How to register and activate Wema Bank USSD

Wema Bank offers customers the convenient option of registering for their USSD service, which allows for easy access to banking services using just a mobile phone.

This bring the future of banking to your palm with its USSD service. From checking your balance to transferring funds, all it takes is a few taps on your phone.

To start the registration process, customers need to dial *945# on their registered mobile number linked to their bank account. This will bring up a series of options for the customer to choose from, including registration for the USSD service.

The service is seamless, fast and secure it does  not require internet service. This article will equip you with the knowledge  to make the most of Wema Bank’s USSD service such as registration processes, key features, benefits and many more


  •  Check your account balance anytime, anywhere.
  •  Transfer money to other Wema Bank accounts or accounts in other banks.
  •  Buy airtime for yourself or others.
  •  Pay your bills, such as electricity, water, and cable TV.
  •  Withdraw cash from an ATM without your debit card.
  • Change your PIN for security purposes.
  •  View your transaction history.


  •  You can perform banking transactions anytime, anywhere, using your mobile phone.
  • You don’t need an internet connection to use Wema Bank USS
  • Wema Bank USSD is secure and your transactions are protected.
  •  Wema Bank USSD is easy to use and does not require any special skills.

Overall, Wema Bank USSD is a convenient, accessible, secure, and easy-to-use mobile banking service that can help you manage your finances on the go.

Please note that you will need to have a Wema Bank account and register for the USSD service to use it.

What is the Wema Bank ussd

Wema Bank’s USSD code is *945#. It’s a mobile banking service that allows you to perform various transactions directly from your phone without needing an internet connection.

The bank  USSD, also known as the Unstructured Supplementary Service Data, is a quick and convenient way for Bank customers to perform banking transactions using their mobile phones.

With this service, customers can access various banking services from Wema Bank such as checking account balance, transferring funds, paying bills, airtime top-up, and more. This service is available to all Wema Bank customers regardless of their mobile network provider.

What service is avalaible on wema bank ussd

Wema Bank’s USSD service, *945#, offers a wide array of services, making banking convenient and accessible from your mobile phone:

Account Management:

  • Check Account Balance
  • View Mini Statement
  • Open an Account
  • Reactivate a Dormant Account
  • Change/Reset PIN
  • Update BVN

Airtime, Data & Transfers:

  • Buy Airtime for Self/Others
  • Buy Data for Self/Others
  • Transfer Money (Wema to Wema, Wema to Other Banks, Wema to Alat)

Quick Loan (ALAT):

  • Request and manage Quick Loans through ALAT by Wema

Bill Payments:

  • Cable TV (DSTV, GOTV, Startimes)
  • Electricity Bills (Prepaid & Postpaid)
  • Internet Service Providers

Requirements for Activating Wema Bank USSD Code

To activate Wema Bank USSD code (*945#), you need:

  1. An Active Wema Bank Account:

    • You must have an existing Wema Bank account If you don’t have one, you can open an account using the USSD code itself by dialing *945# and following the prompts.
  2. Registered Phone Number:

    • The mobile phone number you intend to use for USSD banking must be registered with your Wema Bank account. This is typically the number you provided during account opening or updated later.
  3. Debit Card (optional):

    • While not strictly required, having your Wema Bank debit card handy can make the activation process smoother. You might need to provide card details like the last four digits or your ATM PIN during registration

How to buy airtime from Wema Bank using USSD

To buy airtime from Wema Bank using USSD, follow these steps:

  1. *Dial 945# on your mobile phone.
  2. Select “Airtime” from the menu options.
  3. Choose “Self” if you’re buying airtime for your own line or “Others” if you’re buying for someone else.
  4. Enter the correct phone number you want to recharge.
  5. Choose the network of the phone number you entered (MTN, Airtel, Glo, 9mobile).
  6.  Input the amount of airtime you want to purchase.
  7. Double-check the phone number, network provider, and amount to ensure accuracy.
  8. Enter your 4-digit Wema Bank USSD PIN to authorize the purchase.


How to transfer money from wema bank using ussd

To transfer money from Wema Bank using USSD, follow these steps:

  1. *Dial 945# on your mobile phone linked to your account
  2. Select “Send Money” from the menu options.
  3. Select Wema Bank if transferring to another Wema account, or choose the appropriate bank if transferring to a different bank.
  4. Enter the recipient’s account number
  5. Enter the amount to transfer
  6. Double-check the recipient’s account number, bank, and the transfer amount to ensure accuracy.
  7. Enter your 4-digit Wema Bank USSD PIN to authorize the transaction.

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How to Register for the Wema Bank ussd

To register for their Wema Bank  USSD banking service (*945#):

  • *Dial *945# from your mobile phone linked to your Wema Bank account.
  • Choose option 5 for “Activation and PIN setup”.
  • From the Prompt enter your Wema Bank account number 
  • Create a secure 4-digit PIN.
  • Re-confirmed the PIN again

Once registered, you’ll receive a confirmation message, and you can start using the *945# service to perform various banking transactions like checking your balance, transferring funds, paying bills, and more.


How do I change wema bank USSD PIN

You can easily change your Wema Bank USSD PIN by following these steps:

  1. Dial *945*00# from your registered mobile number.
  2. Enter your Current USSD PIN.
  3. Enter New PIN.
  4. Confirm New PIN.

Wema Bank Loan USSD Code

The Wema Bank USSD code for loans is *945*65#.

By dialing this code, you can access information about the bank’s loan products and initiate the loan application process

How to Block Wema Bank USSD

To block Wema Bank USSD, you have a few options:

  1. Emergency Code:

    • Dial *945*911# from your registered mobile number.
    • Enter your PIN
    • This will deactivate your USSD profile, effectively blocking access to the service.

