{"id":2914,"date":"2026-08-10T15:26:04","date_gmt":"2026-08-10T15:26:04","guid":{"rendered":"https:\/\/blog.giftcardstonaira.com\/posts\/?p=2914"},"modified":"2026-08-16T15:49:19","modified_gmt":"2026-08-16T15:49:19","slug":"first-bank-ussd-code-in-nigeria","status":"publish","type":"post","link":"https:\/\/blog.giftcardstonaira.com\/posts\/first-bank-ussd-code-in-nigeria\/","title":{"rendered":"First Bank USSD Code In Nigeria (Updated 2026)"},"content":{"rendered":"<p><b>First Bank customers<\/b><span style=\"font-weight: 400;\"> can access essential <\/span><b>banking services<\/b><span style=\"font-weight: 400;\"> by dialing <\/span><b>*894#<\/b><span style=\"font-weight: 400;\"> from the <\/span><b>mobile number<\/b><span style=\"font-weight: 400;\"> linked to their account.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The service works without mobile data or the banking app, making it useful for quick transactions whenever <\/span><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/internet-services-providers-in-nigeria\/\"><b>internet access<\/b><\/a><span style=\"font-weight: 400;\"> is unavailable.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Through <\/span><b>*894#,<\/b><span style=\"font-weight: 400;\"> customers can <\/span><b>transfer money, buy airtime, pay bills,<\/b><span style=\"font-weight: 400;\"> check their account balance, and manage other account services directly from their phones.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For faster access, dial <\/span><b>*894*0# to check your balance or *894*Amount#<\/b><span style=\"font-weight: 400;\"> to recharge your registered line.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To send money to another <\/span><b>Nigerian bank account,<\/b><span style=\"font-weight: 400;\"> dial <\/span><b>*894#<\/b><span style=\"font-weight: 400;\"> and follow the prompts displayed on the screen.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The service is available across <\/span><b>Nigerian mobile networks<\/b><span style=\"font-weight: 400;\"> and works on smartphones as well as basic keypad phones.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This makes <\/span><b>*894#<\/b><span style=\"font-weight: 400;\"> a useful offline banking option for <\/span><b>First Bank customers<\/b><span style=\"font-weight: 400;\"> who need reliable access to everyday banking services without depending on an internet connection.<\/span><\/p>\n<h2><b>Popular First Bank USSD Codes and Their Functions<\/b><\/h2>\n<table style=\"height: 357px;\" width=\"678\">\n<tbody>\n<tr>\n<td><b>Service<\/b><\/td>\n<td><b>USSD Code<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Access Main Menu<\/span><\/td>\n<td><span style=\"font-weight: 400;\">*894#<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Check Account Balance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">*894*0#<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Transfer to First Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">*894*Amount*Account Number#<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Transfer to Other Banks<\/span><\/td>\n<td><span style=\"font-weight: 400;\">*894*Amount*Account Number#<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Buy Airtime for Self<\/span><\/td>\n<td><span style=\"font-weight: 400;\">*894*Amount#<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Buy Airtime for Others<\/span><\/td>\n<td><span style=\"font-weight: 400;\">*894*Amount*Phone Number#<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pay Bills<\/span><\/td>\n<td><span style=\"font-weight: 400;\">*894# \u2192 Pay Bills<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Open First Bank Account<\/span><\/td>\n<td><span style=\"font-weight: 400;\">*894# \u2192 Open Account<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Block Account \/ Card<\/span><\/td>\n<td><span style=\"font-weight: 400;\">*894# \u2192 Security Options<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">These cover the day-to-day banking services needed by respective customers.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dial from your registered number every time, and keep your <\/span><b>USSD PIN<\/b><span style=\"font-weight: 400;\"> strictly to yourself.<\/span><\/p>\n<h2><b>About First Bank Nigeria<\/b><\/h2>\n<p><a href=\"https:\/\/www.firstbanknigeria.com\/home\/about\/\" target=\"_blank\" rel=\"noopener\"><b>First Bank of Nigeria<\/b><\/a><span style=\"font-weight: 400;\"> is one of the oldest and most established financial institutions in the country, with a history stretching back over 130 years.