Latest USSD Codes for GTBANK, UBA, FCMB, and Fidelity Bank

Banking has passed the days of physically going to the banks and spending endless hours in the queue. With just a simple code on your mobile phone, you can do all that with so much ease.

If you are a customer of UBA, you quite probably know the UBA transfer code as a simple, dependable way of transferring funds from one account to another.

But it’s not just UBA; several other banks in Nigeria have adopted the same technology and offer USSd codes, which you can use to conduct most of your banking activities directly from your mobile device.

For instance, the UBA USSD code is not only used for transfers, but it can also be used to check your account balance, buy airtime, or even pay most of your bills.

Similarly, USSD code for GTBank is perfect banking experience for you, whereby you will have the ability to perform any kind of transaction at your convenience without an internet connection.

Another power tool is the FCMB USSD code. This is mainly for people who like to bank on the go. Thereafter, the USSD code for Fidelity Bank is where banking comes literally to your fingertips, easing access to your account for transactions.

These are fast and safe ways to handle your money from anywhere, at any time, whether you want to transfer funds, pay bills, or just know your account balance.

In this post, we will share with you the new USSD codes for GTBank, UBA, FCMB, and Fidelity Bank and how to use them to your best advantage.

What are USSD Codes

USSD codes, otherwise known to a few as Unstructured Supplementary Service Data codes, are shortcodes dialed from a mobile phone to interact with a mobile network operator’s services. 

Normally, such codes will start with an asterisk (*) and end with a hash (#); they grant the subscriber access to several services without an internet or smartphone requirement.

USSD codes are normally used for account balance queries, money transfers, airtime recharge, and subscriptions, among others.

For example, in banking, one would have to dial the bank’s USSD code to plug into their mobile banking services for such functions as money transfer or even to check one’s account balance.

USSD codes work on all forms of phones, hence working in countries where internet penetration is low, therefore a very vital tool in accessing services on the go.

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

What is the Latest UBA USSD Code? 

The new UBA USSD code is *919#. This code will let you perform any of your banking transactions directly on your smartphone or feature device.

With the UBA transfer code, you can bank anywhere and at any time. Be it that you are a very busy professional, entrepreneur, or just an individual on the move, this service is tailored to make things easier for you.

From basic account inquiries to complex financial operations, the UBA USSD code has you fully covered.

Some of the things one can do with the UBA transfer code include the following:

1. Check account balance: *919*00#
2. Airtime self: *919*Amount#
3. Buy airtime for others: *919*Phone number*Amount#
4. Transfer to UBA: *919*3*account number*Amount#
5. Transfer to other banks: *919*4*account number*Amount#
6. Pay bills: *919*5#
7. Block debit card: *919*10#
8. Freeze online transactions: *919*9#
9. Retrieve BVN: *919*18#
10. ATM cardless withdrawal: *919*30*Amount#

The Latest USSD Code for GTBank

One of the best banks in Nigeria, GTBANK, caters to running many bank transactions through the ease of a mobile phone. The USSD code for GTBANK is *737#.

This is an extremely user-friendly and novel way to access all services related to one’s bank balance or other bank activities without an internet connection.

You can do so many transactions on GTBANK with this USSD code, right from the most basic account inquiries to the most complicated financial operations.

This service is available 24 hours a day, thus assuring you of banking at your convenience. Be it any busy professional or person on the move, the USSD code for GTBANK has got your back.

Below are some of the transactions you can do on your accounts using the GTBANK USSD code:

1. Check Account Balance: *737*6*1#
2. Transfer to GTB: *737*1*Amount*Account Number#. 
3. Transfer to other banks: *737*2*Amount*Account Number#. 
4. Buying of airtime for self: *737*Amount#. 
5. Buying of airtime for others: *737*Amount*Phone Number#. 
6. Payment of bills: *737*37*Amount*Smartcard Number#. Withdrawal without card: *737*3*Amount#

Also Read – Kuda USSD Code for Airtime, Transfer, & Mobile Banking

The Latest FCMB USSD Code 

The latest FCMB USSD code is *329#. With this single code, you can execute a good number of banking transactions on your smartphone or even a feature device without an internet connection.

