{"id":1552,"date":"2026-01-14T09:51:47","date_gmt":"2026-01-14T09:51:47","guid":{"rendered":"https:\/\/blog.ricki.app\/?p=1552"},"modified":"2026-01-14T09:52:14","modified_gmt":"2026-01-14T09:52:14","slug":"first-bank-ussd-codes","status":"publish","type":"post","link":"https:\/\/blog.ricki.app\/first-bank-ussd-codes","title":{"rendered":"First Bank USSD Codes in Nigeria (2026)"},"content":{"rendered":"\n

The primary First Bank USSD code is *894#<\/strong>, which allows customers to perform banking transactions directly from their phones without internet access. By dialing *894#, you can transfer money, buy airtime, check account balance, pay bills, and manage your First Bank account quickly and securely.<\/p>\n\n\n\n

For example, dial *894*0#<\/strong> to check your account balance, *894*Amount#<\/strong> to buy airtime for yourself, or navigate the on-screen menu after dialing *894# to send money to any Nigerian bank.<\/p>\n\n\n\n

First Bank USSD works on all mobile phones and networks across Nigeria, making it ideal for offline banking.<\/p>\n\n\n\n

Popular First Bank USSD Codes and Their Functions<\/h2>\n\n\n\n
Service<\/th>USSD Code<\/th><\/tr><\/thead>
Access Main Menu<\/td>*894#<\/td><\/tr>
Check Account Balance<\/td>894<\/em>0#<\/td><\/tr>
Transfer to First Bank<\/td>894<\/em>Amount*AccountNumber#<\/td><\/tr>
Transfer to Other Banks<\/td>894<\/em>Amount*AccountNumber#<\/td><\/tr>
Buy Airtime for Self<\/td>894<\/em>Amount#<\/td><\/tr>
Buy Airtime for Others<\/td>894<\/em>Amount*PhoneNumber#<\/td><\/tr>
Pay Bills<\/td>*894# \u2192 Pay Bills<\/td><\/tr>
Open First Bank Account<\/td>*894# \u2192 Open Account<\/td><\/tr>
Block Account \/ Card<\/td>*894# \u2192 Security Options<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

These codes allow quick banking without internet. Always use your registered phone number and protect your USSD PIN.<\/p>\n\n\n\n

About First Bank<\/h2>\n\n\n\n

First Bank of Nigeria is one of the oldest and largest banks in Nigeria, offering a wide range of retail, corporate, and digital banking services. Its products include savings and current accounts, transfers, loans, bill payments, and mobile banking.<\/p>\n\n\n\n

While the First Mobile App provides advanced features, *First Bank USSD (894#)<\/em> remains a reliable solution for offline banking and basic transactions.<\/p>\n\n\n\n

What Is First Bank USSD?<\/h2>\n\n\n\n

First Bank USSD is a mobile banking service that allows customers to perform financial transactions using short codes, without internet access.<\/p>\n\n\n\n

USSD banking is useful when you:<\/p>\n\n\n\n

    \n
  • Have poor or no internet<\/li>\n\n\n\n
  • Need urgent money transfer<\/li>\n\n\n\n
  • Want quick airtime recharge<\/li>\n\n\n\n
  • Cannot access the First Bank app<\/li>\n\n\n\n
  • Use a basic feature phone<\/li>\n<\/ul>\n\n\n\n

    USSD is fast, secure, and works on all Nigerian SIM cards.<\/p>\n\n\n\n

    Main First Bank USSD Code in Nigeria (2026)<\/h2>\n\n\n\n

    The official First Bank USSD code is:<\/p>\n\n\n\n

    *894#<\/strong><\/p>\n\n\n\n

    After dialing *894#, you can access the full First Bank USSD menu for transfers, balance checks, airtime purchases, bill payments, and account security.<\/p>\n\n\n\n

    Most used First Bank USSD codes:<\/h3>\n\n\n\n
      \n
    • *894# \u2014 Main menu<\/li>\n\n\n\n
    • 894<\/em>0# \u2014 Check account balance<\/li>\n\n\n\n
    • 894<\/em>Amount# \u2014 Buy airtime for self<\/li>\n\n\n\n
    • 894<\/em>Amount*PhoneNumber# \u2014 Buy airtime for others<\/li>\n\n\n\n
    • 894<\/em>Amount*AccountNumber# \u2014 Transfer money<\/li>\n\n\n\n
    • *894# \u2192 Pay Bills \u2014 Utility payments<\/li>\n\n\n\n
    • *894# \u2192 Open Account \u2014 New First Bank account<\/li>\n\n\n\n
    • *894# \u2192 Security Options \u2014 Block account<\/li>\n<\/ul>\n\n\n\n

