How to register for Zenith bank mobile banking ussd code

As technology continues to advance, banking processes have become more convenient and accessible to customers. One such innovation is the Zenith Bank USSD Code, a simple and efficient way to conduct banking transactions using basic mobile phones

Zenith Bank USSD code is a convenient and efficient way for customers to access their bank accounts and perform various transactions using their mobile phones.The USSD code, *966#, allows users to check their account balance, transfer funds, pay bills, buy airtime, and perform other banking operations with just a few simple steps.

This service is available to all Zenith Bank customers, providing them with a quick and secure way to conduct their financial transactions anytime and anywhere.

In this article, we will explore the benefits of using the Zenith Bank USSD Code, how to register for the service, the various services available, security features to protect your transactions, tips for safe usage, customer support options, and ultimately, how this service enhances the overall banking experience for Zenith Bank customers.

Read: How to register for Zenith Bank Internet Banking and mobile app

Benefits of using the Zenith Bank USSD Code

One of the key benefits of using the Zenith Bank USSD code is its simplicity and ease of use. Customers do not need to visit a bank branch or ATM to perform basic banking activities, as they can simply dial the USSD code on their mobile phones and follow the prompts to complete their transactions.

This eliminates the need for physical banking and saves customers a lot of time and effort. With just a few taps on their phone screen, customers can manage their finances and access banking services on the go.

Here are the key benefits of using Zenith Bank’s USSD code for your banking needs:


  • Banking Without Internet: The USSD code works on any mobile phone (feature or smartphone), making banking possible even without internet access.
  • No App Required: You don’t need to downloador update any specific app to use the USSD code.
  • Quick and Easy: Transactions are typically completed in a few simple steps, saving you time.
  • 24/7 Availability: The USSD service is accessible around the clock, even outside of typical bank hours.


  • Remote Locations: It’s ideal in areas with poor or limited internet connectivity.
  • Simplicity for All: The USSD code offers a straightforward interface that’s easy to navigate, regardless of technical skill.

Wide Range of Services:

  • Essential Transactions: Perform basic transactions like checking your balance, recharging airtime, and transferring funds.
  • Bill Payments: Pay various bills conveniently from your phone.
  • Account Management: Handle tasks like opening a new account, retrieving your account number, or blocking your card.


  • Minimal Fees: USSD transactions typically incur very small fees compared to in-branch transactions or using certain online services.


  • PIN Protection: USSD transactions are protected by your PIN, similar to using an ATM.
  • Direct to Bank: Communications happen directly between your phone and Zenith Bank’s systems, minimizing the chances of third-party interception.

Important Considerations

  • While USSD is secure, always be extra cautious! Don’t share your PIN with anyone, and avoid using USSD banking on public Wi-Fi or shared devices.
  • For complex transactions or assistance, internet banking or a branch visit might still be necessary.

Read: How to register for UBA ussd code and transfer money

Requirements for Registration for ussd code

All you need to register for the Zenith Bank USSD code is your mobile phone, your Zenith Bank account number, and the associated ATM card. No need to fill out forms or wait in line – just a few basic details, and you’re good to go

How to register for Zenith bank USSD Code service

Here’s how to register for the Zenith Bank USSD code service:


  • Zenith Bank Account: You must be an existing Zenith Bank account holder.
  • Linked Mobile Number: Ensure the phone number you’ll use is the one linked to your Zenith Bank account.
  • ATM/Debit Card: Have your Zenith Bank ATM card handy.

Registration Process:

  1. *Dial *966#From the phone number linked to your account,

  2. 2.For first time service, you will be prompted to register by entering the last 4 digits of your Debit Card (MasterCard or Visa)
    3.Then Create 4 digit PIN.

