You are currently viewing List of Wema Bank USSD Codes (2023)

List of Wema Bank USSD Codes (2023)

If you need a quick banking transaction, you can’t go wrong using Wema Bank USSD code

The use of these USSD codes simply brings banking services right to your fingertips.

From activating the transfer code to securely transferring funds, checking account balances, buying airtime, and even obtaining account numbers, Wema Bank USSD codes cover a wide array of banking needs. 

The convenience they provide cannot be overstated, particularly in situations where time is of the essence or traditional banking channels are not readily accessible.

This guide delves deep into the world of Wema Bank’s USSD codes, unraveling the steps to activate them, demonstrating how they work for various transactions, and providing valuable insights on ensuring the security of your interactions.

Stay with us as you learn the various USSD codes you can use to carry out various transactions as a Wema Bank customer.


Table of Contents



How To Activate Wema Bank Transfer Code

Information Required to Register or Activate Wema Bank Code

Before you embark on the journey of activating the Wema Bank Transfer Code, it’s essential to have the right information at your fingertips. 

This preliminary step ensures a smooth and seamless activation process, minimizing any potential hiccups along the way. 

Let’s explore the key pieces of information you’ll need to successfully register or activate your Wema Bank Code.

  • Your 10-digit Wema Bank account number.
  • The last 4 digits of your Wema Bank debit/ATM card.
  • The registered mobile number linked to your Wema Bank account. 
  • Fully functional mobile device (basic or smart) with sufficient battery life 

Note that this service is open to any network subscriber you might be using, MTN, Glo, 9mobile, and Airtel

Steps on How To Activate Wema Bank Transfer Code

Activating Wema Bank’s Transfer Code is your gateway to a world of streamlined banking. 


With a few simple steps, you can transform your mobile device into a powerful tool for managing your finances on the go. 

Let’s dive into the activation process and guide you through each step:

  • On your registered mobile phone that is connected to your WEMA Bank account, open the dialer and  dial the code *945# 
  • After dialing the code, a menu of options will appear on your screen.
  • Follow the on-screen prompts by selecting the option to activate the transfer code
  • Add your bank account from which you want to make transactions.
  • Set a PIN for your transfer code
  • Confirm your PIN to complete the activation process.


How To Transfer Money Using Wema Bank Transfer Code

Transferring money has never been more convenient than with Wema Bank’s Transfer Code. 

Say goodbye to traditional methods and welcome a streamlined process that allows you to send funds swiftly to other accounts, whether within Wema Bank or across different banks from your fingertip. 

Here’s a step-by-step guide on how to make money transfers using the Wema Bank Transfer Code

How To Transfer Money To Another Wema Bank

  • On your registered mobile phone, open the dialer.
  • Dial the Wema Bank transfer code USSD, *945#, and press the call button.
  • After dialing the code, a menu of options will appear on your screen.
  • Choose the option to transfer to a Wema Bank account.
  • You might need to input the recipient’s Wema Bank account number or select from a list of your own linked accounts.
  • Enter the amount you wish to transfer to the recipient’s Wema Bank account.
  • Review the transaction details, including the recipient’s account number and the transfer amount.
  • Then input your Transfer Code PIN to confirm the transaction.

How To Transfer Money To Other Banks 

  • Dial the Wema Bank transfer code USSD, *945# to initiate the process 
  • Choose the option to transfer to other banks from the list of menu 
  • Input the recipient’s bank and account number 
  • Enter the amount you wish to transfer 
  • Review the transaction details, including the recipient’s name, account number, and the transfer amount.
  • Input your transfer code PIN to confirm the transaction.

Alternatively, you can use the code *945*accountNo*amount# and follow the prompt to transfer money to either Wema Bank or other banks.


How To Deactivate Wema Bank Code

If you wish to deactivate or stop using the Wema Bank transfer code for any reason, you can follow these steps to ensure that the service is disabled. 

Remember that deactivating the code will prevent you from using it for future transactions. 

Here’s how you can deactivate the Wema Bank Transfer Code:

  • Dial *945*911# from any phone number.
  • Enter the registered phone number you wish to deactivate

With that, your USSD profile will be deactivated/blocked automatically.


