Wema Bank Nigeria USSD Codes for Transfers, Airtime, Bills & ALAT

Last verified: September 30, 2025
Disclaimer: nigeriaussdcodes.com is an independent educational website. We are not affiliated with Wema Bank or ALAT by Wema. Codes and service availability may change. All details here are verified through public banking resources and regulatory statements.

What Makes Wema Bank’s USSD Banking Unique

Wema Bank is Nigeria’s oldest indigenous bank, established in 1945. Despite its age, it has remained one of the most innovative institutions—especially with ALAT, the country’s first fully digital bank.

While ALAT dominates the online space, Wema Bank also provides offline convenience through its USSD code *945#, known as Wema Bank USSD Banking. This service allows customers to access their accounts from any GSM phone, with or without internet.

With *945#, users can:

• Transfer funds instantly to any Nigerian bank.

• Check balances.

• Pay electricity, TV, and education bills.

• Buy airtime and data.

• Open or upgrade accounts.

• Manage cards and block accounts in emergencies.

This blend of digital innovation (ALAT) and offline accessibility (USSD) makes Wema one of the few banks bridging all customer segments—tech-savvy youths, rural traders, and professionals alike.

 

Key Takeaways

• Main USSD code: *945# (Wema Bank/ALAT).
• Check balance: *945*0#.
• Transfer to Wema: *945*AccountNumber*Amount#.
• Transfer to other banks: *945*AccountNumber*Amount# → choose bank.
• Airtime (self): *945*Amount#.
• Airtime (others): *945*PhoneNumber*Amount#.
• Buy data: *945# → Data → Network.
• Pay bills: *945# → Bills → Provider.
• Open account: *945*1#.
• Block account: *945*911#.

Service	Code	Description
Register / Activate	*945#	Setup using account number + card or BVN.
Check Balance	*945*0#	Instant balance on screen and SMS.
Transfer to Wema	*945*AccountNumber*Amount#	Quick intra-bank transfer.
Transfer to Other Banks	*945*AccountNumber*Amount#	Choose receiving bank and confirm.
Airtime (Self)	*945*Amount#	Recharge personal line.
Airtime (Others)	*945*PhoneNumber*Amount#	Recharge another line.
Buy Data	*945# → Data	Select network and bundle.
Pay Bills	*945# → Bills	TV, electricity, internet, education.
Open Account	*945*1#	Create new account instantly.
Block Account	*945*911#	Secure funds in emergencies.

 

How to Register for Wema Bank USSD (*945#)

1. Dial *945# on your phone.

2. Select “Register.”

3. Enter your 10-digit Wema Bank account number.

4. Provide the last six digits of your debit card (or BVN if no card).

5. Create a secure 4-digit PIN.

6. Confirm the PIN to complete registration.

Once activated, you can perform transactions immediately.

Note: Always use the SIM linked to your account. Using another line will result in an “Invalid User” message.

Checking Your Account Balance

• Dial *945*0#.

• Enter your PIN.

• Your account balance will display instantly.

Why people use it:

• To confirm salary deposits.

• To verify if a transfer arrived.

• To cross-check withdrawals or POS deductions.

If you see “invalid response,” check that you used your registered SIM or wait a few minutes during network congestion.

Transferring Money via *945#

To Wema Bank Accounts

• Dial *945*AccountNumber*Amount#.

• Example: *945*1234567890*2500#.

• Confirm the recipient’s name → Enter PIN → Done.

To Other Banks

• Dial *945*AccountNumber*Amount#.

• Choose the destination bank.

• Confirm details → Enter PIN → Complete.

Transaction limits: ₦100,000 per transfer, ₦500,000 daily (adjustable based on KYC tier).

Scenarios:

• A student paying hostel fees.

• A tailor sending fabric money to a supplier.

• A parent supporting a child at university.

Transfers are usually completed within seconds; if not, funds are reversed within 24 hours.

Airtime & Data Purchases

Airtime (Self)

• Dial *945*Amount#.

• Example: *945*500#.

Airtime (Others)

• Dial *945*PhoneNumber*Amount#.

• Example: *945*08031234567*1000#.

Buy Data

• Dial *945# → Select “Data.”

