Keystone Bank Nigeria USSD Codes for Transfers, Airtime, Bills & Account Services

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Last verified: October 2025
Disclaimer: nigeriaussdcodes.com is an independent educational website. We are not affiliated with Keystone Bank Plc. Codes and services can change at any time; information here is verified with official Keystone Bank and Nigerian regulatory sources.

Keystone Bank Plc is one of Nigeria’s major retail and commercial banks, serving millions of customers through branches and digital platforms nationwide.
Its mobile USSD service, known as “*7111# – Keystone Bank USSD Banking”, helps customers perform quick transactions without internet access.

Using *7111#, you can:

  • Check your balance in seconds.

  • Transfer money to any bank in Nigeria.

  • Buy airtime and data instantly.

  • Pay electricity, TV, and other bills.

  • Open new accounts on your phone.

  • Block your account during emergencies.

It works on all networks (MTN, Airtel, Glo, 9mobile) and on any GSM phone type — smart or basic. It remains a powerful tool for financial inclusion and cashless transactions in Nigeria.

Key Takeaways
  • Main USSD code: *7111# (Keystone Bank USSD Banking).
  • Check balance: *7111*00#.
  • Transfer to Keystone Bank: *7111*Amount*AccountNumber#.
  • Transfer to other banks: same format → select bank and confirm.
  • Airtime (self): *7111*Amount#.
  • Airtime (others): *7111*Amount*PhoneNumber#.
  • Buy data: *7111# → Data → Network → Plan.
  • Pay bills: *7111# → Bills → Provider.
  • Open account: *7111*0#.
  • Block account: *7111*911#.

Keystone Bank USSD Codes Table

Service Code Details
Register / Activate *7111# Register with account + card/BVN to set PIN.
Check Balance *7111*00# Displays available balance instantly.
Transfer to Keystone *7111*Amount*AccountNumber# Instant intrabank transfer.
Transfer to Other Banks *7111*Amount*AccountNumber# Select other bank → confirm → enter PIN.
Airtime (Self) *7111*Amount# Recharge your own line quickly.
Airtime (Others) *7111*Amount*PhoneNumber# Recharge friends or family.
Buy Data *7111# → Data Pick network and plan.
Pay Bills *7111# → Bills TV, Power, Internet, Education.
Open Account *7111*0# Instant account opening without forms.
Block Account *7111*911# Freeze account in case of fraud or loss.

How to Register for Keystone Bank USSD (7111#)

  1. Dial *7111# on your registered mobile line.

  2. Select “Register.”

  3. Enter your Keystone Bank account number.

  4. Input the last six digits of your debit card or provide your BVN.

  5. Create a secure 4-digit PIN.

  6. Confirm the PIN to complete activation.

You’re now ready to start banking without internet.

Tip: If you don’t have a card, you can register with your BVN and date of birth.

Checking Your Account Balance

  • Dial *7111*00#.

  • Enter your PIN.

  • Your balance displays on the screen and is also sent by SMS.

Why it matters: It saves time and lets you verify transactions before withdrawing cash or making payments.

If the code fails, ensure you’re using the linked SIM and that you have network signal.

Making Transfers via *7111#

To Keystone Bank Accounts

  • Dial *7111*Amount*AccountNumber#.

  • Example: *7111*2000*0012345678#.

  • Confirm recipient name → Enter PIN → Done.

To Other Banks

  • Dial *7111*Amount*AccountNumber#.

  • Select recipient bank from menu.

  • Confirm details → Enter PIN.

Limits: ₦100 000 per transaction; ₦500 000 daily for basic tiers. Visit a branch for higher limits.

If deducted but receiver doesn’t get funds, transactions are usually reversed within 24 hours.

Buying Airtime and Data

Airtime (Self)

*7111*Amount# → Example: *7111*1000#.

Airtime (Others)

*7111*Amount*PhoneNumber# → Example: *7111*500*08031234567#.

