Wema Bank USSD Code: Quick Guide to Mobile Banking in 2025

Wema Bank USSD Code (photo credit seek logo.com)

Learn how to use the Wema Bank USSD code *945# for transfers, airtime, bill payments, and more. Stay in control of your banking anytime, anywhere.

Why the Wema Bank USSD Code Matters

In today’s fast-paced world, convenience is everything. Imagine being able to transfer money, buy airtime, or pay bills without needing internet access or visiting a bank branch. That’s exactly what the *Wema Bank USSD code 945# offers.

Whether you’re a student, business owner, or everyday user, this mobile banking service makes transactions faster, safer, and available 24/7. If you’re wondering how the Wema Bank transfer code works, this guide will break it all down for you.

What is the Wema Bank USSD Code?

The official Wema Bank USSD code is *945#. It’s a shortcode that allows customers to carry out different banking transactions directly from their mobile phone, with or without internet connection.

The service works on any type of phone (smartphones or feature phones) and is available on all major networks in Nigeria (MTN, Glo, Airtel, and 9mobile).

How to Register for Wema Bank USSD Code

Before using the service, you need to register. Here’s how:

1. Dial *945# on your registered Wema Bank phone number.
2. Enter your Wema Bank account number.
3. Create a secure 4-digit PIN for authorization.
4. Confirm your details to complete registration.

Once completed, you can start using the Wema Bank transfer code immediately.

Common Transactions with Wema Bank USSD Code

The Wema Bank USSD code can be used for several services:

1. Money Transfers

• To transfer to Wema Bank accounts: 945Account NumberAmount#*
• To transfer to other banks: 945Beneficiary Bank CodeAccount NumberAmount#**

2. Airtime Recharge

• For self-recharge: 945Amount#
• For others: 945Phone NumberAmount#*

3. Bill Payments

Pay for services like DSTV, PHCN, and GOTV directly by dialing *945# and following the on-screen menu.

4. Account Balance & Statements

• Check balance: 9450#
• Mini statement: 945Account Number#

5. Account Management

• Change PIN: 94500#
• Open a new Wema Bank account instantly: 9451#

Benefits of Using Wema Bank USSD Code

The Wema Bank mobile banking code comes with many advantages:

• Accessibility: Works without internet, even on basic phones.
• Speed: Complete transactions in seconds.
• Security: Protected by a personal 4-digit PIN.
• Convenience: No need to visit a bank branch or ATM.

Limitations and Things to Note

While the service is convenient, there are some things to keep in mind:

• You must use the phone number linked to your Wema Bank account.
• Transaction limits may apply (usually ₦20,000 per transaction and up to ₦100,000 daily, depending on your account type).
• Ensure you keep your PIN private to avoid unauthorized transactions.

Alternative: The ALAT by Wema Mobile App

If you prefer internet banking, Wema Bank also offers ALAT by Wema, Nigeria’s first fully digital bank app. With ALAT, you can open an account, request a virtual card, set savings goals, and more.

Download it from the Google Play Store or the App Store. Combining ALAT with the Wema Bank USSD code gives you full flexibility in managing your money.

Frequently Asked Questions (FAQs)

Q: What is the Wema Bank USSD transfer code?
The transfer code is the same as the USSD code, *945#.

Q: Can I use Wema Bank USSD code without internet?
Yes, it works offline.

*Q: Is there a charge for using 945#?
Yes, minimal telecom charges apply per transaction.

Q: Can I use any SIM card for Wema USSD banking?
No, only the number linked to your Wema Bank account will work.

Take Control of Your Banking with *945#

The Wema Bank USSD code makes banking simple, secure, and available right at your fingertips. From money transfers to airtime top-ups, this code ensures you can manage your finances anywhere, anytime.

👉 Start using *945# today or download the ALAT by Wema app for even more banking flexibility. Don’t wait—take control of your money the smart way.