The primary Keystone Bank USSD code is *7111#, which allows customers to perform banking transactions directly from their phones without internet access. By dialing *7111#, you can transfer money, buy airtime, check account balance, pay bills, and manage your Keystone Bank account quickly and securely.
For example, dial *7111*0# to check your account balance, *7111*Amount# to buy airtime for yourself, or navigate the on-screen menu after dialing *7111# for other banking services.
Keystone Bank USSD works on all mobile phones and networks across Nigeria, making it ideal for offline banking.
Popular Keystone Bank USSD Codes and Their Functions
| Service | USSD Code |
|---|---|
| Access Main Menu | *7111# |
| Check Account Balance | 71110# |
| Transfer to Keystone Bank | 7111Amount*AccountNumber# |
| Transfer to Other Banks | 7111Amount*AccountNumber# |
| Buy Airtime for Self | 7111Amount# |
| Buy Airtime for Others | 7111Amount*PhoneNumber# |
| Pay Bills | *7111# → Pay Bills |
| Open Keystone Bank Account | *7111# → Open Account |
| Block Account / Card | *7111# → Security Options |
These codes allow quick banking without internet. Always use your registered phone number and protect your USSD PIN.
About Keystone Bank
Keystone Bank is a Nigerian commercial bank offering retail, corporate, and digital banking services. It provides savings and current accounts, transfers, loans, bill payments, and mobile banking solutions.
While the Keystone Bank Mobile App provides advanced features, *Keystone Bank USSD (7111#) is a reliable solution for offline banking and essential transactions.
What Is Keystone Bank USSD?
Keystone Bank USSD is a mobile banking service that allows customers to perform financial transactions using short codes, 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 Keystone Bank app
- Use a basic feature phone
USSD is fast, secure, and works on all Nigerian SIM cards.
Main Keystone Bank USSD Code in Nigeria (2026)
The official Keystone Bank USSD code is:
*7111#
After dialing *7111#, you can access the full Keystone Bank USSD menu for transfers, balance checks, airtime purchases, bill payments, and account security.
Most used Keystone Bank USSD codes:
- *7111# — Main menu
- 71110# — Check account balance
- 7111Amount# — Buy airtime for self
- 7111Amount*PhoneNumber# — Buy airtime for others
- 7111Amount*AccountNumber# — Transfer money
- *7111# → Pay Bills — Utility payments
- *7111# → Open Account — New Keystone account
- *7111# → Security Options — Block account
How to Activate Keystone Bank USSD Banking
To use Keystone Bank USSD:
- Have an active Keystone Bank account
- Use the phone number linked to your account
- Ensure good network signal
- Dial *7111#
- Create a 4-digit USSD PIN when prompted
Once activated, USSD banking is available 24/7 without internet.
Full Breakdown of Keystone Bank USSD Codes and Their Uses
1. Keystone Bank Code for Transfers
To send money:
- Dial 7111Amount*AccountNumber#
- Select Keystone Bank or another bank
- Confirm recipient details
- Enter your PIN
Transfers work with all Nigerian banks including Zenith, GTBank, First Bank, UBA, FCMB, Fidelity, Polaris, Union, Wema, Sterling, Providus, and Access.
2. Keystone Bank Code for Airtime
For Self:
Dial 7111Amount#
Example: 7111200# to recharge ₦200
For Others:
Dial 7111AmountPhoneNumber#
Example: 711150008012345678#
Recharge is instant.
3. Keystone Bank Code for Account Balance
To check balance:
Dial *7111*0#
Enter your PIN if prompted.
4. Keystone Bank Code for Utility or Bill Payments
Dial *7111# and select Pay Bills to pay for:
- Electricity (DISCOs)
- DSTV, GOTV, Startimes
- Mobile data subscriptions
- Internet services
- Other supported billers
Follow prompts to complete the payment.
5. Code to Block Keystone Bank Account
If your phone is lost or stolen:
- Dial *7111#
- Select Security / Block Account
This immediately secures your account.
Why Keystone Bank USSD Is Popular
Keystone 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 Keystone Bank USSD PIN
First-time setup:
- Dial *7111#
- Select Create PIN
- Enter 4-digit PIN
- Confirm
Reset PIN:
- Dial *7111#
- Select Forgot PIN
- Verify via OTP
- Set a new PIN
Never share your PIN.
Keystone Bank USSD and Transaction Charge
- Dialing *7111# is free
- Network providers may charge ₦6–₦7 per session
- Bank transfer fees apply depending on volume and recipient bank
- Airtime and bill payments usually have no extra fees
Common Keystone Bank USSD Errors and How to Fix Them
- USSD not working: Check network, use registered SIM
- Incorrect PIN: Reset via *7111#
- Insufficient balance: Fund account and retry
- Session timeout: Retry in stronger network area
- Transaction failed: Confirm details and retry
How to Use Keystone Bank USSD Without the App
If the Keystone Bank app is unavailable:
- Dial *7111# from your registered number
- You can still:
- Check balance
- Send money
- Buy airtime
- Pay bills
- Block account
USSD serves as a reliable backup.
Is Keystone Bank USSD Safe?
Yes — protected with:
- 4-digit PIN
- SIM-based verification
- Instant block code (*7111# → Security Options)
Safety tips:
- Never share your PIN
- Block your account immediately if phone is lost
- Use only your registered SIM
Benefits of Using Keystone 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 Keystone 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 Keystone Bank USSD code?
*7111#
Why is my Keystone Bank USSD not working?
Network issues, wrong SIM, or maintenance
How do I check my Keystone Bank balance?
Dial 71110#
Can I transfer money without the app?
Yes — dial 7111Amount*AccountNumber#
How do I block my account if my phone is stolen?
Dial *7111# → Security Options
Does Keystone Bank USSD work on all networks?
Yes — MTN, Airtel, Glo, and 9Mobile
Is Keystone Bank USSD free?
Dialing is free; network charges may apply
Conclusion
Keystone Bank USSD codes make offline banking fast, simple, and secure. With *7111#, you can transfer money, buy airtime, check balances, pay bills, and protect your account — all without internet.
Whether using a basic phone, in low-network areas, or if the app is unavailable, Keystone Bank USSD remains a reliable solution in Nigeria (2026).
