Ecobank USSD Code for Airtime, Transfer, & Mobile Banking

The Ecobank USSD code has made it incredibly convenient for customers to do transactions without visiting a bank. 

Ecobank Nigeria has not fallen behind when it comes to new ideas. 

One such option is the Ecobank ussd transfer code which allows customers to pay bills, buy airtime, and transfer money from their Ecobank account.

The ussd code for ecobank is especially useful for people who live in places without access to the internet. 

It enables you to easily and safely transfer payments from your Ecobank account to another Ecobank or other Nigerian bank account.

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What is Ecobank ussd code?

*326# is Ecobank USSD code where customers have a lot of alternatives when it comes to utilizing or transferring money from their Ecobank account. 

When the code is entered, the user is taken to Ecobank’s transaction platform, where they can conveniently access the majority of the bank’s services without physically visiting the banking hall.

Ecobank has embraced technology to provide seamless and efficient banking services to its customers across Africa. 

This code, which allows customers to perform a variety of banking transactions directly from their mobile phones without needing internet access. 

The Ecobank USSD code is a short code that customers can dial on their mobile phones to access banking services. 

It is designed to offer a convenient, fast, and secure way to manage bank accounts. Whether you want to check your account balance, transfer funds, buy airtime, or pay bills, the Ecobank USSD code makes these tasks easy and accessible.

Features of Ecobank USSD Code

The Ecobank USSD code, *326#, offers a wide range of features that allow customers to manage their banking needs conveniently from their mobile phones without requiring internet access.

Here are some of the key features available through Ecobank’s USSD code:

1. Account Balance Inquiry:

• Check your account balance instantly.

2. Airtime Purchase:

• Buy airtime for yourself or others directly from your bank account.

3. Fund Transfers:

• Transfer money to Ecobank accounts or other banks within Nigeria.

4. Bill Payments:

• Pay utility bills, cable TV subscriptions, and other services.

5. Mini Statement:

• View recent transactions on your account.

6. Account Opening:

• Open a new account with Ecobank using your mobile phone.

7. Loan Services:

• Apply for loans and view your loan balance or status.

8. PIN Change:

• Change your USSD banking PIN for security reasons.

9.Card Services:

• Block your debit card if lost or stolen.

10 Merchant Payments:

• Pay merchants directly from your account using the USSD code.

11. Financial Services:

• Access services such as savings and investment products.

Comprehensive List of Ecobank USSD Codes

Options	USSD
Start	*326#
Transfer (To Access Bank)	*326*amount*10 digit account number#
Transfer (Other Banks)	*326*amount*10 digit account number#
Airtime (Self)	*326*Amount#
Airtime (Others)	*326*Amount*Phone Number#
Check Balance	*326*00#
BVN	*565*0#
LCC Toll Fees	*326*000*522+e-Tag Number+Amount#

How to Activate Ecobank USSD Code

To activate the Ecobank USSD code (*326#) and start using the mobile banking services, follow these steps:

Requirements

1. Registered Mobile Number: Ensure the phone number you are using is registered with your Ecobank account.
2. Debit Card: Have your Ecobank debit card details ready, as you may need them during the activation process.

Activation Steps

1. Dial the USSD Code: On your mobile phone, dial *326#.
2. Select the Activation Option:

• You will see a menu with several options. Choose the option for “Activate” or “Register”.

3. Enter Your Account Number:

• You will be prompted to enter your Ecobank account number. Enter it correctly.

4. Provide Debit Card Details:

• You may be asked to provide details from your Ecobank debit card, such as the last six digits of the card number.

5. Create a PIN:

• You will be prompted to create a 4-digit PIN. This PIN will be used for authenticating transactions on the USSD platform. Make sure to choose a secure PIN and remember it.

6. Confirm Your PIN:

• Re-enter the 4-digit PIN to confirm it.

7. Complete the Activation:

• Follow any additional prompts to complete the activation process. Once done, you should receive a confirmation message indicating that your USSD banking is activated.

How to Block Ecobank USSD Code

To block your Ecobank USSD code, typically used in situations where your phone is lost or stolen, you can follow these steps:

1. Dial the USSD Code:

• On your mobile phone, dial *326*911#. This is the emergency code to block the USSD service.

