Keystone Bank USSD Code for Transfers and Airtime

To use the service, dial *7111# from the phone number registered with your Keystone Bank account. New users must enrol and create a four-digit transaction PIN before they can authorise transfers and other secured transactions.

Keystone Bank also provides direct codes for its most common services. You can register with *7111*0#, check your balance with *7111*00#, transfer money with *7111*amount*account number#, buy airtime for yourself with *7111*amount#, and block your accounts in an emergency with *7111*911#.

Keystone Bank USSD Codes

Keystone Bank can change menu positions and transaction options. When a direct code does not work, dial the main *7111# code and select the service from the current menu.

What Is the Keystone Bank USSD Code?

The official Keystone Bank mobile banking code is:

*7111#

USSD stands for Unstructured Supplementary Service Data. It allows your phone to communicate with the bank through the mobile network instead of an internet connection.

You can use the code on:

• Android phones
• iPhones
• Basic feature phones
• MTN lines
• Airtel lines
• Glo lines
• 9mobile lines

The SIM must use the phone number registered with your Keystone Bank account for normal banking transactions.

Keystone Bank states that the service can also work when a customer is outside Nigeria, provided the registered phone number has active roaming service and can connect to a supported mobile network.

What Can I Do With *7111#?

The Keystone Bank USSD platform supports services such as:

• Transfer money to Keystone Bank accounts
• Transfer money to other Nigerian banks
• Buy airtime for yourself
• Recharge another phone number
• Purchase mobile data
• Check your account balance
• Retrieve your BVN
• Pay selected bills
• Generate a cash token
• Make cardless ATM withdrawals
• Activate a Keystone debit card
• Change or reset a transaction PIN
• Enable or disable USSD banking
• Change the default airtime account
• Make supported merchant payments
• Block all linked accounts during an emergency

Some services may require the KeyMobile app, internet banking, an ATM, or a branch visit.

How to Register Keystone Bank USSD Code

You can register through the main menu or use the direct enrolment code.

Registration Through the Main Menu

1. Dial *7111# from the phone number registered with Keystone Bank.
2. Select any transaction, such as balance enquiry.
3. Choose Register when the registration option appears.
4. Enter your Keystone Bank account number.
5. Enter your year of birth.
6. Create a four-digit transaction PIN.
7. Confirm the PIN.
8. Wait for the successful registration message.

Registration With the Direct Code

Dial:

*7111*0#

Then:

1. Select the registration option.
2. Enter your account number.
3. Enter your year of birth.
4. Create your transaction PIN.
5. Confirm the PIN.

The service should automatically connect the eligible personal accounts associated with your registered phone number.

Requirements for Registering *7111

You generally need:

• An active Keystone Bank personal account
• Your Keystone Bank account number
• The phone number registered with the bank
• Your correct year of birth
• A working Nigerian SIM
• Reliable mobile network coverage
• Airtime for any network USSD charge
• A secure four-digit transaction PIN

Keystone Bank states that individual customers can use the service. Joint accounts, corporate accounts, and accounts requiring multiple signatories are generally not eligible.

You do not need to be registered for internet banking or the KeyMobile app before using *7111#.

How to Use Keystone Bank USSD Banking

After registration:

1. Dial *7111#.
2. Select the service you need.
3. Choose the account to debit if more than one account is linked.
4. Enter the requested transaction details.
5. Review the beneficiary, amount, or bill information.
6. Enter your transaction PIN.
7. Wait for the confirmation message.

Respond promptly because USSD sessions expire after a short period.

Never approve a transaction when the recipient’s name, amount, or account number is incorrect.

Keystone Bank Transfer Code

The Keystone Bank transfer code is:

*7111*amount*account number#

For example, to transfer ₦10,000 to account number 0123456789, dial:

*7111*10000*0123456789#

You will be prompted to select or confirm the receiving bank, verify the beneficiary’s name, choose the account to debit, and enter your transaction PIN.

The code works for transfers to Keystone Bank and supported accounts at other Nigerian banks.

How to Transfer Money With Keystone Bank USSD

1. Dial *7111*amount*account number#.
2. Select the recipient’s bank when requested.
3. Confirm the beneficiary’s account name.
4. Select the Keystone account to debit if you have more than one.
5. Enter your four-digit transaction PIN.
6. Review the transfer amount and displayed charges.
7. Confirm the transaction.
8. Wait for the debit and transfer notifications.

