The Nigerian banking industry is one of the most vibrant in the world. The Nigerian Central Bank (CBN) has a list of all the Nigerian banks and their sort codes and swift codes.
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The Central Bank of Nigeria (CBN) is a financial organization that oversees Nigeria’s banking system. It was established by an Act of Parliament on December 31, 1959, as a central bank for Nigeria.
Banks in Nigeria are required to inform customers of their sort codes and swift codes.
The Nigerian Financial Intelligence Unit (NFIU) is the government agency in Nigeria that is in charge of regulating the banking industry. The NFIU has issued a circular to all banks, reminding them of the requirement to provide their customers with the bank’s Sort Code and Swift Code.
Sort codes and swift codes are the international standard to identify banks in Nigeria.
Sort codes are unique alphanumeric identifiers for Nigerian Banks. They are important for the proper functioning of all banking transactions in Nigeria.
Swift Codes, also known as BIC or SWIFT IDs, are used to identify banks internationally. This is especially important for international wire transfers.
The sort code is a number that usually identifies both the bank and the branch where an account is held. The sort code is usually used when transferring funds from one account in one bank branch to another branch of the bank or another bank. Here are a list of all the sort codes of Nigerian banks.
This article is a list of all Nigerian banks’ Sort codes, USSD codes, and swift codes.
| Bank Name | Sort code |
| Access Bank | 44150149 |
| Diamond Bank Plc | 63150162 |
| Ecobank Nigeria Plc | 50150311 |
| Enterprise Bank | 84150015 |
| Equitorial Trust Bank Limited | 40150101 |
| Fidelity Bank Plc | 70150003 |
| First Bank Of Nigeria Plc | 11152303 |
| First City Monument Bank Plc | 214150018 |
| Finbank Plc | 85151275 |
| Guaranty Trust Bank Plc | 58152052 |
| Keystone Bank | 82150017 |
| Mainstreet Bank | 14150030 |
| Nigeria International Bank (Citigroup) | 23150005 |
| ECO Bank | 56080016 |
| Polaris Bank Plc | 76151006 |
| Stanbic-IBTC Bank Plc | 221159522 |
| Standard Chartered Bank Nigeria Ltd | 68150057 |
| Sterling Bank Plc | 232150029 |
| United Bank For Africa Plc | 33154282 |
| Union Bank Of Nigeria Plc | 32156825 |
| Unity Bank Plc | 215082334 |
| Wema Bank Plc | 35150103 |
| Zenith Bank Plc | 57150013 |
SEE ALL Sort codes for all Nigerian banks – Full List
What is a USSD code?
USSD is a mobile phone text-based service that allows customers to interact with their bank. It was developed to help customers who have no access to a computer or don’t know how to use one.
The USSD code was primarily used for sending SMS messages before the advent of data-based messaging services.
USSD code, also known as UPUC, is a code used by mobile network operators and banks for accessing the USSD service.
USSD which stands for (Unstructured Supplementary Service Data), sometimes referred to as “Short Codes” or “Feature codes”, is a communications protocol that is used in GSM mobile networks. This type of code uses the control channel, which is an alternative to the voice channel.
The banks use these quick codes to bring banking services such as transfers, balance checks, bills payments, etc. closer to their customers via their phones.
USSD Code for all banks in Nigeria
| Access Bank | *901# |
| UBA Transfer code | *919# |
| Stanbic IBTC Bank Transfer code | *909# |
| Sterling Bank transfer code | *822# |
| Fidelity Bank transfer code | *770# |
| First Bank transfer code | *894# |
| FCMB bank transfer code | *329# |
| Polaris Bank transfer code | *833# |
| GT Bank | NEW 737 |
| Eco bank | *326# |
| Zenith Bank transfer code | *966# |
| Wema Bank transfer Code | *945# |
| Unity Bank Transfer code | *779# |
| Heritage Bank | *745# |
Access USSD Banking
The official Access bank USSD banking code for the transfer of funds is *901#, we have provided other codes to make your transactions easier and less time consuming
- Airtime for self: *901*Amount#
- Airtime for others: *901*Amount*Phone Number#
- Account Opening: *901*0#
- Data Purchase: *901*8#
- Balance Enquiry: *901*5#
- Fund Transfer to Access Bank: *901*1*Amount*Account Number#
- Fund Transfer to Other Banks: *901*2*Amount*Account Number#
- Merchant Payment: *901*3*Amount*Merchant Code#
- Bill Payment: *901*3#
- OTP Generation: *901*4*1#
Sterling Bank USSD Code
Sterling Bank USSD code is *822#. You can use this code to buy airtime, pay bills, and even transfer money from bank to bank.
