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How to Check Account Balance for All Banks in Nigeria Using USSD Code (2022)

At this age and time, anyone who owns a bank account already knows that there is a code he or she can use to send to send money, receive money, recharge their account or check their account balance. As at the time of writing this article, we have over 24 commercial banks in Nigeria whose sole responsibilities are to, provide financial services to its customers. Over the years, these banks have continued to evolve in other to cater for the demands of their customers and make transfer of funds and receipt of funds as easy as possible for their customers. Also, the number of banks has continued to increase in other to ensure that the unbanked population of the country is reduced to the barest minimum.



Years ago, people had to actually walk into their banks to actually find out/check their account balance, but things have changed a lot in recent times as banks have invented new ways to make the life of their customers easier, this is also in accordance with CBN cashless policy. Now one can just dial a few numbers and then he would automatically receive a text with his/her account balance details and so on.

So, in this article, we are going to be discussing how to check your account balance statement as a customer of any of the banks in Nigeria. However, we shall start by listing all the banks in Nigeria together with the USSD Codes you can use to check your account balance, but before that, we would start by explaining what USSD code is. Most of us are familiar with the likes of Zenith bank, Fidelity bank, First bank, Eco bank, United Bank of Africa, Guaranty Trust Bank, Sterling bank etc. In this article also, we shall mention some of the not so famous banks and their USSD codes alongside the famous ones. But first, let’s explain what USSD codes are.

USSD Codes

What are USSD Codes?

Unstructured Supplementary Service Data (USSD), sometimes known as “fast codes” or “feature codes,” is a communication system used by GSM cellular phones to interact with the computers of the mobile network operator. USSD could be used for prepaid callback service, WAP surfing, mobile-money services, menu-based information services, location-based content services and network configuration.

USSD messages can include up to 182 alphanumeric characters. USSD messages unlike SMS messages establish a real-time connection during a USSD session. The connection stays open, allowing for the two-way exchange of a data sequence.

At this point, we now understand what USSD Codes are and how they can be used. In this article, we would go on the mention all the banks in Nigeria, their USSD codes and how to check your bank account balance using your mobile phone.

How to Check Account Balance for All Banks in Nigeria Using USSD Codes (2022)

The following banks account balance can be checked using their respective USSD codes. The banks listed here have been arranged in no order.

  • GTBank USSD Code for Checking Bank Account Balance on Mobile Device

To view your account balance on your mobile device, you must first sign up for 737# mobile banking. After registering, dial *7376*1# from your phone. To view your GTBank account balance, follow the on-screen instructions. Check that you are calling from the registered mobile number associated with your GT Bank account.

  • Diamond (Access) Bank USSD Code for Account Balance Check

Diamond Bank has cooperation with MTN for USSD banking; however, only Diamond Yello account holders may execute this action. “Diamond Y’ello Account,” according to the bank’s website. According to the bank, diamond Y’ello is a package that combines communications services and banking, as well as a reward system for active MTN clients. However, this was before the mergre between Diamond bank and Access bank in 2019. Now all subscribers of the two banks now turned one, can check their account balance statement by dialing 9015# from any line associated with their Bank account. Once you do that, you will receive an SMS with your account balance within a few seconds.

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You can also dial *901# on your phone connected to your account, then press option 1 to check account balance. You will receive a message immediately with your account balance.

  • Ecobank USSD Code for Account Balance Checking on Phone

Dial 3260# to check your Ecobank account balance. You must dial the code using the mobile phone number associated with your account number and registered with Mobile money.

To validate your request, enter your mobile money PIN or the last four digits of your ATM Mastercard or Visa Card.

Following the completion of the preceding procedures, you will receive a notice indicating your account balance. You will also receive an SMS to confirm your purchase.

  • How to Check Your First Bank Account Balance Statement

You can dial 89400# on your mobile device, to check your account balance for the first time. Follow the command prompt and your account balance will be displayed and sent as a text message to your mobile phone.

  • Eco Bank USSD Code to Check Account Balance on Mobile Phone

Simply dial 3260# on your phone; it must be a number associated with your account, as with all banks.

  • FCMB USSD Code to Check Your Account Balance on a Mobile Phone

Simply dial 389214# on your phone; it must be a number associated/connected with your account, as with all banks.

  • Sterling Bank USSD Code to Check Account Balance

Dial 8226account number#, e.g., *8226*0467986342# on your phone; it must be a number associated with your account, as with all banks.

  • To Check Your Account Balance for Keystone Bank

You can type 322082# to see your balance (AIRTEL, MTN and Etisalat) or 085082# for (GLO subscribers only) on your phone.

Step 1 – To register, follow the on-screen instructions.

Step 2 – Enter your account number.

Step 3 – Select a four-digit pin and confirm.

Step 4 – To view the account balance, continue to follow the on-screen directions.

  • Wema Bank Short Code for Checking Account Balance

Dial 9450# on your phone; it must be a phone number associated with your account, as with other banks.

