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Titan Trust Bank: USSD Codes, Loans and Financial Services

By Oluchukwu Ikemefuna

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Titan Trust Bank USSD codes are simple digits that have become synonymous with convenience and accessibility in Nigeria’s banking sector.

In this era where technology is changing the way we interact with financial institutions, Titan Trust Bank has emerged as a pioneer in using USSD codes to provide seamless banking services to its customers. 

Titan Trust Bank has transformed the traditional banking experience, empowering individuals across the country to manage their finances conveniently and securely.

In this post, we’ll be reviewing the Titan Trust Bank’s USSD codes and the range of different financial services and loan products offered by the bank.

What is Titan Trust Bank?

Titan Trust Bank Limited is a bank in Nigeria that was founded in 2018 and received permission to operate as a commercial bank in April 2019. It’s licensed by the Central Bank of Nigeria, which is the main banking overseer in the country. 

The bank offers financial services to small and medium-sized businesses. Adaeze Udensi is the CEO of Titan Trust Bank, while Tunde Lemo serves as its chairman.

The bank is a private institution and has its headquarters in Lagos, Nigeria. It currently employs around 500 people. Titan Trust Bank has branches in Lagos and Kano State.

In June 2021, Titan Trust Bank gained approval to collect fees for the Nigeria Export Supervision Scheme (NESS) on behalf of the federal government.

In May 2022, the bank acquired the majority shares of Union Bank of Nigeria from several major shareholders. This included Union Global Partners Limited, Atlas Mara Limited, Standard Chartered Bank, Montane Partners West Africa Limited, and Mr. Emeka Emuwa, resulting in Titan Trust Bank owning 93.41 percent of Union Bank’s issued share capital.

To finance this acquisition, Titan Trust Bank secured $300 million in June 2022. In May 2023, the bank also acquired the remaining shares from all minority shareholders in Union Bank for 12.18 billion naira.

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What Services are Provided by Titan Trust Bank?

Having a Titan Trust Bank account offers a range of convenient services to its customers, including:

  • Mobile Banking: 

Its users can access their account easily using the USSD code (*922#). You can check your account balance, transfer funds within Titan Trust Bank and to other banks, pay bills, top up your phone airtime, and purchase data bundles.

  • Loans: 

Titan Trust users get financial assistance when it is  needed with various loan options, like:

   – Salary Advance: 

You can borrow a short-term loan based on a percentage of your salary.

   – Personal Loan: 

One can secure a loan for larger expenses with flexible repayment terms.

   – Fee Advance: 

Here, you can conveniently pay school fees or other one-time payments.

   – Business Loans: 

Titan Trust Bank customers can fuel their business growth with tailored loan options.

  • Other Services: 

Titan Trust Bank customers enjoy additional banking features, including being able to use their savings and current accounts, debit cards (Naira Mastercard & Verve), and credit cards (Titan World Elite Mastercard, Titan Platinum Mastercard).

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How to Open a Titan Trust Bank Account

Opening a Titan Trust Bank account involves several steps, but it’s a straightforward process that you can complete either online or by visiting a branch.To open an account:

  • Research and Choose an Account Type: 

Titan Trust Bank offers various account types tailored to different needs, such as savings, current, and investment accounts. Research the options available and choose the one that best suits your requirements.

  • Gather the Required Documents:

Before you begin the application process, gather the necessary documents. These typically include valid identification (such as a national ID card, driver’s licence, or international passport), proof of address (utility bills or bank statements), and passport-sized photographs.

  • Visit the Bank or Apply Online: 

You can either visit a Titan Trust Bank branch or apply online through their website or mobile app.

If applying in person, approach a customer service representative who will guide you through the process. If applying online, navigate to the bank’s website and locate the account opening section.

  • Fill Out the Application Form: 

You’ll need to fill out an account opening form, providing personal information such as your name, address, contact details, and occupation. Ensure all details are accurate and up-to-date.

  • Submit Required Documents:

Along with the application form, submit the required documents for verification. This may include scanned copies if applying online.

  • Initial Deposit: 

You may need to make an initial deposit, depending on the type of account. Make sure you have the required funds available in your account.

  • Verification and Approval: 

Once you’ve submitted the application and documents, the bank will verify your information. This process may take a few days. Once approved, you’ll receive confirmation along with your account details.

  • Activate Your Account:

 If you applied online, you may need to activate your account through a confirmation link sent to your email or mobile number.

  • Start Using Your Account: 

Once your account is active, you can start using it for transactions, deposits, and withdrawals.

Remember to keep your account information confidential and follow the bank’s security guidelines to protect your finances.

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Requirements needed to open a Titan Trust Bank Account

To open a Titan Trust Bank account, you’ll need to fulfil the following requirements:

  • A well completed Account Opening Form
  • The Customer Information may be sent online or electronically, depending on the bank’s procedures.
  • Your Bank Verification Number (BVN)
  • One Passport Photograph for identification.
  • A full KYC documentation which  includes documents that verify your identity, such as a national passport, driver’s license, voter’s card, or National Identity Management Commission (NIMC) card.
  • Valid Proof of Residence or Work Permit (for foreigners)
  • Personal Identification like your drivers license 
  • A Risk Assessment Form well filled out by an Account Officer.

Ensure all documents are valid and up-to-date to speed up the account opening process. 

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Titan Trust bank USSD Codes

USSD (Unstructured Supplementary Service Data) codes have changed the way customers interact with their banks, particularly in regions where internet connectivity may be limited. 

Titan Trust Bank USSD Codes provide a user-friendly service accessible through your mobile phone. By dialing *922#, users can perform various banking functions anytime, anywhere, even without an internet connection. 

