Enter your email address below and subscribe to our newsletter

Heritage Bank Code for Transfer and Other Banking Transactions

By Oluchukwu Ikemefuna

Share your love

Making transactions in this digital age has been made easier with the introduction of USSD codes by financial institutions. Almost every bank in Nigeria has a USSD code that allows users to access the majority of their services while on the go. Heritage Bank is regarded as a pioneer in Nigerian banking; hence, it would be unusual for them not to have a transfer code.

Heritage Bank is one of the banks that has embraced this technology to make banking easier for its customers. Of course, they do have a USSD code, which is precisely the purpose of this entire article. As a Heritage Bank user, you may have heard about the Heritage Bank code for transfers and other Heritage Bank transactions.

Years ago, the bank created its transfer code. This code is a convenient way that allows users to carry out various banking transactions using their mobile phone, without visiting the bank or using an ATM. 

In this article, we will talk about Heritage Bank’s transfer code and why you should use it. You’ll also learn about some of the most useful functions you can perform with the transfer code, as well as how to do so from your phone. So let’s dive in!

What is the Heritage Bank Transfer Code?

Heritage Bank’s transfer code, which is *745#, allows customers to receive financial services directly from their smartphones, removing the need to visit a real bank branch. 

The secure transfer code, which is compatible with any smartphone and works without an internet connection, makes it easier to pay bills, buy airtime, transfer money, and check your balance. This service requires a working phone, a Heritage Bank account, and ownership verification. 

By dialing the general code, customers can access a variety of banking operations provided by the app. The following section explains the Heritage Bank transfer code’s capabilities and how to use them.

Related – USSD Codes for Union Bank, Polaris, First Bank & Zenith

Benefits of Using the Heritage Bank USSD Code

As a Heritage Bank user, you may already be aware of the convenience and security of using their USSD code for transactions. But if you’re not yet taking advantage of this feature, here are some benefits that might convince you to try it out.

1. Quick and Easy Transactions

With Heritage Bank’s USSD code, you can perform transactions from anywhere, at any time, right from your mobile phone. There is no need for internet banking or visiting a physical bank branch. Simply dial the code and follow the prompts to make transfers, check your account balance, or buy airtime.

2. Zero Transaction Fees

Using the Heritage Bank USSD code for transactions is completely free of charge. You won’t have to pay any transaction fees or hidden charges, making it a cost-effective option for your banking needs.

3. Secure Transactions

Heritage Bank ensures that your transactions are secure by requiring you to enter a unique PIN each time you use the USSD code. This helps prevent unauthorized access to your account and protects your funds from fraudulent activities.

4. Availability on All Mobile Networks

The Heritage Bank USSD code is available on all mobile networks in Nigeria, making it accessible to all customers, regardless of their network provider. You can use the code whether you’re on MTN, Glo, Airtel, or 9mobile.

5. Multiple Transactions in One Session

With the Heritage Bank USSD code, you can perform multiple transactions in one session without having to dial the code over and over again. This saves you time and effort, especially if you have several transactions to make.

6. Convenience for Business Owners

If you’re a business owner, the Heritage Bank USSD code offers a convenient way to perform transactions for your business. You can use the code to make payments to suppliers, employees, or vendors, as well as receive payments from customers.

7. 24/7 Availability

The Heritage Bank USSD code is available 24/7, which means you can perform transactions at any time of the day or night. This is especially useful for urgent transactions that cannot wait until the bank’s opening hours.

Read Also – Full LIst of Opay USSD Codes & How to Use Them 2024

How to Activate the Heritage Bank Transfer Code 

Activating the Heritage Bank transfer code is critical for each customer with a bank account at Heritage Bank in Nigeria. This bank aspires to provide its customers with a hassle-free banking experience by bringing its services closer to each client.

When you activate the Heritage Bank USSD code on your phone, you will gain access to a variety of benefits, as stated earlier. If you want to activate the Heritage bank code for transfers in Nigeria, here’s how to go through the entire process step by step. Before we start, let’s check what you’ll need to activate the service.