You can also dial *7111# and select Send Money from the main menu.

Do not enter your PIN when the account name displayed does not match the intended recipient.

If you use more than one Nigerian bank, you can also read my guides to the GTBank USSD code and UBA USSD code.

Keystone Bank Transfer Limit

Keystone Bank currently states that the maximum daily transfer limit through *7111# is:

₦100,000 per day

This is a combined limit for transfers to Keystone Bank accounts and other banks.

Your actual limit may be lower because of:

• Account type
• Account verification level
• Available balance
• Security restrictions
• Regulatory requirements
• Daily transactions already completed
• Temporary bank controls
• Account status

The transfer limit is not necessarily the same as the limit on the KeyMobile app or internet banking.

Use an alternative banking channel or visit a branch when you need to send an amount above your USSD limit.

Keystone Bank Transfer Charges

A transfer may attract:

• Bank transfer charges
• Applicable taxes
• A mobile-network USSD access charge
• Electronic transfer levies where legally applicable

The final charge can depend on the amount, recipient bank, account type, and current regulations.

Review the fee displayed during the USSD session before entering your PIN.

The mobile network may deduct its USSD charge from your airtime balance rather than your bank account.

Keystone Bank Airtime Code

To buy airtime for the phone number registered with your Keystone Bank account, dial:

*7111*amount#

For example, to buy ₦1,000 airtime, dial:

*7111*1000#

Wait for the successful recharge notification.

Self-recharge may not require a transaction PIN. This makes it important to keep your registered phone and SIM secure.

Keystone Bank Airtime Code for Another Number

To recharge another phone number, dial:

*7111*amount*phone number#

For example:

*7111*500*08012345678#

Then:

1. Confirm the amount.
2. Check the recipient’s phone number.
3. Select the account to debit if prompted.
4. Enter your transaction PIN.
5. Wait for the recharge confirmation.

Check all eleven digits before authorising the transaction. Airtime sent to a wrong but active number may be difficult to recover.

Keystone Bank Airtime Limit

Keystone Bank currently lists a maximum daily airtime purchase of:

₦10,000

The limit covers airtime purchases made through the USSD service.

Your account may have additional restrictions, and the bank can change the limit. Follow the current information displayed during the transaction.

Keystone Bank Data Code

To buy a mobile data bundle, dial:

*7111*5#

Then:

1. Choose whether the data is for yourself or another person.
2. Select the mobile network.
3. Enter the phone number when required.
4. Select the data plan.
5. Check the price, allowance, and validity.
6. Enter your transaction PIN.
7. Wait for confirmation.

Data prices and bundles are controlled by the mobile networks and can change.

Do not select a plan based only on its price. Check the data volume, validity, and whether it is a daily, weekly, monthly, social, night, or special-purpose bundle.

Keystone Bank Code to Check Balance

The Keystone Bank balance code is:

*7111*00#

To check your balance:

1. Dial *7111*00# from your registered phone number.
2. Select the account when more than one account is linked.
3. Enter your transaction PIN.
4. View the available balance on the screen.

You may also receive the balance through an SMS notification.

A balance-enquiry fee and mobile-network USSD charge may apply.

Avoid checking your balance where another person can watch you enter the PIN.

Keystone Bank BVN Code

The Keystone Bank BVN code is:

*7111*6#

To retrieve the BVN connected to your account:

1. Dial *7111*6# from the registered phone number.
2. Enter your transaction PIN.
3. View the BVN displayed through the service.

Your Bank Verification Number is sensitive personal information.

Do not:

• Post it publicly
• Send it to an unknown social media support account
• Read it to an unsolicited caller
• Enter it into an unverified website
• Share a screenshot containing the full number

Keystone Bank Bill Payment

To pay a bill:

1. Dial *7111#.
2. Select Other Services.
3. Choose Bills Payment.
4. Select the bill category.
5. Choose the service provider.
6. Enter the customer or service number.
7. Enter the amount.
8. Check the customer details.
9. Enter your transaction PIN.
10. Save the confirmation message.

Available bill categories may include:

• Electricity
• DStv
• GOtv
• Internet subscriptions
• Education payments
• Mobile services
• Other supported billers

Depending on the provider, you may need a meter number, smartcard number, IUC number, customer ID, or payment reference.

Confirm the number carefully before paying.

