Ecobank Nigeria USSD Codes for Transfers, Airtime, Bills & Account Management

Last verified: October 2025
Disclaimer: nigeriaussdcodes.com is an independent informational site. We are not affiliated with Ecobank Nigeria Plc. Codes and procedures here are verified from Ecobank and regulatory sources but may change at any time.

Ecobank Nigeria is one of Africa’s leading multinational banks with operations across 33 countries. Known for its Pan-African banking approach, it connects millions of customers under one financial network.

To serve Nigerians without reliable internet access, Ecobank introduced USSD banking via *326#, commonly called “Ecobank Mobile Money.”

This service allows customers to:

• Check balances and view mini-statements.

• Transfer money to any bank in Nigeria.

• Buy airtime and mobile data.

• Pay utility, TV, and internet bills.

• Open accounts instantly.

• Apply for Ecobank Xpress loans.

• Block accounts if a phone or SIM is lost.

It works seamlessly on all GSM networks (MTN, Airtel, Glo, 9mobile), even on basic phones, without internet access.

Key Takeaways

• Main USSD code: *326# (Ecobank Mobile Banking).
• Check balance: *326*0#.
• Transfer to Ecobank: *326*1*Amount*AccountNumber#.
• Transfer to other banks: *326*2*Amount*AccountNumber#.
• Airtime (self): *326*Amount#.
• Airtime (others): *326*Amount*PhoneNumber#.
• Buy data: *326# → Data → Choose network.
• Pay bills: *326# → Bills → Select provider.
• Open account: *326*1#.
• Block account: *326*911#.

Ecobank Nigeria USSD Code Table

How to Register for Ecobank USSD (*326#)

1. Dial *326# using your registered Ecobank line.

2. Select “Register.”

3. Enter your 10-digit Ecobank account number.

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

5. Create a secure 4-digit PIN.

6. Confirm the PIN.

You’re now ready to bank without internet.

Note: The code will only work on the SIM registered to your account.

Checking Your Balance

• Dial *326*0#.

• Enter your PIN.

• Your available balance is displayed instantly.

Real-life examples:

• A shop owner checks balance after a POS sale.

• A teacher verifies if salary has landed.

• A student confirms a transfer from home before making purchases.

If the balance fails to load, wait a few minutes and retry — it’s often a temporary network delay.

How to Transfer Money via *326#

To Ecobank Accounts

• Dial *326*1*Amount*AccountNumber#.

• Example: *326*1*2500*1234567890#.

• Confirm name → Enter PIN → Success message appears.

To Other Banks

• Dial *326*2*Amount*AccountNumber#.

• Choose receiving bank from the list.

• Confirm → Enter PIN → Transaction complete.

Transfer limits: ₦100,000 per transaction, ₦500,000 per day (can be increased after verification).

Transfers usually reflect within seconds. If delayed, Ecobank automatically reverses within 24 hours.

Buying Airtime and Data

Airtime (Self)

*326*Amount# → e.g., *326*500#.

Airtime (Others)

*326*Amount*PhoneNumber# → e.g., *326*200*08031234567#.

Buy Data

1. Dial *326#.

2. Select Data.

3. Choose your network provider.

4. Pick bundle → Confirm with PIN.

Examples:

• Parents send airtime to their children remotely.

• Students top up during exams.

• Traders recharge while at work — no need for physical cards.

Paying Bills and Subscriptions

Ecobank USSD supports:

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

• TV: DSTV, GOtv, Startimes.

• Internet: Smile, Spectranet, Swift.

• Education: WAEC, JAMB.

Steps:

1. Dial *326#.

2. Choose Bills Payment.

3. Select provider.

4. Enter customer ID or meter number.

5. Confirm amount → Enter PIN.

A transaction receipt SMS confirms successful payment.

Opening a New Account

To open an account without visiting a branch:

1. Dial *326*1#.

2. Input your name, DOB, and address.

3. Receive your new Ecobank account number instantly.

4. Deposit to activate or complete KYC later at a branch.

This feature supports financial inclusion by allowing unbanked Nigerians to create accounts instantly.

Blocking Your Account in an Emergency

If your phone or SIM is lost:

1. Dial *326*911#.

2. Choose Block Account.

3. Confirm your PIN.

4. You’ll receive an SMS that your account is frozen.

This protects your funds from unauthorized access.

Cardless Withdrawals

Ecobank customers can withdraw without an ATM card:

1. Dial *326#.

2. Select Cardless Withdrawal.

3. Enter withdrawal amount.

4. Receive a one-time code.

5. Use code at any Ecobank ATM.

This feature is especially useful during emergencies.

Security Practices

• Always keep your PIN private.

• Never share USSD confirmation messages.

• Change your PIN often.

• Avoid public phones when transacting.

• Block immediately if suspicious activity occurs.

All USSD sessions are encrypted and approved by the Central Bank of Nigeria.

Troubleshooting Common Errors

FAQs

Q1: What’s Ecobank’s USSD code? → *326#
Q2: Does it need internet? → No.
Q3: How do I check balance? → *326*0#.
Q4: Can I transfer to other banks? → Yes, *326*2*Amount*AccountNumber#.
Q5: What are transfer limits? → ₦100,000 per transaction; ₦500,000 daily.
Q6: Can I buy data? → Yes.
Q7: Can I pay bills? → Yes, for PHCN, DSTV, etc.
Q8: How do I block account? → *326*911#.
Q9: Are there fees? → ₦6.98 per session + bank charges.
Q10: Can I use dual SIM? → Yes, select registered SIM.
Q11: What if I forget my PIN? → Reset via menu or branch.
Q12: Will it work abroad? → Yes, with roaming active.
Q13: How long for reversals? → Within 24 hours.
Q14: Can I open account? → Yes, *326*1#.
Q15: Is it safe? → Yes, fully secured.

Applications

• A mother in Aba sends school fees to her daughter at university instantly.

• A trader in Jos pays electricity bills via *326# while in the market.

• A young professional in Lagos checks his balance and buys data during a commute.

• A farmer in Sokoto receives cooperative payments through USSD.

This shows how *326# supports Nigerians regardless of device or income level.

How Ecobank’s USSD Boosts Financial Inclusion

Many Nigerians lack smartphones or constant connectivity.
Ecobank’s *326# empowers them to:

• Open and manage accounts easily.

• Conduct transactions securely.

• Reduce dependency on cash.

This aligns with Nigeria’s cashless policy and helps achieve digital inclusion goals.

Conclusion

Ecobank’s *326# USSD service is one of the most complete mobile banking tools in Nigeria today.
It brings fast, secure, and simple transactions to everyone — with or without internet.

By combining security, reach, and ease of use, *326# supports Nigeria’s financial growth and empowers everyday users.

Customer Support:

• Call Center: +234 700 500 0000

• Website: ecobank.com/ng

• NCC General Helpline: *300#