Ecobank transfer code to other banks: list of USSD codes

Ecobank transfer code to other banks: list of USSD codes

The modern-day banking industry has made it extremely easy for customers to carry out transactions without going to the bank. Ecobank Nigeria has not been left behind when it comes to innovative solutions. One such solution is the Ecobank transfer code. Customers can pay bills, buy airtime, and transfer funds from their Ecobank account with the code.

Code to transfer money from Ecobank
Photo: (modified by author)
Source: UGC

The transfer code is particularly beneficial to people living in areas without internet access. It allows you to quickly and securely transfer funds from your Ecobank account to another Ecobank account or any other bank account in Nigeria.

What is the Ecobank transfer code?

The Ecobank short code is *326#. This USSD (Unstructured Supplementary Service Data) code gives customers numerous options related to using or transferring funds from their Ecobank account.

Upon dialling the code, one is directed to Ecobank's transaction platform, making it easy to access most of the bank's services without the need for physical presence at the banking hall.

Read also

Access, FCMB and 10 Other USSDs to Block Account if Phone, ATM Card Is Stolen, Misplaced

List of Ecobank mobile transfer codes

You can use the Ecobank code to carry out various transactions as indicated in the table.

Transaction typeUSSD code
Check balance*326*0#
Airtime top-up for others*326*Amount*PhoneNumber#
Airtime top-up for self*326*Amount#
Pay bills*326#
Transfer to Ecobank account*326#
Transfer to other banks*326#
To open an Xpress save account*326#
For Xpress loan*326#
To reset PIN*326#

What do I require to get a transfer code for Ecobank?

You will need a few things to register for the Ecobank mobile transfer code.

  • A mobile device for registration. (It does not need to be a smartphone; a feature phone will do just fine).
  • An account with Ecobank
  • A registered phone number with Ecobank linked to the account
  • An Ecobank debit card

How to sign up for the transfer code by yourself

How to transfer money from Ecobank to another bank
How to transfer money from Ecobank to another bank. Photo: @Andrea Piacquadio
Source: UGC

Once you have all the requirements ready, here are the steps to get the transfer code.

Read also

How to check access bank account balance from your mobile phone

  1. On your mobile phone, dial *326#.
  2. Ensure you use the number registered and linked to your bank account.
  3. An on-screen prompt will ask you to select the debit card linked to your bank account.
  4. Enter the required details and hit proceed.
  5. You will be asked to verify your account ownership by entering some details.
  6. Enter the necessary details and hit the submit button.
  7. You will be asked to create a secret PIN (personal identification number) that you will use to authorize transactions.
  8. Create a PIN you can remember easily.
  9. Click on the submit button and wait for a confirmation message from Ecobank.
  10. Once you receive an SMS saying your registration was successful, you are good to go.

How to sign up for the transfer code at an Ecobank branch

There are several reasons one might want to register for the Ecobank USSD code at a physical branch. One of the most common scenarios is when a customer does not have a number linked to their bank account. Without a linked number, you cannot register for the USSD service on your own.

Read also

Union Bank transfer code: how to send money to someone with USSD

In such a case, visit the nearest physical branch and carry your identification card with you. A customer care representative at the bank will link your number to your account and register you on the USSD platform.

How long will it take to sign up for the shortcode for Ecobank?

Typically, the whole process should take less than 20 minutes if you have all the requirements. However, this duration might be longer if you decide to get the registration done at a physical branch. This is primarily due to the queues synonymous with banking halls.

If you do not have a linked number or debit card, the process will take longer since the customer care representative will have to ensure you meet all the Ecobank USSD code activation requirements.

What if I am unable to sign up for the USSD code for Ecobank?

If you encounter difficulties during the sign-up process, you can visit an Ecobank branch near you for assistance. Alternatively, you can call the bank's customer care centre at +234 1 277 2904 or reach them via email at

Read also

Useful Heritage Bank codes: from money transfers to balance check

How to activate your Ecobank transfer code

You have successfully signed up on the bank's USSD platform. Do you need to activate the service? No, you do not need to get stuck on how to activate Ecobank transfer code. Once the registration is successful, there are no additional activation procedures. The transfer code is ready to use.

How to transfer money from Ecobank to another bank

Ecobank transfer code to other banks enables you to easily carry out your bank transactions. It is a secure and efficient way of moving funds quickly and cost-effectively. Here is a look at the steps needed to transfer money from your account to another person's bank account using the USSD code.

  1. Dial the shortcode *326# on your mobile device.
  2. A list of options will appear; select 'transfer funds.'
  3. Select the recipient's bank from the list of banks.
  4. Input the recipient's bank account number.
  5. The on-screen prompt will display the recipient's name. Confirm the name and proceed.
  6. If the name is incorrect, cancel the transaction and start all over.
  7. Press next and input the transaction password.
  8. Input the PIN you created when signing up and click send.
  9. Your transfer is done!

Read also

Easy ways of how to check GTB account number via SMS or online

How to get your Ecobank mobile transfer PIN

How to activate Ecobank transfer code.
How to activate Ecobank transfer code. Photo:, @Darlene Alderson
Source: UGC

In cases where you forget your mobile transfer pin, you can follow the steps below to retrieve it.

  1. On your mobile phone, enter the Ecobank USSD code *326#.
  2. Choose option 1, "My Account".
  3. Then, option 4, "Pin reset with OTP".
  4. A one-time password (OTP) will be sent to your mobile number via SMS.
  5. Enter the OTP and select a new four-digit pin, preferably numbers you can easily remember.
  6. Confirm your pin and press the send button.
  7. If your pin reset is successful, you should receive an SMS notification.

Why should I get the transfer code?

As with other banks, there are several ways you can transfer funds from your account to other banks. Why, then, would one opt for the transfer code over all other options? The USSD transfer code has several advantages.

  • It is straightforward to use.
  • You can use the service in areas without internet connectivity.
  • It is extremely fast and reportedly very secure.
  • The transfer code is versatile and can be used for other services such as bill payment and airtime purchases.
  • It works on all types of mobile devices, feature phones included.
  • It is usable across all networks. These include Airtel, Etisalat, Glo, and MTN.
  • The USSD service is available at any given time of day or night.

Read also

Eyowo: Discover how to register and use the payment service

The USSD Ecobank transfer code provides customers with an effortless way to carry out financial transactions, even in areas without banking halls or internet connectivity. One can transfer funds, purchase airtime and even pay bills using the simplest mobile phones.

READ ALSO: How to send and receive money through PayPal in Nigeria: is it available? recently published an article about receiving money via PayPal in Nigeria. PayPal is, without a doubt, one of the leading money transfer platforms in the modern-day world. The company provides a convenient and secure payment platform for individuals and companies.

Can you be paid via PayPal in Nigeria, and if so, what do you require? The platform's wide coverage means people in numerous countries can access it. Still, the service remains inaccessible in a few countries for various reasons.


Jackline Wangare avatar

Jackline Wangare (Lifestyle writer) Jackline Simwa is a content writer at, where she has worked since mid-2021. She tackles diverse topics, including finance, entertainment, sports, and lifestyle. Previously, she worked at The Campanile by Kenyatta University. She has more than five years in writing. Jackline graduated with a Bachelor’s degree in Economics (2019) and a Diploma in Marketing (2015) from Kenyatta University. In 2023, Jackline finished the AFP course on Digital Investigation Techniques and Google News Initiative course in 2024. Email: