Keystone USSD Code for Airtime, Transfer, & Mobile Banking

Keystone Bank provides a USSD code to assist customers with various mobile banking services.

Customers can use this USSD code directly from their mobile phones to pay bills, check account balances, buy airtime, purchase data, and perform other banking transactions.

In this article, you will learn the USSD code for each Keystone Bank service listed here, how to activate Keystone Bank’s services, and much more.

Introduction

Keystone Bank has established itself as a forward-thinking financial institution dedicated to innovation.

By constantly integrating modern technology into its services, the bank aims to enhance customer experience and accessibility.

One of the key innovations driving this commitment is the introduction of USSD codes.

USSD (Unstructured Supplementary Service Data) codes have revolutionized mobile banking by providing a quick, easy, and secure method for customers to perform banking transactions. These codes, which can be accessed from any mobile phone without the need for an internet connection, allow users to check account balances, transfer funds, pay bills, and more.

This service is particularly vital in regions with limited internet access, ensuring that banking services are available to a wider audience. By adopting USSD codes, Keystone Bank not only simplifies banking for its customers but also reinforces its commitment to innovative and inclusive financial solutions.

What is Keystone Bank USSD Code

USSD (Unstructured Supplementary Service Data) codes are a communication protocol used by mobile phones to interact with a service provider’s computers.

These codes enable users to access various services by dialling a specific sequence of characters on their mobile devices, usually starting with an asterisk (*) and ending with a hash (#).

USSD codes work in real time and do not require an internet connection, making them highly accessible.

Keystone Bank USSD Code and Its Benefits

Keystone Bank’s USSD code, *7111#, allows customers to perform various banking transactions directly from their mobile phones.

By dialing this code, users can check their account balances, transfer funds, pay bills, purchase airtime, and much more.

The primary benefits of using Keystone Bank’s USSD code include its ease of use, accessibility without an internet connection, and quick transaction processing, which enhances the overall banking experience.

Read Also: Wema Bank USSD Code for Airtime, Transfer, & Mobile Banking

Keystone Bank’s Mobile Banking Services

Keystone Bank offers a comprehensive suite of mobile banking services designed to provide convenience and flexibility to its customers.

Beyond the USSD code, the bank also provides a robust mobile app, which offers additional functionalities and a user-friendly interface for managing accounts, making transactions, and accessing customer support.

Together, these mobile banking services demonstrate Keystone Bank’s commitment to leveraging technology to meet the evolving needs of its customers.

Features of Keystone Bank USSD Code

Keystone Bank’s USSD code, *7111#, offers a range of features designed to enhance the banking experience for its users.

Convenience and Ease of Use

Keystone Bank’s USSD code is incredibly convenient and easy to use. By simply dialing *7111# on their mobile phones, customers can access various banking services without needing an internet connection or a smartphone.

Speed and Efficiency

Transactions made through the USSD code are processed swiftly, ensuring users can complete their banking activities efficiently.

This speed reduces the time spent on banking operations, making it a practical solution for busy individuals.

Security and Encryption

Security is a top priority for Keystone Bank. The USSD code transactions are secured with encryption and additional security measures, such as personal identification numbers (PINs), to protect users’ financial information and ensure safe transactions.

Accessibility and Availability

The USSD code is accessible to all customers, regardless of their location or type of mobile phone.

This broad accessibility ensures that banking services are available to a wider audience, including those in remote areas with limited Internet access.

24/7 Banking Services

Keystone Bank’s USSD code provides 24/7 banking services, allowing users to perform transactions at any time of the day or night. This round-the-clock availability ensures that customers can manage their finances whenever it is most convenient for them.

Ability to Perform Various Transactions

With the USSD code, customers can perform a variety of transactions, including checking account balances, transferring funds, paying bills, and purchasing airtime. This versatility makes the USSD code a comprehensive tool for managing everyday banking needs.

In summary, Keystone Bank’s USSD code offers convenience, speed, security, and a wide range of functionalities, ensuring that customers have reliable and efficient access to banking services at all times.

Comprehensive List of Keystone Bank USSD Codes

Keystone Bank provides a set of USSD codes to facilitate various banking transactions. Below is a table listing these codes and their respective functions.