      How to Activate First Bank USSD Banking<\/h2>\n\n\n\n

      To use First Bank USSD:<\/p>\n\n\n\n

        \n
      • Have an active First Bank account<\/li>\n\n\n\n
      • Use the phone number linked to your account<\/li>\n\n\n\n
      • Ensure good network signal<\/li>\n\n\n\n
      • Dial *894#<\/li>\n\n\n\n
      • Create a 4-digit USSD PIN when prompted<\/li>\n<\/ul>\n\n\n\n

        Once activated, USSD banking is available 24\/7 without internet.<\/p>\n\n\n\n

        Full Breakdown of First Bank USSD Codes and Their Uses<\/h2>\n\n\n\n

        1. First Bank Code for Transfers<\/h3>\n\n\n\n

        To send money:<\/p>\n\n\n\n

          \n
        • Dial 894<\/em>Amount*AccountNumber#<\/li>\n\n\n\n
        • Select First Bank or another bank<\/li>\n\n\n\n
        • Confirm recipient details<\/li>\n\n\n\n
        • Enter your PIN<\/li>\n<\/ul>\n\n\n\n

          Transfers work with all Nigerian banks including Zenith, GTBank, UBA, FCMB, Fidelity, Polaris, Union, Wema, Sterling, and Providus.<\/p>\n\n\n\n

          2. First Bank Code for Airtime<\/h3>\n\n\n\n

          For Self:<\/strong>
          Dial 894<\/em>Amount#
          Example: 894<\/em>200# to recharge \u20a6200<\/p>\n\n\n\n

          For Others:<\/strong>
          Dial 894<\/em>AmountPhoneNumber#
          Example: 894500<\/em>08012345678#<\/p>\n\n\n\n

          Recharge is instant.<\/p>\n\n\n\n

          3. First Bank Code for Account Balance<\/h3>\n\n\n\n

          To check balance:<\/p>\n\n\n\n

          Dial *894*0#<\/strong>
          Enter your PIN if prompted.<\/p>\n\n\n\n

          4. First Bank Code for Utility or Bill Payments<\/h3>\n\n\n\n

          Dial *894# and select Pay Bills<\/strong> to pay for:<\/p>\n\n\n\n

            \n
          • Electricity (DISCOs)<\/li>\n\n\n\n
          • DSTV, GOTV, Startimes<\/li>\n\n\n\n
          • Mobile data subscriptions<\/li>\n\n\n\n
          • Internet services<\/li>\n\n\n\n
          • Other supported billers<\/li>\n<\/ul>\n\n\n\n

            Follow prompts to complete the payment.<\/p>\n\n\n\n

            5. Code to Block First Bank Account<\/h3>\n\n\n\n

            If your phone is lost or stolen:<\/p>\n\n\n\n

              \n
            • Dial *894#<\/strong><\/li>\n\n\n\n
            • Select Security \/ Block Account<\/strong><\/li>\n<\/ul>\n\n\n\n

              This immediately secures your account.<\/p>\n\n\n\n

              Why First Bank USSD Is Popular<\/h2>\n\n\n\n

              First Bank USSD is widely used because it:<\/p>\n\n\n\n

                \n
              • Works offline without internet<\/li>\n\n\n\n
              • Fast and reliable<\/li>\n\n\n\n
              • Supports MTN, Airtel, Glo, and 9Mobile<\/li>\n\n\n\n
              • Works on all phones<\/li>\n\n\n\n
              • Protected with PIN security<\/li>\n\n\n\n
              • Available 24\/7<\/li>\n<\/ul>\n\n\n\n

                How to Set or Reset Your First Bank USSD PIN<\/h2>\n\n\n\n

                First-time setup:<\/strong><\/p>\n\n\n\n

                  \n
                • Dial *894#<\/li>\n\n\n\n
                • Select Create PIN<\/strong><\/li>\n\n\n\n
                • Enter 4-digit PIN<\/li>\n\n\n\n
                • Confirm<\/li>\n<\/ul>\n\n\n\n

                  Reset PIN:<\/strong><\/p>\n\n\n\n

                    \n
                  • Dial *894#<\/li>\n\n\n\n
                  • Select Forgot PIN<\/strong><\/li>\n\n\n\n
                  • Verify via OTP<\/li>\n\n\n\n
                  • Set a new PIN<\/li>\n<\/ul>\n\n\n\n

