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Zenith Bank USSD Code for Airtime, Transfer, & Mobile Banking

By Oluchukwu Ikemefuna

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A busy life will most times make it a hassle to manage one’s finances. But what if you could get your account balance on your phone screen, top your phone up with airtime, or even transfer money to another person just as comfortably as you sit on your couch? That is precisely what is obtainable by the Zenith Bank USSD code:

This redefines the banking experience in the country. Through this new feature that is more popularly known as the Zenith USSD, you are in a position to do away without depending on the internet and carry out a whole array of banking activities right from your mobile phone.

Whether you are searching for “zenith bank USSD code”, “zenith USSD code for transfer”, “USSD code for zenith”, or any other variation to this, then this detailed article becomes your one-stop shop for mastery of USSD magic in Zenith Bank.

In this article, we shall discuss everything about the USSD code for Zenith Bank that is sure to get you from Novice to Pro in Mobile Banking:

So, ditch those long queues and welcome to the future – one of easy banking. If Zenith Bank’s USSD code is your companion, managing your finances is going to be easy, leaving you to concentrate on other vital things. Prepare to witness the power of mobile banking at its peak! 

What is Zenith Bank’s USSD Code?

USSD Code for Zenith Bank

The Zenith Bank USSD code is *966#. Developed for ease of use, the code empowers customers with the opportunity to do a variety of banking transactions on their own, right from their mobile units, without requiring an internet session.

With a dial of only *966# customers can check their account balance, effect transfers, purchase airtime, and pay bills, among other essential banking services.

It is designed to be user-friendly and secure: a customer is required to register his/her phone number with Zenith Bank, with a unique PIN for authorizing transactions.

This USSD banking solution offers accessibility and efficiency, especially for those in regions with limited access to traditional banking infrastructure or Internet services.

Read Also – Zenith Bank Loan for Salary Earners

What are the Features of Zenith Bank USSD Code?

Zenith Bank USSD code (*966#) provides a plethora of schemes to transact right from your phone. Here are a few functions broken down for you:

1. Manage Accounts

  • Account balance inquiry
  • Create a new account without using an ATM card. 

2. Transactions

  • Transfer funds to other Zenith Bank account holders
  • Buy airtime for yourself or a friend
  • Pay bills (Access the Zenith Xpress bill pay option)

3. Security

  • Block or unblock your USSD service by calling Zenith Bank.
  • ATM PIN generation for cardless withdrawal can be done in less than a minute without using your card.
  • Choose a preferred USSD account by default when making a transaction if you have multiple accounts.

4. Improved Loans

  • Access quicker loan offers that are instantly credited to your account.

5. Virtual Cards

  • Virtual cards are available in different currencies, such as Naira, Dollar, Euro, Pound
  • Perform online transactions and make POS payments and payments at ATMs displaying Mastercard or VISA logos.

These features make it possible for Zenith Bank customers to execute a plethora of banking transactions easily from the comfort of any mobile phone.

Also Read – Update on Zenith Bank Virtual Card: How to Get Yours, Features and Requirements

What is the Comprehensive List of Zenith Bank USSD Codes?

Zenith Bank USSD Code

Zenith Bank offers a variety of USSD codes to manage your account directly from your phone. Here’s a comprehensive list:

TransactionsUSSD Codes
Check Balance *966*00#
Transfer to Zenith Bank Account *966*Amount*Account Number#
Transfer to Other Banks *966*Amount*Account Number#
Airtime Top Up Self *966*Amount#
Airtime Top Up Others *966*Amount*Phone Number#
Update Details *966*BVN#
Withdrawal*966*60# > select withdrawal
Pay Bills *966# > select bill payments
Retrieve BVN *565*0#
Hotlist ATM Card*966*60# > select Hotlist card
Account Opening *966*0#
Reset Password And Pin Reset*966*60#
Deactivate USSD Code*966*20*0# 
Deactivate Account*966*911# Followed By Account No And Alert Z Mobile Number
Retrieve Card Pin *966*60# And Select Option 4
Transaction Above N100k Via USSD*966*60# And Then Select Option To Sign Indemnity
Activate Agent Banking Activities I.E Cash In And Cash Out *966*66#
Perform USSD On POS*966*000# And Enter Your POS Reference Code