List of Wema Bank USSD Codes

Wema Bank offers a wide range of services through its *945# USSD code. Here’s a list of the main categories and some important codes:

Account Management:

  • Check Account Balance:* 945*0#
  • Change PIN: *945*00#
  • Open Account: *945*1#
  • Change Account Number: *945*2*Old Account Number*New Account Number#
  • Reactivate Account: *945*5#

Airtime, Data, and Transfers:

  • Airtime (Self): *945*Amount#
  • Airtime (Others): 945Phone Number*Amount#
  • Data Purchase: *945*9#
  • Transfer to Wema Bank: *945*Account Number*Amount#
  • Transfer to Other Banks: *945*Account Number*Amount#
  • Send Money to Phone: 9*45*6*Amount#

Quick Loan:

  • *945*65#

Cable TV:

  • Cable TV Menu: *945*10#
  • DSTV: 94511# and *945*11*Smartcard Number#
  • GOTV: *945*12# and *945*12*Smartcard Number#

Internet Service:

  • Internet Service Menu:* 945*15#
  • Smile: *945*16# and *945*16*Smartcard Number*Amount#
  • Spectranet: *945*17# and *945*17*Smartcard Number*Amount#

Electricity Bills:

  • Electricity Bill: *945*24#
  • Eko: *945*25*Meter Number*Amount#
  • Ikeja Electric: *945*26*Meter Number*Amount#

Schools and Exams:

  • WAEC Result Checking: *945*70#
  • JAMB Result Checking:*945*71#

State Collections:

  • Lagos State Collection: *945*40#

Cardless Transactions:

  • Mcash: *945*57# and *945*57*Merchant Code*Amount#
  • Coralpay: 94558# and 945000*Reference Number#

Wema Bank customer care numbers

Wema Bank offers multiple channels for you to reach their customer care:

Phone numbers:

  • Help Desk: +234-803-900-3700 or +234-01-277-7700-9
  • Purple Connect: 07000PURPLE (07000787753)


  • Purple 


  • Chat with us: 09044411010

Physical address: 54 Marina, Lagos Island, Lagos State, Nigeria

Why is your Wema Bank transfer code not working?

There could be several reasons why your Wema Bank transfer code isn’t working:

  1. Incorrect PIN: Double-check that you’re entering the correct PIN for your USSD transactions. If you’ve forgotten your PIN, you can reset it by following the prompts on the *945# menu.

  2. Insufficient Balance: Ensure that you have enough funds in your account to cover the transfer amount and any associated fees.

  3. Network Issues: A poor network connection can sometimes interfere with USSD transactions. Try moving to an area with better reception or restarting your phone.

  4. Service Outage: Occasionally, there might be a temporary service outage on Wema Bank’s end. You can check their social media pages or website for updates.

  5. Incorrect Recipient Details: Make sure you’re entering the correct account number and bank of the recipient.

  6. Account Restrictions: In some cases, your account might have restrictions that prevent certain types of transactions. Contact Wema Bank customer service for clarification.

  7. System Update: If Wema Bank is performing a system update or maintenance, the USSD service might be temporarily unavailable.

Troubleshooting Steps:

  • Verify your PIN and account balance.
  • Check your network connection.
  • Try the transaction again later.
  • Contact Wema Bank customer service if the problem persists.




Q: How do I check my Wema Bank account balance using USSD?

A: Dial *945*0# from your registered mobile phone.

Q: Can I transfer money to other banks using Wema Bank USSD?

A: Yes, you can. Dial *945*AccountNumber*Amount# (replace Account Number with the recipient’s account number and Amount with the amount you want to transfer).

Q: How do I buy airtime for myself or someone else using Wema Bank USSD?


  • For self: Dial *945*Amount#
  • For others: Dial *945*PhoneNumber*Amount#


Q: Can I pay my bills using Wema Bank USSD?

A: Yes, you can pay various bills like Cable TV, electricity, and internet service bills. Dial *945# and follow the prompts to select the bill payment option.

Q: How do I access Wema Bank’s quick loan service using USSD?

A: Dial *945*65# to access information and apply for Wema Bank’s quick loan products.

Q: Can I change my Wema Bank USSD PIN?

A: Yes, dial *945*00# to change your PIN.

Q: What should I do if I forgot my Wema Bank USSD PIN?

A: You can reset your PIN by calling Wema Bank customer care at 070022552528 or visiting a branch.

Q: How to Unblock Wema Bank USSD Code 

To unblock your Wema Bank USSD code, you have two options:

  1. Contact Wema Bank Customer Service:

The most straightforward way to unblock your USSD code is to contact Wema Bank’s customer service directly. You can reach them through the following channels:

  • Phone: Call their helpline at +234-803-900-3700 or +234-700-945-945
  • If you prefer, you can visit any Wema Bank branch in person to request the unblocking of your USSD code. Remember to bring a valid means of identification with you.

Also see

How to register for Stanbic Ibtc ussd and transfer

Polaris bank ussd: How to register and transfer money

Keystone Bank’s USSD: How to register and transfer money

How to register and activate First City Monument Bank (FCMB) ussd

How to Register for Ecobank USSD Code and transfer money

Meet Ogbeide Frank, popularly known as perere, a blogger who loves writing about finance and Tech. He studied Business administration at the Ambrose Alli University Ekpoma and Mobile Communication at Orange College Malaysia .Frank have worked as a banker and consultant in variety of Nigeria agencies


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Meet Ogbeide Frank, popularly known as perere, a blogger who loves writing about finance and Tech. He studied Business administration at the Ambrose Alli University Ekpoma and Mobile Communication at Orange College Malaysia . Frank have worked as a banker and consultant in variety of Nigeria agencies Contact ;
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