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First Bank USSD code *894# and transfer code

The First Bank USSD code is *894#. To transfer, dial *894*Amount*AccountNumber#, choose the recipient's bank and confirm with your 5-digit PIN. Before first use, register on *894*0# with your debit card. FirstBank calls this service Quick Banking, and dialling *894# alone opens a full menu.

*894#Dial

Verified 12 Oct 2026Official source

All First Bank codes

  • Action
    Airtime
    Code
    *894*Amount#
    Notes
    Airtime for yourself. For others: *894*Amount*PhoneNumber#.
  • Action
    PIN
    Code
    *894*0#
    Notes
    Register or reset your 894 PIN. Needs a debit card linked to your account and its 4-digit PIN.
  • Action
    Transfer
    Code
    *894*Amount*AccountNumber#
    Notes
    Transfer to FirstBank or other banks. Register first with *894*0#. Confirm with your 5-digit PIN.

FirstBank transfer code

Dial *894*Amount*AccountNumber#. Amount comes first, then the 10-digit account number. The menu then asks you to choose the beneficiary's bank, so the same code works for FirstBank and other banks. Confirm the name it shows before entering your PIN.

FirstBank says recipients are credited instantly with an alert, and the service works on any phone, from a smartphone to a basic 'kpalasa' handset.

The First Bank transfer code works the same whether the money goes to another FirstBank account or to a different bank. For example, *894*5000*0123456789# starts a ₦5,000 transfer to that account. You then pick the beneficiary's bank, check the name and approve with your 5-digit Quick Banking PIN, not your card PIN.

If *894*Amount*AccountNumber# returns an error before asking for a bank, you are probably not registered yet, or you are dialling from a number FirstBank doesn't have on file for SMS alerts. Register once on *894*0#. If a large transfer is declined, check your limit under Limit Management in the *894# menu.

Registering: you need a debit card

This is where FirstBank differs from banks that let you self-register with just a phone number. Dial *894*0#, choose 'Register for 894 Banking', pick one of your masked debit cards, enter that card's 4-digit PIN, then create a separate 5-digit Quick Banking PIN. Without a linked debit card and a phone number profiled for SMS alerts, registration won't complete.

Forgotten the 5-digit PIN? The same *894*0# menu has a reset option that again uses your card PIN.

Increasing your First Bank transfer limit

The *894# menu includes a Limit Management option. FirstBank hasn't published the default limits or a direct shortcut on its USSD page, so open the menu to see what your account allows. Savings accounts in lower tiers, like FirstGem, carry caps on balances and deposits that also affect what you can move.

Frequently asked questions

What is the First Bank transfer code?
*894*Amount*AccountNumber#. Choose the recipient's bank and confirm with your 5-digit PIN.
How do I do a FirstBank transfer by USSD to another bank?
Use the same *894*Amount*AccountNumber# string and select the other bank from the list that appears.
Which PIN does the First Bank transfer code use?
The 5-digit Quick Banking PIN you create when registering on *894*0#, not your 4-digit card PIN.
Why does the First Bank transfer code not work?
Usually because you haven't registered on *894*0#, or you're dialling from a number that isn't profiled for SMS alerts on your FirstBank account.
How do I increase my transfer limit on First Bank?
Dial *894# and choose Limit Management from the menu.
What is the First Bank savings account transfer limit?
FirstBank doesn't publish a single figure on its USSD page. Check Limit Management on *894#. Tiered accounts like FirstGem also cap deposits and balances.
How do I register for FirstBank USSD?
Dial *894*0#, select your debit card, enter its 4-digit PIN and create a 5-digit Quick Banking PIN.