Requirements for Activating Heritage Bank’s Code in Nigeria

To activate the Heritage Bank USSD code in Nigeria, you’ll need the following:

  • The number for the Heritage bank account.
  • Debit card information and MasterCard numbers.
  • A mobile phone with an active SIM card.

Now how can you activate the USSD code for Heritage Bank transactions? Once you have the things listed above, follow the instructions below to register and activate your transfer code. 

  • Dial *745*heritage account number*last six digits of your debit card# from your mobile phone. 
  • Respond with choice 1 to agree to the service’s terms and conditions. 
  • An on-screen prompt will prompt you to select your debit card type and expiration date. Your card’s expiration date can be found on the back. 
  • Choose the account number you want to use for transactions, as you may have multiple accounts. 
  • Next, you will be prompted to create a PIN that will be used to authorize transactions. Enter the four-digit PIN that you can easily recall. 
  • Verify your account number and PIN. Click the Send button and wait for a confirmation message. 
  • You are ready to proceed after you receive an SMS confirming that your registration has been completed. 

How to Use Heritage Bank Code for Transfer

Once you have completed all of the requirements for utilizing Heritage Bank’s code for transfers, you can begin using it for the majority of your Heritage Bank transactions. However, it should be noted that utilizing the code is only recommended while using a feature phone; for smartphone users, the dedicated app is always preferred.

With that said, below are some of the functions available with the Heritage Bank transfer code, as well as instructions for doing them.

Money Transfers

Transferring money from one account to another is the most common use of Heritage Bank codes, hence the name ‘Heritage Bank transfer code.’

  • To transfer money between Heritage Bank accounts, dial *745*1*Amount*Recipient’s account number#. 
  • To make a Heritage Bank to another bank transfer, call *745*2*Amount*Recipient’s account number#. 
  • To complete the transaction, enter your transfer PIN.

Remember that any transaction you complete using the Heritage Bank transaction code will cost you N6.98, including transfers.

Airtime Purchase 

You can use Heritage Bank’s *745# USSD code to purchase airtime with money from your bank account. You can purchase airtime for yourself or others as long as you do not exceed the N10,000 daily limit.

  • If you’re buying airtime for the phone number you used to open your first bank account, simply enter *745*Airtime amount#.
  • If you are purchasing airtime for another phone number, you must mention the number. To do this, dial *745*Airtime amount*Recipient phone number#.

To complete the transaction, enter your five-digit PIN and pay a service charge of ₦6.98.

Account Balance Check 

If you have an account with Heritage Bank and have enabled the Quick Banking option, you may always check your balance by dialing *745*0#.

  • To obtain a more thorough statement of account, call *745# and follow the prompts.
  • The Heritage Bank transfer code allows you to do more than just that. If you look around carefully, you can find a plethora of other banking solutions that do not require internet connectivity.
  • Utility bill payments, Heritage Bank account creation, and BVN-to-bank account linkage are just a few of the services provided via USSD.

However, using these features incurs a ₦6.98 service fee. As a result, using the HeritageMobile app for transactions whenever you have access to the internet can be more cost-effective.

Also Read – Access Bank Transfer Codes For Money Transfers and Bill Payments 2024

Other Heritage Bank Transaction Codes

Aside from the Heritage Bank code for transfer, other USSD codes can be used to perform various Heritage Bank transactions on your Heritage Bank account. Some of them include:

TransactionsUSSD Codes 
Pay with USSD (on POS & Web) *745*000*RefCode# 
Pay bills    *745#> Select pay bills 
Retrieve BVN  *565*0# 
Change USSD PIN*745*00# 
Block account from any phone *745*11# 
Bet9ja Top-up  *745*222*Bet9jaUserID*Amount# 
LCC payment*745*000*522+etagNo+100# 
Heritage Bank Codes

Troubleshooting Common Issues: What to Do If the Heritage Bank Transfer Code Does Not Work

Heritage Bank transfer codes enable you to execute a variety of banking operations with your mobile phone. It is possible that your Heritage Bank transactions will not work as planned at some point. 

