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

Keystone Bank’s USSD mobile banking service offers customers a convenient and efficient way to access their accounts and perform various financial transactions on the go.

With the rapid advancement of technology, USSD (Unstructured Supplementary Service Data) has emerged as a popular and user-friendly tool for banking activities.

Keystone Bank is a leading financial institution in Nigeria, known for its innovative banking solutions and customer-centric approach. Established in 2011, the bank has rapidly grown to become a trusted partner for individuals and businesses.

The aim is to provide efficient financial services that empower customers to achieve their goals. The bank’s vision is to be the preferred financial services provider, delivering exceptional value to all stakeholders.

In this article, we will explore the features, benefits and how to register for Keystone Bank’s USSD mobile banking, providing a comprehensive guide on how to leverage this service effectively.

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

Features of Keystone Bank ussd

Keystone Bank’s USSD code, *7111#, offers a wide range of features that allow you to perform various banking transactions conveniently from your mobile phone without needing an internet connection.

  • The mobile number to be used MUST be the number that is registered with Keystone Bank.
  • Allows you to select which account to transact with, where you have more than one Keystone Bank account.
  • The maximum daily transfer limit is N100,000 (combination of Intrabank and Interbank) and maximum daily airtime purchase is N10, 000.
  • The service is available to Airtel, 9Mobile, GLO and MTN subscribers and dependent on full network signal from your telecom provider.
  • The money is deducted directly from your Keystone Bank account.
  • Transactions can be done within and outside Nigeria

Also read: How to register and activate First bank USSD

    • Benefits of Keystone Bank’s USSD

Keystone Bank’s USSD code, *7111#, offers numerous benefits that make banking easier and more accessible for its customers:

  1. Convenience: You can perform various banking transactions directly from your mobile phone without needing an internet connection or visiting a bank branch. This makes it ideal for people in areas with limited internet access or those who prefer using a simple interface.

  2. Accessibility: The USSD service is available 24/7, allowing you to manage your finances anytime, anywhere. You can check your balance, transfer funds, or pay bills at your convenience.

  3. Speed and Efficiency: Transactions are processed quickly, saving you time compared to traditional banking methods. You can complete most transactions within seconds.

  4. Security: Keystone Bank employs robust security measures to protect your transactions via USSD. Your PIN acts as an additional layer of security to prevent unauthorized access.

  5. Cost-Effective: Using the USSD service is often free or incurs minimal charges compared to other banking channels, making it a cost-effective option for many users.

  6. Versatility: The USSD code offers a wide range of features, from basic balance inquiries and transfers to more advanced services like bill payments and loan management.

  7. Financial Inclusion: It promotes financial inclusion by providing banking services to individuals who may not have access to smartphones or internet banking.

  8. User-Friendly: The USSD interface is simple and easy to navigate, even for those who are not tech-savvy. The menu-driven prompts guide you through the transaction process.

Read: How to Register for Ecobank USSD Code and transfer money

Requirements to register for Keystone Bank’s USSD

To register for Keystone Bank’s USSD service, *7111#, you’ll need the following:

  • A Keystone Bank Account: You must have an active account with Keystone Bank to use their USSD services.
  • A Registered Phone Number: This should be the phone number linked to your Keystone Bank account.
  • Your Account Number: You will need this to verify your identity during registration.
  • Your Year of Birth: This is another security measure to verify your identity.

How to Register for keystone bank ussd:

  1. Dial *7111# from your registered mobile number.
  2. Attempt any transaction from the menu (e.g., balance enquiry).
  3. You will be prompted to register since it’s your first time.
  4. Select the “Register” option.
  5. Enter your Keystone Bank account number.
  6. Enter your year of birth.
  7. Create a 4-digit PIN. This will be your transaction PIN for future USSD transactions.
  8. Confirm your PIN.

Once you complete these steps, your registration will be successful, and you can start using Keystone Bank’s USSD services.

Read: How to register for Access bank internet banking and mobile App

How to transfer money from keystone bank

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

  1. *Dial *7111# from your registered mobile phone (the number linked to your Keystone Bank account).
  2. Select “Send Money” from the menu options.
  3. Enter the amount you wish to transfer.
  4. Enter the recipient’s NUBAN account number. This is the 10-digit account number used by all Nigerian banks.
  5. Confirm the details: Double-check the amount and the recipient’s account number to ensure accuracy.
  6. Enter your 4-digit PIN to authorize the transaction.

You will receive a confirmation message if the transfer is successful. The recipient will also receive a notification of the credit alert.

How to buy airtime from keystone bank

Buying airtime from Keystone Bank using USSD is a quick and convenient process. Here’s how to do it:

1. Self Recharge:

  • Dial *7111*Amount# on your mobile phone. Replace “Amount” with the amount of airtime you want to purchase (e.g., *7111*1000# to buy ₦1,000 airtime).
  • You will be prompted to enter your 4-digit PIN to confirm the transaction.

2. Recharge for Others:

  • Dial *7111*Amount*Phone Number# on your mobile phone. Replace “Amount” with the airtime amount and “Phone Number” with the recipient’s phone number (e.g., *7111*500*08012345678#).
  • You will be prompted to enter your 4-digit PIN to confirm the transaction.

How to check Keystone bank account balance

Keystone Bank offers multiple ways to check your account balance:

1. USSD Code:

This is the quickest and easiest way, especially if you don’t have internet access.