With Titan Trust Bank’s USSD codes, customers can check their account balances, transfer funds between accounts, pay bills, recharge airtime,buy data bundles and even access mini-statements, all with just a few simple keystrokes on their mobile phones

This level of accessibility has empowered individuals across Nigeria to take control of their finances conveniently and securely, without being hindered by technological barriers.

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Titan Trust Bank Loans and other Financial services


Titan Trust bank loan type includes personal loan, Salary advance and fee advance.

  • Personal Loan

This loan is only available to staff of corporate organisations that have bank accounts with Titan Trust Bank.

Its features include:

  • Ability to adjust to different personal needs
  • Setting up a salary account with Titan Trust Bank
  • Minimum borrower limit of N100,000
  • Repayment of 25% of the employee’s yearly take-home pay over a maximum period of 12 months
  • Maximum borrower limit of 50% of yearly earnings (if there are no retirement benefits) with a repayment period not surpassing 24 months
  • Maximum borrower limit of 75% of yearly earnings (if retirement benefits exceed 100% of the loan) with a repayment period not exceeding 36 months
  • Debt-to-income ratio kept at 33.3%

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  • Salary Advance:

This is a loan option where you can borrow up to 75% of your monthly salary for a short period. You pay it back when you get your next paycheck.

Features of the Loan:

  • You can borrow up to 75% of your monthly salary.
  • The borrowed amount has to be paid back within 31 days, which is usually when you receive your next paycheck.
  • Your salary needs to be deposited into a Titan Trust Bank account for at least one month.

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  • Fee Advance 

If you’re a parent or guardian with a Titan Trust Bank account, you might qualify for a short-term loan to cover school fees.

Loan features include:

  • You can borrow up to ₦5 million.
  • If needed, you can extend the loan.
  • You can also send the borrowed money elsewhere (remittance).

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Titan Trust Bank offers a variety of short-term and long-term financing options to businesses. Here are some of the highlighted financial services:

  • Overdrafts:

This acts as a safety net for your business, providing a buffer to temporary cash flow issues. It allows you to withdraw more than what’s available in your current account, up to a pre-approved limit.

  • Term Loans:

These are financing options for mid to long-term goals such as capital expenditure or business expansion. Titan Trust Bank offers flexible repayment structures to suit your business needs.

  • Invoice Discounting Facilities:

This service helps with immediate cash flow by allowing you to receive a percentage of the value of your outstanding invoices upfront. The bank pays you a discounted amount of the invoice, then collects the full amount from your customer when it’s due.

  • Bonds and Guarantees:

Titan Trust Bank offers various types of guarantees to support your business endeavours. These can include:

  • Bid/Tender Bonds which guarantees your participation in bidding processes
  • Performance Bonds which ensures fulfilment of contractual obligations.
  • Advance payment guarantee provides assurance to clients who pay upfront for your services.
  • Customs bonds facilitate the clearance of imported goods through customs.
  • Shipping Guarantees which ensures payment to shipping companies.
  • Retention Bonds guarantees the quality of work done for projects.

By visiting a Titan Trust Bank branch or contacting their corporate banking team, you can discuss your specific business needs and decide which financial services would be the most suitable option for you.

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What are the Achievements of Titan Trust Bank?

Titan Trust Bank received recognition for their outstanding performance in 2021. They were honoured as the Best Trade Finance Provider in Nigeria by Global Finance Magazine. 

They also received the prestigious Deal of the Year award from BusinessDay Banks and Other Financial Institutions (BAFI) Awards for their exceptional achievements.

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How to apply for Titan Trust Bank loans

To open the Titan Trust Bank loan:

  • Download and fill the opening form of whichever loan you want to apply for.
  • Submit the form at any Titan Trust Bank branch or through email (contactcentre@titantrustbank.com). 

If you encounter any challenges while trying to apply, you should contact Titan Trust customer care for guidance.

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What is Titan Trust Bank’s USSD code?

 The USSD code for Titan Trust Bank is *922#.

What can I do with the USSD code?

You can perform various banking functions without an internet connection, including:
        * Checking your account balance
        * Transferring funds (within Titan Trust Bank and other banks)
        * Paying bills
        * Topping up your phone airtime
        * Purchasing data bundles

Can I apply for a loan through the USSD code?

No, unfortunately, applying for loans or managing existing loans is not possible through the USSD service.

What types of loans does Titan Trust Bank offer?

Titan Trust Bank offers a variety of loan options for individuals and businesses, including:
*Individuals: Salary advances, personal loans, fee advances.
*Businesses: Overdrafts, term loans, invoice discounting facilities.

How can I apply for a loan?

You cannot apply for a loan through USSD. Here are some ways to apply:
 * Visit a Titan Trust Bank branch. 
 * Contact Titan Trust Bank’s customer service for loan inquiries.
 * The bank’s website might have a dedicated section for Loans (check ‘Products & Services’ or similar tabs).

What documents do I need to apply for a loan?

Some of the required documents include A well completed Account Opening Form, Customer Information, Your Bank Verification Number (BVN),One Passport Photograph, etcetera.


Titan Trust Bank’s USSD codes have redefined banking accessibility, offering customers a convenient and secure way to manage their finances. 

The Bank continues to empower individuals and businesses across Nigeria with a comprehensive range of financial services and flexible loan products.

Titan Trust Bank remains dedicated to providing simple, accessible, and reliable banking solutions for all



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Blessing Ukibe
Blessing Ukibe

Medical Student at Nnamdi Azikiwe University|Tech content expert at Silicon Africa Technology|Lover of fun books and fun fun ☺️

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