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USSD codes for GTB, FCMB, UBA, Access and Fidelity Bank

By Oluchukwu Ikemefuna

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USSD bank code, also known as the Unstructured Service Data bank code, is a code that is automated into your cell phone to be able to perform certain financial actions without the use of the internet.

The USSD banking process has been present since the early 1990s, and it has played a huge role in the cashless policy introduced by the Central Bank of Nigeria in 2012. However, some people find it challenging to navigate the USSD banking systems with some banks, or they are not even aware of the different USSD bank codes.

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That is why we have come up with this article to enlighten you about the different USSD codes at some banks.

Therefore, here are in-depth details about the USSD codes for five of the pioneering money houses in Nigeria:

USSD Codes for GTBank – Guaranty Trust Bank

Firstly, GTB, which is also known as Guaranty Trust Bank, has 737 as its USSD code. According to the bank, 737 is simple banking for every Nigerian that enables you to open an account, transfer funds, pay bills, buy airtime or data, and access their in-branch services right from your mobile phone. 

Importantly, the phone number you use for the USSD transactions must be registered with GTBank; otherwise, the transactions will not be successful. The USSD code for GTB can be used for numerous purposes, which include:

  • Account Opening: Open a GTB account without a trip to the bank by dialing *737*0# and following the prompts.
  • Account Reactivation: You can also reactivate your GTB account by simply dialing *737*11#, entering your bank verification number, and then following the prompts on your phone.
  • Transfer of funds to same account: You can transfer funds from your account to another GTBank account by dialing *737*1*Amount*NUBAN Account Number#, for instance, *737*1*3000*000111222333# then proceed to follow the instructions on your screen.
  • Also, you can use the GTB USSD code to transfer funds to other bank accounts, but the process is a little bit different from the first as you will dial *737*2*Amount*NUBAN Account Number#, for instance *737*2*3000*000111222333#. 

Airtime and Data Top-Up Code:

  • To purchase airtime for yourself, you can simply use the GTBank USSD code *737*amount# on your phone.
  • You can purchase airtime for your friends and loved ones by dialing the USSD code *737*Amount*Recipient’s number#, for instance *737*5000*08123456700#.
  • To purchase data for yourself or loved ones, you can simply dial *737*4# 
  • Account Details: With the GTBank USSD code, you can also check your account details, like your account number, account balance, or even your BVN. All you have to do is simply dial *737*6*1# and follow the prompts on your screen.
  • With the code *737*5# you can generate a transaction pin known to you alone to make your banking more secure.
  • You can also make payments at any TOTAL service station with the GTBank USSD code by simply dialing *737*50*Amount*50# and following the prompts.
  • Furthermore, OTP code generation has been made seamless with the GTBank USSD code, as you can dial *737*7# to use one without having to generate a token.

Overall, there are many other seamless activities you can carry out with the GTBank USSD code such as bill payments, salary advance, airtime advance, and fast-track deposits among others. You can check out their website here for more information on the USSD codes

USSD Codes for FCMB—First City Monumental Bank

FCMB strongly asserts that you can take charge of your finances by simply utilizing their USSD code, which is *329# to perform all banking transactions on-the-go even with no data.

Most importantly, before you carry out any transaction, your phone number must be registered with the bank and you have to generate a transaction code to run a more secure banking system with the code *329*0#

Here are some activities you can carry out with the FCMB USSD Code:

  • You can recharge your mobile phone by dialing *329*Amount#.
  • Also, for topping up other mobile phones, dial *329*Amount*Mobile number#, or transfer funds by dialing *329*Amount*Account number#. 
  • Next, you can reset your PIN or create a new transaction code by dialing *329*0#, then purchase data on any phone by dialing *329*1*Mobile Number#.
  • Additionally, for self-service options, including blocking your debit card, dial *329# and select the appropriate option. 
  • You can also choose your preferred internet service provider by dialing *329*Account/CustomerID# and making a selection. 
  • To check your balance, simply dial *329*00#. 
  • You can block your account by choosing ‘block account’ under self-service, or link your BVN by selecting ‘link BVN’.

Ultimately, there are numerous banking or financial activities you can carry out with the USSD code. You can check out the bank page here to find out more activities to carry out with the code.

USSD Codes for UBAUnion Bank of Africa

For UBA, its USSD code *919# is one with which you can experience the magic of banking anywhere and anytime.

