The Wema Bank USSD Code gives you quick access to banking services without the need for internet or visiting a branch. Whether you want to transfer money, buy airtime, pay bills, or check your account balance, *945# puts all these services at your fingertips. In this guide, you will learn everything you need to know about the Wema Bank USSD Code. You will learn how to activate it, how to use it for different transactions, and troubleshooting tips for when it is not working.
What is the Wema Bank USSD Code?
The Wema Bank USSD Code is *945#. This code allows you to access several banking services directly from your phone. You can transfer money to other Wema accounts or to accounts in other banks, buy airtime for yourself or others, check your account balance, and even pay for cable TV and electricity.
Also read: How to Borrow Money from Opay in Nigeria | Full Guide
USSD banking is available 24/7 and works on any mobile phone, including basic phones without internet access. The only requirement is that your phone number must be linked to your Wema Bank account.
How to Activate the Wema Bank USSD Code
Before you can start using the Wema Bank USSD Code, you must activate it. Activation is simple and takes a few minutes:
- Dial *945*5# on your phone.
- Follow the on-screen prompts to register.
- Provide your Wema Bank account number and date of birth.
- Create a secure 4-digit PIN for authentication.
- Confirm your PIN.
Once activation is complete, you can dial *945# anytime to access the menu and perform transactions.
Wema Bank USSD Code for Transfers
One of the main uses of the Wema Bank USSD Code is to transfer money. You can send money to another Wema account or to any bank in Nigeria.
- To transfer, dial:
*945*AccountNumber*Amount#
Example: If you want to send ₦5,000 to account number 0123456789, you will dial:*945*0123456789*5000#
You will be asked to enter your 4-digit PIN to authorize the transaction.
Also read: Palmpay USSD Code for Transfer, Airtime & Mobile Banking | Full Guide
Wema Bank USSD Code for Airtime Recharge
The Wema Bank USSD Code makes airtime purchase very easy. You can recharge your own phone or another person’s line:
- Airtime for self:
*945*Amount# - Airtime for others:
*945*PhoneNumber*Amount#
For instance, if you want to recharge ₦500 for yourself, dial *945*500#.
To recharge ₦500 for another number, dial *945*08012345678*500#.
You can also buy data by dialing *945*9# and following the menu options.
Wema Bank USSD Code for Checking Account Balance
Knowing your account balance is as simple as dialing *945*0#. You will receive an SMS with your current balance details immediately.
List of Useful Wema Bank USSD Codes
Here is a detailed list of Wema Bank USSD Codes for different banking services:
| Function | USSD Code |
|---|---|
| Account Balance | *945*0# |
| Change PIN | *945*00# |
| Change Account | *945*2*OldAcctNo*NewAcctNo# |
| Registration / Profiling | *945*01# |
| BVN Management | *945*4# |
| Account Restriction | *945*911# |
| Account Activation | *945*5# |
| Account Opening | *945*1# |
| Airtime (self) | *945*Amount# |
| Airtime (others) | *945*PhoneNo*Amount# |
| Airtime/Data | *945*9# |
| Transfer (Wema & other banks) | *945*AccountNo*Amount# |
| Mcash | *945*57# / *945*57*MerchantCode*Amount# |
| Coralpay | *945*58# / *945*000*REFno# |
| Internet Service Menu | *945*15# |
| Smile | *945*16# |
| Spectranet | *945*18# |
| Quick Loan | *945*65# |
| WAEC Result | *945*70# |
| JAMB Result | *945*71# |
| Lagos State Collection | *945*40# |
| Electricity Bills | *945*24# (see specific codes below) |
Also read: Latest On UBA USSD Code, For Airtime, Transfers And Mobile Banking
Wema Bank USSD Code for Cable TV Payments
You can pay for DStv, GOtv, and Startimes subscriptions directly from your phone:
- Cable TV Menu: *945*10#
- DStv Payment: *945*11# or *945*11*SmartCardNo#
- GOtv Payment: *945*12# or *945*12*SmartCardNo#
- Startimes Payment: *945*13# or *945*13*SmartCardNo#
Wema Bank USSD Code for Electricity Bills
Wema Bank provides different USSD Codes for electricity payment depending on your location:
| Electricity Provider | USSD Code |
|---|---|
| Eko | *945*25*MeterNo*Amount# |
| Ikeja | *945*26*MeterNo*Amount# |
| Ibadan | *945*27*MeterNo*Amount# |
| Abuja | *945*28*MeterNo*Amount# |
| Enugu | *945*29*MeterNo*Amount# |
| Jos | *945*30*MeterNo*Amount# |
| Kaduna | *945*31*MeterNo*Amount# |
| Kano | *945*32*MeterNo*Amount# |
| Port Harcourt | *945*33*MeterNo*Amount# |
Also read: Fidelity Bank Code for Transfers & Checking Account Balance | Full Guide
How to Create or Change Your PIN
Your 4-digit PIN is the security feature that authorizes transactions. You can create or change it using two methods:
Using the USSD Menu
- Dial *945#
- Select “Activation and PIN Setup.”
- Enter your account number.
- Create a 4-digit PIN and confirm it.
Using the Shortcut Code
- Dial *945*5#
- Enter your account number.
- Provide your date of birth.
- Create and confirm your new PIN.
Always choose a PIN that is easy for you to remember but difficult for others to guess.
Troubleshooting Wema Bank USSD Code Issues
Sometimes, the Wema Bank USSD Code may not work as expected. Common reasons include:
- Poor network connection: Move to an area with better coverage.
- Inactive account: Ensure your account is active and not restricted.
- Wrong phone number: Use the number registered with your Wema Bank account.
- System maintenance: Services may be temporarily unavailable during upgrades.
- Insufficient funds: Make sure you have enough balance to cover the transaction and fees.
If the problem persists, contact Wema Bank customer care at +234-803-900-3700, send an email to purpleconnect@wemabank.com, or visit any Wema Bank branch.
Also read: Opay USSD Code for Transfer, Airtime & Mobile Banking | Full Guide
Benefits of Using the Wema Bank USSD Code
- Works on any phone (smartphone or basic).
- Does not require internet connection.
- Available 24/7, including weekends and holidays.
- Fast and secure transactions.
- Covers a wide range of services – transfer, airtime, data, bills, loans.
Frequently Asked Questions About Wema Bank USSD Code
Is *945# available on all networks?
Yes. It works on MTN, Airtel, Glo, and 9mobile.
Do I need a Wema Bank account to use *945#?
Yes. If you do not have one, you can even open a Wema account by dialing *945*1#.
Can I use it for Opay transfers?
Yes. Dial *945#, choose “Transfer Money,” select “To other banks,” pick “Opay,” and complete the process.
Conclusion
The Wema Bank USSD Code is a simple but powerful tool that allows you to manage your account anytime, anywhere. From transferring money to recharging airtime, checking balances, and paying bills, *945# saves you time and keeps banking at your fingertips.
By activating and learning the different Wema Bank USSD Codes, you can enjoy stress-free banking without stepping into a branch or relying on internet connectivity.
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References
- wemabank.com – *945# USSD – All-in-One Banking at Your Fingertips
- www.legit.ng – Wema Bank transfer code, all Wema Bank USSD Codes: the only guide you need
