There are various reasons to wanna top-up your phone with airtime from your bank account. And the introduction of the use of USSD codes by Nigerian banks to enable their customers top-up (recharge) their phones with airtime from their bank accounts is a very positive and vital move and development, worthy of applause and appraisal.
For example, you may be stranded or not have enough cash at hand to spare to buy airtime, or it may be a very late hour with the shops and retail outlets around already locked up and closed for the day, or you are not comfortable with borrowing airtime from your service provider, or you don’t want to be bothered with the hassle associated with going to the ATM for airtime top-up. For instance, the distance of your house to the bank may not be friendly.
Whatever the reason, you just need to top-up in order to use your phone probably to make phone calls, or an emergency call ( to call an ambulance or the police), send text message, subscribe to a data plan, etc.
I could go on, but anyway, I believe you get the point. So below is a list of banks in Nigeria and the USSD codes their customers can use to top-up their phones from their banks accounts.
- Access Bank: *901*amount#
- Eco Bank: *326*amount#
- Fidelity Bank: *770*amount#
- FCMB: *389*214*amount#
- First Bank: *894*amount#
- GTBank: *737*amount#
- Heritage Bank: *322*030*amount#
- Keystone: *322*082*amount#
- Sky Bank: *389*076*1*amount#
- IBTC: *909*amount#
- Sterling Bank: *822*amount#
- UBA: *389*033*1*amount#
- Unity Bank: *322*215*amount#
- Zenith Bank: *966*amount# or *302*amount# (for mtn users)
- Diamond Bank (Y’ello account only): *710*555*phone no*amount*pin#
Note: The shortcoming of this service is that for most of the banks above, you won’t be able to recharge other phone numbers not linked to the bank accounts.