The primary Wema Bank USSD code is *945#, which allows customers to perform banking transactions directly from their phones without internet access. By dialing *945#, you can transfer money, buy airtime, check account balance, pay bills, and manage your Wema Bank account quickly and securely.
For example, dial *945*0# to check your account balance, *945*Amount# to buy airtime for yourself, or navigate the on-screen menu after dialing *945# to send money to any Nigerian bank.
Wema Bank USSD works on all mobile phones and networks across Nigeria, making it ideal for offline banking.
Popular Wema Bank USSD Codes and Their Functions
| Service | USSD Code |
|---|---|
| Access Main Menu | *945# |
| Check Account Balance | 9450# |
| Transfer to Wema Bank | 945Amount*AccountNumber# |
| Transfer to Other Banks | 945Amount*AccountNumber# |
| Buy Airtime for Self | 945Amount# |
| Buy Airtime for Others | 945Amount*PhoneNumber# |
| Pay Bills | *945# → Pay Bills |
| Open Wema Bank Account | *945# → Open Account |
| Block Account / Card | *945# → Security Options |
These codes allow quick banking without internet. Always use your registered phone number and protect your USSD PIN.
About Wema Bank
Wema Bank is one of Nigeria’s oldest banks, offering innovative banking services and digital solutions. The bank provides savings and current accounts, transfers, loans, bill payments, mobile banking, and digital account opening.
While the Wema Bank Mobile App provides advanced features, *Wema Bank USSD (945#) remains a reliable solution for offline banking.
This guide explains all Wema Bank USSD codes, activation steps, transaction charges, common errors, security tips, and offline banking functions.
What Is Wema Bank USSD?
Wema Bank USSD is a mobile banking service that allows customers to perform financial transactions using short codes on their phones, without internet access.
USSD banking is useful when you:
- Have poor or no internet
- Need urgent money transfer
- Want quick airtime recharge
- Cannot access the Wema Bank app
- Use a basic feature phone
USSD is fast, secure, and works on all Nigerian SIM cards.
Main Wema Bank USSD Code in Nigeria (2026)
The official Wema Bank USSD code is:
*945#
After dialing *945#, you can access Wema Bank’s full USSD menu for transfers, balance checks, airtime purchases, bill payments, and account security.
Most used Wema Bank USSD codes:
- *945# — Main menu
- 9450# — Check account balance
- 945Amount# — Buy airtime for self
- 945Amount*PhoneNumber# — Buy airtime for others
- 945Amount*AccountNumber# — Transfer money
- *945# → Pay Bills — Utility payments
- *945# → Open Account — New Wema account
- *945# → Security Options — Block account
How to Activate Wema Bank USSD Banking
To use Wema Bank USSD:
- Have an active Wema Bank account
- Use the phone number linked to your account
- Ensure good network signal
- Dial *945#
- Create a 4-digit USSD PIN when prompted
Once activated, USSD banking is available 24/7 without internet.
Full Breakdown of Wema Bank USSD Codes and Their Uses
1. Wema Bank Code for Transfers
To send money:
- Dial 945Amount*AccountNumber#
- Select Wema Bank or another bank
- Confirm recipient details
- Enter your PIN
Transfers work with all Nigerian banks including Zenith, GTBank, First Bank, UBA, FCMB, Fidelity, and Polaris.
2. Wema Bank Code for Airtime
For Self:
Dial 945Amount#
Example: 945200# to recharge ₦200
For Others:
Dial 945AmountPhoneNumber#
Example: 94550008012345678#
Recharge is instant.
3. Wema Bank Code for Account Balance
To check balance:
Dial *945*0#
Enter your PIN if prompted.
4. Wema Bank Code for Utility or Bill Payments
Dial *945# and select Pay Bills to pay for:
- Electricity (DISCOs)
- DSTV, GOTV, Startimes
- Mobile data subscriptions
- Internet services
- Other supported billers
Follow prompts to complete payment.
5. Code to Block Wema Bank Account
If your phone is lost or stolen:
- Dial *945#
- Select Security / Block Account
This secures your account immediately.
Why Wema Bank USSD Is Popular
Wema Bank USSD is widely used because it:
- Works offline without internet
- Fast and reliable
- Supports MTN, Airtel, Glo, and 9Mobile
- Works on all phones
- Protected with PIN security
- Available 24/7
How to Set or Reset Your Wema Bank USSD PIN
First-time setup:
- Dial *945#
- Select Create PIN
- Enter 4-digit PIN
- Confirm
Reset PIN:
- Dial *945#
- Select Forgot PIN
- Verify via OTP
- Set a new PIN
Never share your PIN.
Wema Bank USSD and Transaction Charges
- Dialing *945# is free
- Network providers may charge ₦6–₦7 per session
- Bank transfer fees may apply depending on CBN guidelines
- Airtime and bill payments usually have no extra fees
Common Wema Bank USSD Errors and How to Fix Them
- USSD not working: Check network, use registered SIM
- Incorrect PIN: Reset via *945#
- Insufficient balance: Fund account and retry
- Session timeout: Retry in stronger network area
- Transaction failed: Confirm details and retry
How to Use Wema Bank USSD Without the App
If the Wema Bank app is unavailable:
- Dial *945# from your registered number
- You can still:
- Check balance
- Send money
- Buy airtime
- Pay bills
- Block account
USSD serves as a reliable backup.
Is Wema Bank USSD Safe?
Yes — protected with:
- 4-digit PIN
- SIM-based verification
- Instant block code (*945# → Security Options)
Safety tips:
- Never share your PIN
- Block your account immediately if phone is lost
- Use only your registered SIM
Benefits of Using Wema Bank USSD
- Works offline
- Fast transactions
- No app required
- Works on any phone
- Useful in emergencies
- Ideal for rural areas and low-data locations
Limitations of Wema Bank USSD
- Advanced services require the app
- Network charges may apply
- Sessions may timeout during peak hours
- Cannot access loans or investments
Frequently Asked Questions (FAQs)
What is the main Wema Bank USSD code?
*945#
Why is my Wema Bank USSD not working?
Network issues, wrong SIM, or maintenance
How do I check my Wema Bank balance?
Dial 9450#
Can I transfer money without the app?
Yes — dial 945Amount*AccountNumber#
How do I block my account if my phone is stolen?
Dial *945# → Security Options
Does Wema Bank USSD work on all networks?
Yes — MTN, Airtel, Glo, and 9Mobile
Is Wema Bank USSD free?
Dialing is free; network charges may apply
Conclusion
Wema Bank USSD codes make offline banking simple, secure, and fast. With *945#, you can transfer money, buy airtime, check balances, pay bills, and secure your account — all without internet.
Whether you’re using a basic phone, in low-network areas, or your app is unavailable, Wema Bank USSD remains a reliable solution in Nigeria (2026).