How to Activate Zenith Bank USSD Code

Activation of the zenith USSD transfer code is very simple with these few steps below: 

You will need to visit any Zenith Bank branch to collect your Zenith Bank debit card; in the bank, you can request a Mastercard, verve, or Visa card. You will use the last four digits on any of those cards to activate your transfer code.

  1. Dial *966*00# On the phone number registered with your zenith account.
  2. Enter the last four digits of the 16-digit number in front of your Zenith Bank debit card.
  3. Confirm that the account details are correct.
  4. Enter a 4-digit transfer pin with (a 4-digit secret pin that you can easily remember).
  5. Confirm the 4-digit pin again
  6. When the activation is completed successfully, you will receive a confirmation SMS. 
  7. You successfully enabled Zenith Bank’s transfer code on your phone. 

Note: You can’t activate the Zenith Bank USSD service without your Zenith Bank debit card.

There are no charges to be incurred when activating the USSD code by Zenith Bank. However, after activation, every transaction made using the Zenith Bank transfer code will incur a service fee of 6.98 naira through your mobile service provider.

The Zenith Bank USSD code is very secure because every transaction needs a secret PIN of 4 digits to authorize a transaction. Keep your Zenith USSD pin safe to ensure that no one gets involved in unauthorized transactions. 

If you think your PIN may have been accessed by somebody else, you may choose either blocking your account or changing the PIN.

Read Also – Latest Update on How to Get your Zenith Bank Sort Code, Swift Code, and IBAN Code for International Transactions

Zenith Bank USSD Code Usage

The USSD code for Zenith Recharge, *966#, is handy to access all such banking needs through the mobile phone, even without the internet. To use, dial *966# from your registered mobile number. 

After dialing *966#, follow the on-screen prompts to take out a transaction, hence: check balances, load credit, transfer money, pay invoices, etc. New users should simply dial *966*00# and follow the instructions for inputting their details.

This is a safe, fast way of bringing banking to your fingertips anytime, anywhere, thereby providing all customers convenience and easy access to finance.

How to Block Zenith Bank USSD Code 

The following are the procedures for blocking the Zenith Bank USSD codes for security and deactivating the service:

  1. Dial *966# – The Zenith Bank USSD code
  2. From Settings select option 6
  3. Select option 2 to Block the Code
  4. Input USSD code
  5. Confirm block code

Blocking the USSD code is often necessary should one’s phone get lost or stolen so that the person who has the phone does not just have free access to his bank account.

Also Read – Zenith Bank’s Fintech Subsidiary Zenpay Partners AfCFTA on Innovative Trade Portal

How to Unblock Zenith Bank USSD Code 

This is how to unblock your Zenith Bank USSD code:

  1. Dial *966# on your mobile phone. It pops up the Zenith USSD menu on your mobile screen.
  2. From the available options, choose 6 to go to Settings.
  3. Choose option 3 from the settings menu for Unblock Code.
  4. Enter your Zenith Bank account number to identify yourself.
  5. Supply your debit card number with its expiration date to confirm that you are the owner of the account.
  6. Create a new USSD code that supplants the previous one blocked.
  7. Ensure that you want to be unblocked from your USSD code.

You will get an assurance message from Zenith Bank welcoming you that you have been unblocked for the USSD code.

Note: If any problem/clarification occurs, then contact Zenith Bank customer care for related assistance.

