5 Easy Ways To Safely Transfer Money In Nigeria

With the ever-growing cashless economy and the insecurity accompanied by carrying wads of cash around, the need to transfer money in Nigeria across different banks to settle bills or as gifts to friends, families, or business partners is on the rise.

With a smartphone and an internet connection, you can download your bank’s mobile banking app (virtually every bank has a mobile banking app) on PlayStore or App store, create an online banking account, log in to your account with the app, and transfer money.

Without a smartphone and internet connection, you can use the personalized USSD code of your bank by dialing the code on your bank-registered sim card to transfer money safely and stress-free.

Quick Guide: 5 Easy Ways To Safely Transfer Money In Nigeria

Download the mobile banking app of your bank from PlayStore or App store
Create an online banking account
Sign in to the account through the app and follow the prompts to transfer money

OR

Search for the personalized USSD code to transfer money to your bank
Dial in the code with your bank-registered sim card
Follow the prompt and send money

How to transfer money from First bank

To transfer money from your First bank account to another First Bank account or to other banks, you would have to use either the FirstBank mobile app “FirstMobile” or use FirstBank’s personalized USSD code which comes with a small fee of N6.98 per transaction. However, you wouldn’t need an internet connection if you use the mobile app.

To use the mobile app ‘FirstMobile’ follow these steps

Download the “FirstMobile” app on PlayStore or App store
Create an online banking account
Log in to the mobile app
Click on ‘transfers’ upon login and follow the prompt

To use the USSD code

Dial *894*Amount*Account Number#
Follow the prompt and select to send money to the same bank or other banks
Supply your mobile banking pin and complete the transaction

How to transfer money from Access bank

With your registered bank sim card and a mobile phone, you can transfer money to Access bank without an internet connection. However, this comes with a bank charge of N6.98 which you can avoid if you use the Access Bank online banking app “AccessMobile” which requires an internet connection.

To use the mobile app ‘AccessMobile’ follow these steps

Download the ‘AccessMobile’ app on PlayStore or App store
Create an online banking account
Log in to the mobile app
Click on ‘access transfers’ or ‘other bank transfers’ upon login and follow the prompt

To use USSD code

Dial *901*1*AMOUNT*NUBAN Account Number# to transfer money to an Access bank account
Supply your mobile banking pin and complete the transaction

Dial *901*2*AMOUNT*NUBAN Account Number# to transfer money to other banks
Supply your mobile banking pin and complete the transaction

How to transfer money from Zenith bank

Transferring money from your Zenith bank account doesn’t come any easier as you can use either a USSD code which does not require an internet connection but with a charge of N6.98 or the Zenith bank mobile banking app ‘ZenithMobile’ which requires an internet connection.

To use the mobile app ‘ZenithMobile’ follow these steps

Download the ‘ZenithMobile” app on PlayStore or App store
Create an online banking account
Log in to the mobile app
Click on ‘transfers’ upon login and follow the prompt

To use the USSD code

Dial *966*Amount*Account Number#
Follow the prompt and select to send money to the same bank or other banks
Supply your mobile banking pin and complete the transaction

How to transfer money from UBA

UBA relieves you of the stress of visiting the bank or an ATM stand to transfer money. With its 24/7 mobile banking app ‘UBAMobile’ which requires an internet connection you can transfer money with ease regardless of location.

To use the mobile app ‘UBAMobile’ follow these steps

Download the ‘UBAMobile’ app on PlayStore or App store
Create an online banking account
Log in to the mobile app
Click on ‘Send Money’ upon login and follow the prompt to send money to a UBA account or to other banks.

To use the USSD code

Dial *919*3*account number*amount# to transfer money to a UBA bank account
Supply your mobile banking pin and complete the transaction

Dial *919*4*account number*amount# to transfer money to other banks
Supply your mobile banking pin and complete the transaction

How to transfer money from GTB

GTB guarantees you ease in transferring money to a GTB account or to other banks. With its USSD code, you can transfer money without an internet connection but with a charge of N6.98 per transaction.

GTB also provides an operational 24/7 mobile banking app ‘GTWorld’ that requires an internet connection.

