If you have ever been stuck without data or far from an ATM, you know the frustration of not being able to access your money. For many Nigerians, quick banking is a necessity, not a luxury. The good news is, Zenith Bank USSD code services make it possible to transfer money, check balances, buy airtime, and even block your account from any mobile phone. No internet, no app, just a simple code.
Today, I am breaking down everything you need to know about using Zenith Bank USSD banking. This is a step-by-step guide that covers transfer codes, balance check codes, airtime recharge codes, account number retrieval, and much more. Whether you are new to mobile banking or already using it but want all the codes in one place, this guide will make sure you never get stuck again.
is the Zenith Bank USSD Code?
The official Zenith Bank USSD code is *966#. This short code is the gateway to Zenith’s EazyBanking platform, a service designed to make financial transactions possible on any type of mobile phone. Once activated, you can carry out transfers, pay bills, check your account balance, and even block your account if your phone is stolen.
How to Activate Zenith Bank USSD Code
To use the USSD service, you first need to activate it on your phone. Here’s how:
- Dial *966*00# using the phone number linked to your Zenith Bank account.
- Enter the last 4 digits of your Zenith Bank debit card.
- Create a secure 4-digit USSD PIN.
- Once successful, you will see a confirmation message that your activation is complete.
If you don’t have a debit card, you can still activate by visiting a Zenith branch or using the Zenith Bank USSD code without ATM card method explained later in this guide.
Zenith Bank Transfer Code
The Zenith Bank transfer code is *966*Amount*Account Number#. This works for transfers to both Zenith accounts and other Nigerian banks. For example, to send ₦5,000 to 1234567890 at GTBank, dial:
*966*5000*1234567890#
You will then be prompted to confirm the transfer and enter your USSD PIN. Funds are transferred instantly, and you receive an SMS confirmation.
How to Check Balance on Zenith Bank
There are several ways to check your balance using Zenith’s USSD codes. Here are the options:
- Zenith Bank balance check code: *966*00#
- Code to check my Zenith account balance: *966*00#
- Zenith code for balance: *966*00#
Dialing this code will display your current account balance on the screen. It is one of the fastest ways to stay on top of your finances without using the internet.
How to Get Zenith Bank Account Number Using USSD
Forgot your account number? You can retrieve it quickly using the Zenith Bank USSD code for account number. Simply dial:
*966*00#
Your account number will be displayed. You can also use this service if you are trying to know your account number via SMS or when registering for online services.
Zenith Bank Code for Airtime Recharge
Running low on airtime? You can recharge your phone or buy airtime for friends and family using the USSD recharge codes:
- Zenith Bank code for airtime (self): *966*Amount#
- Zenith Bank code for airtime (others): *966*Amount*Recipient’s Number#
For example, to recharge ₦1,000 on your own phone, dial *966*1000#. To recharge ₦500 for another number, dial *966*500*08012345678#.
Zenith Bank USSD Code for Blocking Account
If your phone is stolen or you suspect fraud, you can immediately protect your funds using the Zenith Bank block account code. To block your account, dial:
*966*911#
Follow the prompts to enter your phone number and confirm. This service ensures your account remains safe until you visit the bank to restore access.
Zenith Bank USSD Code Without ATM Card
Many customers ask if they can activate or use the Zenith Bank USSD code without ATM card. The answer is yes. If you don’t have a debit card, you can still register by dialing *966*00#, then following the prompts for the “without debit card” option. You may be asked for your BVN (Bank Verification Number) or to confirm details linked to your account.
Zenith Bank USSD Transfer Limit
Zenith Bank sets daily limits for USSD transactions to protect customers. The typical limits are:
- ₦20,000 per transaction
- ₦100,000 daily limit
If you need higher limits, you can request an upgrade by visiting a Zenith branch or contacting customer service.
Why is My Zenith Bank USSD Code Not Working?
Sometimes, customers experience issues with the service. Common reasons include:
- Your SIM card is not linked to your Zenith Bank account.
- You entered an incorrect USSD PIN.
- The mobile network is unstable.
- You have not activated the service properly.
