Loading your mobile phones with data and airtime has gotten easier since banks introduced their own shortcodes such that even without the internet you are never stocked. It was GTbank’s 737 shortcode that was first introduced some years back and it became widely accepted due to its wide acceptance. Many who became sceptical at first are now using the shortcode to load airtimes and data directly from their banks as GTbank keeps on improving the security of the system.

Many banks including FirstBank has introduced instant airtime top-up service which allows you to top up your phone with any amount with just a shortcode. This way, you do not have to load 16digits pins from the paper before you are able to recharge your phone. You must, however, be careful so scammers won’t use these codes against you in cases of phone theft.

To use this service, your phone no. must be linked to your bank accounts for things to work.

The list below compiles the shortcodes for all Nigerian bank. It introduces you to how to load your airtime or recharge your phone using shortcodes.

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Bank shortcodes

How to buy airtime,data or transfer money using your phone from your First Bank Account – General Shortcode USSD is *894#

  • To recharge your phone from your Firstbank account, dial *894*AMOUNT#
  • To buy data on your phone from your FirstBankbank account, dial *894# and follow the prompt
  • To transfer cash using your phone from your Firstbank account, dial *894# and follow the prompt

How to buy airtime,data or transfer money using your phone from your GTBank Account – General Shortcode USSD is *737#

  • To recharge your phone from your GTBank account, dial *737*AMOUNT#
  • To buy data on your phone from your GTBank account, dial *737# and follow the prompt
  • To transfer cash using your phone from your GTBank account,  dial *737*1*AMOUNT*ACC NO#(GTB to GTB)  to transfer from GTbank to other banks dial *737*2*AMOUNT*ACC NO#(GTB to others)  

How to buy airtime,data or transfer money using your phone from your Fidelity Bank Account – General Shortcode USSD is *770#

  • To recharge your phone from your Fidelity Bank account, dial *770*AMOUNT#
  • To buy data on your phone from your Fidelity Bank account, dial *770# and follow the prompt
  • To transfer cash using your phone from your Fidelity Bank account,  dial *770*ACC NO*AMOUNT#

How to buy airtime,data or transfer money using your phone from your Wema Bank Account – General Shortcode USSD is *945#

  • To recharge your phone from your Wema Bank account, dial *945*AMOUNT#
  • To buy data on your phone from your Wema Bank account, dial *945# and follow the prompt
  • To transfer cash using your phone from your Wema Bank account,  dial *945*ACC NO*AMOUNT#

How to buy airtime,data or transfer money using your phone from your Ecobank Bank Account – General Shortcode USSD is *945#

  • To recharge your phone from your Ecobank Bank account, dial *326*AMOUNT#
  • To buy data on your phone from your Ecobank Bank account, dial *326# and follow the prompt
  • To transfer cash using your phone from your Ecobank Bank account,  dial *326*ACC NO*AMOUNT#

How to buy airtime,data or transfer money using your phone from your Zenith Bank Account – General Shortcode USSD is *945#

  • To recharge your phone from your Zenith Bank account, dial *966*AMOUNT*PHONE NO#
  • To buy data on your phone from your Zenith Bank account, dial *966# and follow the prompt
  • To transfer cash using your phone from your Zenith Bank account,  dial *966*AMOUNT*ACC NO#
  • To check your Zenith Bank Acc balance dial *966*00#

How to buy airtime,data or transfer money using your phone from your Access Bank Account – General Shortcode USSD is *901#

  • To recharge your phone from your Access Bank account, dial *901*AMOUNT*PHONE NO#
  • To buy data on your phone from your Access Bank account, dial *901# and follow the prompt
  • To transfer cash using your phone from your Access Bank account,  dial *901*1*AMOUNT*ACC NO#
  • To check your Access Bank Acc balance dial *901# and follow the prompt

How to buy airtime,data or transfer money using your phone from your Unity Bank Account – General Shortcode USSD is *901#

