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Updated List of All Ecobank USSD Codes for Banking Transactions

By Oluchukwu Ikemefuna

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The Ecobank USSD code is one example of a solution the banking industry has created where users can transfer money from their Ecobank account, purchase airtime, and pay bills without visiting the bank or using an internet connection.

The banking sector of today has greatly facilitated customers’ ability to do transactions without physically visiting the bank. In terms of creative ideas, Ecobank Nigeria is not behind the times. 

Those who live in places without internet access especially benefit from the Ecobank USSD code. It enables you to transfer money from one Ecobank account to another Ecobank account or to any other Nigerian bank account swiftly and securely. 

Read also – 5 Easy Ways to Check Your NIN Number in Nigeria

What is the Ecobank Transfer Code?

*326# the Ecobank USSD code for Customers to have an alternative when it comes to utilizing or transferring money from their Ecobank account when they use this USSD (Unstructured Supplementary Service Data) code.

Upon dialing the USSD code for Ecobank, 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. 

List of Ecobank Mobile Transfer Codes

As shown in the table, you can perform a number of different transactions with the Ecobank USSD code. 

Transaction typeUSSD code
Check balance  *326*0#
Airtime top-up for others  *326*Amount*Phone number#
Airtime top-up for self  *326*Amount#
Pay Bills*326#
Transfer to Ecobank account *326#
Transfer to other bank*326#
To open an Xpress savings account *326#
For Xpress loans*326#
To reset PIN*326#

What do I Require to get a Transfer Code for Ecobank?

To register for the Ecobank USSD code, you’ll need a few items:

  • (A feature phone will work just fine; a smartphone is not necessary). 
  • An Ecobank account
  • An Ecobank phone number that is registered and connected to the account
  • A debit card issued by Ecobank.

How to Sign up for the Transfer Code by Yourself 

  • Dial *326# on your mobile device. 
  • Make sure the number you use is the one that is associated with your bank account. 
  • You will be prompted to choose the debit card that is connected to your bank account on the screen. 
  • Enter the necessary information and click “Proceed.” 
  • A few facts must be entered in order to confirm that you are the owner of the account. 
  • After entering the required information, click the submit button. 
  • To authorize transactions, you will be required to generate a secret personal identification number, or PIN. 
  • Make a PIN that is simple to recall. After pressing the submit button, watch for an Ecobank confirmation message. 
  • You are set to go as soon as you receive an SMS confirming the success of your registration. 

How to Sign up for the Transfer Code at an Ecobank Branch 

Registering at a physical branch for the Ecobank USSD code may be desired for a number of reasons. When a customer’s bank account is unlinked from their phone number, this is one of the most frequent situations. 

You are unable to sign up for the USSD service on your own without a linked number. If this occurs, go to the physical branch that is closest to you and remember to bring your ID card. 

Your number will be connected to your account by a bank customer service agent, who will also register you to start using the USSD code for Ecobank.

Read also – How to Transfer Data on MTN, GLO, 9Mobile and Airtel

How Long will it Take to Sign up for Ecobank USSD Code? 

If you meet all the conditions, the entire process should normally take less than twenty minutes. However, if you want to complete the registration at a physical branch, this time frame may be extended. 

This is mostly because banking halls are known for their long lines. The process will take longer if you don’t have a linked number or debit card because the customer support agent will need to make sure you fulfill all the conditions for activating your Ecobank USSD code.

Generally, signing up for the Ecobank USSD code service is designed to be quick and seamless, with most users completing the process within a few minutes.

Once you initiate the sign-up process by dialing the designated USSD code, you will be guided through the registration steps, including providing your account details and setting up a PIN. As long as you have all the necessary information readily available, the sign-up process can be completed promptly.

However, certain factors such as network connectivity, verification checks, and any technical issues may occasionally cause delays in the registration process. In such cases, it may take slightly longer to sign up for the Ecobank USSD code service.

Overall, Ecobank aims to provide a smooth and efficient registration experience for its customers, ensuring they can access the USSD code service without unnecessary delays.

 If you encounter any issues or have questions during the sign-up process, you can reach out to Ecobank’s customer support for assistance and guidance.

Read also – Every Important MTN USSD Codes in South Africa

What if I am Unable to Sign up for the USSD Code for Ecobank

If you encounter difficulties signing up for the Ecobank USSD code service, there are several steps you can take to resolve the issue and successfully activate your account:

1. Check Eligibility

Ensure that you meet the eligibility requirements for accessing the Ecobank USSD service. This typically includes having an active Ecobank account and a registered phone number linked to your account.

2. Verify Registration Details

Double-check that the phone number you are using for registration is the same one linked to your Ecobank account. Any discrepancies can lead to authentication issues.

3. Contact Customer Support

Reach out to Ecobank’s customer support team for assistance. They can provide guidance, troubleshoot any technical issues, and offer alternative solutions to help you sign up for the USSD code service.

4. Visit a Branch

If the issue persists, consider visiting the nearest Ecobank branch for in-person assistance. A bank representative can assess the situation, verify your account details, and provide personalized support to ensure successful registration for the USSD service.

5. Update Account Information

 If necessary, ensure that your account information with Ecobank is up to date. This includes verifying your account status, contact details, and any relevant documentation required for registration.

By following these steps and seeking assistance from Ecobank’s support channels, you can address any issues preventing you from signing up for the USSD code service and gain access to convenient banking services.

You can get help from an Ecobank branch nearby if you run into problems with the sign-up procedure. As an alternative, you can email ecobankenquiries@ecobank.com or give the bank’s customer service centre a call at +234 1 277 2904.