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It serves millions of customers across retail, corporate, and digital banking, offering savings and current accounts, domestic and international <\/span><b>transfers, loans, investments, bill payments, and mobile banking.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><b>first bank mobile app<\/b><span style=\"font-weight: 400;\"> is well-equipped for more advanced banking tasks.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, <\/span><b>*894#<\/b><span style=\"font-weight: 400;\"> is what millions of Nigerians reach for when they need banking to just work quickly, reliably, and without internet.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This guide covers every <\/span><b>First Bank <\/b><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/sterling-bank-ussd-code\/\"><b>USSD<\/b><\/a><b> code<\/b><span style=\"font-weight: 400;\"> worth knowing, how to get activated, what it costs, how to fix common problems, and how to use the service safely.<\/span><\/p>\n<h2><b>What Is First Bank USSD?<\/b><\/h2>\n<p><a href=\"https:\/\/www.firstbanknigeria.com\/personal\/digital-banking\/\" target=\"_blank\" rel=\"noopener\"><b>First Bank USSD<\/b><\/a><span style=\"font-weight: 400;\"> is a <\/span><b>mobile banking service<\/b><span style=\"font-weight: 400;\"> that lets customers carry out financial transactions using short codes with no data connection required.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It&#8217;s the most practical option when you:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have poor or no internet connection.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Need to make an urgent money transfer.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Want to <\/span><b>recharge airtime<\/b><span style=\"font-weight: 400;\"> on the spot.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can&#8217;t access the <\/span><b>First Mobile app.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use a basic feature phone.<\/span><\/li>\n<\/ul>\n<p><b>USSD<\/b><span style=\"font-weight: 400;\"> is fast, secure, and works on all Nigerian SIM cards.<\/span><\/p>\n<h2><b>Main First Bank USSD Code in Nigeria<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.firstbanknigeria.com\/\" target=\"_blank\" rel=\"noopener\"><b>official First Bank USSD<\/b><\/a><span style=\"font-weight: 400;\"> code is <\/span><b>*894#<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One dial and you&#8217;re into the full menu like transfers, balance checks, airtime, bill payments, account opening, and security options.<\/span><\/p>\n<h3><b>Popular First Bank USSD Codes:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">*894# \u2014 Main menu<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">*894*0# \u2014 Check account balance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">*894*Amount# \u2014 Buy airtime for yourself<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">*894*Amount*Phone Number# \u2014 Buy airtime for others<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">*894*Amount*Account Number# \u2014 Transfer money<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">*894# \u2192 Pay Bills \u2014 Utility payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">*894# \u2192 Open Account \u2014 New First Bank account<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">*894# \u2192 Security Options \u2014 Block account or card.<\/span><\/li>\n<\/ul>\n<h2><b>How to Activate First Bank USSD Banking<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Getting started is quick and straightforward:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have an active <\/span><b>First Bank account.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use the phone number registered to your account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Make sure you have a network signal.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dial <\/span><b>*894#.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Create a <\/span><b>4-digit USSD PIN<\/b><span style=\"font-weight: 400;\"> when prompted.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">That&#8217;s everything. <\/span><b>USSD banking<\/b><span style=\"font-weight: 400;\"> is now active and available around the clock \u2014 data or no data.