  3. Confirmation: You should receive a confirmation message indicating successful registration.

Read: How to register and activate Gtbank world Mobile App

Services Available through Zenith Bank USSD Code

Here’s a breakdown of the primary services you can access through Zenith Bank’s USSD code:

Account Management

  • Check Balance: Dial *966*00#
  • Open Account: Dial *966*0#
  • Block Your Account: Dial *966*911#(in cases of emergencies)
  • Update BVN: Dial *966*BVN#
  • Retrieve Account Number: Dial *966*60#


  • Airtime Recharge (Self): Dial *966*Amount#
  • Airtime Recharge (Others): Dial *966A*mount*Mobile Number#
  • Transfer Funds (Zenith Accounts): Dial *966*Amount*Account Number#
  • Transfer Funds (Other Banks): *966*Amount*Account Number# (Follow the prompts)

Bill Payments

  • Variety of Billers: Pay for utilities, cable subscriptions, and various other services. Follow the prompts after dialing *966# to access bill payment options.

Other Services

  • Mini-statement: Dial *966*00#
  • ATM Card Control: Some versions of Zenith USSD banking might provide functionality to block or unblock your ATM card.
  •  Retrieve card PIN; Dial *966*60# and select option 4● Manage cardless withdrawal : To create and cancel a cardless withdrawal code, simply dial *966*60# and select the option 7.● Perform USSD on POS:To perform USSD on POS Transaction on zenith bank simply dial *966*000# and enter your POS Reference code.

    Tips for Using Zenith Bank USSD Code Safely

  • Here are some essential tips to keep your Zenith Bank USSD banking secure:

    PIN Protection

    • Unique PIN: Choose a strong USSD PIN that’s different from your ATM card PIN or other passwords.
    • No Sharing: Never share your PIN with anyone, not even bank representatives. Zenith will never ask for your PIN over the phone or in emails.
    • Memorize, Don’t Write: Memorize your PIN. Avoid writing it down, especially near your phone.

    Device Security

    • Your Phone Only: Perform USSD transactions exclusively on your personal phone. Avoid shared devices or public Wi-Fi networks.
    • Lock Screen: Keep your phone password-protected or use a secure lock method (biometrics, pattern, etc.).
    • Be Vigilant: Always double-check transaction details (like amount and recipient) before confirming with your PIN.

    General Awareness

    • Official Code: Only use the official Zenith Bank USSD code (*966#). Be wary of any other codes or prompts sent through SMS or shared on unsolicited websites.
    • Phishing Attacks: Ignore any messages or calls claiming to be Zenith Bank asking for your PIN or account details to “unlock” your account or for similar reasons. Banks will never request this information this way.

FAQs about Zenith Bank USSD Code


1. How secure is the Zenith Bank USSD Code for conducting transactions?


The Zenith Bank USSD Code is equipped with multiple security features, including authentication methods and encryption protocols, to ensure the safety of your transactions. It is essential to follow best practices for safe mobile banking to further protect your account.

2. Can I use the Zenith Bank USSD Code on any mobile phone?

Yes, the Zenith Bank USSD Code can be accessed on any type of mobile phone, whether it is a basic feature phone or a smartphone. As long as your mobile device is capable of sending and receiving text messages, you can use the USSD Code for banking transactions.

3. What should I do if I encounter issues or errors while using the Zenith Bank USSD Code?

If you experience any difficulties or errors while using the Zenith Bank USSD Code, you can contact the bank’s customer support for assistance. They will be able to guide you through troubleshooting steps and address any concerns you may have regarding the service.


PIN stands for Personal Identification Number. It is created at the point of registration and is used for authenticating transactions.


You can use the following cards to register for the Zenith Bank USSD code:

  • Zenith Bank Debit Cards: This includes:
    • MasterCard
    • Visa

Important Notes:

  • Active Card Required: The card must be active and linked to the Zenith Bank account you wish to use for USSD transactions.
  • Registration Requires Last 6 Digits: During registration, you’ll need to enter the last 6 digits of your debit card and its expiry date.

Why Debit Cards?

Zenith Bank uses your debit card details as a way to verify that you are the authorized account holder, providing a layer of security for the USSD service.

If You Don’t Have a Debit Card

If you don’t have any of the supported debit cards, you’ll need to visit a Zenith Bank branch to request one and complete the USSD code registration process


No, registration is done with your GSM phone as long as you have a Zenith Bank debit card.


1.Cumulative transfer limit is N100,000 (One hundred thousand Naira) daily
2. Cumulative transaction limit on Airtime top-up is N3,000.00 (Three thousand Naira) daily.

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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