Data

  1. Dial *7111#.

  2. Select Data.

  3. Choose network and plan.

  4. Confirm with PIN.

Everyday uses: Parents recharge their children’s lines; sellers top up their data during business; students renew plans instantly.

Paying Bills and Subscriptions

Supported categories include:

  • Electricity: IKEDC, EEDC, AEDC, PHED, JEDC.

  • Television: DSTV, GOtv, Startimes.

  • Internet: Spectranet, Smile, Swift.

  • Education: WAEC, JAMB, school fees.

Steps:

  1. Dial *7111#.

  2. Choose Bills Payment.

  3. Select biller.

  4. Enter customer ID or meter number.

  5. Confirm amount → Enter PIN.

A confirmation SMS follows within seconds.

Opening a New Account via USSD

  1. Dial *7111*0#.

  2. Follow on-screen prompts to enter your name and other details.

  3. Receive your new Keystone Bank account number immediately.

  4. Fund it to activate or visit a branch later for full KYC.

This service helps people without internet or nearby branches become banked in minutes.

Blocking Your Account in an Emergency

If your phone or SIM is lost:

  1. Dial *7111*911#.

  2. Select account to block.

  3. Enter PIN.

  4. Receive confirmation SMS.

Visit any Keystone branch with valid ID to reactivate later.

Security Tips

  • Never share your PIN with anyone.

  • Avoid predictable PINs like birthdays.

  • Change your PIN periodically.

  • Use only your registered SIM for transactions.

  • If you suspect fraud, block immediately via *7111*911#.

Keystone Bank’s USSD transactions use encrypted channels approved by the CBN and NIBSS.

Troubleshooting Common Issues

Problem Cause Fix
Invalid MMI Code Dialed from wrong SIM Use registered SIM and retry.
Session Timeout Menu delay or network lag Respond faster or retry later.
Failed Transfer Network error Wait few minutes or check status.
Airtime Not Received Telco delay Wait 15 minutes and check SMS.
PIN Blocked Wrong entries Reset via menu or branch.
Bill Payment Error Incorrect customer details Double-check and retry.

FAQs

Q1: What is Keystone Bank’s USSD code? → *7111#.
Q2: Do I need internet? → No, works offline.
Q3: How do I check balance? → *7111*00#.
Q4: How do I transfer to other banks? → *7111*Amount*AccountNumber#.
Q5: What are the charges? → ₦6.98 session fee + bank transfer fees.
Q6: What’s the limit? → ₦500,000 daily for tier 1 users.
Q7: Can I buy data on any network? → Yes, MTN, Airtel, Glo, 9mobile.
Q8: How do I block my account? → *7111*911#.
Q9: Can I open an account? → Yes, *7111*0#.
Q10: Is USSD safe? → Yes, secured by PIN.
Q11: Can it work abroad? → Yes, if SIM roaming is active.
Q12: Can I pay DSTV and electricity bills? → Yes.
Q13: What if money is deducted but not delivered? → Reversal within 24 hours.
Q14: Can dual-SIM phones use it? → Yes, select linked SIM.
Q15: Where can I get help? → Customer care lines below.

Usage Sample

  • A civil servant in Abuja uses *7111# to pay electricity bills each month.

  • A student in Enugu tops up data daily without internet bundles.

  • A market trader in Kano transfers sales proceeds securely to suppliers.

  • A teacher in Benin checks balance and pays school fees for her children from home.

These real-world scenarios show how USSD banking simplifies life for Nigerians of all classes.

How Keystone’s USSD Supports Financial Inclusion

The Central Bank of Nigeria encourages banks to reach the unbanked. By allowing account creation, payments, and transfers without internet, Keystone’s *7111# service helps millions join the formal financial system — especially in rural areas where network coverage is limited and data costs are high.

Conclusion

Keystone Bank’s *7111# USSD service is fast, secure, and inclusive. It allows customers to bank from any location without data or smart devices. From checking balances to bill payments and emergency account blocking, it simplifies banking for millions of Nigerians.

Customer Support:

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