<\/span><\/p>\n<h2><b>Full Breakdown of First Bank USSD Codes and Their Uses<\/b><\/h2>\n<h3><b>1. First Bank Code for Transfers<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">To send money to any Nigerian bank:<\/span><\/p>\n<p><b>*894*Amount*Account Number#<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Select whether you&#8217;re sending to a <\/span><b>First Bank account<\/b><span style=\"font-weight: 400;\"> or another <\/span><b>bank,<\/b><span style=\"font-weight: 400;\"> confirm the recipient&#8217;s details, and enter your <\/span><b>PIN<\/b><span style=\"font-weight: 400;\"> to authorize.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Works with every Nigerian bank such as\u00a0 <\/span><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/zenith-bank-ussd-code\/\"><b>Zenith,<\/b><\/a><b> GTBank, UBA, <\/b><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/fcmb-ussd-codes-for-transfer\/\"><b>FCMB<\/b><\/a><b>, Fidelity, <\/b><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/polaris-bank-ussd-codes-for-transfer\/\"><b>Polaris<\/b><\/a><b>, Union, <\/b><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/wema-bank-ussd-code\/\"><b>Wema<\/b><\/a><b>, Sterling, Providus<\/b><span style=\"font-weight: 400;\">, and the rest.<\/span><\/p>\n<h3><b>2. First Bank Code for Airtime<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">For yourself: <\/span><b>*894*Amount#<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Example: <\/span><b>*894*200# <\/b><span style=\"font-weight: 400;\">to recharge <\/span><b>\u20a6200 instantly.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">For someone else: <\/span><b>*894*Amount*Phone Number#<\/b><b>.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Example: <\/span><b>*894*500*08012345678#<\/b><span style=\"font-weight: 400;\"> \u2014 the airtime lands immediately.<\/span><\/p>\n<h3><b>3. First Bank Code for Account Balance<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Dial: <\/span><b>*894*0#.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Enter your <\/span><b>PIN<\/b><span style=\"font-weight: 400;\"> if requested, and your balance shows up within seconds.<\/span><\/p>\n<h3><b>4. First Bank Code for Utility and Bill Payments<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Dial *894# and select Pay Bills from the menu to handle:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Electricity (DISCOs)<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>DSTV, GOTV, Startimes<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Mobile data subscriptions<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Internet services<\/b><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Other supported billers.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Follow the on-screen prompts through to payment confirmation.<\/span><\/p>\n<h3><b>5. Code to Block Your First Bank Account<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Phone stolen or something looks suspicious? Don&#8217;t wait:<\/span><\/p>\n<p><b>*894# \u2192 Security Options \u2192 Block Account<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Scroll to the block option and confirm. Your account is secured immediately \u2014 no one else can touch it.<\/span><\/p>\n<h2><b>Why First Bank USSD Is Popular<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">With a customer base as large as First Bank&#8217;s, the <\/span><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/palmpay-ussd-codes\/\"><b>USSD<\/b><\/a> <span style=\"font-weight: 400;\">service has to be dependable. And it is:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Works offline without any data connection<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Fast and reliable on all four major networks<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Supports <\/span><b>MTN, <\/b><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/code-for-airtel-night-plan\/\"><b>Airtel<\/b><\/a><b>, Glo, and 9Mobile<\/b><\/li>\n<li><span style=\"font-weight: 400;\">Compatible with every type of phone<\/span><\/li>\n<li><span style=\"font-weight: 400;\">PIN-protected and secure<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Available 24 hours a day, every day of the year.<\/span><\/li>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<h3><b>How to Set or Reset Your First Bank USSD PIN<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Setting it up for the first time:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dial *894#.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select Create <\/span><b>PIN<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enter a 4-digit PIN.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Confirm.<\/span><\/li>\n<\/ol>\n<h3><b>Forgotten your PIN?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dial *894#.