Wema Bank USSD Code For Transfer (Updated 2026)

Wema Bank customers can access banking services with *945# with their phone.

The service does not require mobile data or a banking app, making it suitable for quick transactions.

Through the *945# menu, customers can transfer money, purchase airtime, check their account balance, pay bills, and manage other account services securely from their phones.

For faster access, dial *945*0# to check your balance or *945*Amount# to recharge your registered line.

To send money to another bank account in Nigeria, dial *945# and follow the instructions displayed on the screen.

The service works on smartphones and basic keypad phones across Nigerian mobile networks, making *945# a practical option for dependable offline banking.

Popular Wema Bank USSD Codes and Their Functions

Service	USSD Code
Access Main Menu	*945#
Check Account Balance	9450#
Transfer to Wema Bank	945Amount*Account Number#
Transfer to Other Banks	945Amount*Account Number#
Buy Airtime for Self	945Amount#
Buy Airtime for Others	945Amount*Phone Number#
Pay Bills	*945# → Pay Bills
Open Wema Bank Account	*945# → Open Account
Block Account / Card	*945# → Security Options

These codes handle the day-to-day banking needs most people actually have, with no branch visit or data connection required.

Always dial from your registered number and keep your USSD PIN well-guarded.

About Wema Bank

Wema Bank holds the distinction of being one of Nigeria’s oldest banks, but it’s far from stuck in the past.

It has built a strong reputation for digital innovation, offering savings and current accounts, domestic transfers, loans, bill payments, mobile banking, and digital account opening, including through its popular ALAT by Wema platform.

The Wema Bank Mobile App handles the more advanced features, but *945# is the steady constant – always available, always reliable, whether your internet is working or not.

This guide covers every Wema Bank USSD code worth knowing, how to get started, what transactions cost, how to fix common errors, and how to keep your account safe.

What Is Wema Bank USSD?

Wema Bank USSD is a mobile banking service that lets customers carry out financial transactions using short codes on their phones with no internet connection.

It’s the right tool when you:

Have poor or no internet connection.
Need to make an urgent money transfer.
Want to recharge airtime quickly.
Can’t access the Wema Bank app.
Use a basic feature phone.

Available 24/7 on any Nigerian SIM. Whatever network you’re on, *945# works.

Official Wema Bank USSD Code in Nigeria

The main Wema Bank USSD code is *945#.

Dial it once and you’re into the full menu: transfers, airtime, bill payments, balance checks, account opening, and security controls.

Here’s what subscribers reach for most often:

*945# — Main menu
*945*0# — Check account balance
*945*Amount# — Buy airtime for yourself
*945*Amount*Phone Number# — Buy airtime for others
*945*Amount*Account Number# — Transfer money
*945# → Pay Bills — Utility payments
*945# → Open Account — New Wema Bank account
*945# → Security Options — Block account or card.

How to Activate Wema Bank USSD Banking

Getting set up takes barely two minutes:

Have an active Wema Bank account.
Use the phone number registered to your account.
Make sure you have a network signal.
Dial *945#.
Create a 4-digit USSD PIN when prompted.

Done. USSD banking is live and available around the clock, with or without internet.

Full Breakdown of Wema Bank USSD Codes and Their Uses

1. Wema Bank Code for Transfers

To send money to any Nigerian bank: Dial *945*Amount*Account Number#.

Select whether you’re sending to a Wema Bank account or another bank, confirm the recipient’s details, and enter your PIN.

Works across all Nigerian banks such as Fidelity, GTBank, Ecobank, UBA, FCMB, Fidelity, Polaris, and more.

2. Wema Bank Code for Airtime

For yourself: Dial *945*Amount#.

Example: *945*200# to recharge ₦200 instantly.

For someone else: Dial *945*Amount*Phone Number#.

Example: *945*500*08012345678#.

Airtime hits the recipient’s line immediately.

3. Wema Bank Code for Account Balance

Dial: *945*0#

Enter your PIN if prompted, and your balance appears right away.

4. Wema Bank Code for Utility and Bill Payments

Dial *945# and select Pay Bills to handle:

Electricity (DISCOs).
DSTV, GOTV, Startimes.
Mobile data subscriptions.
Internet services.
Other supported billers.

Follow the on-screen prompts through to payment confirmation.

5. Code to Block Your Wema Bank Account

Phone gone missing or something feels off? Move fast:

*945# → Security Options → Block Account

Follow the prompts, and your account is locked immediately.

Why Wema Bank USSD Is Popular

Works offline without any internet
Fast and reliable on all four major networks
Supports MTN, Airtel, Glo, and 9Mobile
Compatible with every phone type
PIN-protected and secure
Available at any hour, every day of the year.

It quietly handles what people actually need from mobile banking. That consistency is exactly why *945# gets dialled every single day.

How to Set or Reset Your Wema Bank USSD PIN

Setting it up for the first time:

Dial *945#.
Select Create PIN.
Enter a 4-digit PIN.
Confirm.

Forgot your PIN?

Dial *945#.
Select Forgot PIN.
Verify via OTP.
Set a new PIN.

And the one rule that never changes: never share your PIN with anyone.

Wema Bank USSD and Transaction Charges

Dialling *945# is free
Network providers may charge ₦6–₦7 per USSD session
Bank transfer fees apply in line with CBN guidelines
Airtime and bill payments typically carry no extra bank fees.

Common Wema Bank USSD Errors and How to Fix Them

USSD not working: Check your network signal or confirm you’re using your registered SIM.
Incorrect PIN: Reset via *945#.
Insufficient balance: Top up your account and retry.
Session timeout: Find a stronger signal area and try again.
Transaction failed: Double-check the recipient’s details before resending.