In Nigeria, loading airtime has become incredibly convenient thanks to USSD codes. It’s a simple, fast and reliable way to recharge your mobile line without internet access. Whether you’re using MTN, GLO, Airtel or 9mobile, USSD codes allow you to buy airtime directly from your bank account or via your network provider. This article breaks down how to use USSD codes to load airtime and highlights the specific codes for major Nigerian banks and telecom networks.
What Are USSD Codes?
USSD (Unstructured Supplementary Service Data) codes are short numeric sequences you dial on your phone to access services. They’re widely used for mobile banking, airtime recharge, data purchase and bill payments. The beauty of USSD is that it works on any mobile phone, smart or basic and doesn’t require internet connectivity.
Loading Airtime via Network Provider USSD Codes 
Each mobile network in Nigeria has its own USSD code for airtime recharge:
- MTN: Dial
*311*Recharge PIN# - GLO: Dial
*311*Recharge PIN# - Airtel: Dial
*311*Recharge PIN# - 9mobile: Dial
*311*Recharge PIN#
These codes are used when you have a physical recharge card. Simply scratch the card, enter the code and your airtime is credited instantly.
Loading Airtime via Bank USSD Codes
If you prefer to recharge directly from your bank account, Nigerian banks offer USSD codes that let you buy airtime for yourself or others. Here’s a breakdown by bank:
Access Bank
- Code:
*901*Amount#(e.g., 901500#) - For others:
*901*Amount*PhoneNumber#
First Bank
- Code:
*894*Amount#(e.g., 894200#) - For others:
*894*Amount*PhoneNumber#
GTBank
- Code:
*737*Amount#(e.g., 737500#) - For others:
*737*Amount*PhoneNumber#
UBA
- Code:
*919*Amount#(e.g., 9191000#) - For others:
*919*PhoneNumber*Amount#
Zenith Bank
- Code:
*966*Amount#(e.g., 966300#) - For others:
*966*Amount*PhoneNumber#
Fidelity Bank
- Code:
*770*Amount#(e.g., 770200#) - For others:
*770*PhoneNumber*Amount#
Union Bank
- Code:
*826*Amount#(e.g., 826100#) - For others:
*826*Amount*PhoneNumber#
Stanbic IBTC
- Code:
*909*Amount#(e.g., 909500#) - For others:
*909*Amount*PhoneNumber#
Polaris Bank
- Code:
*833*Amount#(e.g., 833300#) - For others:
*833*Amount*PhoneNumber#
Sterling Bank
- Code:
*822*Amount#(e.g., 8221000#) - For others:
*822*Amount*PhoneNumber#
Network Compatibility
These bank USSD codes work seamlessly with all major network providers, MTN, GLO, Airtel and 9mobile. Whether you’re topping up your own line or sending airtime to a friend, the process is quick and secure.
Tips for Using USSD Airtime Recharge
- Ensure your mobile number is linked to your bank account.
- Confirm you have sufficient funds before initiating a recharge.
- Use the correct format to avoid failed transactions.
- If a transaction fails but your account is debited, contact your bank immediately.
Conclusion
USSD codes have revolutionized airtime recharge in Nigeria, offering a fast and accessible solution for millions of users. Whether you’re using a recharge card or buying airtime from your bank account, USSD makes it easy to stay connected. With the codes listed above, you can load airtime anytime, anywhere, no internet required.
Also read: https://xxdata.net/how-much-banks-mtn-glo-and-airtel-charge-customers-on-ussd-transactions