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select Forgot PIN.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Verify via OTP.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Set a new PIN.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Non-negotiable rule: never share your PIN with anyone, under any circumstance.<\/span><\/p>\n<h2><b>First Bank USSD and Transaction Charges<\/b><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dialling *894# is free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Network providers<\/b><span style=\"font-weight: 400;\"> may charge \u20a66\u2013\u20a67 per USSD session<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transfer fees apply based on transaction volume and recipient bank, per CBN guidelines<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Airtime and bill payments<\/b><span style=\"font-weight: 400;\"> typically carry no extra bank fees.<\/span><\/li>\n<\/ol>\n<h2><b>Common First Bank USSD Errors and How to Fix Them<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>USSD not working:<\/b><span style=\"font-weight: 400;\"> Check your network signal or confirm you&#8217;re dialling from your registered SIM<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Incorrect PIN:<\/b><span style=\"font-weight: 400;\"> Reset via *894#<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Insufficient balance:<\/b><span style=\"font-weight: 400;\"> Fund your account and try again<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Session timeout:<\/b><span style=\"font-weight: 400;\"> Move to a better signal area and retry<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Transaction failed:<\/b><span style=\"font-weight: 400;\"> Double-check the recipient&#8217;s details before resending.<\/span><\/li>\n<\/ul>\n<h2><b>How to Use First Bank USSD Without the App<\/b><\/h2>\n<p><b>First Mobile app<\/b><span style=\"font-weight: 400;\"> unavailable? *894# keeps you banking without missing a beat. Dial from your registered number and you still have full access to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Balance checks<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Money transfers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Airtime purchases<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bill payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Account blocking.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This isn&#8217;t a workaround, it&#8217;s a complete, fully functional banking channel that needs no internet at all.<\/span><\/p>\n<h2><b>Is First Bank USSD Safe?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Yes. Multiple protections are baked in:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">4-digit PIN required for every transaction<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SIM-based verification\u2026 only your registered number can initiate anything<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Instant account blocking through *894# \u2192 Security Options.<\/span><\/li>\n<\/ul>\n<h3><b>Safety tips:<\/b> <span style=\"font-weight: 400;\">\u00a0<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Never share your PIN with anyone<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Block your account immediately if your phone goes missing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Always dial from your registered SIM \u2014 no exceptions.<\/span><\/li>\n<\/ul>\n<h2><b>Benefits of Using First Bank USSD<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Works offline without data<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transactions complete in seconds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No app or smartphone needed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reliable in emergencies<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accessible across Nigeria, including rural and low-connectivity areas.<\/span><\/li>\n<\/ul>\n<h2><b>Limitations of First Bank USSD<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Advanced services like loans and investments require the app<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Network session charges may apply<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sessions can timeout during peak hours<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not designed for complex financial products.<\/span><\/li>\n<\/ul>\n<h2><b>Frequently Asked Questions About First Bank USSD Codes<\/b><\/h2>\n<h3><b>1. What is the main First Bank USSD code?<\/b><\/h3>\n<p><b>*894#<\/b><\/p>\n<h3><b>2. Why is my First Bank USSD not working?