Wema Bank’s USSD code services have revolutionized the way customers engage with their bank, providing a seamless and efficient method for conducting a range of banking activities directly from their mobile phones.
This innovative service aligns with Wema Bank’s commitment to leveraging technology to enhance customer experience and make banking more accessible to everyone, regardless of location or device type.
The USSD code, often referred to as a “quick code,” allows users to perform essential banking operations without needing an internet connection, making it accessible for those in areas with limited or no internet access.
With a simple dial sequence, users can check account balances, transfer funds, pay bills, and purchase airtime. This convenience translates into a significant shift from traditional banking practices, as customers no longer need to visit branches or ATMs for everyday transactions.
Moreover, the service caters to all types of mobile phones, including basic feature phones, thus expanding its accessibility to a broader audience.
The introduction of the USSD code by Wema Bank has empowered customers by giving them control over their banking needs at any time and from any location. It reflects the bank’s continuous efforts to innovate and adapt to the evolving demands of the banking sector, thus ensuring that clients receive prompt and reliable services
Read: How to register for Unity Bank Ussd Code and carry out transaction
How To Register For Wema Bank Ussd Banking
To get started with Wema Bank USSD banking, you first need to register by using your mobile device, which must be linked to your Wema Bank account.
Ensure the phone number you intend to use is active and associated with your Wema Bank account as well. Begin by dialing the USSD code *945# on your mobile phone. This will initiate the registration process, which is simple and user-friendly.
2. Follow the On-Screen Prompts
- Select the option to register or activate USSD banking.
- You may be asked to:
- Enter your account number
- Create a 4-digit PIN for secure transactions
- Confirm your personal details
3. Complete Registration
- Once successful, you’ll receive a confirmation message.
- You can now start using USSD banking for transfers, airtime purchase, bill payments, and more
Requirements
- A Wema Bank account
- A mobile phone number linked to your account
- A mobile device (smartphone or basic phone—no internet required)
Read: How to register for United bank of Africa ussd code for transaction
Benefits, eligibility requirements of wema bank ussd
Here’s a complete overview of the benefits and eligibility requirements for using Wema Bank USSD Banking via *945#:
Benefits of Wema Bank USSD Banking
| Benefit | Description |
|---|---|
| No Internet Required | Works on any mobile phone—smart or basic—without data or Wi-Fi. |
| 24/7 Access | Perform banking transactions anytime, anywhere—even outside banking hours. |
| Speed & Convenience | Quick access to services like transfers, airtime, loans, and bill payments. |
| Security | Protected by a 4-digit PIN and secure authentication. |
| Wide Functionality | Supports account management, cardless withdrawals, BVN checks, and more. |
| Loan Access | Apply for quick loans directly via USSD (94565#). |
| Emergency Controls | Block your account instantly if your phone is stolen (945911#). |
You can even open a new account, check exam results (WAEC/JAMB), pay electricity bills, and subscribe to cable TV—all from your phone.
Eligibility Requirements
To use Wema Bank USSD Banking, you must:
- Have a Wema Bank account (savings)
- Own a mobile phone number linked to your account (used for receiving alerts)
- Use a GSM network supported in Nigeria (MTN, Glo, Airtel, 9mobile)
- Be able to create and remember a 4-digit PIN for secure access
If your mobile number isn’t linked to your account, you’ll need to visit a Wema Bank branch to update your details before activating USSD banking.
How to transfer money from wema bank via ussd
To transfer money from your Wema Bank account via USSD, you can use the *945# code directly from your mobile phone. Here’s how:
How to Transfer Money Using Wema Bank USSD
Transfer to Another Wema Account
Dial *945*AccountNumber*Amount#
Example: *945*1234567890*5000# — to send ₦5,000 to another Wema Bank account.
Transfer to Other Banks
Dial *945*RecipientAccountNumber*Amount#
Example: *945*9876543210*10000# — to send ₦10,000 to a different bank account.
Read: How to register for Union bank ussd code and carry out transaction
How to buy airtime from wema bank via ussd
Here’s how you can buy airtime from your Wema Bank account via USSD using the *945# code:
For Yourself (Self-Recharge)
Dial *945*Amount#
Example: *945*500# — to recharge ₦500 on the phone number linked to your Wema Bank account.
For Others (Friends & Family)
Dial *945*RecipientPhoneNumber*Amount#
Example: *945*08012345678*1000# — to send ₦1,000 airtime to someone else
wema bank cardless withdrawal
You can make a cardless withdrawal from Wema Bank using either the 945# USSD code or the ALAT mobile app. This feature is called Cash on the Go, and it’s designed for secure, convenient access to cash without needing your ATM card.
Method 1: Using USSD (*945#)
- Dial
*945#from your registered phone number. - Select option 8 – Cash on the Go.
- Follow the prompts to:
- Enter the amount you want to withdraw
- Authenticate with your USSD PIN
- You’ll receive a Paycode via SMS.
- Visit any Wema Bank ATM or cardless-enabled ATM.
- Press ‘0’ or select Cardless Withdrawal.
- Enter your Paycode and PIN to withdraw your cash
Method 2: Using the ALAT Mobile App
- Log in to your ALAT app.
- Tap “Send Money” and select “ATM Cardless Transfer”.
- Fill in the required details (amount, recipient info).
- Authenticate with your ALAT PIN.
- You’ll receive a Paycode via email or SMS.
- Go to a Wema ATM or cardless-enabled ATM and complete the withdrawal.
- Daily limit: ₦20,000
- Transaction fee: ₦100
- Works only with phone numbers linked to your Wema Bank account
How to check unity bank account balance
To check your Unity Bank account balance via USSD, follow these simple steps:
- Dial
*7799*0#on your mobile phone. - Make sure you’re using the phone number linked to your Unity Bank account.
- Enter your 4-digit USSD PIN when prompted.
- Your account balance will be displayed on your screen and/or sent via SMS.
- Note: A small fee of ₦10.05 may be charged for this service
How to reset or change wema bank PIN
You can reset or change your Wema Bank USSD PIN using either your phone or by contacting the bank directly. Here’s how:
Method 1: Using USSD Code
- Dial
*945#on your registered phone. - Select option 2 – Change/Reset PIN.
- Enter your current PIN.
- Input your new 4-digit PIN.
- Confirm the new PIN.
- Your PIN will be updated immediately, and you can start using it for transactions.
Method 2: Customer Support or Branch Visit
If you’ve forgotten your PIN or can’t access the USSD menu:
- Call Wema Bank support at 070CALLALAT (07022552528).
- Or visit the nearest Wema Bank branch and request a PIN reset.
Read: How to register for Sterling bank ussd code and transaction
How to block wema bank account/card
Method 1: USSD Code (Emergency Block)
- Dial
*945*911#from any phone. - Enter the phone number linked to your Wema Bank account.
- Input your 4-digit USSD PIN.
- Confirm the block.
This will immediately disable USSD access to your account, preventing unauthorized transactions.
Method 2: ALAT Mobile App
- Open the ALAT app.
- Go to Card Control.
- Select the card you want to block.
- Tap the “Turn Off” or “Block” option.
- Confirm the action.
This instantly disables your card from being used for any transactions.
Method 3: Call Customer Support
- Call +234-803-900-3700 or +234-01-277-7700-9.
- Follow the menu to speak with a representative.
- Provide your full name, account/card number, and date of birth for verification.
- Request to block your account or card.
Method 4: Visit a Branch
- Go to the nearest Wema Bank branch.
- Request a card hotlist or account block.
- You can also apply for a replacement card immediately.