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Wema Bank Transfer Code: How to Activate and Other Important USSD Codes

By Oluchukwu Ikemefuna

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“How do you activate the Wema Bank Transfer Code?” you ask?

Upon visiting Wema Bank’s website, you are greeted with a reassuring message that instills confidence in accessing comprehensive banking services. The message, “With you. All the way…”, sets the tone for a seamless banking experience.

Established in 1945, Wema Bank stands as a prominent financial institution in Nigeria, boasting a rich history of catering to individuals’ financial needs. Additionally, with the advent of modern banking technology, customers can now leverage Wema Bank’s transfer codes to conduct transactions conveniently without the need for physical visits to the bank.

Introduction to Wema Bank

Wema Bank, a premier financial institution in Nigeria, provides a diverse array of services to its valued customers. Moreover, utilizing the transfer codes grants you effortless access to a plethora of services without the necessity of visiting a physical branch.

These services, accessible via USSD code, encompass transferring funds, checking account balances, purchasing mobile airtime, and a host of other functionalities.

Wema Bank Transfer Code

The Wema Bank transfer code is *945#, which facilitates seamless money transfers between Wema accounts or accounts at other Nigerian banks. Authentication of transactions is required through your four-digit PIN for security purposes.

Wema bank transfer code

To initiate a transfer within Wema Bank or to another bank, simply dial *945*Account Number*Amount# on your phone. For instance, if you wish to transfer N5,000 to your friend’s Wema account with the number 0012345678900, you would dial *945*0012345678900*5,000#.

Also read: Polaris USSD Code for Transfer and Account Opening

How to Activate Wema Bank Transfer Code

To activate the Wema Bank transfer code (*945#), ensure that your phone number is linked to your Wema Bank account, and then follow these steps:

  1. Dial *945*5# on your phone.
  2. Follow the on-screen instructions provided for activation.
  3. Input the required information, which typically includes:
  • Your Wema Bank account number.
  • Your date of birth.
  • Choose a 4-digit PIN for future USSD transactions.
  • Confirm your chosen PIN.

Once you have completed these steps, your Wema Bank transfer code will be successfully activated. You can then use *945# to perform various transactions, including transfers to other accounts.

Other Wema Bank USSD Codes

Once you have successfully registered and activated the Wema Bank transfer code (*945#), you gain access to a variety of banking services through USSD codes. Here’s a list of useful Wema Bank USSD codes and the corresponding services they offer:

ServiceUSSD Code
Internet Service Codes*945*15#
945 Loans*945*65#
Quick Loan*945*65#
Salary-Base Loan*945*65#
Schools and Exams CodesWAEC (result checking): *945*70#
JAMB (result checking): *945*71#
State CollectionsLagos state collection: *945*40#

This table summarizes the various services and their corresponding USSD codes that you can utilize after activating the transfer code (*945#).

Also read: Stanbic USSD Code: How to Activate and Make use of it.


  1. What is the Wema Bank transfer code?
  • The transfer code is *945#, which allows customers to perform various banking transactions conveniently using their mobile phones.
  1. How do I activate the Wema Bank transfer code?
  • To activate it, you need to dial *945*5# on your phone and follow the on-screen instructions, including providing your account number, date of birth, and choosing a 4-digit PIN for transactions.
  1. What services can I access using the Wema Bank transfer code?
  • With the transfer code, you can access services such as fund transfers, account balance inquiries, airtime purchase, loan requests, and more.
  1. Are there specific USSD codes for other services apart from transfers?
  • Yes, apart from the transfer code (*945#), Wema Bank provides specific USSD codes for services like Mcash, Coralpay, internet services, loans, schools and exams codes, and state collections.
  1. Is the transfer code secure for transactions?
  • Yes, it is secure for transactions as it requires authentication using a 4-digit PIN, ensuring the safety and security of your banking activities.


In conclusion, Wema Bank’s *945# code transforms banking, offering secure mobile transactions. Easy activation, diverse services via USSD, accessible to all. Transfer funds, check balances, buy airtime, and get loans effortlessly. Their tech-driven approach caters to modern Nigerian banking needs. All of these without needing to connect to the internet.

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Christian Maximilian
Christian Maximilian

I am a Software Engineer, technical writer, and overall tech enthusiast. For me, utilizing my skills as a Software Engineer to perform Technical Search Engine Optimization is not just a job, but something I gladly incorporate into my pastimes as well, and I have been doing this for over 3 years.

When I'm not coding or writing technical documentation, I enjoy listening to music and exploring new genres.

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