Keystone Bank Cash Token Code

Dial:

*7111*7#

This opens the cash-token service.

The options and permitted uses may depend on the current Keystone Bank menu. Follow the instructions displayed on your phone and protect any token, reference, or one-time PIN generated.

A cash token should be treated like cash. Anyone who obtains all the required withdrawal or payment details may be able to use it.

Keystone Bank Cardless Withdrawal

Keystone Bank provides a Cardless-Paycode option through the main USSD menu.

To generate a cardless withdrawal:

1. Dial *7111#.
2. Select Other Services.
3. Choose Cardless-Paycode.
4. Enter the withdrawal amount.
5. Enter your transaction PIN.
6. Save the generated paycode or withdrawal details.
7. Visit a supported ATM.
8. Select the cardless withdrawal or paycode option.
9. Enter the required reference and one-time PIN.
10. Confirm the amount and collect the cash.

The generated code may expire after a limited period.

Never give both the paycode and one-time PIN to another person unless you intentionally want that person to collect the money.

Keystone Bank Debit Card Activation Code

The debit-card activation code is:

*7111*9*123#

To activate a card:

1. Dial *7111*9*123#.
2. Select Activate Card.
3. Choose the card number or masked PAN shown.
4. Create the debit-card PIN when prompted.
5. Enter your USSD transaction PIN.
6. Wait for the activation confirmation.

Do not confuse your debit-card PIN with your USSD transaction PIN.

Your card PIN is used at an ATM or POS terminal. Your USSD transaction PIN authorises transactions performed through *7111#.

Keystone Bank M-Cash Code

For a supported M-Cash merchant payment, dial:

*7111*22*merchant code*amount#

Replace the merchant code and amount with the details provided by the merchant.

Before authorising:

• Confirm the merchant name.
• Check the amount.
• Make sure the transaction has not already succeeded.
• Enter your PIN privately.
• Collect a receipt or confirmation.

Do not allow a merchant or POS operator to ask you to say your transaction PIN aloud.

Keystone Bank Code to Block an Account

The Keystone Bank emergency account-blocking code is:

*7111*911#

Keystone Bank states that you can dial this code from any phone.

Use it when:

• Your registered phone is stolen
• Your SIM is missing
• You suspect a SIM swap
• Your debit card is lost
• You disclosed your PIN or OTP
• You notice an unauthorised debit
• Someone gains access to your banking app
• You believe your account has been compromised

How to Block Keystone Bank Accounts

1. Use any available mobile phone.
2. Dial *7111*911#.
3. Enter the Keystone Bank account number or registered phone number requested.
4. Follow the security prompts.
5. Confirm the blocking instruction.
6. Contact Keystone Bank immediately.

The code places a restriction on debit transactions across the affected Keystone Bank accounts.

My guide on how to block an ATM card using USSD contains additional steps for protecting a Nigerian bank account after a phone or card is stolen.

What to Do After Blocking the Account

After using the panic code:

1. Contact Keystone Bank customer care.
2. Block the stolen SIM through your mobile network.
3. Change the password of your banking email.
4. Change your KeyMobile password.
5. Review recent transactions.
6. Report every unauthorised debit.
7. Request a replacement debit card when necessary.
8. Visit a branch with identification if instructed.
9. Do not attempt to remove the restriction through an unknown agent.

Keystone Bank may require identity verification before restoring debit access.

How to Change Keystone Bank USSD PIN

To change the transaction PIN:

1. Dial *7111#.
2. Select Other Services.
3. Move to the next page.
4. Select Change PIN.
5. Enter your old transaction PIN.
6. Create a new four-digit PIN.
7. Confirm the new PIN.

Avoid using:

• 0000
• 1111
• 1234
• Your birth year
• The last four digits of your phone number
• Your ATM PIN
• Repeated or sequential digits

Use a PIN that another person cannot easily guess.

How to Reset Keystone Bank USSD PIN

When you forget the PIN:

1. Dial *7111#.
2. Select Other Services.
3. Move through the next menu pages.
4. Select Reset PIN.
5. Enter the new transaction PIN you want to use.
6. Enter the last six digits of your Keystone debit card when requested.
7. Confirm the reset.

Keystone Bank states that entering a wrong PIN three times can lock you out of the service.

Contact the bank when the self-service reset fails or when you do not have an eligible debit card.