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Most commonly: network issues, wrong SIM, or a brief period of service maintenance.<\/span><\/p>\n<h3><b>3. How do I check my First Bank balance?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Dial *894*0#.<\/span><\/p>\n<h3><b>4. Can I transfer money without the app?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Dial *894*Amount*Account Number# to send money to any Nigerian bank.<\/span><\/p>\n<h3><b>5. How do I block my account if my phone is stolen?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Dial *894# and navigate to Security Options.<\/span><\/p>\n<h3><b>6. Does First Bank USSD work on all networks?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes \u2014 MTN, Airtel, Glo, and 9Mobile are all supported.<\/span><\/p>\n<h3><b>7. Is First Bank USSD free?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Dialling is free. Network session charges may apply.<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><a href=\"https:\/\/www.firstbanknigeria.com\/personal\/digital-banking\/\" target=\"_blank\" rel=\"noopener\"><b>First Bank USSD codes<\/b><\/a><span style=\"font-weight: 400;\"> bring offline banking that&#8217;s fast, secure, and genuinely practical.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With <\/span><b>*894#<\/b><span style=\"font-weight: 400;\">, you can transfer money, buy airtime, pay bills, check your balance, and lock your account \u2014 all without touching the internet.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you&#8217;re on a basic phone, dealing with a poor signal, or the First Mobile app just won&#8217;t load, *894# is the option that holds up.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Reliable, accessible, and built for real banking conditions across Nigeria that&#8217;s First Bank USSD in 2026.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong>If you enjoyed this article, here are some similar posts:<\/strong><\/p>\n<p><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/wema-bank-ussd-code\/\" target=\"_blank\" rel=\"noopener\">Wema Bank USSD Code For Transfer (Updated)<\/a><\/p>\n<p><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/sterling-bank-ussd-code\/\" target=\"_blank\" rel=\"noopener\">Sterling Bank USSD Code For Transfer (Updated)<\/a><\/p>\n<p><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/zenith-bank-ussd-code\/\" target=\"_blank\" rel=\"noopener\">Zenith Bank USSD Code For Transfer (Updated)<\/a><\/p>\n<p><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/access-bank-ussd-code\/\" target=\"_blank\" rel=\"noopener\">Access Bank USSD Code For Transfer (Updated)<\/a><\/p>\n<p><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/polaris-bank-ussd-codes-for-transfer\/\" target=\"_blank\" rel=\"noopener\">Polaris Bank USSD Codes For Transfer (Updated)<\/a><\/p>\n<p><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/fidelity-bank-ussd-codes\/\" target=\"_blank\" rel=\"noopener\">Fidelity Bank USSD Codes In Nigeria (Updated)<\/a><\/p>\n<p><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/fcmb-ussd-codes-for-transfer\/\" target=\"_blank\" rel=\"noopener\">FCMB USSD Codes For Transfer (Updated)<\/a><\/p>\n<p><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/stanbic-ibtc-bank-ussd-codes\/\" target=\"_blank\" rel=\"noopener\">Stanbic IBTC Bank USSD Codes In Nigeria (Updated)<\/a><\/p>\n<p><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/union-bank-ussd-codes-for-transfer\/\" target=\"_blank\" rel=\"noopener\">Union Bank USSD Codes For Transfer (Updated)<\/a><\/p>\n<p><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/keystone-bank-ussd-codes-for-transfer\/\" target=\"_blank\" rel=\"noopener\">Keystone Bank USSD Codes For Transfer (Updated)<\/a><\/p>\n<p><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/ecobank-ussd-codes-for-transfer\/\" target=\"_blank\" rel=\"noopener\">Ecobank USSD Codes For Transfer (Updated)<\/a><\/p>\n<p><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/palmpay-ussd-codes\/\" target=\"_blank\" rel=\"noopener\">PalmPay USSD Codes In Nigeria (Updated)<\/a><\/p>\n<p><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/opay-ussd-codes\/\" target=\"_blank\" rel=\"noopener\">OPay USSD Codes Updated: Transfers, Airtime &amp; Mobile Banking<\/a><\/p>\n<p><a href=\"https:\/\/blog.giftcardstonaira.com\/posts\/moniepoint-ussd-codes-for-transfer\/\" target=\"_blank\" rel=\"noopener\">Moniepoint USSD Codes For Transfer (Updated)<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>First Bank customers can access essential banking services by dialing *894# from the mobile number linked to their account.