How to Upgrade My Zenith Bank Account Using USSD Code

This is how to upgrade your Zenith Bank account using the USSD code:

  1. Dial `*966#` on your mobile phone.
  1. From the menu, select the option for account services or account upgrades. The exact wording may vary.
  1. Follow the Prompts You are given a sequence of prompts in which you will need to fill in some information for instance your account number, personal information, and other data you have been asked to provide.
  1. Submit Confirm details and submit your application request.

But if the USSD code process does not refresh all your upgrade needs, you will be referred to visit the nearest branch or use the mobile banking app to follow up on the process. And even get in touch with Zenith Bank customer service for instructions specific to your case.

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

How to Pay Back Zenith Bank Loan with USSD Code

To repay a Zenith Bank debt, you can use the following USSD code: 

  1. Dial Zenith Bank USSD Code: On your mobile phone, dial `*966#`.
  1. Select Loan Repayment Option: Follow the instructions on your screen to get to the loan repayment option. Typically, this will involve choosing options that include: banking services, loans, and then loan repayment.
  1. Enter Loan Details: Provide the details, such as the loan account number or whatever is required to identify the loan.
  1. Enter Amount: Provide the amount to be repaid to the loan account.
  1. Confirm Payment: Confirm the details and approve using USSD PIN or respective security-related details.

Ensure that there are sufficient funds in the linked account to cover the repayment. In case other issues are observed, raising a call to Zenith Bank customer service itself can also be of further assistance.

How to Borrow Money from Zenith Bank with USSD Code

You can apply for a Zenith Bank loan using a USSD code under this arrangement. As long as you fulfill the application requirements, you will be able to access instant credit through the Zenith Bank loan USSD code.

The Zenith Bank loan USSD code is *966*11#. This is a special short USSD code that enables instant loans to be disbursed directly into your Zenith account using Zenith Bank.

Anyone can apply for a Zenith USSD loan, as long as the person has an active Zenith bank account.

Use the following steps to get your USSD code for your zenith bank loan:

  1. Dial *966*11# from the phone number you used to set up your Zenith bank account. 
  2. Just follow the directives on your mobile phone screen
  3. Pick the amount of the loan you would want them to pay you from Zenith Bank.

You should receive your loan immediately in your bank account once you have finished complying with the directives on your phone screen.

Also Read – How to get Access Bank loan code

What are the Advantages of Zenith Bank’s USSD Code?

Here are some of the benefits of using the Zenith Bank USSD transfer code:

  1. Convenience: The use of the Zenith Bank code simply means you can carry out all your banking transactions and activities from the comfort of your home, thus saving you from going to the bank.
  1. Accessibility: It can be accessed on any type of mobile phone and does not require the services of the internet. This provides an alternative for people who do not have smartphones or internet access to Zenith Banking services.
  1. Time-saving: USSD codes are quicker than the traditional methods of banking that involve physically visiting a bank or using an ATM. This is very convenient for carrying out transactions on the go.
  1. Security: The Zenith USSD code is safe, and every transaction requires entering a PIN to continue execution hence keeping the user’s account from being accessed by an unwanted person.

What are the Security Measures for Zenith Bank USSD Code?

For the security of your transactions on Zenith Bank USSD transfer code, it is fundamental that one adheres to strict security measures commencing with guarding its unique transaction PIN. 

The security feature ascertained by the PIN authentication by Zenith Bank makes it impossible for an unwanted person to get access to your account and conduct transactions on the USSD code.

It’s highly recommended you don’t disclose your PIN to anybody to keep your banking transactions secure. Security is uppermost in their consideration for its customers at Zenith Bank, and the same constantly undergoes updates on security measures that would completely avoid fraud and access to accounts without permission.

If you suspect any Transactions or have issues with security while using the USSD, please do well to contact the customer service of Zenith Bank through the Bank Helplines for an immediate fix of the issues. 

In all of these, you must be very vigilant to ensure that your unique Transaction PIN is not compromised to prevent unauthorized transactions by habitual persons and for the security of your account.

