Jaiz Bank USSD Code (*773#) — Islamic Banking on Mobile

Last Updated: November 2025
Disclaimer: nigeriaussdcodes.com is an independent information platform. Jaiz Bank Plc is a separate entity. All USSD codes and procedures here have been gathered from publicly-available sources and verified to the best of our ability. Always confirm with the bank’s official channels if in doubt.

Why Jaiz Bank’s USSD Matters

Jaiz Bank is Nigeria’s first fully Islamic (non-interest) bank. It offers banking services consistent with Shariah principles and also aims to reach customers using basic phones.

For account holders who may not always have internet access, the USSD code *773# represents a quick, secure way to conduct banking transactions without data. Whether you’re using a feature phone in a rural area or just want fast banking on the go, the code gives you access to transfers, balance checks, airtime, bill payments and more — in line with Islamic banking values.

In this guide you will learn:

• What the USSD code is and how to register it

• How to use it for key services (transfers, airtime, bills)

• How to operate it with Shariah-compliant mindset

• Common errors and how to fix them

• Security tips specific to Jaiz Bank’s USSD usage

Jaiz Bank USSD Code at a Glance

• Primary USSD Shortcut: *773# (as used by Jaiz Bank for mobile banking)

• Alternative format / detailed template: *389*301# (documented in several USSD listings)

• Works across all major mobile network providers (MTN, GLO, Airtel, 9mobile) on any type of phone.

• Key Services Covered: Balance enquiry, Intra-Bank transfers, Inter-Bank transfers, Airtime top-up, Bill payments, Cardless withdrawal, Account blocking in emergencies.

How to Register & Activate Jaiz Bank USSD Code

Follow these steps to get started:

1. Use your registered mobile number — the phone number must be the same one you used to open your Jaiz Bank account.

2. On that phone, dial *773#.

3. The menu will prompt you to:

   • Enter your account number (if required)

   • Create a 4-digit USSD PIN (for example, 1234)

   • Confirm/accept terms and conditions

4. Once registration is successful, you will receive a confirmation SMS:

   “You have successfully registered for Jaiz USSD Banking. Your code *773# is now active.”

5. You are now ready to perform transactions.

Note: If the phone number is not linked to your account, you may get a message like “Registration required” or “Number not recognised”. Visit a Jaiz Bank branch or call their support to link the number.

Using the *773# Code — Key Services & Examples

Here are some of the most-used commands and how to apply them:

Tip: After each transaction you will receive an SMS notification:
“Your account no. 301… has been debited ₦5,000 via USSD. New balance ₦… Thank you for banking with Jaiz.”
Check these to confirm what you did and for your records.

Islamic Banking Features and How They Reflect in USSD Use

Because Jaiz Bank follows Shariah principles (non-interest banking), here are some notes for users:

• Transfers and services are structured without interest or prohibited transactions (riba) — the USSD commands align with these principles.

• Some menus may include “Zakat” or “Islamic Savings” options — check if your code menu has them (depending on your account type).

• When you transfer or pay, think of it as a service contract rather than “interest” — you are paying a legit fee, not interest.

• Always confirm the recipient’s name when transferring — proper naming aligns with ethical banking standards.

Common Errors & How to Resolve Them

Security & Fraud Prevention for Jaiz Bank USSD

Given the nature of mobile banking and USSD, security must be a top priority:

• Always dial from the mobile number registered with your Jaiz Bank account.

• Choose a strong 4-digit USSD PIN (not easily guessable).

• Never share your PIN or OTP with anyone — Jaiz Bank will not ask for them.

• After you dial *773#, end the session properly (press “End Call” or “Cancel”) to avoid leaving a session open.

• If your phone is lost or stolen, call Jaiz Bank immediately and use the emergency block code *773*911*PhoneNumber# to freeze your account.

• Avoid doing USSD transactions on public/shared phones.

• Monitor transaction alerts via SMS — any debit you didn’t authorize should be reported right away.

Best Practices & Self-Service Tips

• Save the code *773# in your phone’s favorites under “Jaiz USSD Banking.”

• Memorize the main transfer commands instead of relying on menus — it saves time.

• Keep at least ₦10 airtime on your phone, because a USSD session may need airtime to initiate (for network charge).

• In busy areas, dial the code when network signal is strong (3–5 bars) — some errors are due to poor signal.

• Use the SMS confirmation for record-keeping — you can later check via Jaiz Bank App or mini-statement.

• If you travel or are in a low-coverage area, avoid big transfers until you’re in a reliable signal zone.

Frequently Asked Questions (FAQs)

What is the USSD code for Jaiz Bank?

The primary code is *773# — dial it from your phone linked to your Jaiz Bank account.

Can I use 389301# for Jaiz Bank USSD?

Yes — it is an alternative style code documented in listings (*389*301#) though the simpler *773# is widely used.

How do I transfer money with Jaiz USSD?

Dial *773*Amount*AccountNumber# for transfers (to Jaiz). For other banks, pick the option in the menu or use *773*2*Amount*AccountNumber#.

How do I check my Jaiz Bank balance via USSD?

Dial *773*00# or *773# → Balance Inquiry → enter your PIN → you’ll receive a pop-up and SMS with your balance.

What if I forget my USSD PIN?

Visit any Jaiz Bank branch, call their support, or follow “Change PIN” in the menu. Never share your forgotten PIN with anyone.

Is there a charge for using the Jaiz USSD service?

Yes — a session fee regulated by the NCC/CBN (currently ₦6.98 for many banks), plus any transaction fee charged by the bank. Always check the latest bank disclosure.

Can I open a Jaiz Bank account using USSD only?

Not fully. While USSD handles many transactions, account-opening may require branch or mobile app verification. Confirm directly with Jaiz Bank.

What is the transfer limit for Jaiz Bank USSD?

Limits depend on account type and verification level. Example sources say the transfer limit for basic USSD may be around ₦150,000 daily.

How do I block my Jaiz Bank account quickly if I suspect fraud?

You can use the emergency block code: *773*911*PhoneNumber# from any phone to freeze your account.

Can I use the code on any network (MTN, GLO, Airtel, 9mobile)?

Yes — as long as the phone number is linked to your Jaiz Bank account and the SIM is active on the network.

Conclusion

Jaiz Bank’s USSD code *773# empowers you to manage your finances anywhere — without internet and with full compliance to Islamic banking values. By learning how to register, transact, and secure the service, you put yourself in control.

Remember: ensure your phone number is linked, keep your PIN safe, and always verify transactions via SMS. With these habits, you’ll enjoy fast, ethical, and secure mobile banking on your terms.

Visit nigeriaussdcodes.com to stay updated on any code changes, new features or security alerts for Jaiz Bank and other Nigerian banks.