  • Dial *7111*00# from your registered mobile phone.
  • You will be prompted to enter your 4-digit PIN.
  • Your account balance will be displayed on the screen.

2. Keystone Mobile App:

If you have the Keystone Mobile app installed on your smartphone:

  • Log in to the app.
  • Your account balance will be displayed prominently on the dashboard.

3. Internet Banking:

You can also check your balance through Keystone Bank’s internet banking platform.

  • Log in to your account on their website.
  • Your account summary, including the balance, will be visible on your dashboard.

4. ATM:

  • Insert your Keystone Bank debit card into any ATM.
  • Select “Balance Inquiry” or a similar option.
  • Your balance will be displayed on the screen or printed on a receipt.

5. Bank Statement:

  • Request a mini-statement or a full statement from a Keystone Bank branch or ATM.
  • The statement will include your current balance along with transaction history.

6. Customer Service:

  • Call Keystone Bank’s customer service hotline at +23470020003000.
  • Follow the prompts to check your account balance.

How to block keystone bank account and atm card

There are several ways to block your Keystone Bank ATM card in case of loss, theft, or suspected fraud:

1. Keystone Bank USSD Code:

  • Dial *7111*911# from your registered mobile phone.
  • Follow the prompts to block your card.

2. Contact Customer Service:

  • Call Keystone Bank’s 24/7 customer service hotline at +234 700 2000 3000.
  • Inform them of your lost or stolen card and request a block.
  • They will verify your identity and block the card immediately.

3. Visit a Branch:

  • Go to the nearest Keystone Bank branch.
  • Notify the staff about your lost or stolen card.
  • They will assist you in blocking the card and guide you on how to get a replacement.

How to pay bills from Keystone bank

Keystone Bank offers multiple ways to pay your bills conveniently:

1. Keystone Bank USSD Code:

  • Dial *7111# from your registered mobile phone.
  • Select “Other Services.”
  • Choose “Bills Payment.”
  • Select the category of the bill you want to pay (e.g., Cable TV, Electricity, Internet).
  • Choose the specific biller.
  • Enter the required details (e.g., customer ID, smartcard number).
  • Enter the amount to pay.
  • Confirm the details and authorize the transaction with your PIN.

2. Keystone Mobile App:

  • Log in to the Keystone Mobile app.
  • Go to the “Bills Payment” section.
  • Select the biller and enter the necessary details.
  • Confirm and authorize the payment.

3. Internet Banking:

  • Log in to your Keystone Bank online banking account.
  • Navigate to the “Bills Payment” section.
  • Choose the biller and fill in the required information.
  • Review and authorize the payment.

How to reset PIN or reset/create keystone bank transaction code

Keystone Bank offers multiple ways to reset or create your transaction PIN/code:

1. USSD Code:

  • PIN Reset:
    • Dial *7111# on your phone.
    • Select ‘Other Services’.
    • Select ‘Next’.
    • Select ‘Reset PIN’.
    • Input your desired new PIN.
    • Input the last 6 digits of your debit card to complete the request.
  • PIN Change:
    • Dial *7111# on your phone.
    • Select ‘Other Services’.
    • Select ‘Change PIN’.
    • Input your old PIN.
    • Create a new PIN.

How to perform Keystone cardless withdrawal

Keystone Bank offers cardless withdrawal through their USSD service (*7111#) and at their ATMs. This service allows you to withdraw cash without needing your physical debit card.

 Using USSD Code (7111#)

  1. Dial *7111# on your registered mobile phone.
  2. Select ‘Other services’.
  3. On the next page, select the 4th option, which is ‘Cardless-Paycode’.
  4. Enter the desired withdrawal amount.
  5. A PIN will be generated. Take note of this PIN.
  6. Proceed to the nearest Keystone Bank ATM.
  7. On the ATM screen, select ‘Cardless Withdrawal’ or a similar option.
  8. Enter the generated PIN and the withdrawal amount.
  9. Collect your cash.

FAQS

Q: What is the Keystone Bank USSD code?

A: The Keystone Bank USSD code is *7111#.

Q: How do I register for Keystone Bank USSD?

A:  Dial *7111# and attempt any transaction. You will be prompted to register

Q: What can I do with Keystone Bank USSD?

A: You can perform a variety of banking transactions, including:

  • Checking your account balance
  • Transferring funds to Keystone and other bank accounts
  • Buying airtime
  • Paying bills
  • Resetting or changing your PIN
  • Cardless withdrawal

Q: How do I check my account balance?

A: Dial *7111*00# and follow the prompts.

Q: How do I transfer money?

A: Dial *7111#, select ‘Send Money’, enter the amount, recipient’s account number, and your PIN.

Q: How do I buy airtime?

A: Dial *7111*Amount# for self or *7111*Amount*Phone Number# for others.

Q: How do I pay bills?

A: Dial *7111#, select ‘Pay Bills’, choose the biller, enter details, and confirm.

Q: How do I reset or change my PIN?

A: Dial *7111#, select ‘Other Services’, and choose ‘Reset PIN’ or ‘Change PIN’.

Q: How do I do a cardless withdrawal?

A: Dial *7111#, select ‘Cardless-Paycode’, enter the amount, get a PIN, and use it at a Keystone Bank ATM.

Q: Is Keystone Bank USSD safe?

A: Yes, it uses encryption and requires your PIN for authorization.

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;Kokobest04@gmail.com
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About admin

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 ;Kokobest04@gmail.com
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