List Of Wema Bank USSD Codes

Here is a list of USSD codes for various banking transactions with Wema Bank

FunctionUSSD Code
Check Account balance *945*0#
Transfers (Wema account and other banks) *945*accountNo*amount#
Change Your PIN *945*00#
Change Account Number*945*2*oldacctno*newacctno# 
Get your Account Number*945*000#
Account opening *945*1#
BVN management *945*4#
Block Account *945*911#
Account Reactivation*945*5#
Send Money to phone*945*6*amount#
Airtime (self) *945*amount#
Airtime (others) *945*phoneNo*amount#
Airtime/Data *945*9#
Requests for loans *945*100#
Quick loan*945*65#
Cable TV menu *945*10#
DSTV   *945*11# and *945*11*smartcardNO#
GOTV *945*12# and *945*12*smartcardNO# 
Internet service menu *945*15#
Smile *945*16#
Spectranet *945*18#
Electricity bill *945*24#
Eko *945*25*meterno*amount#
Ikeja *945*26*meterno*amount#
Ibadan *945*27*meterno*amount#
Abuja *945*28*meterno*amount#
Enugu *945*29*meterno*amount#
Jos  *945*30*meterno*amount#
Kaduna  *945*31*meterno*amount#
Kano  *945*32*meterno*amount#
Portharcourt  *945*33*meterno*amount#
WAEC (result checking)  *945*70#
JAMB (result checking) *945*71#
Lagos state collection   *945*40#
Cardless transactions Using Mcash   *945*57# and *945*57*merchantcode*amount# 
Cardless transactions using Coralpay   *945*58# and *945*000*REFno# 
Check BVN *565*0#
Link BVN to account*945*BVN#
Enable or Disable your card at will*945*10*Last four digits of Card#
Receive Western Union transfer*945*MTCN*Amount#


wema bank ussd code

How To Use Wema Bank USSD Code For Various Transactions

Wema Bank’s USSD code (*945#) offers a gateway to a range of convenient banking transactions. 

Whether you’re transferring funds, checking balances, or even requesting loans, this versatile code streamlines your financial interactions. 

Here’s a guide on how to use the Wema Bank USSD code for various transactions:

  1. Check Balance:
  • Dial *945*0# on your registered mobile phone.
  • Follow the prompts to access your account balance instantly.
  1. Airtime Recharge:
  • For yourself, dial *945*Amount# (e.g., *945*500#) on your mobile phone.
  • And if for others, dial, *945*phoneNo*amount# 
  • Click the send button and follow the prompt to recharge your phone
  1. Transfer Money to Wema Bank Account:
  • Dial *945*AccountNumber*Amount# on your mobile phone.
  • Confirm the recipient’s account number, name, and transaction amount.
  • Input your Transfer Code PIN to complete the transfer.
  1. Transfer to Other Banks:
  • Dial *945*AccountNumber*Amount# on your mobile phone.
  • Choose the recipient’s bank from the list provided.
  • Confirm transaction details &
  • Enter your Transfer Code PIN.
  1. Pay Bills and Merchants:
  • Dial *945*BillerID*SmartCardNo*Amount# on your mobile phone.
  • Pay bills to partnered billers or merchants by providing the biller’s ID.
  1. Change PIN:
  • Dial *945*00# on your mobile phone.
  • Follow the prompts to change your Transfer Code PIN for added security.
  1. Loan Requests:
  • Dial *945*65# or *945*100# from your registered phone 
  • Initiate a loan request from Wema Bank.
  1. Open a Wema Bank Account:
  • Dial *945*1# on your mobile phone.
  • Begin the process of opening a new account with Wema Bank.

These steps demonstrate the versatility and ease of the Wema Bank USSD code. By dialing *945# and navigating through the options, you can perform an array of banking tasks without the need for internet access or a visit to a branch.

Remember, always use the registered mobile number associated with your Wema Bank account when using these USSD codes. If you encounter any issues or require assistance, don’t hesitate to contact Wema Bank’s customer service for guidance.


