Stanbic IBTC 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 Stanbic IBTC Bank Plc. All codes are verified from official Stanbic and Nigerian regulatory sources.

Why Stanbic IBTC’s *909# Service Is Important

Stanbic IBTC Bank, a member of Standard Bank Group, is one of Nigeria’s most trusted institutions for personal and business banking.
Its mobile USSD platform, *909#, allows customers to perform secure financial transactions without data or internet access.

With *909#, users can:

  • Check balances and recent transactions.

  • Transfer funds to any Nigerian bank.

  • Buy airtime and data.

  • Pay electricity, TV, and other bills.

  • Open or upgrade accounts.

  • Apply for mini-loans and cardless withdrawals.

  • Block cards or accounts in emergencies.

Because the service works on basic GSM phones, it’s ideal for Nigerians who live in rural or low-connectivity areas.

Key Takeaways

  • Main USSD code: *909# (Stanbic IBTC Mobile Money).
  • Check balance: *909*1*1#.
  • Transfer funds: *909*11*Amount*AccountNumber#.
  • Airtime (self): *909*Amount#.
  • Airtime (others): *909*Amount*PhoneNumber#.
  • Buy data: *909# → Data → Choose network.
  • Pay bills: *909# → Bills → Select service.
  • Open account: *909*0#.
  • Block card/account: *909*911#.

 

Full Stanbic IBTC USSD Codes Table

Service Code Description
Register / Activate *909# Activate using account + card or BVN.
Check Balance *909*1*1# Displays available balance.
Transfer to Stanbic *909*11*Amount*AccountNumber# For intrabank transfers.
Transfer to Other Banks *909*22*Amount*AccountNumber# Select destination bank.
Airtime (Self) *909*Amount# Recharge your own line instantly.
Airtime (Others) *909*Amount*PhoneNumber# Recharge another line.
Buy Data *909# → Data Choose network and plan.
Pay Bills *909# → Bills Pay PHCN, DSTV, etc.
Open Account *909*0# Create new account on phone.
Block Account *909*911# Emergency blocking service.

How to Register for Stanbic IBTC USSD (909#)

  1. Dial *909# on the phone number linked to your Stanbic IBTC account.

  2. Choose “Register.”

  3. Enter your 10-digit account number.

  4. Provide the last 6 digits of your debit card or BVN.

  5. Set a secure 4-digit PIN.

  6. Confirm the PIN — you’re ready to use *909#.

Tip: Customers without debit cards can register using BVN verification.

Checking Your Account Balance

  • Dial *909*1*1#.

  • Enter your 4-digit PIN.

  • Your balance appears instantly and an SMS is sent for records.

Everyday uses:

  • Verify salary payments.

  • Confirm if transfers arrived.

  • Track spending after POS withdrawals.

If you see “invalid request,” retry after network stabilization.

Transferring Money with 909#

To Stanbic Accounts

  • Dial *909*11*Amount*AccountNumber#.

  • Example: *909*11*2500*1234567890#.

  • Confirm name → Enter PIN → Transaction complete.

To Other Banks

  • Dial *909*22*Amount*AccountNumber#.

  • Choose receiving bank from the menu.

  • Confirm → Enter PIN.

Transfer limits: ₦100 000 per transaction and ₦500 000 daily (basic tier). Higher limits available after verification.

Buying Airtime and Data

Airtime (Self)

*909*Amount# → e.g., *909*500#.

Airtime (Others)

*909*Amount*PhoneNumber# → e.g., *909*200*08031234567#.

Data

  1. Dial *909#.

  2. Choose Data.

  3. Select network and bundle.

  4. Confirm with PIN.

Transactions are processed within seconds.

Paying Bills and Subscriptions

Supported billers include:

  • Power: IKEDC, EEDC, AEDC, PHED, BEDC.

  • Television: DSTV, GOtv, Startimes.

  • Internet: Smile, Spectranet, Swift.

  • Education: WAEC, JAMB.

Steps:

  1. Dial *909#.

  2. Select Bills Payment.

  3. Choose category.

  4. Enter customer ID or meter number.

  5. Confirm → Enter PIN.

Payment receipts are delivered via SMS.

Opening a New Account via USSD

  1. Dial *909*0#.

  2. Enter required details (name, DOB, etc.).

  3. Your new 10-digit account number appears instantly.

  4. Deposit money to activate or visit a branch later for full KYC.

This is ideal for Nigerians without bank branches nearby.

Blocking Your Account or Card in an Emergency

  • Dial *909*911#.

  • Choose Block Account or Block Card.

  • Confirm with your PIN.

  • You’ll get an instant confirmation SMS.

This prevents unauthorized access after theft, SIM swap, or loss.

Security Tips

  • Never share your PIN or OTP.

  • Avoid using obvious PINs (birthdays, 0000).

  • Change PIN regularly.

  • End sessions properly after use.

  • Immediately block your account if suspicious activity occurs.

Stanbic IBTC uses CBN-approved encryption for all USSD sessions.

Troubleshooting Common Errors

Problem Likely Cause Solution
Invalid MMI Code Wrong SIM Use registered line.
Session Timeout Delay or poor signal Retry quickly or later.
Transfer Failed Network interruption Wait 5 min; retry.
Airtime Not Delivered Telco delay Check SMS or wait 15 min.
PIN Blocked Wrong entries Reset via USSD or branch.
Bill Error Incorrect ID entered Verify and retry.

FAQs

Q1: What’s Stanbic IBTC’s main USSD code? → *909#
Q2: Does it work offline? → Yes.
Q3: How do I check my balance? → *909*1*1#.
Q4: Can I transfer to other banks? → Yes, *909*22*Amount*AccountNumber#.
Q5: What are charges? → ₦6.98 session fee + bank charges.
Q6: Daily transfer limit? → ₦500 000 basic tier.
Q7: Can I open an account? → *909*0#.
Q8: How do I block my account? → *909*911#.
Q9: Can I buy data? → Yes, all networks.
Q10: What if I forget my PIN? → Reset via USSD menu or branch.
Q11: Can I pay TV bills? → Yes, via Bills menu.
Q12: Is it safe? → Yes, CBN-regulated.
Q13: Will it work abroad? → Only if roaming is active.
Q14: Can I use dual SIM? → Yes, select linked SIM.
Q15: What if money is deducted but not received? → Auto reversal within 24 hours.

Use Cases

  • Farmers in Kaduna receive cooperative payments instantly via *909#.

  • Teachers in Ibadan pay school bills without internet.

  • Students buy data from allowances while traveling.

  • Retailers transfer funds to suppliers within seconds.

These daily examples show how *909# empowers people to transact securely.

Why USSD Banking Matters for Financial Inclusion

Over 30 million Nigerians lack smartphones or stable internet.
USSD services like Stanbic IBTC’s *909# help them:

  • Access basic banking securely.

  • Receive wages electronically.

  • Save and pay bills without cash.

This directly supports Nigeria’s cashless and inclusive economy goals.

Conclusion

Stanbic IBTC’s *909# USSD service combines speed, convenience, and safety for Nigerians everywhere.
It allows full banking — from transfers to bill payments — without data or smartphones.

By extending secure access to millions, it supports Nigeria’s move toward inclusive, technology-driven financial services.

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