Keystone Bank USSD Code (*7111#) — Account & Airtime Guide

Last Updated: November 2025
Disclaimer: nigeriaussdcodes.com is an independent informational site. Keystone Bank is a separate entity. The USSD code and functions listed here are verified via Keystone Bank’s official site.

Why *7111# Matters

For many Nigerians, especially those who use feature phones or have limited access to smartphones/ internet, USSD banking remains vital.
Keystone Bank’s code *7111# allows you to manage your account, buy airtime, send money, and much more — all from your mobile phone without needing data. 
This 2025 update will walk you through how to register and use the code, account functions, airtime purchases, limits, security tips, and more.

Keystone Bank USSD Code at a glance

• USSD Code: *7111# (also seen as *7111*00# for balance enquiry)

• Works on all major mobile networks (MTN, GLO, Airtel, 9mobile) for customers whose mobile number is linked to their Keystone account.

• Key services: balance check, transfers (intra- and inter-bank), airtime top-up (self & others), data purchase, account blocking/panic code, ATM card activation, bill payments.

• No internet required — works through GSM network.

How to Register & Activate *7111#

Here are the simple registration steps:

1. Ensure the mobile number you will use is linked to your Keystone Bank account.

2. From that number, dial:

   • *7111*0# → choose “Register” → enter account number → birth year → create transaction PIN.

   • OR Dial *7111# → attempt an action like “Balance Enquiry” → registration prompt shows → follow through.

3. After successful registration, you’ll receive a confirmation SMS: “Your USSD banking is activated.”

4. You are now ready to use the USSD code for your transactions.

Note: Use only your registered phone number. If you attempt from a different number, the system may ask for additional verification or block your request.

Key Services & How to Use Them

Below are the most useful service commands with examples tailored for Keystone Bank.

Limits & Charges

Understanding limits helps you avoid failed transactions:

• Daily Transfer Limit (Intra + Inter bank): ₦100,000 (per day) for *7111#.

• Maximum Daily Airtime Purchase: ₦10,000.

• Charges: You will still pay the standard session or transfer fee your bank sets (check with Keystone for latest).

• Work only using your registered phone number tied to your account.

Security & Self-Service Tips

• Always use the phone number linked to your account.

• Create a strong transaction PIN (avoid birthdays or simple sequences).

• Keep your phone locked with a passcode, fingerprint or facial unlock.

• If phone is lost or stolen, dial *7111*911# to block your account immediately.

• Never share your PIN or OTP with anyone. Keystone Bank will never ask for your PIN.

• Verify you’re using the genuine code *7111#. Scam links or offers may redirect you away.

• After making transactions, check your SMS alerts to confirm changes.

• If you receive unexpected transactions, contact Keystone’s customer care: +234 700 2000 3000

What to Do If *7111# Isn’t Working

Why *7111# Is Useful for You

• Works anytime, anywhere (24/7).

• No need for internet or mobile app — perfect for basic phones.

• Supports key services: airtime, transfers, data top-up, blocking, etc.

• Ideal for users in rural areas, traders, students, and those on the move.

Frequently Asked Questions (FAQs)

1. What is Keystone Bank’s USSD code?
   The code is *7111# for USSD banking.

2. Can I use my friend’s phone to dial *7111#?
   Only if the SIM is your registered number. Using a different number may block or reject registration.

3. How much can I transfer in a day with *7111#?
   Up to ₦100,000 per day (combination of intra- and inter-bank).

4. Can I buy airtime for others using *7111#?
   Yes — use format *7111*Amount*PhoneNumber#.

5. What should I do if I lose my phone?
   Immediately dial *7111*911# from any phone to block your account, and contact Keystone Bank.

6. Does using *7111# cost extra?
   You’ll be charged the standard USSD session fee (if any) and any transfer fee your bank applies.

7. Can I open an account via *7111#?
   Yes — the USSD service supports account opening, but you may need to visit the branch for full KYC.

8. What if the code fails abroad?
   USSD should still work if your line is roaming and registered, but network and roaming settings affect success.

9. How do I change my default top-up account for airtime via USSD?
   Dial *7111# → “Other services” → “Change default top-up account” → enter account number.

10. Is the service secure even without internet?
    Yes — USSD transactions are over GSM and require your PIN for authorization, making them secure when used properly.

Conclusion

Keystone Bank’s *7111# USSD platform is a smart, efficient, and secure way to carry out banking without needing data or apps.
Whether you’re topping up airtime for yourself or someone else, transferring money, checking your balance, or enrolling quickly — this code puts control in your hands.

Make sure your phone number is registered, you know the correct commands, you protect your PIN, and you keep the code handy. With this article as your guide, you’re ready to fully leverage Keystone Bank’s USSD service with confidence.