Tips On How To Ensure The Security Of Your Transactions

While Wema Bank’s USSD code (*945#) provides unparalleled convenience for your banking transactions, it’s essential to prioritize the security of your financial interactions. 

Safeguarding your transactions ensures that your funds and personal information remain protected. 

Here are some valuable tips to help you maintain the security of your transactions when using the Wema Bank USSD code:

  1. Keep Your PIN Confidential:

Your Transfer Code PIN is your personal key to accessing your account. Never share it with anyone, and avoid using easily guessable numbers like birthdays or sequential digits.

  1. Beware of Phishing Attempts:

Wema Bank will never request your PIN or personal information through SMS, email, or phone calls. Be cautious of unsolicited communications asking for such details.

  1. Use Secure Devices:

Conduct your transactions only from secure and trusted devices. Avoid using public wifi or shared devices for banking purposes.

  1. Regularly Update Your PIN:

Change your Transfer Code PIN periodically. This prevents unauthorized access to your account even if your PIN has been compromised.

  1. Activate Transaction Alerts:

Enable transaction alerts to receive SMS notifications for every transaction on your account. This helps you monitor your account activity closely.

  1. Verify Recipient Details:

Double-check recipient account numbers and transaction details before confirming transfers. Mistakes can lead to funds being sent to the wrong account.

  1. Keep Your Mobile Phone Secure:

Ensure your mobile phone is locked with a secure PIN or biometric authentication. This prevents unauthorized access to your phone and banking information.

  1. Avoid Sharing Credentials:

Avoid sharing your USSD banking credentials, such as your phone’s SIM card, with others. Keep your mobile banking access exclusive to you.

  1. Regularly Monitor Your Account:

– Periodically review your account statements to spot any unauthorized transactions. Report any discrepancies to Wema Bank immediately.

  1. Educate Yourself:

Stay informed about common types of scams and fraud in the digital space. Awareness is your best defense against potential threats.

Frequently Asked Questions

What is Wema Bank USSD Code?

The Wema Bank USSD Code is *945#. It is a short, easy-to-remember number sequence that allows Wema Bank customers to access a variety of banking services and conduct transactions using their mobile phones.

How to Register Wema Bank USSD Code:

To register for the Wema Bank USSD Code, follow these steps:

  • Dial *945# from your registered mobile number.
  • Follow the on-screen prompts to set up your Transfer Code PIN and complete the registration process.

What is Wema Bank USSD Code to Check Balance?

  • To check your account balance using the Wema Bank USSD Code, dial *945*0# from your registered mobile phone. 
  • Follow the prompts to receive your account balance details.

What is Wema Bank USSD Code for Transfer?

  • The Wema Bank USSD Code for transferring funds is *945*accountNo*amount# . 
  • You can initiate transfers to both Wema Bank accounts and accounts in other banks using this code.

Why is Wema Bank USSD Code Not Working?

If you are experiencing issues with the Wema Bank USSD Code, ensure that you are using the correct code (*945#) Sometimes you might need to wait, it might be network issues. If the issue persists, contact Wema Bank customer service for assistance.

How to Setup Wema Bank Transfer PIN:

To set up your Wema Bank Transfer Code PIN, follow these steps:

  • Dial *945# from your registered mobile number.
  • Choose the option to set up your Transfer Code PIN.
  • Follow the prompts to create a unique and secure PIN for your transactions.

How to Change Wema Bank Transfer PIN:

To change your Wema Bank Transfer Code PIN, follow these steps:

  • Dial *945# from your registered mobile number.
  • Select the option to change your Transfer Code PIN.
  • Follow the prompts to update your PIN to a new one for enhanced security.

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The List of Wema Bank USSD Codes stands as a beacon of innovation in the banking industry. 

With these codes, Wema Bank empowers you to take charge of your financial journey with a level of control and accessibility that sets a new standard. 

As you navigate the intricacies of modern finance, remember that Wema Bank’s USSD Codes are your trusty companions, simplifying your interactions and ushering in an era of convenience that truly reflects the pulse of the times.


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