Bank Transfer Codes in Nigeria

There was a time when we had no choice than to visit the bank if we wanted to send money to anyone via the bank.

Nowadays, with the different options available, we can even transfer millions of Naira from the comfort of our bedrooms.

Unstructured Supplementary Service Data (USSD) code is one of the available options to seamlessly transfer funds from one bank account to another. This option comes with a lot of flexibility and benefits.

All commercial banks in Nigeria offer this service. But the transfer code differs from one bank to another. Also, the charge rate isn’t the same for all banks.

Generally, most banks offer free of charge transfer of fund when you transfer to another account within the bank. But they charge a token for transfer to accounts outside the bank.

 

Transfer Codes for All Banks in Nigeria

These are the transfer codes of all licensed commercial banks in Nigeria along with a brief overview of each of the banks.

 

1 Access Bank

This is one of the best and largest banks in Nigeria. The bank has continued to expand over the years. Some of their notable events include the acquisition of Intercontinental Bank and Diamond Bank.

• Transfer from Access Bank to Access Bank: Dial *901*1*Amount*Account Number#
• Transfer from Access Bank to other banks: Dial *901*2*Amount*Account Number#

 

2 Ecobank

Ecobank is one of the oldest commercial banks in Nigeria. It was licensed by the Central Bank of Nigeria and has been in operation since 1989. They have over 600 branches in Nigeria and are present in every state just like other licensed banks.

• Transfer from Ecobank to Ecobank or any other Bank: Dial *326#

 

3 Fidelity Bank

Fidelity Bank has been witnessing different phases of growth since it was established. They started as a merchant bank in 1988 and became a commercial bank in 1999. They later merged with FSB International Bank and Manny Bank to become what they are today. The bank has a customer base of over 4.2 million customers.

• Transfer from Fidelity Bank to Fidelity Bank or any other bank: Dial *770#

 

Check Out: All Banks Airtime Recharge Code

 

4 First Bank of Nigeria

Just as the name indicates, this is the premier commercial bank in Nigeria. They claim to be the most valuable banking brand in the country with over 10 million customers and 750 business offices.

• Transfer from First Bank to First Bank or other banks: Dial *894*Amount*Account Number#

 

5 First City Monument Bank (FCMB)

This bank is a subsidiary of the FCMB Group, which has other active and successful subsidiaries. FCMB has a long history dated as far back as 1977 when it was established as City Securities Limited.

• Transfer from FCMB to FCMB or other banks: Dial *329*Amount*Account Number*

 

6 Guaranty Trust Bank (GTB)

GTB is a new generation bank that is synonymous to innovation. This bank is known to be one of the pioneer users of any new technology introduced to the banking industry. GTB was founded in 1990 and has business offices in several countries across West Africa, East Africa, and Europe.

• Transfer from GTB to GTB or other banks: Dial *737#

 

7 Heritage Bank

This is one of the less popular banks with a modest customer base. They have been around for a while but don’t have as many branches as some top guns like the First Bank of Nigeria.

• Transfer from Heritage Bank to Heritage Bank or other banks: Dial *322*030*Account Number*Amount#

 

8 Keystone Bank

Keystone Bank has a long history in the Nigerian banking sector. They started out as Habib bank Nigeria in 1981 but merged with Platinum Bank to be popularly known as Platinum Habib Bank (Bank PHB). Somewhere down the line, the bank changed to the Keystone Bank we know today.

• Transfer from Keystone Bank to Keystone Bank or any other bank: Dial *7111*Amount*Account Number#

 

9 Polaris (Skye) Bank

This bank acquired the defunct Skye Bank. They started operating in Nigeria in 2018 after being licensed by the Central Bank of Nigeria as a commercial bank. So far, the bank has over 350 branches across the country.

• Transfer from Polaris Bank to Polaris Bank or any other bank: Dial *833*3#

 

Check Out: Nigerian Banks Airtime USSD Codes

 

10 Stanbic IBTC Bank

Stanbic IBTC Bank is one of the reputable banks in Nigeria that has grown to be known as the pensioner’s bank. They offer some services that most commercial banks in Nigeria don’t. They, however, don’t have so many branches compared with the other banks; just around 180 branches all over the country.

• Transfer from Stanbic IBTC to Stanbic IBTC or other banks: Dial *909#

 

11 Standard Chartered Bank

This is an international bank operating in Nigeria. It is a subsidiary of the Standard Chartered Bank in the United Kingdom. The Standard Chartered Bank of today started operation in 1999 but that isn’t when it was first established in the country; it has a history dated as far back as 1971.

• Transfer from Standard Chartered Bank to Standard Chartered Bank or other banks: Dial *822#

 

12 Sterling Bank

Sterling Bank has been around for over 50 years and was previously known as NAL Bank. They became a commercial bank and merged with some other banks including Magnum Trust Bank, Trust Bank of Africa, Indo Nigeria Merchant Bank, and NBM Bank.

• Transfer from Sterling Bank to Sterling Bank or other banks: Dial *822*Amount*Account Number#

 

Check Out: All Banks Airtime Recharge Code

 

13 Union Bank

Union Bank of Nigeria is one of the oldest banks in Nigeria with a rich history dated back as far as 1917. It started operation as Colonial Bank but witnessed several names changing down the line. It was eventually renamed Union Bank of Nigeria in 1990.

• Transfer from Union Bank to Union Bank: Dial *826*1*amount*account no#
• Transfer from Union Bank to other banks: Dial *826*2*amount*account no#

 

14 United Bank for Africa (UBA)

UBA started operation in Nigeria as the British and French Bank Limited (BFB) in 1948. The name was later changed to UBA in 1961 just after the independence. The bank merged with Standard Trust Bank in 1990 to become the current UBA.

• Transfer from UBA to UBA: Dial *919*3*account number*amount#
• Transfer from UBA to other banks: Dial *919*4*account number*amount#

 

15 Unity Bank

Unity Bank is one of the newer banks with a fast growth rate. The bank was established in 2006 after 9 banks were merged together. Since then, they have been serving Nigerians with over 200 branches across the country.

• Transfer from Unity Bank to Unity Bank: Dial *7799*1*Account No*Amount#
• Transfer from Unity Bank to any other bank: Dial *7799*2*Account No*Amount#

 

16 Wema Bank

Wema Bank is one of the (if not the) oldest indigenous banks in Nigeria. It was established in 1945 and operated under the name Agbonmagbe Bank Limited. The name was eventually changed to Wema Bank. The bank has undergone a series of restructuring and repositioning over the years.

• Transfer from Wema Bank to Wema bank or other banks: Dial *945*beneficiary account number*amount#

 

17 Zenith Bank

Zenith Bank is a leading commercial bank in Nigeria. They have several branches in the 36 states of Nigeria plus some other African countries. This is one of the banks that quickly respond to technology innovations in the banking sector.

• Transfer from Zenith Bank to Zenith Bank: Dial *966*Amount*Account Number#

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