Need a bank code for a transfer form, payroll sheet or payment app — or the USSD code to send money without data? Here are the codes for every major Nigerian bank and the popular money apps, plus how to use them safely.
🔢 Two kinds of “bank code”
🏷️
CBN / NIBSS bank code
A short number that identifies the bank (e.g. 058 for GTBank). Used on transfer forms, payroll files, payment gateways and some apps.
For forms & apps📞
USSD code
A short code you dial on any phone (e.g. *737#) to transfer, buy airtime or check your balance — no internet needed.
For your phone🏦 Bank codes and USSD codes for commercial banks
| Bank | Bank code | USSD code |
|---|---|---|
| Access Bank | 044 | *901# |
| Citibank Nigeria | 023 | — |
| Ecobank Nigeria | 050 | *326# |
| Fidelity Bank | 070 | *770# |
| First Bank of Nigeria | 011 | *894# |
| FCMB | 214 | *329# |
| Globus Bank | 103 | — |
| GTBank | 058 | *737# |
| Jaiz Bank | 301 | — |
| Keystone Bank | 082 | *7111# |
| Lotus Bank | 303 | — |
| Optimus Bank | 107 | — |
| Parallex Bank | 104 | — |
| Polaris Bank | 076 | *833# |
| PremiumTrust Bank | 105 | — |
| Providus Bank | 101 | — |
| Signature Bank | 106 | — |
| Stanbic IBTC | 221 | *909# |
| Standard Chartered | 068 | — |
| Sterling Bank | 232 | *822# |
| SunTrust Bank | 100 | — |
| TAJ Bank | 302 | — |
| Titan Trust Bank | 102 | — |
| Union Bank | 032 | *826# |
| UBA | 033 | *919# |
| Unity Bank | 215 | *7799# |
| Wema Bank / ALAT | 035 | *945# |
| Zenith Bank | 057 | *966# |
“—” means the bank has no widely used public USSD code — use its app or internet banking instead.
📱 Codes for money apps (NIP codes)
Digital banks and mobile money apps use longer codes on the Nigeria Instant Payment (NIP) system:
| App / bank | Code |
|---|---|
| OPay | 999992 |
| PalmPay | 999991 |
| Moniepoint MFB | 50515 |
| Kuda Bank | 50211 |
| Paga | 100002 |
| MTN MoMo PSB | 120003 |
| Airtel SmartCash PSB | 120004 |
| VFD MFB | 566 |
| Carbon | 565 |