\u00a0 The service works without mobile data or the banking app, making&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[267],"tags":[],"class_list":["post-2914","post","type-post","status-publish","format-standard","hentry","category-tutorials"],"jetpack_publicize_connections":[],"jetpack-related-posts":[{"id":2878,"url":"https:\/\/blog.giftcardstonaira.com\/posts\/access-bank-ussd-code\/","url_meta":{"origin":2914,"position":0},"title":"Access Bank USSD Code For Transfer (Updated 2026)","author":"GiftCardsToNaira","date":"July 31, 2026","format":false,"excerpt":"The main official Access Bank USSD Code is *901#. Dialing this code opens the bank's mobile banking menu, giving you access to a wide range of services without an internet connection or the mobile app. It works on every Nigerian network and every phone, which is exactly why it\u2019s so\u2026","rel":"","context":"In &quot;Tutorials&quot;","block_context":{"text":"Tutorials","link":"https:\/\/blog.giftcardstonaira.com\/posts\/category\/tutorials\/"},"img":{"alt_text":"Access Bank USSD Codes","src":"https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Access-bank-ussd-code-for-transfer.webp?fit=1200%2C1200&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Access-bank-ussd-code-for-transfer.webp?fit=1200%2C1200&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Access-bank-ussd-code-for-transfer.webp?fit=1200%2C1200&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Access-bank-ussd-code-for-transfer.webp?fit=1200%2C1200&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Access-bank-ussd-code-for-transfer.webp?fit=1200%2C1200&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2894,"url":"https:\/\/blog.giftcardstonaira.com\/posts\/sterling-bank-ussd-code\/","url_meta":{"origin":2914,"position":1},"title":"Sterling Bank USSD Code For Transfer (Updated 2026)","author":"GiftCardsToNaira","date":"August 2, 2026","format":false,"excerpt":"Banking without an internet connection is easy with Sterling Bank\u2019s *822# service.\u00a0 Dial it from the phone number linked to your account to open the bank\u2019s mobile banking menu without using internet data or the Sterling Bank app. Through *822#, customers can transfer money, purchase airtime, pay bills, check account\u2026","rel":"","context":"In &quot;Tutorials&quot;","block_context":{"text":"Tutorials","link":"https:\/\/blog.giftcardstonaira.com\/posts\/category\/tutorials\/"},"img":{"alt_text":"Sterling Bank USSD Code","src":"https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Sterling-bank-ussd-code-for-transfer.webp?fit=1200%2C1200&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Sterling-bank-ussd-code-for-transfer.webp?fit=1200%2C1200&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Sterling-bank-ussd-code-for-transfer.webp?fit=1200%2C1200&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Sterling-bank-ussd-code-for-transfer.webp?fit=1200%2C1200&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Sterling-bank-ussd-code-for-transfer.webp?fit=1200%2C1200&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2888,"url":"https:\/\/blog.giftcardstonaira.com\/posts\/zenith-bank-ussd-code\/","url_meta":{"origin":2914,"position":2},"title":"Zenith Bank USSD Code For Transfer (Updated 2026)","author":"GiftCardsToNaira","date":"August 1, 2026","format":false,"excerpt":"Everything starts with *966#. Dial it from the phone number linked to your account to open the bank\u2019s mobile banking menu.\u00a0 No internet connection or banking app is required. Through *966#, you can transfer money, purchase airtime, pay bills, check your account balance, and manage other essential banking services directly\u2026","rel":"","context":"In &quot;Tutorials&quot;","block_context":{"text":"Tutorials","link":"https:\/\/blog.giftcardstonaira.com\/posts\/category\/tutorials\/"},"img":{"alt_text":"Zenith bank ussd code for Transfer","src":"https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Zenith-bank-ussd-code-for-Transfer.webp?fit=1200%2C1200&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Zenith-bank-ussd-code-for-Transfer.webp?fit=1200%2C1200&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Zenith-bank-ussd-code-for-Transfer.webp?fit=1200%2C1200&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Zenith-bank-ussd-code-for-Transfer.webp?fit=1200%2C1200&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/07\/Zenith-bank-ussd-code-for-Transfer.webp?fit=1200%2C1200&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2903,"url":"https:\/\/blog.giftcardstonaira.com\/posts\/wema-bank-ussd-code\/","url_meta":{"origin":2914,"position":3},"title":"Wema Bank USSD Code For Transfer (Updated 2026)","author":"GiftCardsToNaira","date":"August 3, 2026","format":false,"excerpt":"Wema Bank customers can access banking services with *945# with their phone.