To fix this, ensure you are dialing from your registered phone number, reset your PIN if necessary, or visit a branch if the problem persists.
Also Read UBA USSD Code: Complete Guide to Seamless Mobile Banking in 2025
Frequently Asked Questions About Zenith Bank USSD Code
What is the Zenith Bank code for transfer?
The official Zenith Bank code for transfer is *966*Amount*Account Number#. This works for both Zenith-to-Zenith and Zenith-to-other banks in Nigeria. Always confirm the recipient’s name before entering your PIN.
How do I activate my Zenith Bank USSD transfer code?
To activate, dial *966*00# and follow the steps to register. You will need the last 4 digits of your debit card and will be asked to set a 4-digit PIN. Once done, you can start using the service immediately.
Can I activate Zenith Bank USSD code without ATM card?
Yes. If you don’t have a debit card, dial *966*00#, choose the option for “register without card,” and follow the prompts. You may be asked for your BVN or other account details for verification.
What is the Zenith Bank balance code?
The Zenith Bank code for balance is *966*00#. Dialing this displays your account balance instantly. You can also access it from the *966# main menu.
How do I check my Zenith Bank account number with USSD?
To check your account number, dial *966*00#. Your account details will be displayed, making it easy to retrieve if forgotten.
What is the Zenith Bank airtime code?
For airtime recharge, use:
- Self-recharge: *966*Amount#
- Recharge others: *966*Amount*Recipient’s Number#
This works for all major Nigerian networks.
How do I block my Zenith Bank account using USSD?
If your phone is stolen or compromised, dial *966*911# to block your account instantly. This prevents unauthorized transactions until you resolve it with the bank.
What is the USSD code for Zenith Bank loan?
Zenith sometimes offers loan products via USSD. Dial *966# and check the menu for “loans.” If eligible, you can apply and get disbursed directly to your account. Terms depend on your banking relationship.
Why is my Zenith Bank USSD code not working?
If you get an error when dialing the code, check the following:
- Confirm you are using the phone number linked to your Zenith account.
- Ensure you have network signal.
- Reset your USSD PIN if locked out.
- Visit a Zenith branch if the problem persists.
What is the Zenith Bank USSD daily transfer limit?
The default limit is ₦100,000 daily with ₦20,000 per transaction. To increase this, visit a branch and request a higher USSD transfer limit.
Benefits of Using Zenith Bank USSD Code
- 24/7 Access: Transactions can be done anytime, including weekends and holidays.
- No Internet Required: Works perfectly on feature phones and smartphones without data.
- Secure Banking: Every transaction requires your unique USSD PIN.
- Speed: Transfers, balance checks, and airtime recharge happen instantly.
- Convenience: No need to queue in banks or look for an ATM for everyday transactions.
Zenith Bank USSD Code vs Mobile App
While both USSD and the Zenith Bank Mobile App offer mobile banking, there are key differences:
| Feature | USSD (*966#) | Mobile App |
|---|---|---|
| Internet Required | No | Yes |
| Device Compatibility | Any phone (including feature phones) | Smartphones only |
| Transaction Speed | Instant | Instant |
| Security | USSD PIN | Password, PIN, or biometric |
| Features | Transfers, airtime, bill payments, account services | All banking services, card management, advanced features |
Security Tips When Using Zenith Bank USSD Code
- Never share your USSD PIN with anyone.
- Always confirm recipient details before authorizing transfers.
- If your SIM is lost, immediately block your account with *966*911#.
- Change your USSD PIN regularly for extra safety.
Final Thoughts on Zenith Bank USSD Code
The Zenith Bank USSD code (*966#) has transformed mobile banking in Nigeria, making financial services faster, safer, and more accessible. From transferring money to checking balances and buying airtime, everything can now be done in seconds without an internet connection.
For everyday users, this means you no longer need to rely on apps, ATMs, or visiting a branch. As long as you have your phone, you have your bank in your pocket.
If you haven’t already, take a minute to dial *966*00# and activate USSD banking today. It’s secure, reliable, and puts you in full control of your finances—anytime, anywhere.
SourceGizmosum
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