To use the mobile app ‘GTWorld’ follow these steps

Download the ‘GTWorld’ app on PlayStore or App store
Create an online banking account
Log in to the mobile app
Click on ‘Transfers’ upon login and follow the prompt to send money to a UBA account or to other banks.

To use the USSD code

Dial *737*1*Amount*NUBAN Account Number# to transfer money to a GTB account
Supply your mobile banking pin and complete the transaction

Dial *737*2*Amount*NUBAN Account Number# to transfer money to other banks
Supply your mobile banking pin and complete the transaction

The Best Apps to Transfer Money in Nigeria

1. SwiftBills

SwiftBills is a platform that allows you to transfer money without having to go through the stress of traditional banking 24/7. To use Swiftbills you only need to visit their website, create an account with them, deposit money into your SwiftBills wallet and transfer money to different banks with ease.

The fear of scams is eliminated as Swiftbills’ banking partners are duly registered and regulated with the CBN to provide financial services. Its readily available and responsive customer service also provides support when you face challenges while using SwiftBills to transfer money.

2. Mobile Banking Apps

Virtually every commercial and microfinance bank has an app where you can transfer money stress-free if you have an account with them. Regardless of your location and proximity to your bank, with an internet connection, a signed-up, and a verified online banking account you can transfer money to settle your bills with ease.

Some Microfinance banks like Kuda do not have branches in a number of states in Nigeria but with its mobile banking app, you can transfer money with ease.

These mobile banking apps also provide responsive customer service which helps answer and fix any issues you might encounter while using the app; totally saving you from the stress of visiting the bank.

Code to Transfer Money for All Banks in Nigeria

The table below consists of 16 personalized USSD codes to transfer money from your bank account to a bank account that uses the same bank or to other banks of your choice. By dialing the USSD code on your mobile phone with your bank-registered sim card, you can send money without an internet connection.

Bank	USSD Code For Same Bank	USSD Code For Other Banks
Access	9011AMOUNTNUBAN Account Number#	9012AMOUNTNUBAN Account Number#
Sterling	8224AmountAccount Number#	8225AmountAccount Number#
UBA	9193account numberamount#	9194account numberamount#
GTB	7371AmountNUBAN Account Number#	7372AmountNUBAN Account Number#
Wema	945Account Number*Amount#	945Account Number*Amount#
Ecobank	*326#	*326#
Fidelity	770Account*Amount#	770Account*Amount#
FCMB	329Amount*Account Number#	329Amount*Account Number#
FirstBank	894Amount*Account Number#	894Amount*Account Number#
Heritage	7451AmountAccountNumber#	7452AmountAccount Number#
Keystone	711Amount*Nuban Account Number#	711Amount*Nuban Account Number#
Polaris	833AMOUNT*Account Number#	833AMOUNT*Account Number#
Stanbic IBTC	90911AmountAccount Number#	90922AmountAccount Number#
Union	8261AmountAccount Number#	8262AmountAccount Number#
Unity	77991Account NumberAmount#	77992Account NumberAmount#
Zenith	966Amount*Account Number#	966Amount*Account Number#

FAQs: How To Transfer Money From A Bank In Nigeria

How To Transfer Money From GTB Without An ATM Card?

To transfer money from GTB without an ATM card you can either use its personalized USSD code (*737*1*Amount*NUBAN Account Number#) or download its mobile banking app ‘GTWorld’ if you already have an online banking account.

How To Transfer Money From Ecobank Without An ATM Card?

To transfer money from Ecobank without an ATM card you can either use its personalized USSD code or download its mobile banking app ‘EcoMobile’ if you already have an online banking account.

How To Transfer Money From First Bank Without An ATM Card?

To transfer money from FirstBank without an ATM card you can either use its personalized USSD code or download its mobile banking app ‘FirstMobile’ if you already have an online banking account.

Transfer Money Easily

Transferring money in Nigeria has been made easy with 2 methods. With a smartphone, you can download your bank’s mobile banking app on either the Playstore or the App store and send money from the comfort of your lounge or bed, regardless of your location with an internet connection.

You need not worry if you do not have a smartphone or lack a proper internet connection as your bank provides a personalized USSD code that allows you to send money with a little charge of N6.98 per transaction.

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5 Easy Ways To Safely Transfer Money In Nigeria