Wema Bank USSD code *945#, including for ALAT
The Wema Bank USSD code is *945#, and it also covers ALAT, Wema's digital bank. To transfer, dial *945*AccountNumber*Amount#. Check your balance with *945*0#. Register first with *945*01# using your account number, date of birth and a new 4-digit PIN.
*945#DialVerified 12 Oct 2026Official source
All Wema Bank codes
| Action | Code | Notes |
|---|---|---|
| Airtime | *945*Amount# | Airtime for yourself. For others: *945*PhoneNumber*Amount#. |
| Balance | *945*0# | Check balance |
| Block account | *945*911# | Restrict your account. Wema's help centre lists *945*991#; the main site lists *945*911#. |
| BVN | *945*4# | BVN management |
| Data | *945*9# | Airtime and data menu |
| PIN | *945*00# | Change PIN |
| Transfer | *945*AccountNumber*Amount# | Transfer to Wema or other banks. Register first with *945*01#. |
- Action
- Airtime
- Code
- *945*Amount#
- Notes
- Airtime for yourself. For others: *945*PhoneNumber*Amount#.
- Action
- Balance
- Code
- *945*0#
- Notes
- Check balance
- Action
- Block account
- Code
- *945*911#
- Notes
- Restrict your account. Wema's help centre lists *945*991#; the main site lists *945*911#.
- Action
- BVN
- Code
- *945*4#
- Notes
- BVN management
- Action
- Data
- Code
- *945*9#
- Notes
- Airtime and data menu
- Action
- PIN
- Code
- *945*00#
- Notes
- Change PIN
- Action
- Transfer
- Code
- *945*AccountNumber*Amount#
- Notes
- Transfer to Wema or other banks. Register first with *945*01#.
Wema, ALAT and *945#
ALAT is a digital bank run by Wema, not a separate bank. An ALAT account is a Wema account, so *945# works for it too. Wema says *945# can even make POS payments without a Wema or ALAT card. If someone asks for your 'ALAT bank' when sending money, choose Wema Bank.
Wema Bank code for transfer
*945*AccountNumber*Amount# works for Wema and other banks. Like UBA, Wema puts the account number before the amount, which catches out people used to GTBank's order.
In practice the Wema Bank code for transfer looks like *945*0123456789*5000# to send ₦5,000 to that account. Wema calls it one code for Wema accounts and other banks, so you don't swap digits for an inter-bank payment the way you do with UBA or GTBank. Confirm the recipient name the menu shows, then enter the 4-digit PIN you set at registration.
If you bank through the ALAT app, the transfer code is the same, because ALAT accounts are Wema accounts. Dial from the phone number linked to your account. If the code asks you to register, complete *945*01# first. You'll need your account number and date of birth, but no card.
Registering on *945*01#
Wema's registration doesn't need a card. Dial *945*01#, enter your account number and date of birth (DD-MM-YYYY), then choose and confirm a 4-digit PIN. Change it later on *945*00#.
Restricting your account
Wema's main USSD page lists *945*911# to restrict your account, but its help centre lists *945*991#. If one fails, try the other and call Wema straight away.
Frequently asked questions
- What is the Wema Bank code for transfer?
- *945*AccountNumber*Amount#.
- Is the Wema Bank code for transfer the same for other banks?
- Yes. Wema lists *945*AccountNumber*Amount# for both Wema accounts and other banks.
- Can I use the Wema transfer code for my ALAT account?
- Yes. ALAT accounts are Wema accounts, so *945*AccountNumber*Amount# works from the linked phone number.
- What is the Wema Bank code?
- The Wema Bank USSD code is *945#. It works for ALAT accounts too.
- How do I log in to Wema Bank without data?
- Wema's online login needs data, through the ALAT app. Without data, register on *945*01# and use *945#.
- What is the Wema Bank card limit?
- Wema doesn't publish card limits on its USSD page. Check the ALAT app or contact Wema.
- How do I check my Wema balance?
- Dial *945*0# or log in to the ALAT app.