You can bank wherever and anywhere you want with the FCMB USSD code. It is a service designed for busy professionals, entrepreneurs, and people who are always on the move. 

It can be used to perform simple queries on your account and execute sophisticated financial activities. Below are some of the things that you can do with the FCMB USSD code:

1. Open Account: *329#
2. Check Account Balance: *329*00#
3. Top Up Self: *329*Amount#
4. Top Up for Others: *329*Amount*Phone number#
5. Transfer to FCMB/Other Banks: *329*Amount*Account number#
6. Block ATM Card: *329# > Self Service
7. Buy Data: *329*1*Phone Number#
8. BVN Display: *565*0#
9. Electricity Bill: *329*3*Amount_AccountID#
10. Pay Cable Bill: *329*2*Amount*Smartcard Number#
11. Account Statement: *329# > Statement

The Latest USSD Code for Fidelity Bank 

One of the most innovative ways of conducting a good number of banking transactions in Nigeria is by using a mobile phone. The latest USSD code for Fidelity Bank is *770#.

With Fidelity Bank USSD, you will be free to bank anywhere and at any time. Be it that you are a busy professional, an entrepreneur, or an on-the-move individual, this service is tailor-made to make your life much easier.

When it comes to intricate financial transactions or basic account inquiries, the Fidelity Bank USSD code has you covered.

Some of these things you can perform on the Fidelity Bank USSD code are: 

1. Account Balance: *770*0#
2. Fund Transfer Fidelity/other banks: 770*Account Number*Amount#
3. Top up Airtime – Self: *770*Amount#
4. Top up Airtime – Others: *770*Phone Number*Amount#
5. Cardless withdrawal: *770*8*Amount#
6. Pay Bills: *770*Biller Code*Amount#
7. BVN Retrieval: *770*5#
8. ATM card hotlist: *770*911#
9. Open Account: *770*01#
10. Deactivate USSD: *770*911*Phone Number#

Read Also – Union Bank USSD Code for Airtime, Transfer, & Mobile Banking

Benefits of Using USSD Codes for Banking

USSD (Unstructured Supplementary Service Data) codes have innovated banking, mostly within areas where there is a definite shortage of internet coverage.

Among the principal advantages of using the UBA transfer code, USSD code for GTBank, FCMB USSD code and USSD code for Fidelity Bank are:

1. Accessibility

USSD works on basic feature phones; hence, it reaches the larger population, even those living in rural or underserved areas where internet connectivity can be low.

This wide reach allows users to access banking services even in areas where banking infrastructure is poor.

2. Convenience

Simple prompts can execute USSD transactions at a very fast pace, hence saving the user’s time and effort.

Banking services are available anywhere, anytime, hence the user can manage their finance at their convenience.

Besides basic transactions, several other services can be offered under the USSD menu, hence making it a single-window solution for all the user’s financial needs.

3. Security

Most of the banks employ high-security measures to protect their customers’ data from unauthorized parties.

USSD transactions also minimize the exposure of sensitive information data leakage and cyber attacks.

4. Cost-effective

USSD transactions are most times less expensive in contrast to traditional forms of banking. The cost for users is generally low. By cutting down on operational costs, banks deflect part of their infrastructure and personnel costs to the customer in terms of charges.

5. Financial Inclusion

By giving the unbanked access to financial services, USSD fosters financial inclusion and economic empowerment.

Through the facilitation of financial inclusion, USSD can increase economic activity and access to credit that helps users build credit histories to get loans and access other financial services.

USSD codes provide an easy, secure, and inclusive way to manage finances, mostly where there is a lack of adequate digital infrastructure.

Read Also – PalmPay USSD Code for Airtime, Transfer, & Mobile Banking

Security Tips for Using USSD Codes

USSD codes are very convenient but can be dangerous if not used properly. Here are the basic tips that will keep you safe:

1. Be private with your PIN. 

Never disclose your USSD PIN to anyone, whether friends, relations, or even bank staff. Consider it as though you are dealing with an ATM PIN.

