Wema Bank USSD Code to transfer money to any account without internet

Wema Bank Plc, commonly known as Wema Bank, is a Nigerian commercial bank. It is licensed by the Central Bank of Nigeria; the regulator of the nation’s banking sector.

As of 2019, Wema bank operates the largest digital banking system in Nigeria, ALAT By Wema, which is fully in use in all of the nation’s thirty seven states and territory.

Wema Bank Plc has launch a USSD code service which allow her customers to purchase airtime directly from his/her Wema bank account, funds transfer, balance inquiry, change pin all without needing internet connection.

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Like many other banks in Nigeria that have introduced the use of money transfer USSD code services for easier and more convenient banking services, Wema Bank (one of the oldest banks in Nigeria with

various branches nationally) has also launched a USSD code which allows their customers to do fund transfer from their account to another, purchase airtime, check account balance without the use of the

internet or even through the use of the mobile app that is mostly used by everyone.

This is introduced to encourage cashless system that is currently invoke to their customers because before the establishment of the transfer code, for one to make a transfer, he/she will be required to go to

bank, sometimes stand in queues for a long period of time which could be tiring, time and transport fee wastage or you must have the mobile app which uses internet or data and was specified to only android, iOS phone users.

But now with this new transfer code named *945# WemaMobile, whatever code service it is you want, can easily be dialed from your phone, irrespective of the phone model(Internet/ Non-Internet enabled phone).

Please note that only Wema customers are entitled to using the USSD transfer code and only customers with a valid mobile number registered with the Bank.

With this code *945#, comes many benefits and solutions to banking issues.

Below are some of the benefits which you get from just a dial of *945#;

  • It’s simple to use, stress free and very convenient.
  • All monetary transactions are done within seconds.
  • It can be done on all phone types.
  • There’s no need for the use of banking app or token.
  • Check account balance, do money transfers from home, anywhere.

Account Opening:

If you wish to become a Wema Bank customer, all you need is just a dial away.

To open an account, simply dial the code *945*1#, complete whatever information that will be requested from you then wait for the SMS notification that show your new account number.

No form required. Later at your spare time, go to the nearest branch to complete the account opening process.

Money Transfer Codes

To make quick money transfer from your bank to any bank, simply dial *945*Beneficiary AccountNumber* Amount# and follow the prompts shown.

The maximum daily transfer amount is N100, 000.

Account Balance/ Account No. Enquiry:

Need to check your balance without visiting the branch or an ATM, dial *945*0# provide your PIN when prompted and your balance is displayed.

You can get your available and cleared balances anytime, anywhere, online real time.

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Pin Reset:

Do you want to change your old pin, maybe for security reasons? Well then to change your USSD Pin, dial *945*00#, type in your current Pin and then confirm the new one when the prompt pops up.

Then continue your usual transactions with the new pin.

How to recharge Airtime from your First Bank account via Wema Bank USSD code.

Simply dial *945*Amount# from your registered number. Also if you want to recharge for your family and friends, dial *945*Phone Number*Amount#.

Recharge is available for all networks, just type in the network and input your PIN when prompted.

BVN Link

No more wahala in linking your BVN to your account, just dial *945*BVN#, type in your PIN when prompted and link your BVN instantly to your account.

To see your already linked BVN, simply dial *945#. Select the ‘Link BVN’ option from the menu list; put in your PIN when prompted to display your linked BVN.

Do you need instant cash and you don’t have your debit card with you, Pay your bills…and much more, just dial *945# to begin!


  • Ensure the phone number is the one registered with the Bank.
  • Charges apply per each session.

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