Never disclose your card PIN, CVV, OTP, or complete card number to anyone claiming to reset your USSD profile.

How to Disable Keystone Bank USSD Banking

To temporarily disable the service:

1. Dial *7111#.
2. Select Other Services.
3. Move to the next menu.
4. Select Enable/Disable.
5. Choose the option to disable USSD.
6. Enter your PIN when requested.

This can be useful when you are changing phones, replacing a SIM, or concerned about account security.

You can return to the same menu to enable the service later, subject to verification.

How to Change the Default Airtime Account

If multiple Keystone accounts are linked to your number, you can choose which account pays for self-airtime purchases.

1. Dial *7111#.
2. Select Other Services.
3. Move to the next menu.
4. Choose Change Default Top Up.
5. Select the account you want to use.
6. Confirm the change.

This prevents airtime from being deducted from the wrong account.

Keystone Bank USSD Code Not Working

Several issues can stop *7111# from working.

You Are Using the Wrong Phone Number

Normal transactions must be initiated from the number registered with Keystone Bank.

Use the correct SIM or update your phone number with the bank.

The Service Is Not Registered

Dial:

*7111*0#

Complete the enrolment process before attempting a transfer.

Your Airtime Is Insufficient

A mobile-network USSD fee may apply.

Recharge the SIM and try again.

The Network Signal Is Poor

Move to an area with better mobile coverage and redial the code.

USSD does not need internet data, but it still requires a stable mobile network.

The USSD Session Timed Out

USSD menus close after a short period of inactivity.

Restart the transaction and respond to the prompts promptly.

You Selected the Wrong SIM

On a dual-SIM phone, choose the SIM linked to Keystone Bank.

Set it as the default call SIM temporarily if necessary.

You Entered a Wrong PIN

Keystone Bank states that three incorrect PIN attempts can lock the service.

Stop guessing and use the PIN reset option or contact the bank.

Your Account Is Not Eligible

Joint, corporate, and multiple-signatory accounts may not qualify for the personal USSD service.

Use the appropriate business banking channel.

The Account Is Restricted

Incomplete identity verification, unusual activity, a legal restriction, or a security review can stop transactions.

Contact Keystone Bank for assistance.

Keystone Bank or the Mobile Network Is Unavailable

A temporary outage can affect USSD sessions.

Wait and try again. Do not repeatedly initiate the same transfer if you are unsure whether it succeeded.

Keystone Bank Transfer Failed but I Was Debited

Do not make the same transfer again immediately.

Take these steps:

1. Check your account balance.
2. Ask whether the beneficiary received the money.
3. Review your KeyMobile transaction history when internet access is available.
4. Save the debit alert.
5. Record the transaction reference.
6. Note the date, time, amount, receiving bank, and account number.
7. Wait for an automatic reversal.
8. Contact Keystone Bank if the money is not reversed.

When reporting the transaction, never include your PIN or OTP.

A recipient can receive the money even when your USSD screen displays a timeout. This is why you must verify the status before retrying.

Airtime or Data Purchase Failed

Check:

• The recipient number
• The selected mobile network
• Your available balance
• Whether the account was debited
• The recipient’s airtime or data balance
• Your transaction alerts
• KeyMobile transaction history

Contact Keystone Bank with the transaction reference when you were debited but the recharge did not arrive.

Do not repeat the purchase until you have confirmed the first transaction’s status.

Can I Use Keystone Bank USSD Without Internet?

Yes. *7111# uses the mobile network rather than mobile data or Wi-Fi.

You still need:

• A working SIM
• Mobile network coverage
• Airtime for possible session fees
• An active account
• The registered phone number
• A valid transaction PIN

This makes the service suitable for basic phones and locations with weak internet access.

Can I Use *7111# Outside Nigeria?

Keystone Bank states that the service can work outside Nigeria when the registered phone number has roaming service.

Roaming availability and charges depend on your mobile network and destination country.

Make sure the registered SIM can receive messages and access USSD while roaming.

Can I Use More Than One Keystone Account?

Yes. Keystone Bank states that eligible retail accounts linked to the registered phone number are automatically available through the service.

The menu should allow you to select the account to debit during a transaction.

You can also choose a default account for airtime top-ups.

