The USSD (Unstructured Supplementary Service Data) has become a vital part of the day-to-day activities of many users. It is a key driver of financial inclusion for individuals in remote areas with low network quality or without internet access.
This explains its potential capacity to keep users connected to daily transactions. While the USSD service is established for traditional bank users, many are still unaware of this essential service provided by Fintech companies.
Hence, this article will spotlight the USSD codes of 7 popular and widely used fintech platforms in Nigeria: Opay, Moniepoint, Kuda, Palmpay, Smartcash Psb, MoMo Psb and Nomba.
1. OPay
OPay’s USSD code is *955#. Dialling the codes, excluding OTP, airtime and data codes, will incur a service fee of N10.
- To Transfer, dial *955*1#
- For Airtime and Data, dial *955*2#
- To top up airtime for yourself, dial *955*2*Amount#
- To top up airtime for others, dial *955*2*Amount*10 digits Phone No#
- For betting and Utilities, dial *955*3#
- To check your total assets, dial *955*4#
- To add money to your account from another bank, dial *955*5#
- For Owealth services, dial *955*6#
- For withdrawal services, dial *955*7#
- To get your debit card, use *955*8#
- For Waste Bill, dial *955*9#
- For all e-PIN purchases, dial *955*10#
- To track and check your transaction status, dial *955*11#
- For your account management, dial *955*12#
2. Moniepoint
Moniepoint users can access its USSD service by simply dialling *5573# on their mobile device. Below is a breakdown of all services and their respective direct USSD codes.
Monipoint charges vary depending on the type of service being used.
- To transfer to a Moniepoint account, dial *5573*1#
- To transfer to other banks, dial *5573*2#
- To top up airtime for yourself, dial *5573*3*Amount#
- To top up airtime for others, dial *5573*3*Amount*10 digits Phone No#
- For data purchase, dial *5573*4#
- To check your balance, dial *5573*5#
- To change your PIN, dial *5573*6#
- For forgot PIN and reset, dial *5573*7#
- To block your debit card, dial *5573*8#
- To block your account, dial *5573*911#
3. Kuda
Unlike others, Kuda doesn’t have its unique codes. Instead, users fund their Kuda accounts from other banks using those banks’ codes. This means that to add money to Kuda, you’ll need to use the USSD codes of the bank you’re transferring from.
For instance,
- To add money from a First Bank account, Dial *894*amount*Kuda account number# from the phone number linked to the account. Follow the screen prompts to complete the transfer.
- To add money from a GTBank account, Dial *737*amount*Kuda account number# from the phone number linked to the account.
- To add money from a Wema Bank account, Dial *945*amount*Kuda account number# from the phone number linked to the account.
- To add money from a Zenith Bank account, Dial *966*amount*Kuda account number# from the phone number linked to the account.
- To add money from an Access Bank account, Dial *901*amount*Kuda account number# from the phone number linked to the account.
Also Read: Here is a list of all the new USSD codes for MTN, Airtel and Glo.
4. Palmpay
Users of Palmpay can access its USSD codes using *861#, and each dial costs a charge of N10.
- For transfer, dial *861*1#
- To top up airtime for self, dial *861*2*Amount#
- To top up airtme for others *861*2*Amount*10 digits Phone No#
- For data purchase, dial *861*3#
- To fund your bet, dial *861*4#
- To check your balance, dial *861*5#
- To check your transaction history, dial *861*6#
- For ATM Card request, dial *861*7#
- To change your password, dial *861*11#
5. Smartcash Psb
The Smartcash code is *939#, which allows you to access several financial services on your phone without an internet connection. Transaction on the services attracts low and varying fees, depending on the product or amount transacted.
- To fund your account, dial *939*1#
- To check your balance, dial *939*2#
- To top up airtime for self, dial *939*3*Amount #
- To top up airtme for Others *939*3*Amount*10 digits Phone No#
- To transfer funds to other accounts, dial *939*4#
- To withdraw money, dial *939*5#
- To pay utility bills, dial *939*6#
6. Nomba (formerly Kudi)
The unique USSD code to access your Nombank is *258#, and every session attracts a fee of N10. However, transfer charges vary from N50 to N250 depending on the amount.
- To check your account balance, dial *258*1#
- To buy airtime for self, dial *258*2*Amount #
- To buy airtme for others *258*2*Amount*10 digits Phone No#
- For data top-up, dial *258*2#, and follow the prompt on your screen.
- To transfer funds, dial *258*3#
- To top up your Electricity and Cable TV bills, dial *258*4#
- To add money into your account, dial *258*5#
- To check payment and transactions, dial *258*6#
7. MoMo Psb
Momo Psb users in Nigeria can access its USSD services using the code *671#.
- For transfer, dial *671*1#
- To buy airtime for self, dial *671*2*Amount #
- To buy airtme for others *671*2*Amount*10 digits Phone No#
- For data top up, dial *671*2#
- To check your balance, dial *671*3#
- For utility bills top-up, dial *671*4#
- To access the Cash-out service, dial *671*5#
- For all referrals or to refer a friend, dial *671*6#
- For savings and thrift services, dial *671*7#
- For all account management, dial *671*8#
- To get your debit card, *671*9#
For a recap,
| S/N | Fintechs | USSD codes |
| 1 | OPay | *955# |
| 2 | Moniepoint | *5573# |
| 3 | Kuda | Varies depending on the bank |
| 4 | Palmpay | *861# |
| 5 | Smartcash | *939# |
| 6 | Nombank | *258# |
| 7 | Momo Psb | *671# |
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