ussd codes for mobile bank loans

USSD Codes For Bank Loans In Nigeria (Complete List)

Knowing the USSD code to dial in Nigeria when you need a loan is the quickest way to ensure whatever needs your attention is not delayed, be it personal or business needs.

By going to any bank in the country for a loan, you are most likely going to experience the usual approaches like waiting in the queue, chat with the customer care reps about borrowing money, complete a loan request form, submit all required documents and wait for a day or more before receiving feedback.

All these can be avoided as banks and other financial institutions now have a ussd code anyone can dial to borrow a loan without providing collateral. The era of long loan procedures is now over, you can now get a quick loan in less than 5 minutes without leaving your home or wherever you are.

We have been able to gather all loan ussd codes in Nigeria and we will be providing you with the complete list. Also, as other banks like microfinance banks in Nigeria continue to join, we will be updating from time to time. Most importantly, you will find all commercial banks, microfinance banks (mfb), and other financial institutions loan ussd codes which you can use anytime you need to borrow money.

As an entrepreneur, using a loan to improve your already running business is not bad, but starting one with it is. You can request for a loan, put more funds in the business and watch as your revenue improves.


The acronym USSD stands for Unstructured Supplementary Service Data, is a code programmed into your phone number or mobile phone that allows communication between a user and the telecom computers.

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In other words, it can be used to perform some special action without the need to go live with the customer care. The ussd code can be used for the following: access products including third parties products, loan services, menu-based information services, subscribe for services, check balances, etc. It is also referred to as quick code.


Unstructured Supplementary Service Data (USSD) banking is a banking service that facilitates transactions by simply dialing codes on any mobile phone. Users will be able to use the codes to carry out numerous banking transactions such as account opening, bill payment, bank transfer, airtime purchase, checking of account balance, loan request, and more.

Financial institutions like commercial and microfinance banks now have assigned ussd codes for users to quickly access loan products. This allows us to get things done without going through the usual stress.

Examples of these USSD Codes For Banks In Nigeria are Fidelity Bank *770#, Zenith Bank *966#, GTB *737#; First Bank *894#, Union Bank *389#, Wema Bank *945#, Heritage Bank *322#, Unity Bank *389#, UBA *919#, Keystone Bank *533#, Access Bank *901#, Polaris Bank’s *833#, Sterling Bank *822#, Eco Bank *326#, FCMB *389#, Jaiz Bank *773#, Sterling Bank *822#, etc. Meanwhile, the loan assigned codes are different, and this is why we will be given you the complete list of all loan ussd codes in Nigeria. 


All commercial banks in Nigeria have a loan service for their customers. If you have already opened a bank account with any of the banks. You do not have much to do except for making a request to borrow money via ussd code, mobile loan apps, internet banking, or at their branch.

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However, below are the requirements commonly asked when you apply for a loan via ussd.

  1. Full name.
  2. Account details.
  3. Bank verification number (BVN).
  4. Mobile phone number.
  5. Any other information requested by the provider of the loan.

All your personal information is on your BVN. The financial institution will study them along with your phone number to determine if you are creditworthy to borrow. And if yes, the maximum amount you can receive.


Below are the loan codes for all commercial banks in Nigeria. Customers should dial the ussd code on the phone number linked to their bank account. The loan ussd codes are:

Commercial BanksUSSD Codes For Loans
Access Bank Loan Code
Ecobank Nigeria Loan Code*326#
Fidelity Bank Nigeria Loan Code*770#
First Bank Nigeria Loan Code*894#
First City Monument Bank (FCMB) Loan Code*329#
Keystone Bank Loan Code*7111#
Guaranty Trust Bank (GTB) Loan Code*737# or *737*51*51#
Heritage Bank Loan Code*745#
Polaris Bank Loan Code*833#
Jaiz Bank Loan Code*773#
Stanbic IBTC Loan Code*909#
Standard Chartered Loan Code*977#
Sterling Bank Loan Code*822#
Union Bank Nigeria Loan Code*826#
United Bank for Africa (UBA) Loan Code*919#
Unity Bank Loan Code*7799#
Wema Bank Loan Code*945#
Zenith Bank Loan Code*966#



Financial institutions like microfinance banks and fintech companies in Nigeria also give loans. Below are the ussd codes to dial to borrow money:

Loan ProvidersLoan USSD Codes
AB Microfinance Bank*389*755#
Accion MFB*572*6#
Airtel Quick Cash Loan*561#
Mtn Cash*606*4#
9mobile loan code*561#
Glo Cash Loan Code*322*1*04225701*Amount#
Fairmoney Loan Code*566*15#
Interswitch Loan Code *3226#
Aledin Nano Loan Code*903#
Paylater (Carbon) Loan Code*1303#
Ferratum Loan Code*322*6#
Migo (kwikcash) Loan Code561*1*1*1#


Other Financial Services

Below are the financial services codes you can use from time to time:

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Fintech FirmsCodes to dial
PayAttitude USSD Code*569#
Paga USSD Code*242#
Quickteller – Glo Users*805#
Quickteller – MTN, Airtel & 9mobile*322#
Verve ECash USSD Code*322*60#
Trader Moni USSD Code*540#


GSM NetworksAirtime & Data USSD Codes
MTN Borrow Code*606#
Airtel Borrow Code*500#
Glo Nigeria Borrow Code*321#
9mobile borrow Code*665#

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