Keystone Bank Customer Care

Keystone Bank currently lists these support numbers:

0700 2000 3000
0201 344 8668
0201 448 5743

Customer-care email:

contactcentre@keystonebankng.com

Contact the bank for:

• Failed transfers
• Missing reversals
• USSD registration problems
• A locked PIN
• A stolen phone
• Lost debit cards
• Unauthorised transactions
• Account restrictions
• Card activation problems
• Cardless withdrawal errors

Use only contact details published through Keystone Bank’s official channels.

Fraudsters frequently create fake support profiles and ask customers to send card details, PINs, or OTPs.

Keystone Bank USSD Security Tips

Keep your account safe by following these rules:

• Never disclose your transaction PIN.
• Never share an OTP.
• Lock your phone and SIM.
• Check the beneficiary name before every transfer.
• Avoid predictable PINs.
• Do not let a POS operator see your PIN.
• Use *7111*911# quickly after losing a phone.
• Ignore calls asking you to reverse money with a code.
• Review debit alerts regularly.
• Do not install a screen-sharing app for a supposed bank agent.
• Never enter banking details through a link sent by an unknown person.
• Contact the bank when a transaction looks suspicious.

Keystone Bank staff should not request your complete transaction PIN, card PIN, or OTP.

Keystone Bank USSD Versus KeyMobile

Use *7111# when:

• You have no mobile data
• Internet access is poor
• You use a basic phone
• You need a fast airtime purchase
• You want to check your balance
• You need to block an account urgently

The KeyMobile app may be better for:

• Detailed transaction history
• Beneficiary management
• Higher or more complex payments
• Statements
• Card controls
• Profile management
• Additional digital banking services

Keeping both channels active gives you a backup when one service is unavailable.

Frequently Asked Questions

What is the Keystone Bank USSD code?

The Keystone Bank USSD code is *7111#.

How do I register Keystone Bank USSD?

Dial *7111*0#, enter your account number and year of birth, and create a four-digit transaction PIN.

What is the Keystone Bank transfer code?

Dial *7111*amount*account number# and follow the prompts.

What is the Keystone Bank balance code?

Dial *7111*00# from the phone number registered with your account.

How do I buy airtime from Keystone Bank?

Dial *7111*amount# for your registered phone number.

How do I recharge another number?

Dial *7111*amount*phone number# and enter your transaction PIN.

What is the Keystone Bank data code?

Dial *7111*5# and select a data plan.

What is the Keystone Bank BVN code?

Dial *7111*6# and enter your transaction PIN.

How do I activate a Keystone debit card?

Dial *7111*9*123# and follow the card activation prompts.

How do I block my Keystone Bank account?

Dial *7111*911# from any available phone and follow the prompts.

Can I use the emergency code from another phone?

Yes. Keystone Bank states that *7111*911# can be dialled from any phone.

What is the Keystone Bank daily transfer limit?

The bank currently states that the combined daily USSD transfer limit is ₦100,000.

What is the daily airtime limit?

Keystone Bank currently lists a maximum of ₦10,000 per day through USSD.

Does *7111# require internet?

No. It works through the mobile network without data or Wi-Fi.

Does the code work on every phone?

Yes. It can work on smartphones and basic mobile phones.

Can I use it outside Nigeria?

Yes, if your registered number has an active roaming service and can access USSD.

Why is *7111# not working?

Possible causes include an unregistered number, insufficient airtime, poor network coverage, wrong SIM selection, a timed-out session, an incorrect PIN, an ineligible account, or a temporary service outage.

What happens after three wrong PIN attempts?

Keystone Bank states that the USSD service can lock after three incorrect PIN entries. Use the reset process or contact the bank.

Can a corporate account use *7111#?

The personal USSD service is generally for individual accounts. Corporate, joint, and multiple-signatory accounts may not be eligible.

Start Using Keystone Bank *7111#

Dial *7111# from the phone number registered with your Keystone Bank account to register or access the USSD menu.

Once activated, you can transfer money, buy airtime and data, check your balance, retrieve your BVN, pay bills, activate a debit card, generate a cardless withdrawal, and manage selected banking services without internet access.

Keep your transaction PIN private, verify every recipient before transferring money, and dial *7111*911# immediately from any available phone when your account may be at risk.

You can read:

• Unity Bank USSD Code for Transfers, Airtime and Balance
• Sterling Bank USSD Code for Transfers and More
• Fidelity Bank Transfer Code to Send Money
• GTB USSD Code (*737#): Transfer, Balance & More