Read also – USSD Codes for Union Bank, Polaris, First Bank & Zenith

How to Activate your Ecobank Transfer Code 

Your registration on the Ecobank’s USSD code platform has been successful. Does the service need to be activated? You don’t have to give up trying to activate your Ecobank USSD code. 

There aren’t any more activation steps needed after the registration is approved. Use of the code is now possible.

Activating your Ecobank transfer code via USSD is a straightforward process that allows convenient access to banking services. To initiate the activation:

  • Dial the USSD Code: From your registered phone number linked to your Ecobank account, dial the Ecobank USSD code. This is typically *326#.
  • Select Activation Option: Follow the on-screen prompts and select the activation or registration option.
  • Provide Account Details: Enter your Ecobank account number and follow the instructions to confirm your identity.
  • Set PIN: Create a secure PIN that will serve as your authentication code for accessing the USSD banking service.
  • Confirmation: Confirm the activation by following the prompts on the screen.
  • Receive Confirmation Message: Upon successful activation, you will receive a confirmation message indicating that your Ecobank transfer code is now active and ready for use.

Activating your Ecobank transfer code via USSD provides convenient access to a wide range of banking services, including funds transfers, airtime purchase, bill payments, and account balance inquiries. 

Ensure that you keep your PIN secure and do not share it with anyone to safeguard your account information. For any assistance or inquiries, you can contact Ecobank customer support or visit the nearest branch for assistance.

How to Transfer Money from Ecobank to Another Bank Using USSD code

You may simply complete your financial transactions by using the Ecobank USSD code to other banks. It is a rapid, easy, and cost-effective method of transferring money. 

Here are the procedures for using the USSD code to transfer funds from your account to another person’s bank account.

  • Enter the shortcode *326# using your phone. 
  • There will be a choice of alternatives; choose “transfer funds.” From the list of banks, choose the recipient’s bank. 
  • Enter the bank account number of the beneficiary. 
  • The name of the receiver will appear in the on-screen prompt. 
  • Verify the name, then continue.
  • In the event that the name is wrong, end the transaction and begin again. 
  • Click the next button and enter the transaction password. 
  • After entering your PIN that you generated during registration, click Send. 
  • The transfer is complete! 

How to get your Ecobank Mobile Transfer PIN 

The procedures listed below can help you obtain your mobile transfer pin back if you lose it. 

  • Enter the Ecobank USSD code *326# on your phone. First, select “My Account” option 1. 
  • Next, select “Pin reset with OTP” option 4. 
  • An SMS with a one-time password (OTP) will be delivered to your cell phone number. 
  • Choose a new four-digit pin number (ideally one you can readily remember) and enter the OTP. 
  • Verify your pin, then click the “Send” button. 
  • An SMS notice ought to be sent to you in case your pin reset is effective.

Read also – Latest Standard Bank Branch Code in South Africa 2024

Why Should I get the Transfer Code? 

You have multiple options for transferring money from your account to other banks, just like with other banks. So why would someone choose the transfer code over anything else? The Ecobank USSD transfer code offers a number of benefits. 

  • It’s easy to use. 
  • The service is available even in places without internet access. 
  • It is said to be very safe and incredibly quick. 
  • Because of its versatility, the transfer code can be used for additional services like buying airtime and paying bills. 
  • All mobile device kinds, including feature phones, can use it. 
  • It works with all networks. Airtel, Etisalat, Glo, and MTN are some of these. Any time of day or night, the USSD service is accessible. 


What is an Ecobank USSD code?

 An Ecobank USSD code is a short numeric sequence that allows customers to access banking services via their mobile phones by dialing the code from their registered phone numbers.

How do I register for Ecobank USSD banking?

To register for Ecobank USSD banking, dial the USSD code provided by Ecobank from your registered phone number and follow the prompts to complete the registration process.

What banking services can I access using Ecobank USSD codes?

With Ecobank USSD codes, you can access a range of banking services including funds transfers, airtime purchase, bill payments, balance inquiries, and mini statement requests.

Can I use Ecobank USSD codes if I don’t have an Ecobank account?

No, Ecobank USSD codes are exclusively available to Ecobank account holders. You need an active Ecobank account to access USSD banking services.

How secure are Ecobank USSD transactions?

Ecobank USSD transactions are secured with multiple layers of encryption and authentication to ensure the safety of customer data and transactions.

Is there a fee for using Ecobank USSD banking?

Ecobank may charge nominal fees for certain USSD transactions. However, basic services like balance inquiries are often free.

Can I use Ecobank USSD codes from any mobile phone?

Yes, as long as your phone is capable of sending and receiving SMS messages, you can use Ecobank USSD codes.

How do I reset my Ecobank USSD PIN?

You can reset your Ecobank USSD PIN by dialing the USSD code and selecting the option to reset PIN or by contacting Ecobank customer support.

What should I do if I encounter an error while using Ecobank USSD codes?

If you encounter an error, ensure you have entered the correct USSD code and followed the prompts accurately. If the issue persists, contact Ecobank customer support for assistance.


In conclusion, Ecobank USSD codes offer customers a convenient and efficient way to access banking services directly from their mobile phones. 

With a wide range of services available, from funds transfers to airtime purchases, USSD banking provides flexibility and accessibility to Ecobank account holders. 

The secure and user-friendly nature of USSD transactions ensures peace of mind for customers, while nominal fees, if any, make it a cost-effective banking solution. 

Whether for basic balance inquiries or more complex transactions, Ecobank USSD codes empower customers to manage their finances conveniently, anytime and anywhere.

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Oluwatobi Olowe
Oluwatobi Olowe

Tobi Olowe has over 3 years of experience as a content writer specializing in Tech discoveries, site optimization, building content that rank well and boosting overall site performance.

Articles: 71

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