Introduction
Ecobank, a leading bank in Nigeria, offers customers the convenience of mobile banking through its USSD code service. This code allows users to perform transactions without internet access, making banking quick and accessible. This article can be used as a guide explaining how to use the Ecobank USSD code and highlight the key services it offers.
What is the Ecobank USSD Code?
The Ecobank USSD code, *326#, allows customers to access banking services via their mobile phones without needing an internet connection. By dialing this code, users can perform transactions such as balance checks, fund transfers, and airtime purchases.
How to Register for Ecobank USSD Banking
To use the Ecobank USSD code, you need to register using the phone number linked to your Ecobank account:
- Dial *326# on your phone.
- Set Up Your PIN: After dialing, follow the prompts to create a secure USSD PIN. This PIN will ensure that all your transactions are safe and protected.
- Start Banking: With registration complete, you’re ready to use the USSD service for a variety of banking tasks, such as checking your balance, transferring funds, paying bills, and more.
- Transaction Charges: Be aware that some telecom providers may charge for USSD transactions, potentially reaching up to NGN 100. Hence, it’s a good idea to check with your mobile network provider for any applicable fees in to avoid surprises.
Services Available via Ecobank USSD Code
Check Balance
To check your account balance, dial 3260#. Your balance will be shown on your screen, and you may receive a confirmation message.
Funds Transfer
To transfer money to another Ecobank account dial 9551amount10 digit account number# and for other banks 9552amount10 digit account number# and authorise the transaction with your USSD PIN.
Airtime Purchase
You can buy airtime for yourself by dialing *326*Amount#. To recharge another number, use *326*amount*Phone Number#.
Bill Payments
Pay bills such as electricity or TV subscriptions directly from your phone. Dial *326#, select 4 then 1.
check balance
To check your balance dial *326*0# This provides an instant overview of your account credits.
Table of Ecobank USSD Codes
| Function | USSD Code |
|---|---|
| Access USSD Menu | *326# |
| Check Account Balance | 3260# |
| Mini Statement | 3261# |
| Transfer to Ecobank Account | 9551amount10 digit account number# |
| Transfer to Other Banks | 9552amount10 digit account number# |
| Airtime Purchase (Self) | 326Amount# |
| Airtime Purchase (Others) | 326amount*Phone Number# |
| Bill Payments | *326# |
| Block Account | 326911# |
| Update BVN Details | 5650# |
Benefits of Using Ecobank USSD Code
- No Internet Needed: Perform banking activities without an internet connection or smartphone.
- Fast and Convenient: Transactions are processed instantly, anywhere, anytime.
- Available 24/7: Access banking services anytime, even on weekends and holidays.
- Works on All Phones: The USSD service is compatible with both feature phones and smartphones.
Common Issues and Solutions
While the USSD code is generally reliable, you may encounter occasional issues:
- USSD Code Not Working: Check your network signal and ensure that your phone number is correctly linked to your Ecobank account.
- Failed Transactions: Verify if you’ve exceeded the daily transaction limit or entered an incorrect PIN.
- PIN Problems: If you forget your PIN or lock your account after multiple incorrect entries, contact Ecobank to reset it.
Frequently Asked Questions
Can I link multiple accounts to the same USSD profile?
No, only one Ecobank account can be linked to each phone number. If you have multiple accounts, you’ll need separate phone numbers for each.
Can I use the Ecobank USSD code abroad?
Yes, as long as you have roaming services activated on your phone and network coverage in the area.
What is the daily transfer limit using USSD?
Transfer limits vary by country and account type. It is totally recommended to contact Ecobank for details specific to your account.
Is there a charge for using the USSD code?
While the USSD service itself is free, some network operators may charge a fee, and certain transactions may incur a small charge, such as fund transfers.
Conclusion
If you are a user of Ecobank, by dialling the relevant USSD codes you can complete everyday financial tasks conveniently and securely without an internet connection.
**Disclaimer**
This article is for informational purposes only and not intended as financial advice. The content is not sponsored by or affiliated with any entities mentioned. Readers should seek independent financial advice before making investment decisions.