- Buy airtime self: *822*AMOUNT#
- Buy airtime for others: *822*AMOUNT*MOBILE NO#
- Sterling bank within transfer: *822*4*AMOUNT*NUBAN#
- Sterling bank to other: *822*5*AMOUNT*NUBAN#.
- Check account balance: *822*6#
- Check account number: *822*8#
- Open account: *822*7#
- . To reset Pin: *822*9#
First bank transfer code
The official code for the first bank transfer is *894# however there are other subcodes that will make your transactions faster. We have listed those sub-codes here:
- To register: *894*0#
- Airtime recharge: *894*Amount#
- Airtime for others: *894*Amount*Number#
- To transfer: *894*Amount*Account number#
- To check airtime: *894*00#
- Mini-statement: *894*Account number#
FCMBUSSD bank transfer code
The official FCMB USSD bank transfer code is *329#, and it can be used to complete a lot of bank commands. Here are some quick codes for FCMB USSD BANKING
- Dial *329*Amount# to top-up your mobile phone.
- *329*Amount*Mobile number# to top-up other mobile phones.
- *329*Amount*Account number# to transfer funds.
- *329*00# to check balance.
- *329*0# to reset your pin.
- *329*1*Mobile Number# to buy data on your phone.
- Dial *329*2*Smartcard Number# to pay for DSTv or GOTv subscription.
Polaris Bank transfer code
Polaris Bank transfer code which is also known as smart code is *833#. With smart code, you can buy airtime, Data and transfer money to other banks. To commence using the Polaris (Skye) Bank Money Transfer Code, you need to register or sign-up first by dialing the above code first.
- Open an Account (*833*1#)
- Pay Bills (*833*2#)
- Transfer Funds (*833*3#)
- Hotlist Card
- Update your BVN (*833*5#) – Coming Soon
- Check your Balance (*833*6#)
- Pay with MasterPass (*833*7#)
- Airtime Top-up
Buy Airtime for yourself: Dial *833*AMOUNT# - Buy Airtime for others or yourself: Dial *833*AMOUNT*PHONENUMBER#
- Transfer Funds: Dial *833*AMOUNT*ACCOUNTNUMBER#
Zenith Bank transfer code
Zenith USSD code for transfer is *966# and you can easily transfer from Zenith Bank to other banks in Nigeria. To complete your Zenith mobile banking, you are to dial the following code:
- Open account: *966*0#
- Check account balance: *966*00#
- Top-up your airtime: *966*Amount*Mobile Number#
- To transfer funds: Dial *966*Amount*Account Number# then follow the on-screen prompts.
- Update your BVN: *966*BVN#
- Reset PIN: *966*60#
- Deactivate mobile banking: *966*20*0#
- Pay DStv and PHCN: *966*7*Amount*Customer ID#
- Pay other Zenith Billers: *966*6*Biller code*Amount#
Wema bank transfer code
The official transfer code for Wema bank is *945# and you can complete other necessary commands such as:
- Buy Airtime: *945*phone Number*amount#
- Send Money: *945*beneficiaryaccountnumber*amount#
- Balance Enquiry: *945*0#
- Change PIN: *945*00#
- Get your Account Number: *945*000#
- Open Account: *945*1#
- change account umber: *945*2*oldaccountnumber*newaccountnumber#
- Account Reactivation: *945*5#
*. Send Money to phone/email: *945*6*amount#
