Ecobank USSD Code: How to Use *326# for Easy Mobile Banking

Ecobank USSD Code(photo credit ecofinagency)

Discover the Ecobank USSD code *326# for instant transfers, airtime top-up, and bill payments. Fast, secure, and accessible without internet.

Banking Without Internet

Managing money on the go should be simple. With Ecobank, you don’t need a smartphone or internet connection to carry out transactions. Thanks to the Ecobank USSD code *326#, customers can send money, buy airtime, pay bills, and check balances with just a few taps.

This service is designed for convenience, giving Ecobank customers control over their finances anytime and anywhere.

What is the Ecobank USSD Code?

The official Ecobank transfer code is *326#. It works across all GSM networks in Nigeria, including MTN, Airtel, Glo, and 9mobile.

By dialing *326#, Ecobank customers can:

Transfer money to Ecobank and other banks
Buy airtime for themselves and others
Pay bills like DSTV, PHCN, and Startimes
Check account balance and mini statements
Open an instant Ecobank Xpress account
Perform cardless ATM withdrawals

This feature is part of Ecobank’s Xpress Banking services, aimed at making financial transactions easier for everyone.

How to Register for Ecobank USSD Code

Before you can enjoy *326#, you need to activate it on your phone:

Dial *326# using the phone number linked to your Ecobank account.
Enter your Ecobank account number when prompted.
Create a secure 4-digit PIN for USSD transactions.
Confirm your PIN to complete registration.

Once set up, you can carry out transactions instantly.

Common Ecobank USSD Code Transactions

1. How to Check Balance

Dial:
*326*0#
Your current account balance will be displayed on your screen.

2. How to Transfer Money

To Ecobank accounts: *326*Amount*Account Number#
To other banks: Follow prompts after entering amount and recipient account number.

Example: *326*5000*1234567890#

3. How to Buy Airtime

For yourself: *326*Amount#
For others: *326*Amount*Recipient’s Number#

Example: *326*200*08012345678#

4. How to Pay Bills

Dial *326*2#, then select your biller (e.g., DSTV, PHCN, GOTV). Enter your customer details, confirm, and authorize with your PIN.

5. How to Open an Ecobank Account

Dial *326# and select the option for Xpress Account. This allows you to open a simple account in minutes without visiting a branch.

Why Use the Ecobank USSD Code?

No internet needed – works on all types of phones.
24/7 access – transact anytime, even during holidays.
Available nationwide – works across all mobile networks.
Secure – every transaction is protected by your personal PIN.
Fast and easy – complete transactions in under a minute.

Why is *326# Not Working?

If you’re having issues using the Ecobank USSD code, check the following:

Make sure you’re dialing from the phone number linked to your Ecobank account.
Ensure you have at least ₦6.98 airtime for USSD session charges.
Check your mobile network coverage.
Reset your USSD PIN if forgotten.

For further assistance, visit the official Ecobank Nigeria website or contact Ecobank customer care.

Other Ecobank Digital Banking Options

If you prefer internet-based banking, Ecobank also provides:

Ecobank Mobile App – Available on Google Play Store and Apple App Store.
Internet Banking – Accessible through the official Ecobank Online Portal.

These platforms offer advanced features such as international transfers, debit card management, and investment services.

Frequently Asked Questions (FAQs)

Q: What is the Ecobank USSD transfer code?
A: The code is *326#, which allows transfers to Ecobank and other banks.

Q: How much does it cost to use Ecobank USSD code?
A: A ₦6.98 network fee is charged per USSD session, plus standard bank transaction charges.

Q: Can I open an Ecobank account with USSD?
A: Yes, dial *326# and choose the option to open an Xpress account.

Q: Can I reset my USSD PIN?
A: Yes, dial *326# and select the “PIN reset” option.

Take Control of Your Banking with *326#

The *Ecobank USSD code (326#) is one of the fastest and easiest ways to manage your account on the go. Whether you want to send money, check your balance, or buy airtime, this code keeps banking simple and stress-free.

👉 Dial *326# today and experience instant banking without internet. For more features, download the Ecobank Mobile App and enjoy seamless digital banking.