, dial *7111*Amount*Phone Number#

That is, to recharge 09085848999 with N400, dial *7111*400*09085848999#

Polaris Bank (Formerly Skye Bank)

Polaris Bank customers can easily purchase airtime from their bank account using the *833* USSD code.

To purchase airtime for yourself, dial *833*Amount#

For instance, to recharge your line with N300 dial *833*300#

To purchase airtime for a family member or friend, simply dial *833*Amount*Phone number#

This will automatically recharge the phone number with the stated amount

Stanbic IBTC

If you bank with Stanbic IBTC, you can easily recharge your line by dialling *909*Amount#

That is *909*500# to recharge your line with N500

To recharge a friends line, dial *909*Amount*phone number#

That is, dial *909*500*08122866702# to recharge the number with N500.

Sterling Bank

Sterling bank customers can easily recharge their line by dialling *822*Amount#

For instance, to recharge your line with N200 from your Sterling Bank account, simply dial *822*200#

To recharge other phone lines, dial *822*Amount*Phone Number#

For instance, to recharge 07055822849 with N300, dial *822*300*07055822849#

United Bank for Africa (UBA)

To recharge your line from your UBA bank account, simply dial *919*Amount#

That is, *919*200# to recharge your line with N200.

To recharge another line, dial *919*Phone Number*Amount#

For instance, to recharge 09056737457 with N300, dial *919*09056737457*300#

Union Bank

To recharge from your Union Bank account, simply dial *826*Amount#

For instance, to recharge your line with N400, simply dial *826*400#

To recharge a third-party line, dial *826*Amount*Phone Number#

That is, *826*300*07075673877# to recharge the line with N300.

Unity Bank

To top your line from your Unity Bank account, dial *7799*Amount#

For instance, to recharge your line with N200, simply dial *7799*200#

To recharge a third-party line, dial *7799*Phone Number*Amount#

That is, to recharge 09065746847 with N200, dial *894*09065746847*200#

Wema Bank

Wema Bank customers can easily purchase airtime from their bank account using the *945* USSD code.

To purchase airtime for yourself, dial *945*Amount#

For instance, to recharge your line with N300 dial *945*300#

To purchase airtime for a family member or friend, simply dial *945*Amount*Phone number#

This will automatically recharge the phone number with the stated amount.

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Zenith Bank

To purchase airtime for yourself from your Zenith Bank account, dial *966*Amount#

For instance, to recharge your line with N300 dial *966*300#.

To purchase airtime for a family member or friend, simply dial *966*Amount*Phone number#

This will automatically recharge the phone number with the stated amount.

You can also recharge your line from your Zenith bank account using *904*Amount#.

Before carrying out your first transaction, most banks will ask you to register your line for the USSD service.

Simply try any transaction with the bank codes given above and you’ll be guided on how to register (if registration is actually required). Also, banks have placed a limit on the amount of airtime you can purchase in a day. For most banks, the daily limit is N5000, while for some, it’s N3000.

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