• Choose network (MTN, Glo, Airtel, 9mobile).

• Select plan → Confirm with PIN.

Use cases:

• Parents topping up children’s phones.

• Workers renewing data during commutes.

• Small business owners supporting employees.

Paying Bills and Subscriptions

Supported categories include:

• TV: DSTV, GOtv, Startimes.

• Electricity: PHED, IKEDC, BEDC, AEDC, etc.

• Internet: Spectranet, Smile, Swift.

• Education: WAEC, JAMB, school fees.

Steps:

1. Dial *945#.

2. Select Bills.

3. Choose provider category.

4. Enter customer ID or meter number.

5. Verify and confirm with PIN.

Bill confirmations arrive via SMS.

Opening an Account with *945*1#

1. Dial *945*1#.

2. Follow prompts to enter name, DOB, and address.

3. Receive your new Wema Bank account number.

4. Deposit funds or visit a branch later for full verification.

This feature extends banking access to under-served Nigerians without internet or smartphones.

Blocking Your Account During Emergencies

If your phone or SIM is lost:

1. Dial *945*911#.

2. Confirm account to block.

3. Enter PIN for confirmation.

4. You’ll receive a text confirming successful blocking.

Only the account owner can reactivate it later at a branch with valid ID.

Cardless Withdrawals via USSD

You can withdraw cash without an ATM card using Wema’s cardless option:

1. Dial *945#.

2. Select Cardless Withdrawals.

3. Enter amount.

4. Receive a one-time code.

5. Use the code at any Wema ATM to withdraw.

This helps during emergencies when cards are forgotten or damaged.

Security Tips

• Never share your PIN.

• Avoid using birthdates as PINs.

• Change your PIN regularly.

• Use only the SIM registered with Wema Bank.

• Always end sessions properly to avoid “stuck” USSD menus.

Wema encrypts all USSD transactions to meet CBN security standards.

Troubleshooting Common Issues

 

FAQs

Q1: What is Wema Bank’s USSD code?
→ *945#.

Q2: Can I use it without internet?
→ Yes, it’s fully offline.

Q3: How do I transfer to other banks?
→ Use *945*AccountNumber*Amount#.

Q4: How do I check balance?
→ *945*0#.

Q5: Can I recharge another phone?
→ Yes, with *945*PhoneNumber*Amount#.

Q6: What’s the daily limit?
→ ₦500,000 per day.

Q7: Can I open an account?
→ Yes, *945*1#.

Q8: How can I block my account?
→ *945*911#.

Q9: Are there charges?
→ ₦6.98 per session + transaction fee.

Q10: Does Wema offer USSD loans?
→ Yes, certain micro-loan products via *945#.

Q11: Can I use it on dual-SIM phones?
→ Yes, just choose the linked SIM.

Q12: Can I withdraw cash without ATM card?
→ Yes, via cardless option.

Q13: Is USSD banking safe?
→ Yes, secured with PIN encryption.

Q14: Can it work abroad?
→ Only if roaming is active on the line.

Q15: What happens if I forget my PIN?
→ Reset through menu or branch.

How Wema USSD Codes Helps

• A hairdresser in Ibadan receives customer payments through *945# even without a smartphone.

• A student in Nsukka recharges her line instantly before online lectures.

• A trader in Kano pays suppliers and electricity bills from the market stall.

• An elderly man in Abeokuta checks his pension balance monthly via *945*0#.

These examples highlight how Wema’s USSD improves everyday financial life.

The Link Between ALAT and *945#

Wema’s ALAT app serves digital users, while *945# supports offline customers. Both share the same account database—meaning you can register for ALAT and still use 945# on the same number. This dual-access system ensures no one is left behind in Nigeria’s evolving digital economy.

Conclusion

Wema Bank’s *945# USSD service stands among the most complete mobile banking tools in Nigeria. It combines reliability, simplicity, and inclusion—empowering millions to perform financial transactions without data, smartphones, or long queues.

By integrating ALAT for online banking and *945# for offline use, Wema Bank bridges traditional and digital banking systems effectively.

For assistance:

• Customer Care: 07000WEMABANK (0700093622265)

• Website: wemabank.com

• General NCC Help Desk: *300#