Zenith Bank Transfer Code

How would you like a Zenith Bank transfer code to send money from Zenith to other banks in Nigeria?

If you most certainly would, walk with us as we show you how to use the phone transfer code for Zenith Bank without visiting ATMs or banking halls.

This code allows transfers to UBA, Zenith, Diamond Access, Fidelity, Polaris, and other top banks in Nigeria.

The Zenith bank transfer code is *966#

And you may have guessed right already, it’s a USSD (Unstructured Supplementary Service Data) code we’ll be using to transact among these financial institutions.

There’s a loan USSD code, a code to enable you to load airtime from your Zenith account, retrieve Zenith bank account number, make DSTV/GoTV payments, and even your check account balance.

This means not having a transfer app is not a limitation to the things you can do and the easy banking services you can enjoy.

So, let’s get right to it.

Zenith Bank Transfer Code to Another Bank

The Zenith Bank transfer code to another bank is *966#.

There’s a whole lot of services you’ll be able to access just by using this EazyBanking code.

The list of services include:

  • Buying airtime
  • Opening an account
  • Creating a virtual card
  • Checking account balance
  • Sending money to Zenith and other banks

Here’s a brief outline of easy of these services:

  1. Buying Airtime:

Users of the Zenith Bank USSD code can recharge their MTN, GLO, 9Mobile, and Airtel lines conveniently.

This means those leftover hundreds of Naira in your account can be put to good use instead of lying there for days and being debited as a service charge.

Read Also: First Bank Transfer Code

The ability to recharge your line with the USSD also offers an easy way to get funded even without stepping out of your home or office.

Therefore, if you’ll like to top up, do the following:

  • Dial *966*Amount*Phone number#

For example, *966*1000*07031029391#

To buy airtime for yourself (it will be sent to the number linked to your Zenith account),

  • Dial *966*Amount#

It’s as simple as that!

On the other hand, you could also dial *966# and follow the prompt to recharge your line or that of others.

  • Accept the prompt for a fee of ₦6.98 to be charged to your account for the transaction.
  • Type 5 to select ‘Airtime’ and click on ‘Send’
  • Type 1 to recharge to the line linked to your Zenith account or Type 2 to recharge to another line.
  • If you entered 2, carefully input the phone number you want to recharge.
  • Enter the network you want to recharge to
  • Enter the amount
  • Finally, enter your four-digit PIN to authenticate the transaction.

2. Opening an Account:

Feeling too tired to walk to even the nearest Zenith Bank branch in your area?

You’re not alone and you don’t even have to set foot outside.

The reason lies in the ability to create a Zenith Bank account using USSD code.

All you have to do is:

  • Dial *966#.
  • Accept the prompt for a fee of ₦6.98 to be charged to your account for the transaction.
  • Type 1 to select ‘Open Account’
  • Follow the prompt messages to set up a new account.

3. Creating a Virtual Card:

Creating a virtual card would most be appreciated by those who do not have a Zenith Bank debit or credit card.

You’ll agree that most online transactions require a credit card to complete your orders.

Hence, a virtual card that features your account name, credit card number, expiry date, and CVC will help you out.

You’ll be able to shop at your convenience even without owning a physical credit or debit card.


  • Dial *966#.
  • Type 2 to select the option ‘Get a Card’

Zenith Bank Transfer Code

  • Type 1 to select ‘Get a Virtual Card’
  • Choose between a Visa or Mastercard by typing 1 or 2

mobile banking code for zenith bank

  • Enter your USSD PIN if you consent to a ₦500 charge that will be levied on your account for the card’s creation.

zenith bank ussd transfer code

  • Read the terms and conditions. If you’re Ok with it, type 1 to select ‘I agree.’

Zenith Bank Transfer Code

Your virtual card will be created and its details will be sent to you as a text message.

If you lose these card details, you can still dial the shortcode to retrieve them.

4. Checking Account Balance:

The Zenith Bank USSD code can also be used to check your account balance.

There’s no need to launch the mobile app or go to an ATM to check what’s left in your account or if pending funds have entered.

The only difference is the ₦10 charge that will be levied on your account each time you check your balance via USSD.

If that’s ok with you, then proceed by dialing *966*00#

Or dial *966# and then choose option 4 to check the balance.

5. Sending Money to Zenith and Other Banks:

Here’s the part you’ll come to appreciate and it’s in the ability to use the money transfer code for Zenith Bank to send money to Access, GTB, UBA, Union Bank, Ecobank, First Bank, PalmPay, Kuda, etc.

If you want the process to be even faster:

  • Dial *966*Amount*Account Number#

For example:


  • The next step is to select the Bank’s name you’re sending to.
  • Finally, enter your four-digit PIN to authenticate the payment.

Note that if a debit or credit card has not been linked to your account or it’s a student account you’re using, you’ll not be able to send more than ₦20,000 daily.

To lift the limit on your account, go to any Zenith Bank in your area and apply for an ATM card.

Once you’ve received the card and it’s been linked to your account, the limit will be raised to around ₦100,000 daily.

It’s also worth noting that there may be times you’ll experience network delays when you enter the entire USSD code (that is, *966*Amount*Account Number#)

In cases like this, enter the code individually until you get to the last step.

Here’s what we mean:

  • Dial *966#
  • Accept the prompt for a fee of ₦6.98 to be charged to your account for the transaction.
  • Typee 6 to select ‘Transfers’
  • Enter the recipient’s account number
  • Enter the recipient’s bank
  • Enter the amount you’re sending
  • Enter your four-digit PIN
  • Finally, send.

How to Register to Use Zenith Bank Transfer Code

Here’s how to register to use the Zenith Bank transfer code if it’s your first time sending with USSD.

Do the following:

  • Dial *966*0# from the phone number you used to open the bank account. Or Dial *966# and Type 3 to select ‘Register’
  • Enter the last four digits of your ATM card.
  • Create a new PIN that will be used to authenticate transfers.
  • Renter the PIN you just created.
  • Confirm the PIN is correct.

Once your account has been set up, a text message will be sent to you about the successful registration for USSD transfers.

It’s also entirely possible to register Zenith transfer code without a debit card following the steps outline above.

All you have to do is:

  • Dial *966#
  • Type 3 to select ‘Register’
  • Provide your account number and if the phone number is associated with the account you’ve inputted, you’ll be asked to create a PIN for the account.

Nonetheless, you won’t be able to transfer more than ₦20,000 daily unless you link a card to the account.

How to Deactivate Zenith Bank Mobile Banking

There may be cases where you suspect that someone has your PIN and may be able to transfer money from your account using USSD.

A good solution is to deactivate the Zenith Bank mobile banking from your phone or call customer care.

To deactivate the Zenith Bank mobile banking, dial *966*20*0#.

The Zenith Bank customer care number is 01 278 7000.


It’s ideal to know how to use the Zenith Bank transfer code to send money to other banks because you may need it in an emergency.

This means that having an active ATM card and mobile app is not enough since there may be cases where the ATM has a long queue or your mobile network is bad.

The USSD code will serve as a good alternative to enable you to send money to family and friends.

If that’s what you want, carefully go through the steps we’ve outlined above on the Zenith Bank transfer code registration and sending funds from a mobile phone.