Ecobank USSD Transfer Code- It’s Features, Benefits and Activation

If you are banking with Ecobank of Nigeria, the Ecobank USSD Transfer Code is important. Many customers, both new and old, might not be familiar with Ecobank’s mobile banking via USSD.

As a result, they often ask questions like, “What is Ecobank’s USSD code for transfer?” or “What code can I use to buy airtime from Ecobank?” and “What is the Ecobank USSD code for checking balance?”

If you are seeking answers to these questions or any other related mobile banking questions for Ecobank, read this article as it provides you with the Ecobank USSD code and guide you on how to register, activate, and use it for transactions on your account.

About Ecobank USSD Code

The Ecobank USSD code is a special short code or set of short codes created by Ecobank to make banking easy and accessible for its customers.

By using the USSD code for Ecobank, you can carry out various banking transactions on your mobile phone without having to visit a physical Ecobank branch.

Many bank customers prefer the USSD code due to its user-friendly nature. Mobile banking has made it possible for people, even in rural areas, to conduct simple transactions without visiting distant bank branches.

The Ecobank mobile banking via USSD is impressive as it allows you to perform almost any banking transaction with the Ecobank code. Now, let’s look at the features of Ecobank mobile banking.

Features of Ecobank USSD Code

The following are what the Ecobank USSD code can help you with.

  • Opening an account
  • Money transfer to other Ecobank accounts and other banks
  • Airtime and data purchase
  • Checking account balance
  • Bill payments
  • Blocking ATM cards, and lots more.

Benefits of Ecobank USSD Code

If it does not serve a beneficial purpose, the Eco bank USSD code won’t be created in the first place. Here is why the Ecobank code is the best banking solution for customers.

  • Fast and easy transactions
  • It features almost all kinds of financial transactions.
  • It Saves customers from the stress of going to banks for simple transactions such as transfers, and bill payment.
  • Works on all types of mobile phones.
  • You don’t need an internet connection to carry out transactions.

Although that’s not all, let’s see the USSD code for Ecobank, and how to activate and use it.

The Ecobank USSD Code

The Ecobank USSD code is *326#, and it allows you to perform various banking transactions directly from your phone. These transactions include transfers, withdrawals, purchasing airtime and data, checking account balance, opening an account, blocking an ATM card, and more.

When you dial *326#, a menu with all the listed features and others will appear on your screen. Simply follow the prompts to use any of these services.

Below is a table containing the Ecobank USSD code for different types of transactions and how to use them.

List of Ecobank USSD Code

TransactionsCode to Dial
Check Balance*326# > select the option to check balance
Transfer to Ecobank/others*326# > select the option to transfer fund
Airtime Top Up for Self/Others*326# > select the option to buy airtime
Data Purchase*326# > select the option to buy data
Account Opening*326#
Pay Bills*326# > select the option to pay bill
Retrieve BVN*565*0#
Hotlist ATM Card*326# > select the option to manage card

How to Activate Ecobank USSD Code

Now that you have known the Ecobank USSD codes for specific transactions, in order to use the codes, you will need to activate the *326# USSD code first.

Here is a step-by-step guide on how to activate the USSD code for Ecobank.

  • Using the phone number registered with your account, dial *326#.
  • Choose the debit card linked to your account, or select the “Create PIN” option. 
  • Fill in the required details and proceed.
  • Now, verify you are the account owner and create your 4 digits PIN. 
  • Enter the PIN once again to confirm, and the registration is complete.

Once you are registered and activated the Ecobank USSD code, you can now perform any transactions using the general code or short code.

Ecobank USSD Transfer Code

The Ecobank USSD code to transfer money from Ecobank to Ecobank and from Ecobank to other banks *326# then select the “Transfer Fund” option and follow the prompts.

Ecobank USSD Code for Checking Balance

To check your Ecobank account balance, just dial *326#, then select the “Check Balance” option from the menu. Your remaining account balance will be displayed on your screen. It is a quick and easy way to stay updated on your finances.

Ecobank USSD Code for Buying Airtime

The Ecobank USSD code to buy airtime for yourself (SIM linked with your Ecobank account) is *326# then select the “Airtime Top Up” option, enter the amount you want to recharge, enter the phone to recharge, then enter your PIN.

Ecobank USSD Code for Buying Data

The Ecobank code to buy data for any number (for self or others) is *326# then follow the prompts and enter your pin to get the data bundle.

Ecobank USSD Code for Opening an Account

The USSD code for Ecobank account opening is *326#, accept the mobile banking terms and continue to follow the prompts to open an account with Ecobank.

Ecobank USSD Code for Bill Payments

To pay bill with the code dial *326#, select the pay bills option, then select biller, and follow the prompts.

Ecobank BVN USSD Code

To retrieve your Eco bank USSD code using the USSD code on Ecobank, simply dial *565*0#.

Ecobank USSD Code Not Working? Here’s How to Fix it

Whether you are a new or old Ecobank account holder, and you have been dialing the USSD mobile banking code for Ecobank and it’s not working, below are some causes and how to fix them.

Bad Network Connection

When there is little or poor network coverage, either from your mobile network provider or the bank’s network, you might encounter an error message after dialing the Ecobank USSD for transactions. In such situations, you should wait for some time and then try again.

You are Not Yet Registered or Haven’t Activated the USSD Code

If you haven’t registered and activated the Ecobank code with the phone number linked to your account, the Ecobank USSD code may not function properly. To resolve this, ensure that you activate the Ecobank USSD code on the phone number associated with your account.

You are Dialing the USSD code on an Unlinked/Wrong Phone Number

If the SIM you registered your account number with is not used to dial the code, it may not work. To fix this, make sure you are using the correct line.

USSD Code for Ecobank – FAQs

How can I get USSD Code for Ecobank?

The USSD code for Ecobank mobile banking is *326#.

How do I set up Ecobank Mobile Banking?

You can at up your Ecobank USSD mobile banking by simply dialing *326# using the phone number/sim registered with your Ecobank account, select your preferred debit card, and follow the prompts.

How can I Check my Ecobank Details?

You can check your Ecobank details by simply dialing *326# and select Check Balance, then your Ecobank Bank details including account balance, and account statement will pop up on your screen, and sent to your line.


You are welcome! Indeed, the Ecobank mobile banking service via USSD has made banking more accessible to customers across the country, eliminating the need to visit a physical bank branch.

By following the information in this comprehensive post about the USSD code for Ecobank, you should now know how to activate the Ecobank USSD code and use it for various transactions.

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