List of Wema Bank USSD Code & Transfer Code (202)

  • December 13, 2023

WEMA BANK CODE: This post contains information about the Wema Bank USSD code and also the Wema Bank transfer code.

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

Wema 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 Wema Bank code to transfer money, check balance, buy airtime, pay bills, or do something else on your Wema Bank account, join me and let’s explore this post together!

What is the Wema Bank USSD Code?

The USSD code for Wema Bank is *945#. Using this code, you can access various Wema Bank services like account opening, checking balances, transferring funds, buying airtime, paying bills, making cardless withdrawals, and changing PIN, all via your mobile phones.

To use the Wema Bank transfer code, you must have an account with the bank, and also have your mobile number linked to your account. Each transaction has its unique code and format, which customers can input to carry out the desired action.

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

How to Transfer Money from Wema Bank
How to Check Wema Bank Account Balance

List of Wema Bank USSD Codes

Here is the list of all the Wema Bank code for various banking transactions:

TransactionUSSD Code
Check Account balance*945*0#
Transfers (Wema account and other banks)*945*accountNo*amount#
Get your Account Number*945*000#
Airtime (self)*945*amount#
Airtime (others)*945*phoneNo*amount#
Change Your PIN*945*00#
Block Account*945*911#
Account opening*945*1#
Change Account Number*945*2*oldacctno*newacctno#
BVN management*945*4#
Account Reactivation*945*5#
Send Money to phone*945*6*amount#
Requests for loans*945*100#
Quick loan*945*65#
Cable TV menu*945*10#
DSTV*945*11# and *945*11*smartcardNO#
GOTV*945*12# and *945*12*smartcardNO#
Internet service menu*945*15#
Electricity bill*945*24#
WAEC (result checking)*945*70#
JAMB (result checking)*945*71#
Lagos state collection*945*40#
Cardless transactions Using Mcash*945*57# and *945*57merchantcodeamount#
Cardless transactions using Coralpay*945*58# and *945*000*REFno#
Check BVN*565*0# or *945*4#
Link BVN to account*945*BVN#
Enable or Disable your card at will*945*10*Last four digits of Card#
Receive Western Union transfer*945*MTCN*Amount#

Related: List of USSD Code for Loans in Nigeria

How to Register & Activate Wema Bank USSD Code

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

  1. Dial *945# on the phone number you used to open your Wema Bank account.
  2. Select “1” to “Open Account” if you haven’t opened an account with Wema Bank yet. If you already have an account, skip to step 3.
  3. Enter your Wema Bank account number to link your phone number with your account.
  4. Set your 4-digit USSD PIN.
  5. Confirm your USSD PIN.
  6. Once you have successfully set up your USSD PIN, you can start using the Wema USSD code to access banking services.

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

How to Use Wema Bank Transfer Code

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

  1. Dial *945# on the phone number linked to your Wema Bank account.
  2. Follow the prompts on the screen to select the transaction you want to carry out. For example, if you want to check your account balance, select option “0” for balance inquiry.
  3. Enter the required information for the transaction you have selected. For example, if you want to transfer funds, you will need to enter the recipient’s account number and the amount you want to transfer.
  4. Confirm the transaction details.
  5. Enter your USSD PIN to authorize the transaction.
  6. Wait for the transaction to be processed. You will receive a confirmation message once the transaction is complete.

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

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

Wema Bank USSD Code for Checking Balance

*945*0# is the Wema Bank code to check your account balance. Once dialed, enter your PIN, and the money you have left in your Wema Bank account will be displayed on your screen.

Read Also: List of Sterling Bank USSD Code

Wema Bank USSD Transfer Code

*945*Account Number*Amount# is the Wema USSD code to transfer money from Wema Bank to Wema Bank as well as the Wema 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 N30,000 to 0011223344 (GT Bank account number) simply dial *945*0011223344*30000#.

Wema Bank USSD Code for Opening an Account

*945*1# is the USSD code for Wema Bank account opening. After dialing, accept the mobile banking terms and continue following the prompts to create an account with Wema Bank.

Read Also: List of Unity Bank USSD Code

Wema Bank Code for Buying Airtime

*945*Amount# is the Wema Bank code to buy airtime for yourself (SIM linked with your Wema Bank account). While *945*Phone Number*Amount# is the code to buy airtime for other numbers/sims.

E.g if you want to recharge N1,200 for yourself, simply dial *945*1,200# and your line will be credited with a N1,200 recharge card. If you want to recharge another line 08100001111 (your other lines or for friends and/or family) with N1,200, just dial, *945*08100001111*1200#, then enter your PIN to authorize the transaction.

Wema Bank USSD Code for Withdrawal

*945*57# is the USSD code for Wema Bank’s cardless withdrawal. Just dial the code and follow the prompts.

Wema Bank USSD Code for Bill Payments

*945*24# and *945*10# is the USSD code for Wema bank bill payments. After dialing, select your biller and follow the screen instructions, then enter your PIN to complete the transaction.

Check Out: How to Activate Ecobank USSD Code

Wema Bank BVN USSD Code

*945*4# is the Wema Bank code to get/retrieve your BVN.

USSD Wema Bank Code to Block Account

*945*911# is the USSD code on Wema Bank for deactivating your account. Just dial the code and follow the screen option.

What is USSD?

USSD stands for Unstructured Supplementary Service Data. It is a technology used by mobile network operators to send and receive text messages between a mobile phone and an application on the network.

USSD codes are shortcodes that begin with an asterisk (*) and end with a hash (#) and are used to access services provided by a mobile network operator or third-party service provider.

USSD codes are widely used by banks to provide mobile banking services to their customers. Customers can use USSD codes to check their account balances, transfer funds, pay bills, and perform other banking transactions directly from their mobile phones.

Benefits of Using Wema Bank USSD Code

Using the Wema 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 Wema Bank USSD code is easy to use and accessible to all Wema 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 transfer code for Wema 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 Wema transfer 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.

Wema Bank Code 2023 – FAQs

What is the new USSD code for Wema Bank?

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

How do I set up Wema Bank mobile banking?

You can at up your Wema Bank USSD mobile banking by simply dialing *945# using the phone number/line linked to your Wema Bank bank account, and follow the prompts.

How can I check my Wema Bank details?

You can check your Wema Bank details on your phone by dialing *945*0#, and your Wema Bank Bank details including account balance, will appear on your screen.

What is the Wema Bank Transfer Code to Other Banks?

*945*Account Number*Amount# is the Wema Bank USSD transfer code to other banks.

How do I check my Wema Bank USSD transaction history?

You can check your Wema Bank USSD transaction history by simply dialing *945*0#.

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

Yes, there is a charge for using the Wema 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.


Wema Bank USSD codes are a convenient and secure way to Wema Banking services in Nigeria. With the Wema 945 code, customers can perform a variety of tasks, including checking their account balance, transferring money, and paying bills. Using the Wema Bank code is easy and accessible, and it can save you time and money. If you have a mobile phone and a registered Wema Bank account, you should consider using the USSD code for Wema Banking services.