\u00a0 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\u2026","rel":"","context":"In &quot;Tutorials&quot;","block_context":{"text":"Tutorials","link":"https:\/\/blog.giftcardstonaira.com\/posts\/category\/tutorials\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2725,"url":"https:\/\/blog.giftcardstonaira.com\/posts\/keystone-bank-ussd-codes-for-transfer\/","url_meta":{"origin":2914,"position":4},"title":"Keystone Bank USSD Codes For Transfer (Updated 2026)","author":"GiftCardsToNaira","date":"June 6, 2026","format":false,"excerpt":"The official Keystone Bank USSD code is *7111#. By dialing this code from the phone number linked to your Keystone Bank account, you can carry out a wide range of banking transactions without any internet connection. With the *7111# service, customers can transfer funds, purchase airtime, check account balances, pay\u2026","rel":"","context":"In &quot;Tutorials&quot;","block_context":{"text":"Tutorials","link":"https:\/\/blog.giftcardstonaira.com\/posts\/category\/tutorials\/"},"img":{"alt_text":"Keystone Bank USSD Codes for Transfer","src":"https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/06\/Keystone-Bank-USSD-Codes-for-Transfer.webp?fit=1200%2C1200&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/06\/Keystone-Bank-USSD-Codes-for-Transfer.webp?fit=1200%2C1200&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/06\/Keystone-Bank-USSD-Codes-for-Transfer.webp?fit=1200%2C1200&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/06\/Keystone-Bank-USSD-Codes-for-Transfer.webp?fit=1200%2C1200&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/06\/Keystone-Bank-USSD-Codes-for-Transfer.webp?fit=1200%2C1200&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2792,"url":"https:\/\/blog.giftcardstonaira.com\/posts\/polaris-bank-ussd-codes-for-transfer\/","url_meta":{"origin":2914,"position":5},"title":"Polaris Bank USSD Codes For Transfer (Updated 2026)","author":"GiftCardsToNaira","date":"June 28, 2026","format":false,"excerpt":"The primary and official Polaris Bank USSD code is *833#.\u00a0 Dial it from your registered number to carry out transfers, buy airtime, check your balance, pay bills, and manage your account, all without touching your data connection. For example, dial *833*0# to check your balance, *833*Amount# to buy airtime, or\u2026","rel":"","context":"In &quot;Tutorials&quot;","block_context":{"text":"Tutorials","link":"https:\/\/blog.giftcardstonaira.com\/posts\/category\/tutorials\/"},"img":{"alt_text":"Polaris Bank USSD Codes For Transfer","src":"https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/05\/Polaris-Bank-USSD-Codes-For-Transfer.webp?fit=1200%2C1200&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/05\/Polaris-Bank-USSD-Codes-For-Transfer.webp?fit=1200%2C1200&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/05\/Polaris-Bank-USSD-Codes-For-Transfer.webp?fit=1200%2C1200&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/05\/Polaris-Bank-USSD-Codes-For-Transfer.webp?fit=1200%2C1200&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.giftcardstonaira.com\/posts\/wp-content\/uploads\/2026\/05\/Polaris-Bank-USSD-Codes-For-Transfer.webp?fit=1200%2C1200&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/blog.giftcardstonaira.com\/posts\/wp-json\/wp\/v2\/posts\/2914","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.giftcardstonaira.com\/posts\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.giftcardstonaira.com\/posts\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.giftcardstonaira.com\/posts\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.giftcardstonaira.com\/posts\/wp-json\/wp\/v2\/comments?post=2914"}],"version-history":[{"count":6,"href":"https:\/\/blog.giftcardstonaira.com\/posts\/wp-json\/wp\/v2\/posts\/2914\/revisions"}],"predecessor-version":[{"id":2920,"href":"https:\/\/blog.giftcardstonaira.com\/posts\/wp-json\/wp\/v2\/posts\/2914\/revisions\/2920"}],"wp:attachment":[{"href":"https:\/\/blog.giftcardstonaira.com\/posts\/wp-json\/wp\/v2\/media?parent=2914"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.giftcardstonaira.com\/posts\/wp-json\/wp\/v2\/categories?post=2914"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.giftcardstonaira.com\/posts\/wp-json\/wp\/v2\/tags?post=2914"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}