2. Follow the Prompts:

• You will be prompted to enter either your registered phone number or account number. Follow the instructions provided on your screen.

3. Confirm the Blocking:

• Confirm the request to block your USSD profile. This will disable the USSD service on your account to prevent unauthorized access.

4. Receive Confirmation:

• After completing the steps, you should receive a confirmation message indicating that your USSD profile has been successfully blocked.

How to Unblock Ecobank USSD Code

To unblock your Ecobank USSD code, you will typically need to contact Ecobank customer support for assistance. Here are the steps you can follow:

1. Contact Ecobank Customer Support:

• Call Ecobank customer support directly. You can find their contact number on the official Ecobank website or on your bank statements.
• Explain that you need to unblock your USSD code.
• Be prepared to verify your identity by providing personal information and possibly answering security questions.

2. Visit an Ecobank Branch:

• Alternatively, you can visit the nearest Ecobank branch.
• Speak with a customer service representative and inform them that you need assistance with unblocking your USSD code.
• Provide any necessary identification and account details to verify your identity.

3. Follow Instructions from Customer Support:

• Depending on the situation, customer support may guide you through specific steps to unblock your USSD code.
• They may provide a temporary code or procedure to regain access to USSD services.

4. Security Measures:

• Ecobank takes security seriously, so be prepared to follow its protocols to ensure the safety of your account and personal information.

Act promptly when you realize your USSD code is blocked to avoid any inconvenience in accessing your banking services.

How to Upgrade Ecobank Account using USSD Code

To upgrade your Ecobank account using USSD code, you will typically need to visit a branch or contact Ecobank customer support.

Upgrading an account often involves verifying your identity and providing additional documentation, which cannot always be completed through USSD alone due to security and regulatory requirements. Here’s what you can do:

Steps to Upgrade Your Ecobank Account:

1. Contact Customer Support:

• Call Ecobank customer support directly. You can find their contact number on the official Ecobank website or on your bank statements.
• Explain that you wish to upgrade your account and inquire about the specific requirements.

2. Visit an Ecobank Branch:

• Visit the nearest Ecobank branch.
• Speak with a customer service representative and inform them that you want to upgrade your account.
• You will likely need to provide identification documents such as a valid ID card, utility bill for proof of address, and possibly other documents as required by the bank.

3. Follow Instructions from Ecobank:

• Ecobank will guide you through the process of upgrading your account, which may include filling out forms and providing necessary documentation.

4. Verify Your Identity:

• Be prepared to verify your identity using the documents requested by Ecobank.

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How to Borrow Money from Ecobank with USSD Code

To borrow money from Ecobank using the USSD code, you can follow these general steps.

Please note that specific procedures may vary based on your location and the type of loan products offered by Ecobank.

1. Dial the USSD Code: On your mobile phone, dial *326#.
2. Select the Loans Option: From the menu options presented, select the option related to loans. This might be labeled as “Loans”.
3. Choose the Type of Loan: Ecobank offers various loan products such as salary advance, personal loans, or business loans. Select the type of loan you are interested in.
4. Provide Required Information: You will be prompted to provide details such as the loan amount you wish to borrow, the repayment period, and possibly some personal information for verification purposes.
5. Agree to Terms and Conditions: Review the terms and conditions associated with the loan. If you agree, proceed with the application.
6. Receive Loan Disbursement: If your loan application is approved, the loan amount will be disbursed into your Ecobank account.
7. Repay the Loan: After receiving the loan, ensure you understand the repayment schedule and make payments accordingly to avoid penalties.

How to Pay Back Ecobank Loan with USSD Code

To pay back an Ecobank loan using the USSD code, you can follow these steps:

1. Dial the USSD Code: On your mobile phone, dial *326#.
2. Select Loan Repayment Option: From the menu options presented, select the option loan repayment.
3. Choose the Loan Account: If you have multiple loans with Ecobank, select the specific loan account you want to repay.
4. Enter Repayment Amount: Enter the amount you wish to repay towards your loan.
5. Confirm Payment: Review the details you have entered and confirm the repayment amount.
6. Enter PIN: Enter your USSD banking PIN to authorize the loan repayment transaction.
7. Receive Confirmation: Once the payment is processed successfully, you should receive a confirmation message indicating that your loan repayment was successful.