Transaction Type	USSD Code	Description
Balance Inquiry	7111*1#	Check your account balance
Airtime Purchase (Self)	7111*Amount#	Buy airtime for your registered phone number
Airtime Purchase (Others)	7111*Amount*Phone#	Buy airtime for another phone number
Money Transfer (Keystone)	7111*2*AmountAccount#	Transfer money to another Keystone Bank account
Money Transfer (Other Banks)	7111*3*AmountAccount*BankCode#	Transfer money to accounts in other banks
Bill Payments	7111*4#	Pay bills for utilities and services
Mini Statement	7111*5#	View a mini statement of recent transactions
Account Opening	7111*6#	Open a new Keystone Bank account
PIN Change	7111*7#	Change your USSD PIN

These USSD codes enable Keystone Bank customers to perform essential banking transactions quickly and conveniently from their mobile phones.

The ability to check balances, purchase airtime, transfer money, pay bills, view mini statements, open accounts, and change PINs via USSD makes banking more accessible and efficient for all users.

Read Also: TAJ Bank USSD Code for Airtime, Transfer, & Mobile Banking

How to Activate Keystone USSD Code

Activating the Keystone Bank USSD code is a straightforward process that allows customers to access a range of banking services directly from their mobile phones.

Step-by-Step Guide on Activating Keystone USSD Code

To activate Keystone Bank USSD Code, follow the guide below:

1. Dial the USSD Code: Dial *7111# on your mobile phone.
2. Select Option: Follow the on-screen prompts and select the option to register or activate the USSD service.
3. Enter Account Details: Provide your Keystone Bank account number when prompted.
4. Create a PIN: Create a secure PIN for your USSD transactions.
5. Confirm Registration: Confirm the details and complete the registration process.

Requirements and Eligibility Criteria

To activate the Keystone USSD code, you must meet the following requirements:

• Keystone Bank Account: You need an active account with Keystone Bank.
• Mobile Phone: Any mobile phone, whether a feature phone or smartphone, can be used as long as it can dial USSD codes.
• Registered Phone Number: Your phone number must be registered with your Keystone Bank account.

Activation Process for New and Existing Customers

For New Customers:

1. Open an Account: Visit any Keystone Bank branch to open an account or use the USSD code to start the account opening process.
2. Register Your Phone Number: Ensure your mobile number is registered with your new account.
3. Activate USSD Code: Follow the step-by-step guide above to activate the USSD service.

For Existing Customers:

1. Dial the USSD Code: Dial *7111# on your registered mobile number.
2. Follow Prompts: Follow the on-screen prompts to activate the USSD service.
3. Create a PIN: Set up your PIN to secure your transactions.

Activating the Keystone Bank USSD code involves a simple registration process that can be completed in minutes.

By meeting the basic requirements and following the guided steps, both new and existing customers can quickly enable USSD banking services, gaining access to a host of convenient and secure banking transactions.

Keystone Bank USSD Code Usage

Keystone Bank’s USSD code, *7111#, provides a quick and convenient way to perform various banking transactions directly from your mobile phone. Here’s how to use it for different transactions:

How to Use Keystone USSD Code for Various Transactions

Balance Inquiry:

1. Dial *7111# on your mobile phone.
2. Select the option for balance inquiry.
3. Enter your USSD PIN to confirm.

Airtime Purchase (Self):

1. Dial 7111*Amount# on your mobile phone.
2. Confirm the purchase by entering your USSD PIN.

Airtime Purchase (Others):

1. Dial 7111*Amount*PhoneNumber#.
2. Confirm the phone number and enter your USSD PIN to complete the purchase.

Money Transfer (Keystone Bank):

1. Dial 7111*2*AmountAccountNumber#.
2. Confirm the recipient’s details and enter your USSD PIN to complete the transfer.

Money Transfer (Other Banks):

1. Dial 7111*3*AmountAccountNumber*BankCode#.
2. Confirm the recipient’s details and enter your USSD PIN to complete the transfer.

Bill Payments:

1. Dial 7111*4#.
2. Select the type of bill you want to pay.
3. Follow the prompts and enter your USSD PIN to confirm the payment.

Mini Statement:

1. Dial 7111*5#.
2. Enter your USSD PIN to view a mini statement of recent transactions.

Tips and Precautions for Using USSD Codes

Keep Your PIN Secure:
Always keep your USSD PIN confidential. Do not share it with anyone to prevent unauthorized access to your account.

Verify Transaction Details:
Before confirming any transaction, double-check the details, such as the recipient’s account number and the amount being transferred.

Use a Registered Phone Number:
Ensure that you are using the phone number registered with your Keystone Bank account to avoid any issues with transaction authentication.

Monitor Your Account:
Regularly check your account balance and transaction history to ensure there are no unauthorized transactions.

