Bank codes in Nigeria, checked and in one place
USSD codes, sort codes and SWIFT codes for Nigerian banks and fintech apps, checked by hand against each provider's own page.
Banks and fintech apps
Banks
- Access Bank
- Ecobank
- FCMB
- Fidelity Bank
- First Bank
- GTBank
- Stanbic IBTC
- Sterling Bank
- UBA
- Union Bank
- Wema Bank
- Zenith Bank
Fintech apps
- Kuda
- Moniepoint
- MTN MoMo
- OPay
- PalmPay
What is a bank code?
"Bank code" means different things depending on who is asking. Most people in Nigeria mean the USSD code: the short string you dial, like *894#, to check a balance, buy airtime or send money without data. Each bank has its own, and many only work from the phone number registered on your account.
A sort code is a nine-digit number that identifies a specific bank branch inside the Nigerian clearing system. You rarely type it for a mobile transfer, but employers, cheque clearing and some older forms still ask for it. The first three digits are the bank's CBN code.
A SWIFT code (or BIC) identifies a bank internationally. You need it when receiving money from abroad, for example a salary from a foreign client. It is eight or eleven letters and numbers, and it is the same for most branches of one bank.
In short: USSD codes are for using your account from your phone, sort codes are for local clearing, and SWIFT codes are for international transfers. Every code on this site shows the date we last checked it and a link to where we checked.