Fidelity USSD code for transfer
Fidelity transfer code is *770#, and it can be used to complete the following transaction:
*. Self-recharge: Dial *770*AMOUNT#
*. Recharge For A Friend Or Family: Dial *770*PHONE*AMOUNT#
*. To transfer funds: Dial *770*ACCOUNT*AMOUNT#
Full list of swift codes for all banks in Nigeria
| Bank Name | City | Swift Code |
| ACCESS BANK PLC | LAGOS | ABNGNGLA |
| AFRICA FINANCE CORPORATION | LAGOS | AFFCNGLA |
| AFRICAN EXPORT-IMPORT BANK | ABUJA | PASSNGLA |
| ASSET MANAGEMENT CORPORATION OF NIGERIA | ABUJA | AMNGNGLA |
| BANK OF INDUSTRY FINANCIAL DEPARTMENT | LAGOS | BOIYNGLA |
| CENTRAL BANK OF NIGERIA | LAGOS | CBNINGLA |
| CENTRAL BANK OF NIGERIA | LAGOS | CBNINGLANGA |
| CENTRAL SECURITIES CLEARING SYSTEM PLC | LAGOS | CSCYNGLA |
| CITIBANK NIGERIA LIMITED | LAGOS | CITINGLATRD |
| CITIBANK NIGERIA LIMITED | LAGOS | CITINGLA |
| CORONATION MERCHANT BANK LIMITED | LAGOS | CMBBNGLA |
| ECOBANK NIGERIA LIMITED | LAGOS | ECOCNGLA |
| FBNQUEST MERCHANT BANK LIMITED | LAGOS | KDHLNGLA |
| FIDELITY BANK PLC | LAGOS | FIDTNGLA |
| FIRST BANK OF NIGERIA LTD | LAGOS | FBNINGLA |
| FIRST BANK OF NIGERIA LTD | LAGOS | FBNINGLAGCS |
| FIRST CITY MONUMENT BANK LIMITED | LAGOS | FCMBNGLAWEB |
| FIRST CITY MONUMENT BANK LIMITED | LAGOS | FCMBNGLA |
| FMDQ SECURITIES EXCHANGE LIMITED | LAGOS | FMDQNGLA |
| FSDH MERCHANT BANK LTD | LAGOS | FSDHNGLA |
| GLOBUS BANK LIMITED | LAGOS | GLOUNGLA |
| GUARANTY TRUST BANK PLC | LAGOS | GTBINGLAIFP |
| GUARANTY TRUST BANK PLC | LAGOS | GTBINGLA |
| HERITAGE BANKING COMPANY LIMITED | LAGOS | HBCLNGLA |
| JAIZ BANK PLC | ABUJA | JAIZNGLA |
| KEYSTONE BANK LIMITED | LAGOS | PLNINGLA |
| NIGERIA LNG LIMITED | PORT HARCOURT | NLNGNGLP |
| NIGERIAN EXPORT-IMPORT BANK | ABUJA | NEXMNGLA |
| NOVA MERCHANT BANK LIMITED | VICTORIA ISLAND | NVMBNGLA |
| POLARIS BANK LIMITED | LAGOS | PRDTNGLA |
| PROVIDUSBANK PLC | LAGOS | UMPLNGLA |
| RAND MERCHANT BANK NIGERIA LIMITED | LAGOS | FIRNNGLARMS |
| RAND MERCHANT BANK NIGERIA LIMITED | VICTORIA ISLAND | FIRNNGLA |
| STANBIC IBTC BANK PLC | LAGOS | SBICNGLX |
| STANDARD CHARTERED BANK NIGERIA LIMITED | LAGOS | SCBLNGLASSU |
| STANDARD CHARTERED BANK NIGERIA LIMITED | LAGOS | SCBLNGLASTM |
| STANDARD CHARTERED BANK NIGERIA LIMITED | LAGOS | SCBLNGLATSY |
| STANDARD CHARTERED BANK NIGERIA LIMITED | LAGOS | SCBLNGLAPYT |
| STANDARD CHARTERED BANK NIGERIA LIMITED | LAGOS | SCBLNGLA |
| STERLING BANK PLC | LAGOS | NAMENGLASAF |
| STERLING BANK PLC | LAGOS | NAMENGLA |
| SUNTRUST BANK NIGERIA LIMITED | LAGOS | SUTGNGLA |
| TAJ BANK LIMITED | ABUJA | TAJJNGLA |
| TITAN TRUST BANK LIMITED | VICTORIA ISLAND | TTRUNGLA |
| UNION BANK OF NIGERIA PLC | LAGOS | UBNINGLA |
| UNITED BANK FOR AFRICA PLC | ABA | UNAFNGLA088 |
| UNITED BANK FOR AFRICA PLC | ABA | UNAFNGLA171 |
| UNITED BANK FOR AFRICA PLC | ABA | UNAFNGLA223 |
| UNITED BANK FOR AFRICA PLC | ABEOKUTA | UNAFNGLA055 |
| UNITED BANK FOR AFRICA PLC | ABUJA | UNAFNGLA114 |
| OPAY HOLDING LIMITED, ST. | LAGOS | OPAHGB22 |