Beware of fraudsters who may masquerade as bank employees just to elicit your PIN from you. Recall that your bank will never demand a PIN through the telephone, e-mail, or text message.

2. Beware of phishing emails

The scammers may send fake USSD codes or messages; this shall require you to respond with your PIN or details of your account.

Verify the authenticity before starting to respond to such messages. Look out for misspelled words, cliched greetings, shady websites, and codes. If you are unsure, get in touch with your bank.

3. Use two-factor authentication.

Enable 2FA on your USSD transactions to add an added layer of security so that even when an individual has your PIN, he/she can’t perform the transaction without the 2FA code.

4. Monitor account activities:

Check your account statements and transaction history regularly for suspicious activities. As soon as you become aware of any fraudulent transactions, notify your bank. Setting up transaction alerts can also notify you if any activity occurs on your account.

5. Avoid using public phones

Do not log into USSD services using public phones or devices. Keyloggers and spyware on these devices have the potential to steal your data. Preferably use your phone or device to protect yourself from fraudulent transactions.

6. Delete USSD transaction messages

Whenever you have done any USSD transaction, always delete the message from your phone. This is because if any unauthorized person gets access to your phone, he can go to your transaction history and know about your account information.

These rules, when kept in mind, can reduce the risk of falling into the trap laid by USSD-based fraudsters to a very minimal extent.

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

Troubleshooting USSD Code Issues

USSD codes are short, swift, and an easy way to get things done with your mobile network operator. However, UBA transfer codes, USSD code for GTBank, FCMB USSD code, and USSD code for Fidelity Bank could often get very frustrating when they malfunction. The following list of typical problems and their fixes is: 

1. USSD code not working

• Try again after checking the signal strength on your phone.
• Make sure you have sufficient data balance or airtime. 
• Check if the USSD code is correct before trying to re-input it.

2. The USSD transaction fails

• Check your available balance.
• Verify the recipient’s account details are accurate. 
• Reinitialize the transaction.

3. Unable to reset USSD PIN

• Check-in your phone message inbox for the reset code
• Be sure to input the reset code and new pin correctly.
• If the issue still exists, get in touch with your bank’s customer service.

4. USSD session timeout

• Try to reinitiate the USSD session.
• Check your signal strength and give it another go. 
• Lessen time taken for completing transactions.

5. USSD code not registered

• Register for USSD services using the registration code
• Contact customer support of your bank for further help.

6. USSD transaction limit exceeded

• Check your daily transaction limit
• Contact customer support of your bank to increase limits.
• In case of further problems or assistance, contact the customer helpline of your bank.

Final Thoughts 

Knowing the latest USSD codes for GTBank, UBA, FCMB, and Fidelity Bank will most definitely make your banking life easier, be it money transfer, account balance inquiry, or bill payments.

Using the UBA transfer code, the UBA USSD code, the USSD code for GTBank, the FCMB USSD code, and the USSD code for Fidelity Bank, you can access all of these services at the tap of your fingers on your phone, no internet required.

If this article was helpful, please comment and like, then Follow us on Social Media: Facebook  Silicon Africa, Instagram Siliconafricatech, Twitter: @siliconafritech

Frequently Asked Questions 

Reference

• www.legit.ng – Full List of All Banks USSD Code for Electronic Transaction As CBN’s Cashless Policy Starts Fully Jan 9, 2023 
• www.myjobmag.com – Nigerian Banks CORRECT USSD Codes for Mobile Phone Money Transfer

Recommendations

• Smart Cash USSD Code for Airtime, Transfer, & Mobile Banking
• Providus Bank USSD Code for Airtime, Transfer, & Mobile Banking
• NIN USSD Code: How to Check Your NIN Using USSD Codes and Online
• Moniepoint USSD Code for Airtime, Transfer, & Mobile Banking
• GoTV USSD Code: How To Pay GoTV Subscription Using USSD