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Purchasing Airtime Using Ecobank USSD Code

One of the most popular uses of the Ecobank USSD code is purchasing airtime. 

This service is particularly useful for those who need to top up their mobile phones quickly without visiting a physical store or using the internet. Here’s how to do it:

1. Dial the USSD Code: Dial *326#.
2. Select the Airtime Option: Follow the menu prompts to select the airtime purchase option.
3. Enter Amount: Input the amount of airtime you wish to purchase.
4. Confirm Transaction: Verify and confirm the transaction with your PIN.

Transferring Funds Using Ecobank USSD Code

Transferring money between accounts is another critical function of the Ecobank USSD code. 

Whether you’re sending money to another Ecobank account or to a different bank, the process is simple and quick.

Steps to Transfer Funds:

1. Dial the USSD Code: Dial *326#.
2. Select Transfer Option: Choose the fund transfer option from the menu.
3. Enter Recipient’s Details: Input the recipient’s account number and the amount you wish to transfer.
4. Select Bank: If you are transferring to another bank, select the recipient’s bank.
5. Confirm Transaction: Enter your PIN to confirm the transfer.

Checking Account Balance with Ecobank USSD Code

Knowing your account balance is essential for managing your finances effectively.

With the Ecobank USSD code, you can check your balance in seconds.

Steps to Check Balance:

1. Dial the USSD Code: Dial *326#.
2. Select Balance Inquiry: Choose the option to check your account balance from the menu.
3. Enter PIN: Confirm the request by entering your PIN.

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Advantages of Ecobank USSD Code

Using Ecobank’s USSD code (*326#) offers several advantages for customers who prefer quick and convenient banking services via their mobile phones:

1. Accessibility: USSD codes can be accessed from any type of mobile phone, even those without internet connectivity. This makes banking services accessible to a wider range of customers, including those in rural or remote areas.
2. Convenience: Customers can perform various banking transactions such as checking account balances, transferring funds, paying bills, and buying airtime, all from their mobile phones, without needing to visit a bank branch or ATM.
3. Time-Saving: Transactions via USSD are typically faster compared to traditional methods. This saves customers time and effort, especially for routine banking tasks.
4. 24/7 Availability: USSD services are available round the clock, allowing customers to bank at any time of the day or night, including weekends and holidays. This enables you to conveniently manage your banking needs directly from your mobile phone.

Security measures for Ecobank USSD Code

Security is a top priority for Ecobank. The design of the USSD service incorporates several layers of security to protect customers’ information and transactions.

1. PIN Protection: Every transaction requires a PIN, ensuring that only the account holder can authorize transactions.
2. Session Timeout: The USSD session will time out after a period of inactivity to prevent unauthorized access.
3. Encrypted Communication: All communications between your phone and the bank are encrypted for security.

Common Issues and solutions

While the Ecobank USSD service is generally reliable, you might occasionally encounter issues. Here are some common problems and their solutions:

1. Invalid Code:

• Ensure you are dialing the correct USSD code: *326#.
• Check if your mobile network is operational.

2. PIN Problems:

• If you forget your PIN, you can reset it by contacting Ecobank customer service.

3. Network Issues:

• USSD transactions depend on mobile network availability. Try again if you experience network issues or move to an area with better reception.

How to Contact Ecobank for Assistance

If you need assistance with the USSD service or have any banking-related queries, you can reach out to Ecobank’s customer support through the following channels:

1. Customer Care Hotline: Call the Ecobank customer service number provided on their website or your account documents.
2. Email Support: Send an email to Ecobank’s customer service email address.
3. Social Media: Reach out to Ecobank on their official social media handles.

FAQs

Conclusion

The Ecobank USSD code is a powerful tool that brings banking services to your fingertips, providing a convenient, fast, and secure way to manage your finances. 

Whether you’re purchasing airtime, transferring funds, checking your balance, or paying bills, the USSD code simplifies these tasks, saving you time and effort. 

By using this innovative service, Ecobank continues to enhance its customer experience, making banking more accessible to everyone, regardless of their location or internet connectivity.

References

Mobile Banking via USSD

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