Beware of Scams:
Be cautious of phishing scams and unsolicited messages asking for your bank details or PIN. Always verify the authenticity of such requests.

Using Keystone Bank’s USSD code is a secure and efficient way to manage your banking needs on the go.

By following the correct steps for each transaction and adhering to safety tips and precautions, you can enjoy the convenience of mobile banking while keeping your account secure.

Read Also: Fidelity USSD Code for Airtime, Transfer, & Mobile Banking

How to Block Keystone Bank USSD Code

Blocking your Keystone Bank USSD code may become necessary to protect your account from unauthorized access and ensure the security of your finances.

Reasons for Blocking USSD Code

Security Concerns:
If you suspect that your USSD PIN has been compromised or shared with unauthorized individuals, blocking the USSD code can prevent potential misuse.

Unauthorized Access:
In cases where your mobile phone is lost or stolen, blocking the USSD code ensures that no one can perform unauthorized transactions from your account.

Step-by-Step Guide on Blocking Keystone Bank USSD Code

1. Dial the USSD Code: Dial *7111# on any mobile phone.
2. Select the Blocking Option: Choose the option to block your USSD service from the menu.
3. Enter Account Details: Provide your Keystone Bank account number when prompted.
4. Confirm Blocking: Confirm your request to block the USSD code by entering your USSD PIN or any other required authentication details.
5. Contact Customer Support (if needed): If you encounter any issues, contact Keystone Bank’s customer support for assistance. You can reach them via their helpline or visit the nearest branch.

Blocking your Keystone Bank USSD code is a critical step in safeguarding your account from unauthorized access and security breaches. By following the straightforward steps outlined above, you can quickly and effectively block your USSD service when necessary, ensuring that your financial information remains secure.

How to Unblock Keystone Bank USSD Code

Unblocking your Keystone Bank USSD code allows you to resume using mobile banking services after resolving security concerns or reactivating your account.

Reasons for Unblocking USSD Code

Resolved Security Concerns:
If you have addressed the security issues that led to blocking your USSD code, such as recovering a lost phone or resetting your PIN, you can unblock the service to restore access.

Reactivation:
You may need to unblock the USSD code to reactivate your mobile banking services after temporarily disabling them for any reason.

Step-by-Step Guide on Unblocking Keystone Bank USSD Code

1. Dial the USSD Code: Dial *7111# on your mobile phone.
2. Select the Unblocking Option: Follow the on-screen prompts and choose the option to unblock your USSD service.
3. Enter Account Details: Provide your Keystone Bank account number when prompted.
4. Verify Identity: Complete the identity verification process by entering your USSD PIN or answering security questions.
5. Confirm Unblocking: Confirm your request to unblock the USSD code.
6. Contact Customer Support (if needed): If the unblocking process does not complete successfully, contact Keystone Bank’s customer support for further assistance.

Unblocking your Keystone Bank USSD code is a simple process that allows you to resume mobile banking after resolving any security concerns.

By following these steps, you can quickly regain access to your account and continue using the convenient USSD services offered by Keystone Bank.

Also read: UBA USSD Code for Airtime, Transfer, & Mobile Banking

How to Upgrade My Keystone Bank Account Using USSD Code

Upgrading your Keystone Bank account using the USSD code allows you to enjoy enhanced banking services and benefits.

Benefits of Upgrading Keystone Bank Account

Increased Transaction Limits:
By upgrading your account, you can enjoy higher transaction limits, enabling you to perform larger transactions conveniently.

Access to Additional Services:
Upgraded accounts often provide access to a wider range of banking services and products, such as loans, higher interest rates on savings, and specialized customer support.

Enhanced Security Features:
Upgrading your account may also include enhanced security measures, providing better protection for your finances.

Step-by-Step Guide on Upgrading Account Using USSD Code

1. Dial the USSD Code: Dial *7111# on your registered mobile phone.
2. Select Account Upgrade Option: From the menu, choose the option to upgrade your account.
3. Provide Required Information: Enter the necessary details, such as your current account number and any additional information requested.
4. Verify Identity: Complete the identity verification process by entering your USSD PIN or answering security questions.
5. Confirm Upgrade Request: Confirm your request to upgrade the account. You may receive a confirmation message or further instructions via SMS.
6. Contact Customer Support (if needed): If you encounter any issues during the upgrade process, contact Keystone Bank’s customer support for assistance.