  • USSD Code for Heritage Bank to Check Your Account Balance Via Phone

To view your Heritage bank account balance, dial 322030# and follow the on-screen instructions. To view your account balance, select the balance menu.

  • To Check Account Balance on Phone, Dial Stanbic IBTC USSD Code

If you want to see your Stanbic IBTC bank balance, call *909# from your registered mobile phone number and follow the on-screen prompts. To see your balance, choose your chosen choice for ‘Account balance’.

  • Union Bank USSD Code for Mobile Account Balance Checking

To begin, dial 389032# to register.

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Text BAL to 20123 from SMS.

You receive a response indicating your balance.

For Unity Bank USSD Code for Checking Account Balance Like other banks

It must be a number associated with your account. Type 389215# on your phone to get your account balance.

  • USSD Code For UBA Account Balance

Dial 91900# on your phone to check your account balance. You will be expected to enter your 4-digit pin/password. Like other banks, it must be a number associated with your account.

  • Skye Bank USSD Code for Checking Bank Account Balance on a Mobile Device

To check the balance of your Skye Bank bank account, call *833# from your phone and follow the on-screen instructions. To view your balance, go to the balance menu.

  • Zenith Bank Short Code for Checking Account Balance

To check your Zenith Bank account balance, you can type this number 96600# and follow the on-screen instructions. To view your balance, go to the balance menu.

  • Unity Bank Short-Code for Checking Account Balance on Mobile Phones

As the registered account owner, dial *7799#.

Choose the option “check account balance.”

To validate your request, enter the last four digits of your ATM master card or USSD PIN.

  • What to do to Check Polaris Bank Account Balance

Polaris Bank, previously Skye bank, account holders should dial 8336# on their cell phone linked to their account and follow the on-screen directions.

Select number 6 to view your balance.

Follow the steps to input your account number.

Enter any four-digit number to be used as a PIN (Please use your Polaris Mobile PIN if you are a Polaris Mobile customer, or enter the four-digit PIN generated during your registration for *833#).

  • How to Check Citibank Account Balance

To check your account balance statement as a Citibank customer, type Bal and then include the last 4 digits of your debit card number on your mobile number connected to that your account. As of the time of writing this article Citibank does not have a USSD code for checking account balance.

  • How to Check Your Globus Bank Account Balance Using USSD Code

Globus Bank has joined the list of all other commercial banks in Nigeria that use USSD codes for transactions anywhere, at any time, without the need for data.

Customers of Globus Bank can dial 9891amountaccount number#.

Let’s take this as an example, to transfer 10,000 naira to another Globus bank account customer, type 989120003456372615# and then provide your security code.

You may also utilize *989# to create an account, view your bank account statement, and pay bills from the comfort of your own home.

  • Suntrust Bank Nigeria Limited USSD Code for Checking Account Balance

There is no USSD code for checking bank account statement, as at the time of writing this article. SunTrust Bank Limited is still a very new to the banking industry and still has some catching up to do.

  • How to Check Titan Trust’s Account Balance as a Customer

Customers of Titan Trust Bank Limited, one of the three newest entries into the Nigerian banking market, have praised the lender for the smooth service they received on its USSD Code *922# banking platform.

You may check your account balance, make inquiries, transfer cash to friends and family, and recharge your account by dialing *922#.

  • How to See Your Jaiz Bank Account Statement

Islamic banking has embraced Fintech by utilizing a USSD code and a mobile app for fund transfers, bill payments, purchasing airtime, and checking account balances.

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The Premier Non-Interest Bank USSD code provides its clients with a safe way to do transactions at the touch of a button. It’s so simple, smooth, fast, and secure that you won’t be able to control your enthusiasm since it allows consumers to transact from their mobile lines directly from their bank accounts by dialing a brief USSD code. 1. To see Jaiz Bank’s account statement, please download their app from the Appstore. 2. Register your bank information, such as your debit card or account number.

Log in to your email address that is linked to Jaiz Bank to access your monthly statement, which they frequently provide to its customers on a regular basis.

  • How to check the balance of your Jaiz Bank account.

Jaiz Bank customers have two choices for checking their bank account balance: their smartphone app or a USD code.

Using the USSD code, you may check the balance of your Jaiz Bank account.

Simply call *773# and follow the on-screen prompts.

  • How to Check the Balance of Your Taj Account Making Use of the USSD Code

TAJ Bank, like other banks that utilize USSD codes, has embraced technology and promoted the usage of USSD codes. *898# is the TAJ Bank USSD code.

The TAJ USSD code function provides a convenient option for the bank’s clients to do transactions.

At the end of this article, readers should be able to check the account balance of any of their accounts, in any bank they bank with, using the USSD code. This article has been made as informative as possible for people looking to gather more information about how to check their account balance, the number of banks in Nigeria and the codes to use. These codes can also be used for transferring money to other banks as well as the same bank, recharge airtime for family and friends, pay bills, open account, access loans and make cashless withdrawals, so they are not just exclusively for checking account balance. However, all readers and customers are advised to follow the prompts or suggestions that pop up after they dial the code to decide what to do next.



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