                    Never share your PIN.<\/p>\n\n\n\n

                    First Bank USSD and Transaction Charges<\/h2>\n\n\n\n
                      \n
                    • Dialing *894# is free<\/li>\n\n\n\n
                    • Network providers may charge \u20a66\u2013\u20a67 per session<\/li>\n\n\n\n
                    • Bank transfer fees apply depending on volume and recipient bank<\/li>\n\n\n\n
                    • Airtime and bill payments usually have no extra fees<\/li>\n<\/ul>\n\n\n\n

                      Common First Bank USSD Errors and How to Fix Them<\/h2>\n\n\n\n
                        \n
                      • USSD not working:<\/strong> Check network, use registered SIM<\/li>\n\n\n\n
                      • Incorrect PIN:<\/strong> Reset via *894#<\/li>\n\n\n\n
                      • Insufficient balance:<\/strong> Fund account and retry<\/li>\n\n\n\n
                      • Session timeout:<\/strong> Retry in stronger network area<\/li>\n\n\n\n
                      • Transaction failed:<\/strong> Confirm details and retry<\/li>\n<\/ul>\n\n\n\n

                        How to Use First Bank USSD Without the App<\/h2>\n\n\n\n

                        If the First Bank app is unavailable:<\/p>\n\n\n\n

                          \n
                        • Dial *894# from your registered number<\/li>\n\n\n\n
                        • You can still:\n
                            \n
                          • Check balance<\/li>\n\n\n\n
                          • Send money<\/li>\n\n\n\n
                          • Buy airtime<\/li>\n\n\n\n
                          • Pay bills<\/li>\n\n\n\n
                          • Block account<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

                            USSD is a reliable backup to the app.<\/p>\n\n\n\n

                            Is First Bank USSD Safe?<\/h2>\n\n\n\n

                            Yes \u2014 protected with:<\/p>\n\n\n\n

                              \n
                            • 4-digit PIN<\/li>\n\n\n\n
                            • SIM-based verification<\/li>\n\n\n\n
                            • Instant block code (*894# \u2192 Security Options)<\/li>\n<\/ul>\n\n\n\n

                              Safety tips:<\/h3>\n\n\n\n
                                \n
                              • Never share your PIN<\/li>\n\n\n\n
                              • Block your account immediately if phone is lost<\/li>\n\n\n\n
                              • Use only your registered SIM<\/li>\n<\/ul>\n\n\n\n

                                Benefits of Using First Bank USSD<\/h2>\n\n\n\n
                                  \n
                                • Works offline<\/li>\n\n\n\n
                                • Fast transactions<\/li>\n\n\n\n
                                • No app required<\/li>\n\n\n\n
                                • Works on any phone<\/li>\n\n\n\n
                                • Useful in emergencies<\/li>\n\n\n\n
                                • Ideal for rural areas and low-data locations<\/li>\n<\/ul>\n\n\n\n

                                  Limitations of First Bank USSD<\/h2>\n\n\n\n
                                    \n
                                  • Advanced services require the app<\/li>\n\n\n\n
                                  • Network charges may apply<\/li>\n\n\n\n
                                  • Sessions may timeout during peak hours<\/li>\n\n\n\n
                                  • Cannot access loans or investments<\/li>\n<\/ul>\n\n\n\n

                                    Frequently Asked Questions (FAQs)<\/h2>\n\n\n\n

                                    What is the main First Bank USSD code?<\/strong>
                                    *894#<\/p>\n\n\n\n

                                    Why is my First Bank USSD not working?<\/strong>
                                    Network issues, wrong SIM, or maintenance<\/p>\n\n\n\n

                                    How do I check my First Bank balance?<\/strong>
                                    Dial 894<\/em>0#<\/p>\n\n\n\n

                                    Can I transfer money without the app?<\/strong>
                                    Yes \u2014 dial 894<\/em>Amount*AccountNumber#<\/p>\n\n\n\n

                                    How do I block my account if my phone is stolen?<\/strong>
                                    Dial *894# \u2192 Security Options<\/p>\n\n\n\n

                                    Does First Bank USSD work on all networks?<\/strong>
                                    Yes \u2014 MTN, Airtel, Glo, and 9Mobile<\/p>\n\n\n\n

                                    Is First Bank USSD free?<\/strong>
                                    Dialing is free; network charges may apply<\/p>\n\n\n\n

                                    Conclusion<\/h2>\n\n\n\n

                                    First Bank USSD codes make offline banking fast, simple, and secure. With *894#<\/strong>, you can transfer money, buy airtime, check balances, pay bills, and protect your account \u2014 all without internet.<\/p>\n\n\n\n

                                    Whether using a basic phone, in low-network areas, or if the app is unavailable, First Bank USSD remains a reliable solution in Nigeria (2026)<\/strong>.<\/p>\n\n\n\n

                                    <\/p>\n","protected":false},"excerpt":{"rendered":"

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