Upgrading your Keystone Bank account using the USSD code is a straightforward process that offers numerous benefits, including higher transaction limits and access to additional banking services.

By following the outlined steps, you can quickly and easily upgrade your account and enjoy the enhanced features and services provided by Keystone Bank.

Also read: How to Apply for Specta Loan

How to Pay Back Keystone Bank Loan with USSD Code

Repaying your Keystone Bank loan using the USSD code is a convenient and efficient way to manage your loan payments directly from your mobile phone.

Benefits of Using USSD Code for Loan Repayment

Convenience:
The USSD code allows you to make loan repayments anytime and anywhere, without the need for an internet connection or visiting a bank branch.

Speed and Efficiency:
Loan repayments via USSD are processed quickly, ensuring that your payments are made on time and without delay.

Security:
USSD transactions are secure, with encryption and PIN protection ensuring that your financial information remains safe.

Read Also: Zenith Bank USSD Code for Airtime, Transfer, & Mobile Banking

Step-by-Step Guide on Repaying Loan Using USSD Code

1. Dial the USSD Code: Dial *7111# on your registered mobile phone.
2. Select Loan Repayment Option: From the menu, choose the option for loan repayment.
3. Enter Loan Details: Provide the necessary details, such as the loan account number and the repayment amount.
4. Confirm Payment: Enter your USSD PIN to confirm the loan repayment transaction.
5. Receive Confirmation: You will receive a confirmation message once the repayment is successfully processed.

Using the Keystone Bank USSD code for loan repayment is a simple and secure method that offers the benefits of convenience, speed, and security. By following the step-by-step guide, you can easily manage your loan repayments and ensure timely payments, enhancing your overall banking experience with Keystone Bank.

Also read: How to Repay Access Bank Loan Online

How to Borrow Money from Keystone Bank with USSD Code

Borrowing money from Keystone Bank using the USSD code is a convenient way to access loans directly from your mobile phone.

Eligibility Criteria for Borrowing

To borrow money from Keystone Bank using the USSD code, you need to meet certain eligibility criteria:

• Keystone Bank Account: You must have an active account with Keystone Bank.
• Good Credit History: You should have a good credit history with the bank.
• Regular Income: Demonstrating a regular income source can improve your eligibility.
• Registered Phone Number: Your mobile number should be registered with your Keystone Bank account.

Types of Loans Available Through USSD Code

Keystone Bank offers various types of loans accessible via USSD, including:

• Personal Loans: For personal expenses or emergencies.
• Salary Advance: Short-term loans for salaried individuals.
• Micro Loans: Small loans for immediate financial needs.

Step-by-Step Guide on Borrowing Money Using USSD Code

1. Dial the USSD Code: Dial *7111# on your registered mobile phone.
2. Select Loan Option: From the menu, choose the option for loans.
3. Choose Loan Type: Select the type of loan you wish to apply for (e.g., personal loan, salary advance).
4. Enter Loan Details: Provide necessary details such as the loan amount and repayment period.
5. Submit Application: Confirm your application by entering your USSD PIN.
6. Receive Confirmation: You will receive a confirmation message with details of your loan application status.

Interest Rates and Repayment Terms

Interest Rates:
Keystone Bank offers competitive interest rates on loans accessed via USSD. The exact rate may vary depending on the type of loan and your credit profile.

Repayment Terms:
Loan repayment terms are flexible and can be tailored to suit your financial situation. Typically, repayments are deducted directly from your Keystone Bank account on a monthly basis or as agreed during the loan application process.

Borrowing money from Keystone Bank using the USSD code is a simple and efficient process. By meeting the eligibility criteria and following the step-by-step guide, you can quickly apply for and receive various types of loans. With competitive interest rates and flexible repayment terms, Keystone Bank ensures that borrowing money is both convenient and affordable.

Also read: NIRSAL Loans and how to Apply

Advantages of Keystone Bank USSD Code

Keystone Bank’s USSD code, *7111#, offers numerous benefits, making banking more accessible and efficient for its customers.

Convenience and Ease of Use

The USSD code is highly convenient and user-friendly. Customers can perform banking transactions by simply dialing *7111# on their mobile phones. This eliminates the need for internet access or visiting a bank branch.

Speed and Efficiency

Transactions made via the USSD code are processed quickly. Whether you are transferring funds, checking your balance, or paying bills, the process is efficient and saves valuable time.

Security and Encryption

Keystone Bank ensures that all USSD transactions are secure. The use of encryption and personal identification numbers (PINs) helps protect customers’ financial information and prevent unauthorized access.

