USSD Codes for Loans & Mobile Banking in Nigeria

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USSD stands for Unstructured Supplementary Service Data, is a distinctive way of communication that doesn’t require data or an internet-driven smartphone. Nowadays, many companies prefer using USSD as a channel to interact with their customers as it is a fast, easy, and cost-effective process to get things done quickly.

In Nigeria, securing a loan using USSD has become easier than ever. This article will provide a list of essential codes you may need to continue using your preferred financial platform and its services.

With USSD codes, you can practically do anything, from getting a loan and opening a savings account to checking your bank statements.

Why use a USSD code?

Applying for a loan can be a daunting task due to various challenges such as going to the bank, opening an account, documentation, having collateral, and operating an internet-driven smartphone. However, technology has revolutionized this aspect by making USSD codes an integral part of the process.

With USSD codes, you can apply for loans, check your account status and balance, and perform other transactions with less stress. Although it has its downsides, but it is still highly recommended. Using USSD codes can save you the hassle of going to the bank or using an internet-driven phone. With many lending companies utilizing USSD codes, getting a loan in Nigeria has become a matter of time.

What is USSD code used for?

USSD is a popular channel in Nigeria as it offers a fast and stress-free way to get things done. Some of the features that can be accessed through USSD codes include:

  • Accessing loans
  • Operating without an internet connection
  • Checking or opening an account
  • Conducting card-less withdrawals
  • Generating tokens
  • Airtime purchase and more.

Nigerian commercial banks have adopted the use of USSD codes to improve their customer service. This post, however, will focus on the USSD codes available in Nigeria for obtaining loans and highlight some of the best commercial and microfinance banks where you can apply for a loan using their USSD codes.

What are the USSD codes for Loans in Nigeria?

To make accessing loans and other financial services easier, it’s important to be aware of what you intend to do with USSD codes before using them.

Here is a list of USSD codes in Nigeria that can be used to access loans and experience many other banking features.

Banks’ USSD Code For Loans in Nigeria

Access Bank Plc *901*11#
FCMB *329#
GTBank *737*51*51#
UBA *919*28#
Ecobank *326#
Zenith Bank *966#
Fidelity Bank *770#
First Bank *894*11# or *894#
ALAT Loan By Wema Bank *945*100#
UBA *919#
Unity Bank *7799#
Heritage Bank *322#
Keystone Bank *533#
Stanbic IBTC *909#
Standard Chartered Bank *120#
Sterling Bank *822#
Polaris Bank *833#
Jaiz bank *773#
Union Bank *826#

Microfinance Banks’ USSD Code For Loans in Nigeria

AB Microfinance Bank *389*755#
Accion MFB *572*6#
Kwik Cash *561#
Aledin Nano *903#
Migo *561#
Interswitch *322#
Fairmoney *322*6#
Paylater / Carbon *1303#

Airtime USSD Code For Loans in Nigeria

Airtel quick cash *561#
9Mobile *561#
Mtn cash *606*4#
Glo cash *322*1*04225701*Amount#

Other important USSD Codes

To Check Your Bank Verification Number (BVN) *565*0#
Paga User Service *242#
Payattitude *569#
Quickteller – Airtel, MTN & 9mobile *322#
Quickteller – Glo Users *805#
Trader Moni *540#
Verve ECash *322*60#
To Check Your CRC’s Credit Bureau history *565*8#
Report domestic violence and child abuse in Lagos. *6820#
Dstv User/Self-service *288#
Airtel Recharge code *126*PIN#
Airtel check balance code *123#
Airtel Data code *141#
Airtel International Bundles *789#
Etisalat Recharge code *222* PIN NO#
Etisalat international bundles code *620*1#
Etisalat credit balance code *232#
Etisalat data code *229#
Glo Recharge code *123* PIN NO#
Glo Credit balance code *124*1#
Glo data code *777#
Glo international bundles code *0905#
Mtn menu code *141*0#
Mtn data code *131#
Mtn credit balance code *556#
Mtn International Bundles code *131*5#

USSD Codes for quick loans in Nigeria

The use of USSD codes aims to integrate underbanked individuals into the mainstream banking system. These codes are available even without a data-enabled SIM card. Several top lending apps in Nigeria allow the use of codes to access loans, but first, you must register with them.

Some loan apps in Nigeria also offer registration through USSD codes, which eliminates the need to upload your documents since the information is derived from the BVN you registered. If you cannot find the USSD code of your preferred lending app on the list above, it either they do not have one or have not currently deployed one for their customers.

What are the requirements for using USSD Codes in Nigeria?

To take advantage of the benefits and features of USSD codes, you must complete a valid registration with your chosen platform. The following are the basic requirements:

  • Sign up with a loan provider of your choice.
  • Provide your full name, phone number, BVN, email, and physical address.
  • Provide your account number.
  • Obtain the USSD code of the loan provider.
  • Familiarize yourself with the loan repayment terms and conditions.
  • Ensure that you meet the payment due date to avoid online sanctions.


How to get quick loans using USSD codes

If you want to apply for quick loans using USSD codes, follow these steps:

  1. Identify the loan provider you want to borrow from.
  2. Sign up with the loan provider.
  3. Provide basic requirements such as your name, phone, BVN, and address.
  4. Obtain the USSD code of the loan provider.
  5. Dial the code.
  6. Follow the instructions provided.
  7. Receive your loan.


Using a USSD code to secure loans is a simple process for people who are not tech-savvy. Furthermore, it is the quickest way to access information about the products and services of a financial institution, such as communicating with your bank.

The USSD code provides access to loans and other features without requiring you to visit the bank or upload documents. Almost every commercial bank now supports the use of USSD codes, reshaping and modeling them to facilitate faster communication between them and their customers.

The good news is that more microfinance banks, fintech companies, and digital lending apps are adopting USSD codes. Expect to see more additions to the list soon, as this post will be frequently updated to stay up-to-date.

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