Heritage Bank USSD Code (*745#) — How to Activate and Use

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Last Updated: November 2025
Disclaimer: nigeriaussdcodes.com is an independent information site. Heritage Bank Plc is separate. All USSD codes and procedures cited here are verified from trusted sources.

Why *745# Matters

If you have a Heritage Bank account and want to carry out banking transactions without internet access, the USSD code *745# is your gateway. With it, you can transfer money, check your balance, buy airtime/data, pay bills, and more — using any mobile phone on any network.

Given that many Nigerians still rely on basic phones or unstable internet, knowing how to activate and use this code effectively makes a big difference.

What is the Code and What It Does

  • Main Short-Code: *745# — this launches the Heritage Bank USSD Banking menu.

  • Works on all major networks (MTN, GLO, Airtel, 9mobile) — on any phone (feature or smartphone).

  • Key functions include:

    • Check account balance (*745*0#)

    • Transfer to Heritage account → *745*1*Amount*AccountNumber#

    • Transfer to other banks → *745*2*Amount*AccountNumber#

    • Airtime top-up (self) → *745*Amount#

    • Airtime for others → *745*Amount*PhoneNumber#

    • Block account/USSD → *745*11# or variant *745*911# for security lock.

How to Activate the Heritage Bank USSD Service

Here’s the step-by-step activation process:

  1. Ensure your mobile number is linked to your Heritage Bank account (the number you used when opening the account).

  2. Using that mobile number, dial:

    *745*YourAccountNumber*Last6DigitsOfDebitCard#

  3. When prompted, reply “1” to accept Terms & Conditions.

  4. Select your debit card type (Visa, MasterCard) and enter the expiry date printed on the card (if required) — as part of authentication.

  5. Create a 4-digit USSD transaction PIN (this is separate from your ATM PIN).

  6. Confirm your account number and PIN.

  7. After successful confirmation, you will receive an SMS: “USSD Banking Activated”.

  8. Now dial *745# to access the menu.

Note: Some sources indicate you may alternatively dial simply *745# and follow on-screen prompts if your account number and card are already registered in the system.

How to Use the USSD Code — Major Functions and Examples

Check Balance

Dial *745*0# → Enter your PIN → Screen shows your current balance.

Transfer to another Heritage Bank account

Dial:

*745*1*Amount*AccountNumber#

Example: To send ₦5,000 to account 00123456789:

*745*1*5000*00123456789#

Enter your PIN when prompted.

Transfer to other bank (inter-bank)

Dial:

*745*2*Amount*AccountNumber#

Select recipient bank from list if prompted → Enter your PIN → Done.

Airtime Top-Up for Self

Dial:

*745*Amount#

Example: *745*1000# (Top up ₦1,000) → Enter PIN.

Airtime Top-Up for Others

Dial:

*745*Amount*PhoneNumber#

Example: *745*500*08031234567# → Enter PIN.

Bill Payments & Other Services

From the main menu after dialing *745#, choose “Pay Bills” → select utility/TV/data etc.
For example, Bet9ja top-up: *745*222*Bet9jaUserID*Amount#

Quick Commands & Shortcuts

  • Activate USSD: *745*00# or *745*AccountNumber*Last6CardDigits#

  • Change USSD PIN: *745*00#

  • Block USSD / account in emergency: *745*11# or *745*911# (from any phone)

Self-Service Tips to Get the Most Out of *745#

  • Keep a small airtime balance (₦10–₦50) on your phone because dialing USSD uses airtime or service session credit.

  • Use your registered mobile number only for USSD — not a secondary un-linked SIM.

  • Memorize a few commands you use often (e.g., balance check, transfer) to do things faster.

  • After each transaction check your SMS for confirmation to record your mini-statement.

  • If you have more than one account with Heritage Bank, you may select the desired one when prompted after registration.

  • Avoid using public/shared phones for USSD banking — always use your personal phone where your number is registered.

  • If you get a message like “Invalid PIN” repeatedly, wait a few minutes before retrying to avoid getting locked.

  • If transfer fails or gets stuck, wait a minute then dial again rather than repeating immediately — it may be a network lag.

Troubleshooting Common Issues

Issue Likely Cause Fix
“Registration required” Your number not linked Visit branch or call Heritage Bank to link your phone
“Invalid PIN” Wrong PIN entered Reset via branch or use change-PIN command *745*00#
“Insufficient funds / Balance” Airtime or account funds low Recharge airtime and confirm account balance
“Transfer failed” Network issue or wrong bank code Wait 2–3 minutes and retry; verify account number and bank
“Service temporarily unavailable” USSD gateway or server issue Try again later or use branch/online app
“Code not responding” Weak signal or wrong SIM slot Move to stronger network location; use correct SIM slot

Security & Fraud Prevention Tips for Using *745#

  • Never share your USSD PIN or ATM PIN with anyone.

  • Only dial the code from your registered number — others cannot use it.

  • If your phone/SIM is lost or stolen, dial emergency block *745*911# (or their emergency code) from another phone to freeze your USSD profile.

  • Ensure you log out of any transaction menu and close the session properly.

  • Do not dial codes or follow links sent through unverified SMS or WhatsApp offering “free money” or “instant loan” — such are often scams.

  • Keep your phone’s software updated and avoid installing unknown apps that may intercept USSD sessions.

  • Regularly review your account balance and transaction history — unusual activity should be reported immediately.

Why Use Heritage Bank USSD Banking?

  • Works 24/7 on any network, with no internet required.

  • Ideal for quick access when you’re offline or in areas with poor data signal.

  • Enables full self-service: transfers, airtime, bills, etc., from a single code.

  • Supports both feature phones and smartphones — inclusion-friendly.

  • Quick activation — no long branch queues required; you can start in minutes.

Frequently Asked Questions (FAQs)

What is the USSD code for Heritage Bank?

The main code is *745#.

Can I open a Heritage Bank account via USSD?

Yes — the menu via *745# includes an “Open Account” option where available.

How do I check my Heritage Bank account balance with USSD?

Dial *745*0#, enter your PIN, and your balance appears instantly.

What is the transfer code to send money to other banks?

Use *745*2*Amount*AccountNumber# then select the recipient bank and enter your PIN.

Is there a session charge for using USSD?

Yes — you will incur a small service fee per session as regulated by the NCC. Always ensure you have enough airtime.

Can I buy airtime for someone else using *745#?

Yes — dial *745*Amount*PhoneNumber# to recharge a friend’s line.

What if I forget my USSD PIN?

You can reset it via your branch or by using the change-PIN command: *745*00#.

Can I block my USSD access remotely if my phone is lost?

Yes — use the emergency block code *745*11# (or *745*911#) from any phone. Legit.ng – Nigeria news.

Does the USSD code work if I’m abroad?

Generally it works only within Nigeria (depends on your network’s roaming and bank support). It’s safer to use your bank’s official app when abroad.

What if the code doesn’t respond at all?

Check network signal, make sure your SIM slot is correct, wait a few minutes (could be bank server downtime), then try again or visit a branch.

Conclusion

The *745# USSD service from Heritage Bank offers you a robust, data-free way to manage your finances anytime, anywhere. Whether you want to transfer money, check your balance, top up airtime, or block your account in an emergency — it’s all there via one code.

Make sure you:

  • Register correctly using your linked number and debit card details

  • Set a strong PIN and safeguard it

  • Use the features responsibly and monitor your transactions

  • Act fast if something looks wrong

Bookmark this guide on nigeriaussdcodes.com — your up-to-date source for verified USSD codes and mobile banking tips.

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