Keystone Bank USSD Code: Easy Mobile Banking

Today, I will be guiding you on the Keystone USSD code and how to use it for banking transactions in Nigeria. Whether you want to check your account balance, send money, or buy data and airtime, you are fully covered.

Keystone is one of the most trusted and recognized commercial banks in Nigeria, serving millions of customers across the country. USSD stands for “Unstructured Supplementary Service Data.” It is a mobile communication protocol that facilitates real-time interaction between mobile network operators, such as MTN, Airtel, Glo, and 9mobile, and the bank’s customers.

If you’re a Keystone Bank customer, the Keystone USSD code makes banking fast, easy, and available right from your mobile phone. You don’t need the internet, an app, or even to visit a bank branch. Just a simple code works for transactions anytime, anywhere.

What is the Keystone USSD Code?

The official Keystone Bank USSD code is *7111#. This mobile banking shortcode is compatible with all Nigerian networks, including MTN, Airtel, Glo, and 9mobile, and it works on any phone, whether it is a smartphone or a basic feature phone. By using *7111#, you can transfer money, purchase airtime, check your account balance, pay bills, and more without needing a smartphone or an internet connection.

How to Activate Keystone USSD Banking

You might struggle to use the Keystone Bank USSD code if you have not activated the service on your account. So before you can use the Keystone USSD code, you need to register and link your account by following these steps below:

• *Dial *7111*0# from the phone number linked to your Keystone Bank account.
• Select the option to register.
• Enter your Keystone Bank account number.
• Create a 4-digit PIN to authorize transactions.
• Confirm your registration.

Once activated, you can start using all available services.

Keystone Bank USSD Code for Different Transactions

Now, after you have enabled the USSD service on your account using your phone, the next thing is to learn how to use the code. Dialing *7111# can only take you to the main menu of the shortcode, but you need the direct codes. Below are the direct codes that you can dial to perform different transactions or activities:

Registration: *7111*0#

If you have not registered for the USSD services, then you need to dial the shortcode below to register and start using the code to handle your transactions.

• Dial *7111*0# to register on USSD.

Check account balance: *7111*00#

Instantly check your Keystone account balance on the go with the help of this simple shortcode that allows you to check your account balance anytime you wish.

• Dial *7111*00# on the bank-registered phone;
• Authenticate using your Transaction PIN.
• Then your account balance will be displayed.

Recharge your phone: *7111*Amount#

Buying airtime has never been easier; no need to add extra money when buying from most of the shops. All you need is to use this shortcode to get the airtime from your bank. It’s a fast and secure option for airtime and data subscriptions.

• Dial *7111*Amount# (e.g. *7111*1000#) on bank registered phone;
• Wait for the success notification.
• And you can start making calls.

Recharge for others: *7111*Amount*Phone Number#

Since you can only link one phone number to your bank account, you might still need to recharge your other phones. The shortcode below helps you to recharge your other phones, family, and friends.

• Dial *7111*Amount*Phone Number# (e.g.*7111*1000*08011223344);
• Input your T-PIN.
• Wait for the success notification.

Mobile Data: *7111*5#

If you want a data subscription on your phone, all you need to dial the code below to subscribe to any data plan from any mobile network provider in Nigeria. You can buy for others as well using this method.

• Dial *7111*5#, select either for self or others
• Select a data plan.
• Input T-PIN;
• Wait for the success notification.

Send Money: *7111*Amount*Nuban Account Number#

If you are struggling to send money or looking for the shortcode that can be used to send money using Keystone Bank, then look no further. The shortcode below will make it easier for you to spend money on the go with ease.

• Dial *7111*Amount*Nuban Account Number# (e.g. *7111*1000*1244511345#) from your phone number;
• Authenticate your transaction with your PIN.

Note: the account number above is an example, so don’t make the mistake of sending money to the number

Bills Payment:

What you can do with Keystone USSD code is not just about sending money or checking your account balance. You can also pay for your GOtv, DStv, pay your electricity bills, and lots more.

• Dial *7111# on your registered phone number;
• Select ‘Other services’;
• Select ‘Bills Payment’ on the next page to make a payment for a biller.

BVN: *7111*6#

If you have forgotten your BVN (Bank Verification Number) and wish to retrieve it, then you have to dial the code below:

• Dial *7111*6# from the bank-registered phone number;
• Enter your T-PIN.
• And then BVN is displayed.

Change default Top-up Account: *7111*AcctNo#

• Dial *7111# on your phone;
• Select the ‘Other services’;
• On the next page, select the ‘Next’;
• Pick the ‘Change default top up’ option to change your default account number for airtime top-up.

Cardless- Pay code:

When you forget your ATM card, you can use this method to get some cash without the card. This simply means that you can’t be stranded as long as you know the Keystone bank cardless pay code. Let’s get started on how to do it below:

• Dial *7111# on your phone;
• Select the ‘Other services’;
• On the next page, select the 4th option, which is ‘Cardless-Paycode’;
• Enter the amount, and a PIN will be generated.
• Proceed to the ATM and complete your transaction.

Activate Debit Card: *7111*9*123#

Normally, bank officials usually help to activate an ATM card in the bank, but you can now do it yourself. All you need to activate your Keystone ATM card is to follow the instructions below:

• Dial *7111*9*123# on your phone;
• Select the ‘activate card’ option.
• A prompt is obtained on the PAN of the card to be activated.
• Select the PAN.
• Create your card PIN.
• Input your T-PIN.
• Wait for the success notification.

PIN Reset:

Resting your PIN is different from changing your PIN. Reset means that you might have forgotten your old PIN and wish to reset the PIN. Changing PIN, on the other hand, is when you still remember your old PIN and choose to change it to a different one.

This process requires your debit ATM card to be able to reset your PIN. Make sure that you have the card ready before starting the reset process.

• Dial *7111# on your phone;
• Select the ‘Other services’;
• On the next page, select the ‘Next’ option.
• On the third page, select the last option, which is ‘reset PIN’;
• Input your desired PIN.
• Input the last 6 digits of your debit card to complete the request.

PIN Change:

Use this option to change your transaction PIN if you have exposed the current PIN to a long person. You can also occasionally choose to change it for security reasons.

• Dial *7111# on your phone;
• Select the ‘Other services’;
• On the next page, select the 5th option, which is ‘change PIN’;
• Input your old PIN, then create a new PIN.

Panic Code: *7111*911#

If you lost your ATM card or felt at any point that your account and money are no longer safe. You need to use this Keystone Bank panic code to activate PND. This might sound strange to you, but PND means “Post No Debit,” a service that ensures that no money is withdrawn from your account until further notice.

• Dial *7111*911# from any phone
• Enter the account/phone number to place a PND on all your accounts.

Enable/Disable:

If you think that your transaction PIN has been compromised or wish to disable or enable the USSD code services on your phone. All you need to do is follow these steps below:

• Dial *7111# on your phone;
• Select the ‘Other services’;
• On the next page, select the ‘Next’;
• Pick the ‘Enable/Disable’ option to enable or disable your USSD.

Full list of Keystone Bank USSD codes and how to use them

Below is the full list of Keystone Bank USSD Codes and how to use them for different transactions in a tabled list.

Conclusion

I believe you have gotten all the information about the Keystone Bank USSD code and how to use it to perform different transactions. However, if you are still not sure of anything, kindly use the comment option below to share your opinion and ask questions.

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