List of Heritage Bank USSD Code & Transfer Code (2024)

  • December 13, 2023

HERITAGE BANK CODE: This post contains information about the Heritage Bank USSD code, and also Heritage Bank transfer code.

This includes what it is, how to register and activate it, the list of all the USSD codes for Heritage Bank’s various transactions, and lots more.

Heritage Bank, one of the leading commercial banks in Nigeria, offers a USSD code service that allows its customers to perform banking transactions from the comfort of their mobile phones.

This service has not only made banking more convenient but has also enhanced financial inclusion in Nigeria by reaching out to the unbanked and underbanked population. 

So, if you’re in need of the Heritage Bank code for money transfers, checking balance, buying airtime, paying bills, or something else on your Heritage Bank account, join me and let’s explore this post together!

What is the Heritage Bank Code?

The USSD code for Heritage Bank is *745#. Using this code, you can carry out numerous Heritage Bank banking operations including funds transfers, checking balance, paying bills, and lots more on your mobile phone.

It’s a handy and safe method to access banking features on the move, even without internet connectivity or a high-end smartphone.

With the Heritage Bank code, customers can perform transactions such as checking their account balance, transferring funds to other accounts, paying bills, buying airtime, and more. The service is available 24/7, and customers can access it from anywhere, at any time.

To use the Heritage Bank transfer code, customers need to dial a specific code on their mobile phones and follow the prompts to complete their transactions. The service is simple, fast, and easy to use, making banking more accessible and convenient for customers.

While this code can perform all these transactions, you need to activate it before it can be used.

Read Also:
How to Transfer Money from Heritage Bank
How to Check Heritage Bank Account Balance

List of Heritage Bank USSD Codes

Here’s the list of all the Heritage Bank codes for various transactions:

TransactionsUSSD 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#

Read Also: PalmPay USSD Code & How to Use it

How to Register & Activate Heritage Bank USSD Code

As a new customer or first-time user, you can activate the Heritage Bank USSD code by following these simple steps:

  1. Using the line/sim/phone number you opened your Heritage Bank Bank account with, dial  Dial *745*Account Number*Last Six(6) Digits of Your Card#.
  2. Reply with one(1) on the next screen to continue the activation.
  3. Create your Heritage USSD code PIN (4 digits pin which will be used to authorize transactions)
  4. Enter and confirm the pin again to complete your USSD registration.

Once all the steps above are completed, the transfer code for Heritage Bank will be activated on your phone. You can now use it for your banking transactions.

How to Use Heritage Bank Code

Once you have registered for the Heritage Bank USSD code, using it is easy. Here are the steps to follow:

  1. Dial *745# on your mobile phone.
  2. Follow the prompts to select the appropriate transaction type from the menu options, such as:
  • Account Balance: to check your account balance
  • Airtime Purchase: to buy airtime for yourself or someone else
  • Funds Transfer: to transfer money to another account within Heritage Bank or another bank
  • Bill Payment: to pay bills for services like electricity, cable TV, or internet subscription.
  1. Enter the required details, such as the recipient’s account number, the amount you want to transfer or pay, and any other necessary information.
  2. Confirm the details of the transaction.
  3. Enter your 4-digit PIN to authorize the transaction.
  4. Wait for the confirmation message that your transaction was successful.

Also, there are short codes to perform quick and direct transactions on your Heritage Bank account. Check them out in the list below.

Using the Heritage Bank USSD Code for Various Transactions: Complete Guide

Heritage Bank USSD Code for Checking Balance

*745*0# is the Heritage Bank code to check your account balance. Once dialed, enter your PIN, and the money you have left in your Heritage Bank account will be displayed on your screen.

See Also: List of Keystone Bank Code

Heritage Bank USSD Transfer Code

*745*1*Amount*Account Number# is the Heritage USSD code to transfer money from Heritage Bank to Heritage Bank. While *745*2*Amount*Account Number# is the Heritage Bank transfer code to other banks. Once dialed, select the recipient’s bank, and enter your PIN to authorize the transfer.

e.g if you want to send N4,000 to 1100229933 (Polaris Bank account number) simply dial *745*2*4000*1100229933#.

Heritage Bank USSD Code for Opening an Account

*745# is the USSD code for Heritage Bank account opening. After dialing, accept the mobile banking terms and continue following the prompts to create an account with Heritage Bank.

