How to buy airtime directly from your bank account with your mobile phone

Imagine you found yourself stranded in an area where you have no access in purchasing airtime or you don't even have a penny at that moment to purchase an airtime,  no access to an ATM machine, not even a data to puchase topup airtime credit online, but you have money in your bank account, all you simply need to do is dial the recharge ussd code for purchasing airtime credit from your bank account.
the amount of airtime credit you purchase will be deduted from your bank account and replace with money on you mobile phone.

Photo credit: Gurubest.com


Buying airtime credit directly from your bank account is as simple as drinking a glass of water.

Have this in mind  that


  •  Customers of the following bank can only purchase airtime with the GSM number registered with the bank.
  • This service is available for MTN, GLO, AIRTEL and ETISALAT networks.


Below are the list of supported bank, their ussd code and daily limit.

Guaranty Trust Bank (GTB) USSD Recharge Code

For self recharge Simply dial *737*amount# on your phone
E.g. *737*1000# to buy airtime.

To buy for a family, friend  and other number using your bank account simply dial *737*Amount*Recipient’s number# E.g. *737*1000*08123456789#

Daily limit: 5,000.

Fidelity Bank USSD Recharge code

For self-recharge,
dial *770*Amount#

E.g. *770*1000#

Buy airtime for Family and Friends or other number dial *770*Phone No*Amount#
E.g. *770*08123456789*1000#

Daily limit: 5,000.

First Bank USSD Recharge code

Simply dial *894*amount# on your device.
E.g *894*1000#
Daily limit N3000

Sterling Bank USSD Recharge code

Dial *822*amount#
E.g. *822*1000#

Skye Bank USSD Recharge code

Dial *833*amount #

E.g *833*08104575899#


United Bank of Africa (UBA) USSD Recharge code

Dial *389*033*1*Amount#

EcoBank USSD Recharge code
Dial *326*Amount#
Daily limit N5,000

Zenith Bank USSD Recharge code
Dial *966*Amount# or *302*Amount#(for Mtn users only)

E.g *302*1000#
Daily limit N5,000

Stanbic Bank USSD Recharge code
*909*Amount#

Daily limit N5,000

Access Bank USSD Recharge code
*901*Amount#
Daily limit N5,000

First City Monument Bank(FCMB) USSD Recharge code
*389*214*Amount#
Daily limit N

Wema Bank USSD Recharge code
Dial *322*035*Amount#

Diamond Bank USSD Recharge code

*302*Amount#
Example *302*100#

For Mtn yellow customers only, dial *710*555*phone number*Amount#
Example *710*555*08104362983*300#
Daily limit N3,000.

Unity Bank USSD Recharge code

*322*215* amount#

Heritage Bank USSD Recharge code

*322*030*Amount#

Example *322*030*Amount#

Keystone Bank USSD Recharge code
*322*082*Amount#

Union Bank USSD Recharge code

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