Quick answer
Use this hub to find the right Explainer.NG guide for a Nigerian bank task. Start with the bank's official app, website, USSD or branch. If money is missing or a transaction failed, keep the receipt, reference, date, time, amount and beneficiary details before contacting support.
Bank guides
UBA
For UBA banking in Nigeria, the main USSD code is *919#. Use it on your registered phone number for transfers, balance checks, airtime, bill payment and emergency actions. For smartphone banking, use the official UBA Mobile App or UBA Internet Banking. For support, use UBA's official contact centre, email, branch, in-app support or Leo channels.
GTBank
For GTBank in Nigeria, the main USSD family is *737#. GTBank's help centre lists USSD actions for account opening, BVN linking, balance checks, statements, token generation and transfers. For smartphone users, GTWorld and internet banking are the better route for receipts, statements and wider account management.
Access Bank
For Access Bank in Nigeria, the common USSD route is *901#. Use Access More or Access Bank online banking for smartphone and internet-banking tasks. For complaints, use official Access Bank support lines, live chat, email route, branch or in-app support rather than unverified phone numbers found in comments.
Zenith Bank
For Zenith Bank in Nigeria, *966# is the widely used EazyBanking USSD code. Use the Zenith mobile app or internet banking for receipts, statements, card controls and more detailed account tasks. Use ZenithDirect, the self-service portal, branch or official app routes for complaints and account-risk situations.
FirstBank
For FirstBank in Nigeria, the main USSD code is *894#. FirstBank says 894 banking can be used for transfers, balance checks, airtime, bills and other tasks without internet. Use FirstMobile or online banking for richer account management, statements and receipts.
Fidelity Bank
For Fidelity Bank in Nigeria, the main instant banking code is *770#. Fidelity's official FAQ lists short codes for account opening, balance checks, transfers, bill payment, PIN change, card blocking and account freeze. Use the app or online banking when you need statements, receipts or richer self-service.
Stanbic IBTC
For Stanbic IBTC Bank in Nigeria, the main USSD code is *909#. Stanbic IBTC's official page says *909# can be used for airtime, data, transfers, electricity token, cable TV and instant account opening. Stanbic IBTC Pension is a separate self-service need: use official pension portal, mobile app, IVR or SMS short-code channels for RSA balance, statement and contribution checks.
People also ask
How do I find my bank's USSD code in Nigeria?
Each bank has its own short code — for example *919# for UBA, *737# for GTBank, *901# for Access Bank, *966# for Zenith, *894# for FirstBank, *770# for Fidelity, and *909# for Stanbic IBTC. Dial the code from the phone number registered to your account; USSD banking does not require internet access.
What should I do if a bank transfer fails or is pending?
Check the transaction status in your bank's official app or internet banking first — many "failed" transfers actually complete within minutes. If it's still pending or the money hasn't reached the beneficiary, contact your bank with the receipt, session ID, amount, date and beneficiary details. See our failed bank transfer guide for the full process.
How do I escalate a complaint if my bank doesn't resolve it?
Start with your bank's official complaint channel and get a ticket number. If it's unresolved within a reasonable period, you can escalate to the CBN Consumer Protection Department with your complaint reference, evidence, and a clear timeline of what happened.
Is it safe to share my OTP or PIN with bank support?
No. Legitimate bank staff never ask for your OTP, PIN, password, token code or full card details — over the phone, by app, or in person. Anyone asking for these, even someone claiming to be from your bank, is very likely attempting fraud.
Which Nigerian banks does this hub cover?
This hub currently has dedicated guides for UBA, GTBank, Access Bank, Zenith Bank, FirstBank, Fidelity Bank, and Stanbic IBTC — covering USSD codes, mobile apps, internet banking, customer care, and complaint routes for each.
What to do before reporting a banking problem
- Confirm the transaction status in the official app or internet banking.
- Save the receipt, session ID or reference number.
- Check whether the beneficiary bank or wallet has received value.
- Report through official bank channels and ask for a ticket number.
- Do not share OTP, PIN, password, token code or full card details.
- Escalate unresolved complaints with clear evidence.