Accessibility and Availability

The USSD code is accessible to all customers, regardless of their location or the type of mobile phone they use. This broad accessibility ensures that banking services are available even in areas with limited internet connectivity.

24/7 Banking Services

Keystone Bank’s USSD code provides round-the-clock banking services. Customers can perform transactions at any time, day or night, which is especially useful for managing urgent financial needs outside of regular banking hours.

Ability to Perform Various Transactions

The USSD code allows customers to perform a wide range of banking transactions. These include balance inquiries, fund transfers, bill payments, airtime purchases, loan applications, and more. This versatility makes the USSD code a comprehensive tool for managing everyday banking needs.

Keystone Bank’s USSD code offers significant advantages, including convenience, speed, security, accessibility, 24/7 availability, and the ability to perform various transactions. These benefits make it an essential tool for efficient and effective banking.

Security Measures for Keystone Bank USSD Code

Keystone Bank implements robust security measures to ensure that transactions made through their USSD code are safe and secure.

Encryption and Secure Connection

Keystone Bank uses advanced encryption technology to protect all USSD transactions. This encryption ensures that data transmitted between your mobile phone and the bank’s servers is secure and cannot be intercepted by unauthorized parties.

PIN and Password Protection

Customers are required to create a Personal Identification Number (PIN) when registering for the USSD service. This PIN acts as a password and must be entered to authorize transactions, adding an extra layer of security. Customers should never share their PIN with anyone to prevent unauthorized access.

Regular Security Updates and Maintenance

Keystone Bank conducts regular security updates and maintenance on their systems. These updates address potential vulnerabilities and ensure that the USSD platform remains secure against emerging threats.

Fraud Detection and Prevention

Keystone Bank employs sophisticated fraud detection systems to monitor transactions for suspicious activity. If any unusual or unauthorized transactions are detected, the bank takes immediate action to prevent fraud and protect customer accounts.

Customer Data Protection

Protecting customer data is a top priority for Keystone Bank. The bank adheres to strict data protection policies and regulations, ensuring that customer information is stored securely and accessed only by authorized personnel. Regular audits and compliance checks are conducted to maintain high standards of data security.

Keystone Bank’s USSD code security measures include encryption, PIN and password protection, regular security updates, fraud detection and prevention, and stringent customer data protection policies. These measures work together to provide a secure and trustworthy mobile banking experience for all customers.

Common Issues and Solutions

Using Keystone Bank’s USSD code can occasionally lead to issues. However, understanding common problems and their solutions can help you resolve them quickly.

Error Messages and Troubleshooting

You may encounter various error messages while using the USSD code. Common errors include network issues, invalid input, or service unavailability. To troubleshoot:

• Check Network Connection: Ensure you have a stable network signal.
• Verify Inputs: Double-check that you entered the correct account numbers, PINs, and transaction amounts.
• Retry Later: If the service is temporarily unavailable, wait a few minutes and try again.

Common Mistakes and How to Avoid Them

Users often make mistakes that can disrupt transactions. Avoid these common errors:

• Incorrect PIN Entry: Always enter the correct PIN. Repeated incorrect attempts can lock your account.
• Wrong Account Number: Verify the recipient’s account number before confirming any transfer.
• Incomplete Commands: Follow the USSD prompts carefully to ensure all required fields are completed.

USSD Code Not Working or Account Locked/Blocked

If the USSD code is not working or your account is locked:

• Check Network Issues: Ensure your mobile network is functioning properly.
• Account Lock: If your account is locked due to incorrect PIN attempts, contact customer support to reset your PIN and unlock the account.
• Blocked USSD Code: If you blocked your USSD service for security reasons, follow the bank’s process to unblock it.

Customer Support and Contact Information

For unresolved issues or further assistance, contact Keystone Bank’s customer support:

• Phone Support: Call the Keystone Bank helpline at 0700 2000 3000.
• Email Support: Send an email to contactcentre@keystonebankng.com.
• Visit Branch: You can also visit the nearest Keystone Bank branch for in-person assistance.

Common issues with Keystone Bank’s USSD code include error messages, common mistakes, and account locks. To address these, ensure a stable network, verify inputs, and contact customer support for further assistance.

By understanding these common problems and their solutions, you can ensure a smoother and more efficient banking experience.

Read Also: UBA USSD Code for Airtime, Transfer, & Mobile Banking

FAQs

Reference

• USSD Banking – Keystone Bank Nigeria

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