If you’re having trouble with your Heritage Bank code for transfer, here are some things you can do to fix it:

  1. Check Network Signal: Before entering the USSD code, make sure you have a stable network signal. If you are in an area with low reception, consider moving to a spot with a stronger signal.
  1. Check the USSD code: Make sure you’re dialing the correct USSD code for the transaction you wish to make. The code must be entered exactly as provided by Heritage Bank.
  1. Check Transaction Limits: Examine your account’s transaction limits to discover whether you have reached any restrictions. If necessary, contact Heritage Bank’s customer service department to inquire about expanding your transaction limits.
  1. Contact Customer Support: If none of the above steps fix your problem, you should contact Heritage Bank’s customer service for assistance. They can provide advice, verify the status of your account, and assist with any technical issues.

Final Thoughts

Heritage Bank’s user-friendly transfer code has revolutionized banking transactions. With the simplicity of the Heritage Bank transfer code for various transactions, customers enjoy a seamless experience. 

The code enhances accessibility, allowing users to effortlessly manage their Heritage Bank transactions. As technology continues to evolve, the bank stands at the forefront, providing a reliable and convenient solution for their customers. 

Embracing the Heritage bank code for transfers ensures a smooth, secure, and swift banking experience, aligning with the bank’s dedication to customer satisfaction.

Frequently Asked Questions

What is the Heritage Bank Code for Transfer?

The Code for Transfer is a unique code that allows you to perform banking transactions such as transfers, airtime recharge, and bill payments using a USSD code on your mobile phone. The code is designed to simplify banking transactions and provide you with a convenient, secure, and fast way to transfer money and perform other banking activities.

How do I use the Heritage Bank Code for Transfer?

To use the Heritage Bank Code for Transfer, simply dial *745# on your mobile phone, and follow the prompts on the screen. You will be required to enter your Heritage Bank account number, select the type of transaction you want to perform, enter the recipient’s details, and confirm the transaction. 

Is it safe to use the Heritage Bank Code for Transfer?

Yes, it is safe to use the Heritage Bank Code for Transfer. The code is designed to provide you with a secure and convenient way to perform banking transactions. 

What types of transactions can I perform using the Heritage Bank Code for Transfer?

You can perform several types of transactions using the Heritage Bank Code for Transfer, including money transfers, airtime recharge, bill payments, and account balance inquiries. You can also use the code to open a Heritage Bank account, request for a loan, and perform other banking activities.

What is the transaction limit for the Heritage Bank Code for Transfer?

The transaction limit for the Heritage Bank Code for Transfer is determined by your account type and the type of transaction you want to perform. You can check your transaction limit by dialing *745# and selecting the “Transaction Limit” option. 


  • www.legit.ng – Useful Heritage Bank codes: from money transfers to balance check 
  • www.bankfanz.com – Heritage Bank Transfer Code & Latest Heritage Bank Ussd Code 2024


Share your love
Onyinyechi Ikemefuna
Onyinyechi Ikemefuna

Ikemefuna Onyinyechi Patience, a skilled Content Writer hailing from Anambra State Nigeria, holds a Higher National Degree in microbiology from Federal Polytechnic Oko, Anambra. Armed with robust research and SEO expertise, she excels in crafting articles spanning technology, finance, healthcare, education, and lifestyle. Her work stands out for its ability to authentically inspire and engage while inciting action. Beyond her writing prowess, Ikemefuna finds joy in reading, exploring movies, and delving into continuous research, contributing to her growth as a proficient writer.

Articles: 76

Newsletter Updates

Enter your email address below and subscribe to our newsletter

Stay informed and not overwhelmed, subscribe now!