USSD Code for Heritage Bank: How to Check Balance and Make Transfers

USSD Code for Heritage Bank are use for basic transactions like withdrawals, transfers, balance checking, and airtime recharge? Whether you are a new or existing customer, it is necessary to know these USSD codes for Heritage bank.

Many Bank account holders are unaware of these codes and often ask questions like: “What is USSD Code for Heritage bank transfer? “How can I buy airtime from my bank?” and “What is the USSD Code for Heritage bank for checking balance?”

If you are looking for answers to those questions or other Heritage bank mobile banking queries, you have come to the right place. This article will provide you with the Bank Code, and it will also guide you through the registration, activation, and usage process for any transactions on your Heritage account.

About Heritage Bank USSD Code

The Bank code is a special short code or set of codes created by Heritage to make banking incredibly convenient for its customers. With these codes, you can perform various transactions on your phone without the need to visit a Heritage bank branch. It is commonly referred to as the Heritage bank 745 mobile banking.

The USSD code is widely used among Nigerian banks because it not only makes banking effortless but also helps attract more loyal customers, and Heritage bank is no exception. For people living in rural areas where physical bank branches are distant and inaccessible, using the USSD code becomes the best way to bank.

The best part is that you can carry out nearly every banking transaction using the bank code. This brings us to the features of Heritage bank mobile banking.

Features of Heritage Bank USSD Code

The following are what the bank code can help you with.

  • Airtime and data purchase
  • Checking account balance
  • Money transfer to other Heritage bank accounts and other banks
  • Bill payments
  • ATM cardless withdrawals
  • Blocking ATM cards
  • Opening an account
  • Betting account funding, and lots more (keep reading to discover them and their codes).

Heritage Bank Code Requirements

Before knowing and using the Heritage USSD code, here are some requirements that need to be met.

  • You must be or are about to be a Heritage bank customer
  • You must have an identity card
  • A mobile device on which the code will be entered is required.

Once all those requirements are met, you can now use the USSD code for Heritage bank.

Heritage Bank USSD Code

The Bank Code is *745#.

The USSD Code (*745#) for Heritage bank allows you to perform various banking transactions right from your mobile phone. These transactions include transfers, withdrawals, airtime and data purchase, bill payments, checking account balance, opening an account, blocking an ATM card, and more.

When you dial the code, a pop-up will appear on your screen displaying all the listed features and others. From there, you can choose your preferred transactions and follow the prompts to complete them.

Although the Heritage bank *745# code works well for all transactions, it is worth noting that some codes are specifically designed for certain types of transactions. Below is a table containing all the Heritage bank short codes for different transactions.

[Table with Heritage bank short codes for various transactions]

List of Heritage Bank USSD Code

USSD Codes
Check Balance*745*0#
Transfer to Heritage bank Account*745*1*Amount* Account Number#
Transfer to Other Banks*745*2*Amount*Account Number#
Pay with USSD (POS & Web)*745*000*RefCode#
Airtime Top Up Self*745*Amount#
Airtime Top Up Others*745*Amount*Phone Number#
Pay Bills*745# >> Select Pay Bills
Retrieve BVN*565*0#
Block USSD*745*11#
Account Opening*745#
Change USSD PIN*745*00#

How to Activate Heritage Bank USSD Code

The following is how to easily activate the bank code on your phone.

  • Using the phone number registered with your account, dial *745*Account number# and follow the prompts
  • If you have an ATM Card, dial *745*Account Number*Last 6 digits of card#
  • Accept the USSD fee and proceed.
  • Select your ATM Card type
  • Enter your card expiry date
  • Choose the account
  • Select your 4-digit PIN
  • Enter the 4 digit PIN again to complete the registration.

Once this process is successful, you can now use the Heritage USSD code to perform any transactions of your choice.

Heritage Bank USSD Transfer Code

The Bank code for transferring money to another Heritage bank account is 7451AmountAccount Number#. For transferring money from Heritage bank to accounts in other banks, you should dial 7452AmountAccount Number#, select the recipient bank, and enter your PIN to authorize the transfer.

For instance, if you want to send N1500 to the Heritage bank account with the account number 00011111100, you would dial 7451150000011111100#. On the other hand, if you want to transfer N1500 to an account in First Bank with the account number 1000000001, you would dial 745215001000000001#, choose the option for First Bank, and then enter your PIN to complete the transfer.

Code for Checking Balance

To check your Heritage bank account balance, just dial 7450#, then enter your PIN, and your remaining account balance will be displayed on your screen.

Code for Buying Airtime

To buy airtime for your own phone number (the one linked to your Heritage bank account), use the USSD code 745amount#. If you want to buy airtime for other phone numbers or SIMs, dial 745Amount*Phone Number#.

Exactly! If you wish to recharge ₦1,000 for yourself, you can simply dial 7451000#, and your phone will be credit with a ₦1,000 recharge. If you want to recharge another phone number, for instance, 07000000001, with ₦500, you would dial 745500*07000000001#, and then enter your PIN to authorize the transaction.

Heritage Bank USSD Code for Opening an Account

The USSD code for opening a Heritage bank account is *745#. After dialing this code, you will be prompt to accept the mobile banking terms. Once you agree to the terms, you can continue to follow the prompts to proceed with opening an account with Heritage bank.

Heritage Bank BVN Code

To retrieve your Heritage bank USSD code using the USSD code on Heritage bank, simply dial 5650# and follow the on-screen instructions provided.

Heritage Bank USSD Code to Block

To block your bank account ATM debit card, use the USSD code 74511#. Dial this code, and follow the prompts to block your card and prevent unauthorized use.

Heritage Bank Code to Block Account

To deactivate your Heritage bank account, you can use the USSD code 745911#. Simply dial the code and follow the on-screen options to proceed with the deactivation process.

Heritage Bank Code is Not Working? Here’s how to fix it

If you are a new or existing bank account holder and you are experiencing issues with the USSD mobile banking code, here are some possible causes and ways to fix them:

Bad Network Connection

Exactly, network coverage issues can cause errors when using the Heritage bank USSD code for transactions. If there is no or bad network coverage, either from your mobile network provider or the bank’s network, you may receive an error message after dialing the USSD code.

To resolve this, you simply need to wait for some time and try again later.

If You are not yet Registered

Absolutely, if you have not registered and activated the bank code with the phone number you used to register your account, the USSD code may not work. To fix this issue, ensure that you have activated the bank code on your registered phone number.

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

Absolutely correct! If the SIM card you used to register your bank account is not the one you are using to dial the USSD code, it may not work. To resolve this issue, make sure you are using the correct SIM card that is linked to your bank account to dial the USSD code.


Indeed, the USSD mobile banking service is undoubtedly the fastest and easiest way to conduct banking transactions. Its convenience lies in the fact that you don’t need to visit a bank branch or even use data for these transactions.

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