The Ecobank USSD code has become a convenient way for customers to access mobile banking services without needing internet access. Whether you want to transfer money, recharge airtime, or pay bills, Ecobank’s *326# service puts banking right at your fingertips. This guide explains how the Ecobank USSD code works, its features, benefits, and how you can use it for everyday transactions.
What is the Ecobank USSD Code?
The Ecobank USSD code is *326#. It is a short code you dial from any mobile phone, smart phones or phones with a basic feature, to access a wide range of Ecobank services. The system works using Unstructured Supplementary Service Data (USSD), which allows a two-way communication between you and the bank through a simple menu displayed on your screen.
Also read: Wema Bank USSD Code for Transfer, Airtime and Mobile Banking | Full Guide
Unlike internet banking, the Ecobank USSD code does not require mobile data. This makes it especially useful for people in rural areas or those who do not have access to a smartphone.
Getting Started with the Ecobank USSD Code
To begin using the Ecobank USSD code, you must first register. The process is simple and can be completed in a few steps depending on your customer status.
1. For Existing Ecobank Mobile App Customers
If you already use the Ecobank Mobile App:
- Dial *326# on your phone.
- Enter your existing 6-digit PIN from the mobile app to access your account.
- If you forget your PIN, you can reset it directly from the mobile app.
This allows you to use the Ecobank USSD code as an alternative to the app anytime, anywhere without internet.
2. For Ecobank Customers Not on the Mobile App
If you have an Ecobank account but have not used the mobile app:
- Dial *326# on your phone.
- From the menu, choose option 3 (Attach Mobile Number to Account).
- Follow the prompts to complete registration using your debit or ATM card.
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3. For Non-Ecobank Customers
If you do not yet have an account with Ecobank:
- Dial *326# on your phone.
- Select option 1 (Open Xpress Account).
- Follow the prompts to create an account.
- You can deposit money into your new Xpress account and request a debit card for full access to Ecobank services.
Benefits of Using the Ecobank USSD Code
The Ecobank USSD code offers several benefits for users:
- No Internet Required – You do not need data or Wi-Fi to access Ecobank services.
- Works on Any Phone – Whether you have a phone with basic features or a smartphone, the code works.
- Faster Transactions – Transfers, airtime purchases, and bill payments are completed instantly.
- Available Anytime – You can bank 24/7, including weekends and public holidays.
- Inclusive and Convenient – Customers in remote areas can access banking without visiting a branch.
Also read: Latest On UBA USSD Code, For Airtime, Transfers And Mobile Banking
Ecobank USSD Code for Airtime Recharge
One of the most common uses of the Ecobank USSD code is airtime purchase. You can buy airtime for yourself or others directly from your account.
- Airtime Top-Up for Self: Dial *326*Amount#
- Airtime Top-Up for Others: Dial *326*Amount*PhoneNumber#
This service supports all major network providers and works instantly, making it a quick way to stay connected.
Ecobank USSD Code for Transfers
With the Ecobank USSD code, you can transfer money to Ecobank accounts, other banks, or even send funds across Africa.
1. Transfer to Ecobank Accounts
- Dial *326#, select the transfer option, then choose Ecobank account transfer.
- Enter the recipient’s account number and the amount.
- Confirm the transaction with your PIN.
2. Transfer to Other Banks
- Dial *326#, select transfer, and choose other banks.
- Enter the account details, amount, and authorize with your PIN.
3. Rapid Transfers (Across Africa)
You can also send money to other Ecobank accounts across Africa:
- Dial *326#, select 6 then 3.
- Follow the prompts to complete the international transfer.
This feature makes cross-border transfers easier and faster without needing to visit a branch.
Also read: Palmpay USSD Code for Transfer, Airtime & Mobile Banking | Full Guide
Ecobank USSD Code for Bill Payments
The Ecobank USSD code lets you settle bills conveniently from your phone.
Some of the supported bill payments include:
- DSTV and GoTV Subscription:
Dial *326#, go to option 4, then choose TV payment (DSTV or GoTV). Enter your subscription details and amount. - Utility Bills:
For water bills or other utilities, select the utility payment option under 4 and follow prompts. - Government Payments (MRA):
Choose option 4 then 2, enter PRN and amount, and confirm the payment. - Medical Payments (MASM):
Select option 4, then 3, and enter your reference details to pay for your medical subscription.
Other Ecobank USSD Code Features
Aside from transfers and airtime, the Ecobank USSD code has additional features that make banking easier:
- Xpress Cash: Generate a token for withdrawal at any Ecobank ATM or Xpress Point.
- Ecobank Pay: Make payments at registered merchants by manually entering the merchant ID.
- Account Management: View account balances, change PIN, or add accounts to your profile.
- Loan Access: Eligible salaried customers can get pre-approved salary advances of up to 50% of their take-home pay.
Security Tips for Using the Ecobank USSD Code
Although the Ecobank USSD code is secure, you should still follow basic precautions:
- Keep your PIN confidential.
- Do not use easily guessed PINs such as your date of birth.
- Avoid sharing your phone or debit card with others.
- If your phone is lost, contact Ecobank to block your USSD access.
Following these tips ensures your transactions remain safe.
Also read: Fidelity Bank Code for Transfers & Checking Account Balance | Full Guide
Why the Ecobank USSD Code Matters
The Ecobank USSD code bridges the gap between traditional banking and modern digital services. For customers in rural areas or without smartphones, it offers a way to stay connected to financial services. It saves time, reduces the need to visit physical branches, and provides a cost-effective way to bank.
Conclusion
The Ecobank USSD code (*326#) is an essential tool for anyone who wants to enjoy fast, simple, and secure mobile banking. It allows you to transfer funds, recharge airtime, pay bills, manage your account, and more, all without internet access.
If you are already an Ecobank customer, registration is quick and easy. And if you are new to Ecobank, you can open an Xpress account directly from your phone and start transacting immediately.
In a world where convenience and speed matter, the Ecobank USSD code gives you control over your banking needs anytime and anywhere.
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References
- www.ecobank.com – Mobile Banking via USSD
- transfy.io – List of Nigerian Banks USSD Transfer Codes