Here are some bank or financial activities you can carry out with the UBA USSD code:

Funds Transfer:

  • Firstly, to send money to a UBA account, all you have to do is simply dial *919*3*account number*amount# and follow the prompts on your screen. As usual, you can only carry out these activities from a phone number you registered with the bank. 
  • Also, to send money to another bank, dial *919*4*account number*amount# and follow the prompts on your screen.
  • Then, if you want to send money to microfinance banks or fintechs, you will have to dial *919*6#.

Airtime and Data Recharge

  • To top up your phone with airtime, you can simply dial *919*amount# on your phone with *919*14# as the code for data top-up for yourself.
  • Also, dial *919*Phone Number* Amount# for airtime recharge for family and friends, with *919*14*Phone Number# as the UBA USSD data top-up code for family and friends.
  • Flight procedures have become easier with UBA as their USSD Code also gives access to the flight process; all you have to do is dial *919*12# for your flight payments.
  • Curious about how much is left in your account? You can simply dial the USSD code *919*00# to find out.

Ultimately, for other bank transactions with the USSD code, you can check them out here on UBA’s page.

USSD Codes for Access Bank

For Access Bank, the USSD code *901# makes banking easy without the internet. Here are some activities and transactions you can carry out with the USSD Code:

  • Simply dial *901*0# to open a new Access bank account number, change your transaction code, or do other bank activities.

Airtime Purchase:

  • To buy airtime for yourself, dial the USSD code *901*Amount# on your phone and follow the prompts. You can also purchase airtime for others by dialing *901*Amount*Phone Number#, then follow the prompts.

Financial Transaction:

  • You can carry out financial transactions to your bank on your phone by simply dialling the USSD code *901*Amount*NUBAN Account Number#, for instance, dial *901*1000*1234512345# and follow the cues on your phone.
  • To carry out financial transactions to other banks, dial *901*Amount*NUBAN Account Number#, for instance, dial *901*1000*1234512345# from your phone.

Account Balance Enquiry:

Simply Dial *901*00# then follow the on-screen prompts to check your account balance details.

Account Deactivation:

  • To deactivate your account,  dial *901*911# and follow the prompts on your screen.

Overall, to check out other Access bank USSD codes, you can click on this.

USSD Codes for Fidelity Bank

Fidelity Bank has its USSD bank code as *770#. According to them, their code will enable you to bank on-the-go without barriers from your home. It is the code you should never forget, and here are some activities you can carry out with the Fidelity Bank USSD code:

Account Opening:

  • To open an account with Fidelity Bank, just dial the code *770*01# then follow the on-screen prompts.

AirTime Recharge:

  • Dial *770*Amount# to recharge your phone, then *770*Phone Number*Amount# to recharge for family and friends.

Transfer Funds:

  • You can dial *770*Account Number*Amount# and follow the prompts on your screen to transfer funds.
  • You can make a cardless withdrawal without the bank by dialling *770*8*Amount# then follow the prompts.

Bills Payment:

  • You can pay your bills from your phone without internet by dialling *770*Code*Smart Card Number*Amount#.

Ultimately, you can check the bank’s page here for different codes for bill payment and also check out other services connected to the USSD Bank code.


The use of USSD bank codes have undoubtedly revolutionized the activities of financial transactions, making it easy and accessible to people.

These codes have shown that whether it’s transferring funds, paying bills, recharging phones with airtime, opening bank accounts, these user-friendly activities have shown the Nigerian financial sector’s commitment towards inclusivity, growth and a more efficient banking system.


1. Are USSD Bank transactions secure?

Yes, they are very secure, as bank implement security measures to protect user details.

2. What if I encounter issues with a USSD transactions?

You should contact your bank’s customer service and they will assist you immediately.

3. Can I use USSD Bank codes for International Transactions?

No you cannot, for the codes are designed to work within Nigeria.

4. Can I use USSD bank codes on any bank codes?

Yes, you can use the codes on any phone.


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Peremoboere Numa
Peremoboere Numa

Pere is a versatile SEO writer with a Master's degree in English, who is dedicated to creating engaging and impactful content.

She excels in weaving content that not only informs, enlightens and impacts but but also optimize its online presence to rank on major web sites.

Pere brings a unique blend of linguistic proficiency and SEO knowledge, ensuring that each piece she crafts leave a lasting impact.

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