Related: How to Activate Fidelity Bank USSD Code

Heritage Bank Code for Buying Airtime

*745*Amount# is the Heritage Bank code to buy airtime for yourself (SIM linked with your Heritage Bank account). While *745*Amount*Phone Number# is the code to buy airtime for other numbers/sims.

E.g if you want to recharge N400 for yourself, simply dial *745*400# and your line will be credited with a N400 recharge card. If you want to recharge another line 09099999999 (your other lines or for friends and/or family) with N400, just dial, *745*400*09099999999#, then enter your PIN to authorize the transaction.

Heritage Bank USSD Code for Bill Payments

*745# is the USSD code for Heritage bank bill payments. After dialing, select “Pay Bills”, select your biller, follow the screen instructions, and then enter your PIN to complete the transaction.

Check Out: How to Activate Taj Bank USSD Code

Heritage Bank BVN USSD Code

*565*0# is the Heritage Bank code to get/retrieve your BVN.

USSD Heritage Bank Code to Block Account

*745*911# is the USSD code on Heritage Bank for deactivating your account. Just dial the code and follow the screen option.

What is USSD?

USSD (Unstructured Supplementary Service Data) codes are a type of communication protocol used by banks to provide their customers with quick access to banking services through their mobile phones.

USSD codes are typically entered directly into the phone’s keypad, and they allow customers to access various banking services such as checking account balances, transferring funds, paying bills, and other account-related activities.

USSD codes are usually short and easy to remember, and they are often provided by banks to their customers as a convenient and secure way to perform banking transactions without having to visit a branch or use internet banking. Additionally, USSD codes do not require an internet connection, making them particularly useful in areas where mobile data is limited or unavailable.

See Also: List of UBA USSD Code

Benefits of Using Heritage Bank USSD Code

Using the Heritage Bank USSD code has several benefits, including:

  1. Convenience: With the USSD code, you can perform transactions from anywhere, at any time, using your mobile phone. You don’t need to visit a bank branch or ATM.
  2. Accessibility: The Heritage Bank USSD code is easy to use and accessible to all Heritage Bank customers who have registered for the service, regardless of their location or network provider.
  3. Speed: Transactions using the USSD code are usually processed instantly, allowing you to save time and complete transactions quickly.
  4. Security: The USSD code is a secure method of banking as it requires you to enter your PIN to confirm transactions, ensuring that your account is protected from unauthorized access.
  5. Cost-effective: The USSD code is a cost-effective method of banking as it attracts lower transaction charges compared to other banking methods such as ATM withdrawals or branch transactions.
  6. Wide range of services: With the Heritage USSD code, you can access a wide range of services such as account balance inquiry, funds transfer, airtime recharge, bill payments, and more, making it a versatile banking solution.

Heritage Bank Code 2023 – FAQs

What is the new USSD code for Heritage Bank?

*745# is the new USSD code for Heritage Bank. This code can be used to perform any mobile banking transactions on a registered number.

How do I set up Heritage Bank mobile banking?

You can at up your Heritage Bank USSD mobile banking by simply dialing *745# using the phone number/line linked to your Heritage Bank bank account, and follow the prompts.

How can I check my Heritage Bank details?

You can check your Heritage Bank details on your phone by dialing *745*0#, and your Heritage Bank Bank details including account balance, will appear on your screen.

How do I check my Heritage Bank USSD transaction history?

You can check your Heritage Bank USSD transaction history by simply dialing *745*0#.

What is the Heritage Bank Transfer Code to Other Banks?

*745*1*Amount*Account Number# is the Heritage Bank USSD transfer code to other banks.

Is there a charge for using the Heritage Bank USSD code?

Yes, there is a charge for using the Heritage Bank USSD code. The cost of using the USSD code varies depending on the service being used. However, the charges are generally lower than those for other banking methods.


Heritage Bank USSD codes are a convenient and secure way to Heritage Banking services in Nigeria. With the Heritage 745 code, customers can perform a variety of tasks, including checking their account balance, transferring money, and paying bills. Using the Heritage Bank code is easy and accessible, and it can save you time and money. If you have a mobile phone and a registered Heritage Bank account, you should consider using the USSD code to Heritage Banking services.