  • To recharge your phone from your Unity Bank account, dial  *389*215#
  • To buy data on your phone from your Unity Bank account, dial  *389*215#
  • To transfer cash using your phone from your Unity Bank account,  dial  *389*215#
  • To check your Unity Bank Acc balance dial  *389*215# and follow the prompt

How to buy airtime,data or transfer money using your phone from your UBA Bank Account – General Shortcode USSD is *919#

  • To recharge your phone from your UBA Bank account, dial *919*AMOUNT#
  • To buy data on your phone from your UBA Bank account, dial *919# and follow the prompt
  • To transfer cash using your phone from your UBA Bank account,  dial *919#
  • To check your UBA Bank Acc balance dial *919# and follow the prompt

How to buy airtime,data or transfer money using your phone from your Skye Bank Account – General Shortcode USSD is *833#

  • To recharge your phone from your Skye Bank account, dial *833#
  • To buy data on your phone from your Skye Bank account, dial *833# and follow the prompt
  • To transfer cash using your phone from your Skye Bank account,  dial *833#
  • To check your Skye Bank Acc balance dial *833# and follow the prompt

How to buy airtime,data or transfer money using your phone from your Sterling Bank Account – General Shortcode USSD is *822#

  • To recharge your phone from your Sterling Bank account, dial *822#
  • To buy data on your phone from your Sterling Bank account, dial *822# and follow the prompt
  • To transfer cash using your phone from your Sterling Bank account,  dial *822#
  • To check your Sterling Bank Acc balance dial *822# and follow the prompt

How to buy airtime,data or transfer money using your phone from your Heritage Bank Account – General Shortcode USSD is **322*030#

  • To recharge your phone from your Heritage Bank account, dial *322*030*AMOUNT#
  • To buy data on your phone from your Heritage Bank account, dial *322*030# and follow the prompt
  • To transfer cash using your phone from your Heritage Bank account,  dial *322*030*ACC NO*AMOUNT#
  • To check your Heritage Bank Acc balance dial *322*030* and follow the prompt
  • To make Bill Payment – *322*030*BILLER ID *AMOUNT#, for example, to pay for LCC Dial *322*030*1066*AMOUNT#

How to buy airtime,data or transfer money using your phone from your Heritage Bank Account – General Shortcode USSD is *822#

  • To recharge your phone from your Heritage Bank account, dial *322*030*AMOUNT#
  • To buy data on your phone from your Heritage Bank account, dial *322*030# and follow the prompt
  • To transfer cash using your phone from your Heritage Bank account,  dial *322*030*ACC NO*AMOUNT#
  • To check your Heritage Bank Acc balance dial *322*030* and follow the prompt
  • To make Bill Payment – *322*030*BILLER ID *AMOUNT#, for example, to pay for LCC Dial *322*030*1066*AMOUNT#

How to buy airtime,data or transfer money using your phone from your Keystone Bank Account – General Shortcode USSD is *322*082# (MTN, AIRTEL & ETISALAT) or *805*082# (GLO only) 

1. Select the Keystone Bank
2. Enter NUBAN Account Number
3. Enter any 4 digit number you can remember as the m-Pin
4. Confirm m-Pin

Customers will need to visit any Keystone Bank branch for full/transfer access.

How to buy airtime,data or transfer money using your phone from your Union Bank Account – General Shortcode USSD is *826# 

Dial *389*038# or *826# on your mobile phone. Follow the on-screen command and start using Union bank mobile USSD banking.You can check Your Account Balance By texting Bal to 20123 from The Phone Number registered to your Bank Account

How to buy airtime,data or transfer money using your phone from your Stanbic Bank Account – General Shortcode USSD is *909# 

If you have not used the service before you will be prompted to set transaction pin in the first instance.

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Bank shortcodes

Bank shortcodes

Comment below if you need further assistance using any of this codes. Also keep your phones away fro third parties who might want to use these shortcodes against you.

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