Zenith Bank Nigeria USSD Codes for Transfers, Airtime, Bills & More

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Last verified: September 30, 2025
Disclaimer: nigeriaussdcodes.com is an independent help site. We are not Zenith Bank. Codes and services may change; we link to official sources where possible.

Why Zenith Bank USSD Codes Matter

Zenith Bank is one of Nigeria’s largest and most trusted financial institutions, with millions of customers across the country. Known for its corporate strength and focus on digital banking, Zenith has built a reputation for speed, efficiency, and innovation.

But in a country where internet access can be expensive or unreliable, USSD banking bridges the gap. The bank’s EazyBanking service (*966#) allows every customer, regardless of device type, to carry out financial transactions anytime, anywhere—without needing mobile data or Wi-Fi.

Here’s why Zenith’s *966# code is so important:

  • It works on all mobile networks (MTN, Airtel, Glo, 9mobile).

  • It’s available 24/7, even during internet outages.

  • It enables quick financial access for rural and urban customers alike.

  • It reduces the need to visit physical branches, saving time and costs.

For students, traders, workers, and families, this is often the fastest and most reliable way to check balances, move money, or recharge airtime.

Key takeaways
  • Main USSD code: *966# (Zenith EazyBanking).
  • Check Balance: *966*00#.
  • Transfer Money: *966*Amount*AccountNumber#.
  • Airtime (Self): *966*Amount#.
  • Airtime (Others): *966*Amount*RecipientNumber#.
  • Buy Data: *966# → Select Data.
  • Bills Payment: *966# → Select Bills.
  • Open Account: *966*0#.
  • Block Account: *966*20#.
  • Cardless Withdrawal: Available via Paycode option under *966#.
Zenith Bank Nigeria USSD Codes (2025)
Service USSD Code Details
Register/Activate *966# First-time setup with account or card details.
Check Balance *966*00# View account balance instantly.
Transfer Money *966*Amount*AccountNumber# To Zenith or other banks; confirm name before PIN.
Airtime (Self) *966*Amount# Recharge your own line instantly.
Airtime (Others) *966*Amount*RecipientNumber# Recharge friends, family, or staff.
Buy Data *966# → Data Select bundles from major networks.
Bill Payments *966# → Bills Pay TV, electricity, exam fees, more.
Open Account *966*0# Instant mobile account opening.
Block Account *966*20# Block account if SIM/card is stolen.

How to Register & Activate Zenith EazyBanking

  1. Dial *966#.

  2. Select “Register.”

  3. Enter your 10-digit Zenith account number.

  4. Enter the last 6 digits of your Zenith debit card.

  5. Create a 4-digit PIN.

  6. Confirm PIN.

Once set up, you can start using USSD banking immediately.

How to Check Balance

  • Dial *966*00#.

  • Enter your PIN.

  • Your balance is displayed and sent by SMS.

Examples of usage:

  • A market trader in Aba quickly checks sales earnings.

  • A student in Lagos confirms that their school fees deposit has cleared.

How to Transfer Money

To Zenith Accounts

  • Dial *966*Amount*AccountNumber#.

  • Example: *966*5000*1234567890#.

  • Confirm the recipient’s name.

  • Enter your PIN.

To Other Banks

  • Dial *966*Amount*AccountNumber#.

  • Choose the destination bank.

  • Enter PIN to confirm.

Daily limits: ₦100,000 per transaction, up to ₦500,000 daily (depends on account type).

Airtime & Data

Airtime for Self

  • Dial *966*Amount#.

  • Example: *966*1000#.

Airtime for Others

  • Dial *966*Amount*RecipientNumber#.

  • Example: *966*200*08031234567#.

Buy Data

  • Dial *966#.

  • Select “Data.”

  • Choose network → bundle → confirm with PIN.

Bill Payments

Bills payable via Zenith USSD include:

  • TV subscriptions: DSTV, GOtv, Startimes.

  • Electricity bills: PHCN, IKEDC, EKEDC, others.

  • Education: WAEC, JAMB, school fees.

  • Internet services.

Steps:

  1. Dial *966#.

  2. Select “Bills.”

  3. Choose biller.

  4. Enter customer ID.

  5. Confirm amount.

  6. Enter PIN.

Open a New Zenith Account

Even without an existing account, you can open one using USSD:

  • Dial *966*0#.

  • Enter your details (name, DOB, etc.).

  • A 10-digit Zenith account number is created instantly.

This helps unbanked Nigerians join the financial system easily.

Cardless Withdrawals

Zenith supports cardless transactions at ATMs:

  1. Dial *966#.

  2. Select “Paycode.”

  3. Enter amount.

  4. Receive a Paycode SMS.

  5. Visit a Zenith ATM.

  6. Select “Cardless Withdrawal.”

  7. Enter Paycode + PIN.

  8. Collect cash.

Blocking Your Account (Emergency)

Lost your phone or suspect fraud?

  • Dial *966*20#.

  • Select the account to block.

  • Confirmation SMS is sent.

Your funds remain safe until you reactivate at a branch.

Troubleshooting Common Zenith USSD Issues

  1. Invalid MMI Code – Confirm you’re using the linked SIM.

  2. Session Timeout – Respond quickly; menus expire in 20 seconds.

  3. Failed Transfer – Retry later; note transaction ID.

  4. Airtime Deducted but Not Credited – Check SMS. If unresolved, call Zenith support.

  5. PIN Forgotten – Reset via *966# or visit a branch.

  6. Loan Declined – Increase account activity and retry.

FAQs

Q1: What is Zenith Bank’s USSD code?
*966#.

Q2: Does it work without internet?
Yes, fully offline.

Q3: Can I transfer to other banks?
Yes, using *966*Amount*AccountNumber#.

Q4: How do I check my balance?
Dial *966*00#.

Q5: Can I block my account if my phone is stolen?
Yes, with *966*20#.

Q6: What is the transfer limit?
Up to ₦500,000 daily depending on account type.

Q7: Can I pay DSTV with Zenith USSD?
Yes, under the “Bills” menu.

Q8: Can I open an account without visiting a branch?
Yes, dial *966*0#.

Q9: What fees apply?
₦6.98 per session plus Zenith transaction charges.

Q10: Is it safe?
Yes, if you keep your PIN private.

Conclusion

Zenith Bank’s *966# service proves why the bank remains one of the most trusted in Nigeria. From transfers and airtime to bills and cardless withdrawals, USSD gives every customer control over their money without needing data.

In emergencies, the ability to block an account instantly is a lifesaver. For the unbanked, opening an account directly from a basic phone promotes financial inclusion.

Whether you’re a trader in Kano, a parent in Port Harcourt, or a student in Abuja, Zenith’s USSD banking ensures your money is always within reach.

For assistance, customers can contact:

  • Zenith Direct (24/7): 012787000 or 0700ZENITHBANK.

  • Website: <a href=”https://zenithbank.com” target=”_blank” rel=”noopener”>zenithbank.com</a>.

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