The primary Polaris Bank USSD code is *833#, which allows customers to perform banking transactions directly from their mobile phones without needing internet access. By dialing *833#, you can access Polaris Bank’s USSD menu to transfer money, buy airtime, check account balance, pay bills, and manage your account quickly and securely.
For example, dial *833*0# to check your account balance, *833*Amount# to buy airtime, or navigate the on-screen menu after dialing *833# to transfer funds to any Nigerian bank.
Polaris Bank USSD works on all mobile phones and Nigerian networks, making it ideal for offline banking.
Popular Polaris Bank USSD Codes and Their Functions
| Service | USSD Code |
|---|---|
| Polaris Bank Main Menu | *833# |
| Check Account Balance | 8330# |
| Transfer Money | *833# → Transfers |
| Buy Airtime for Self | 833Amount# |
| Buy Airtime for Others | 833Amount*PhoneNumber# |
| Pay Bills | *833# → Pay Bills |
| Open Polaris Bank Account | *833# → Open Account |
| Block Account | *833# → Security Options |
These codes allow quick management of your Polaris Bank account without internet. Always dial from your registered phone number and keep your USSD PIN secure.
About Polaris Bank
Polaris Bank is a leading Nigerian commercial bank providing a wide range of retail, corporate, and digital banking services. It offers products like savings and current accounts, loans, transfers, bill payments, and mobile banking solutions designed for convenience and accessibility.
While the Polaris Mobile App delivers advanced features, *Polaris Bank USSD (833#) remains a reliable alternative when internet access is limited or unavailable.
This guide covers all Polaris Bank USSD codes, how to activate USSD banking, transaction charges, common issues and solutions, security tips, and everything needed for seamless offline banking.
What Is Polaris Bank USSD?
Polaris Bank USSD is a mobile banking service that enables customers to perform transactions by dialing short codes on their phones, without using mobile data.
USSD banking is ideal when you:
- Have slow or no internet connection
- Need to send money urgently
- Want quick airtime or data purchase
- Cannot access the Polaris app
- Use a basic feature phone
USSD is fast, secure, and works on all Nigerian SIM cards.
Main Polaris Bank USSD Code in Nigeria (2026)
The official Polaris Bank USSD code is:
*833#
After dialing *833#, you can access Polaris Bank’s full USSD menu, including transfers, account balance checks, airtime purchases, bill payments, and more.
Most used Polaris Bank USSD codes:
- *833# — Main USSD menu
- 8330# — Check account balance
- 833Amount# — Buy airtime for yourself
- 833Amount*PhoneNumber# — Buy airtime for others
- *833# → Transfers — Send money
- *833# → Pay Bills — Utility payments
- *833# → Open Account — New Polaris account
How to Activate Polaris Bank USSD Banking
To use Polaris Bank USSD:
- Have an active Polaris Bank account (or open one via *833#)
- Use the phone number linked to your bank account
- Ensure good network signal
- Dial *833#
- Create a 4-digit USSD PIN when prompted
Once set up, you can use USSD any time without internet.
Full Breakdown of Polaris Bank USSD Codes and Their Uses
1. Polaris Bank Code for Transfers
To transfer money:
- Dial *833#
- Select Transfers
- Choose Polaris Bank or other banks
- Enter amount and recipient details
- Confirm with your PIN
Transfers work with all Nigerian banks including Access, GTBank, Zenith, First Bank, UBA, and others.
2. Polaris Bank Code for Airtime
For Self:
Dial 833Amount#
Example: 833300# to recharge ₦300
For Others:
Dial 833AmountPhoneNumber#
Example: 83350008012345678#
Airtime is credited instantly.
3. Polaris Bank Code for Account Balance
To check your balance:
Dial *833*0#
Enter your PIN if prompted.
4. Polaris Bank Code for Utility or Bill Payments
Dial *833# and select Pay Bills to pay for:
- Electricity (DISCO/PHCN)
- DSTV, GOTV, Startimes
- Mobile data subscriptions
- Internet services
- Other supported billers
Follow the prompts to complete payment.
5. Code to Block Polaris Bank Account
If your phone is lost, stolen, or you suspect unauthorized access:
- Dial *833#
- Select Security / Block Account
- Follow the on-screen instructions
This immediately secures your account from fraudulent access.
Why Polaris Bank USSD Is Popular
Polaris Bank USSD is widely used because it:
- Works without internet
- Is fast and reliable
- Supports all major networks (MTN, Airtel, Glo, 9Mobile)
- Works on any mobile phone
- Is protected with PIN security
- Is available 24/7
How to Set or Reset Your Polaris Bank USSD PIN
First-time setup:
- Dial *833#
- Choose Create PIN
- Enter a 4-digit PIN
- Confirm
Reset PIN:
- Dial *833#
- Select Forgot PIN
- Verify identity via SMS/OTP
- Set a new PIN
Always keep your PIN private and secure.
Polaris Bank USSD and Transaction Charges
- Dialing *833# is free
- Network providers may charge a small USSD session fee (₦6–₦7)
- Transfer fees apply based on bank/CBN pricing
- Airtime and bill payments typically have no extra bank charges
Common Polaris Bank USSD Errors and How to Fix Them
- USSD not responding: Use your registered SIM, check network signal
- Wrong PIN: Reset via *833#
- Insufficient balance: Fund your account and retry
- Session timeout: Retry in stronger network area
- Transaction failed: Confirm details and retry
How to Use Polaris Bank USSD Without the App
If your Polaris app is unavailable:
- Dial *833# from your registered number
- You can still:
- Check balance
- Send money
- Buy airtime
- Pay bills
- Open account
- Secure your account
USSD is a reliable backup to the mobile app.
Is Polaris Bank USSD Safe?
Yes — Polaris Bank USSD is protected with:
- 4-digit PIN
- SIM verification
- Instant block code options
Safety tips:
- Do not share your PIN
- Do not allow strangers to dial USSD on your phone
- Block your account if phone is lost
- Use only your registered SIM
Benefits of Using Polaris Bank USSD
- Works offline
- Fast transactions
- No app required
- Available on any phone
- Useful in emergencies
- Ideal for rural and low-data areas
Limitations of Polaris Bank USSD
- Some advanced features require the mobile app
- Network charges may apply
- Sessions may timeout during peak periods
- Cannot access loans or investment features
Still, USSD handles all essential banking functions seamlessly.
Frequently Asked Questions (FAQs)
What is the main Polaris Bank USSD code?
*833#
Why is my Polaris Bank USSD not working?
Network issues, wrong SIM, or maintenance
How do I check my balance?
Dial 8330#
Can I transfer money without the app?
Yes — dial *833# and choose Transfers
How do I block my Polaris account if phone is stolen?
Dial *833# and select Security options
Does Polaris Bank USSD work on all networks?
Yes — MTN, Airtel, Glo, and 9Mobile
Is Polaris Bank USSD free?
Dialing is free; network charges may apply
Conclusion
Polaris Bank USSD codes make offline banking easy, fast, and secure in Nigeria. With *833#, you can transfer money, buy airtime, check balances, pay bills, and manage your account — all without internet.
Whether you’re using a basic phone, dealing with poor network, or your app isn’t accessible, Polaris Bank USSD remains a fast and reliable way to bank in Nigeria (2026).