Read Also – Code to Liquidate GTBank Quick Credit Loan in Nigeria

Common Issues and Solutions to Zenith Bank USSD Code

Here are some usual challenges that you may be facing in using the Zenith Bank USSD codes and how to fix them:

1. Network Issues

  • Issue: The inability of USSD transactions largely goes because of bad network connectivity.
  • Solution: Try entering your USSD code in a good network zone. Otherwise, turn off and on your phone again. 

2. Bank Server Downtime

  • Issue: It may be the case that during peak time transactions or routine maintenance, the bank’s website is experiencing high traffic and may be down ZENITH Bank Servers USSD transaction – even rejecting.
  • Solution: If you think it is a downtime, then look on Zenith Bank’s social media pages for any updates. Then try again later with the USSD code. 

3. Wrong USSD Code 

  • Issue: It can be that the USSD code for fund transfer is correctly typed, but it might be the USSD outdated code. Similarly, there is even a single typo in the USSD code, all possibilities of USSD transaction failure.
  • Solution: Your USSD code is most likely incorrect. Make sure that it corresponds to the exact transaction you are trying to carry out. Check the latest USSD codes from the bank’s website or mobile app.

4. Phone Number Not Linked to Account

  • Issue: You are using USSD codes on a phone number that is not registered/enrolled for USSD transactions with Zenith Bank.
  • Solution: You can link your telephone number with your account by visiting a Zenith Bank branch or by calling their customer care.

5. Account Issues

  • Issue: Sometimes, problems with your account itself, such as a low account balance or your account being frozen, can be the reason for failure in USSD transactions.
  • Solution: Check your account balance using the USSD code or mobile app to ensure you have enough funds for the transaction. If your account is frozen, you should contact Zenith Bank customer care to resolve the cause.

Should none of these work, probably you should contact Zenith Bank customer care. Here are some Zenith Bank customer care options:

  • Phone: Dial any of 234-1-2787000, 
  • Visit a Zenith Bank branch

Final Thoughts 

The Zenith Bank USSD code changes the game when it comes to having banking done quickly and hassle-free. Purchase airtime, transfer money, or do whatever else you need to do with your accounts facilitated by the appropriate Zenith USSD code that appears to make things simple.  

Just dial *966# and you are in the Alice kind of wonder world regarding convenience for banking. No need to access the internet or even to have a smartphone. 

A simple mobile phone will suffice. Enjoy the benefits of convenient banking on the go thanks to the USSD services of Zenith Bank.

We would love to hear from you. Please drop your comments and follow us on our social media handles: on Facebook at Silicon Africa, on Instagram at Siliconafricatech, and Twitter at @siliconafritech.


How can I check my Zenith bank account balance via USSD? 

Dial *966*00# for your account balance.

How do I recharge my airtime using Zenith Bank USSD?

You can load or top up your airtime by dialing *966*amount#.  To recharge another’s air time, dial *966*amount*mobile no#.

How do I transfer funds using Zenith Bank USSD? 

Dial *966*amount*account number# (e.g. *966*1000*1234567890#) from the mobile phone number registered with your Zenith Bank account.

Is there a daily limit for USSD transactions?

Yes, there is a daily limit on USSD transactions. You can increase your daily transaction limit by dialing *966*60# and selecting the appropriate option.

Can I do agent banking activities using Zenith Bank USSD? 

Yes, you can activate agent banking activities by dialing Type *966*66#.



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Onyinyechi Ikemefuna
Onyinyechi Ikemefuna

Ikemefuna Onyinyechi Patience, a skilled Content Writer hailing from Anambra State Nigeria, holds a Higher National Degree in microbiology from Federal Polytechnic Oko, Anambra. Armed with robust research and SEO expertise, she excels in crafting articles spanning technology, finance, healthcare, education, and lifestyle. Her work stands out for its ability to authentically inspire and engage while inciting action. Beyond her writing prowess, Ikemefuna finds joy in reading, exploring movies, and delving into continuous research, contributing to her growth as a proficient writer.

Articles: 151

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