Wema USSD Code (*945#): Register, Transfer & More

You must normally dial the code from the phone number registered with your Wema Bank account. New users can activate the service by dialling *945*01#, entering their account number and date of birth, and creating a four-digit transaction PIN.

Wema USSD Code List

The table below contains the important Wema Bank USSD codes and what each one does.

Codes, menus, limits and charges can change. Read the instructions displayed on your phone before entering your transaction PIN. Wema Bank maintains a current overview on its official *945# banking page.

What Is the Wema Bank USSD Code?

Wema Bank’s general USSD banking code is *945#. It works through the mobile network instead of the internet, so you do not need a smartphone, Wi-Fi or mobile data.

The service can be used on MTN, Airtel, Glo and 9mobile. A stable cellular signal is still required, and the request should be sent through the SIM linked to your Wema Bank account.

When you dial *945#, the bank presents a menu containing the services currently available to your account. Direct short codes take you to a particular service without navigating the full menu.

For example:

• *945*0# opens the balance-enquiry service.
• *945*01# starts USSD registration.
• *945*1000# purchases ₦1,000 airtime for your registered number.

The direct commands are faster, but dialling *945# is useful when you cannot remember a particular code or want to see the latest options.

Requirements for Using Wema USSD Banking

Before registering, make sure that:

• You have a Wema Bank account or are ready to open one.
• The SIM in your phone is the number registered with the bank.
• The phone can make USSD requests.
• The line has a working mobile-network signal.
• You know the date of birth attached to your bank record.
• You can create a secure four-digit transaction PIN.
• You have enough airtime for any USSD access fee charged by your mobile network.

The service works on a basic phone as well as an Android phone or iPhone. It is available outside normal banking hours, although a transaction can still be delayed by maintenance or a temporary network problem.

How to Register the Wema USSD Code

Use the phone number registered with your Wema Bank account and follow these steps:

1. Dial *945*01#.
2. Enter your Wema Bank account number.
3. Enter your date of birth in the DD-MM-YYYY format.
4. Create a four-digit USSD transaction PIN.
5. Enter the PIN again to confirm it.
6. Wait for the registration confirmation.

For example, someone born on 7 April 1995 would enter the date as 07-04-1995, not 04-07-1995.

Do not use an obvious PIN such as 1234, 0000, your birth year or the last four digits of your phone number. The PIN authorises transactions from your account and must be known only to you.

If the registration fails because the date of birth or phone number does not match the bank’s record, contact Wema Bank or visit a branch to update the affected information. Repeatedly entering different details will not correct an inaccurate customer record.

How to Transfer Money with the Wema USSD Code

The Wema Bank transfer code is:

*945*AccountNumber*Amount#

To send money:

1. Dial *945*AccountNumber*Amount# from your registered phone number.
2. Select the beneficiary’s bank if the service requests it.
3. Check the beneficiary’s name carefully.
4. Review the amount and applicable charge.
5. Enter your four-digit Wema USSD PIN.
6. Wait for a successful transaction message and save the reference.

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

*945*0123456789*10000#

Enter the amount without a naira sign or comma. Use 10000, not ₦10,000.

The same format starts transfers to Wema Bank and other Nigerian bank accounts. The service may ask you to select the recipient’s bank before displaying the account name.

Never approve a transfer until the correct beneficiary name appears. If the displayed name is wrong or the name cannot be resolved, cancel the transaction and check the account number. Sending money to a valid but unintended account can make recovery difficult.

Readers who use more than one bank may also find the Zenith Bank USSD code guide and UBA USSD code guide useful.

Wema USSD Transfer Limit

Wema Bank’s support material lists a maximum cumulative USSD transfer amount of ₦500,000. However, the amount available to a particular customer can depend on the account type, verification level, risk controls and any limit the bank currently applies.

Do not assume that every Wema account can send ₦500,000 immediately. The live limit enforced during the transaction is the one that applies to your account. Use ALAT, Wema Online, a branch or another approved banking channel when a payment exceeds your available USSD limit.

Wema USSD Charges

The cost of a Wema USSD transaction can include a bank transaction charge and a separate mobile-network USSD access fee. Transfer charges can also depend on the amount and whether the recipient uses Wema Bank or another bank.

Wema Bank does not publish one fixed charge that safely covers every *945# service and transfer amount. Check the transaction summary shown before entering your PIN. That screen provides the most relevant charge for the transaction you are about to approve.

If a session ends before the transaction summary appears, start again instead of guessing the cost. Do not keep retrying after your account has been debited.

How to Check a Wema Bank Account Balance

Dial:

*945*0#

Follow the prompt and enter your USSD PIN when requested. Your available balance should appear on the screen or arrive by SMS.

Make sure the request is sent from the registered SIM, especially on a dual-SIM phone. Your bank or mobile network may charge for the enquiry.

How to Buy Airtime from a Wema Account

Airtime for your registered number

Dial:

*945*Amount#

For example, dial *945*1000# to purchase ₦1,000 airtime for the phone number connected to your Wema account.

Airtime for another number

Dial:

*945*PhoneNumber*Amount#

For example:

*945*08123456789*1000#

Confirm the phone number, network and amount before entering your PIN. Airtime delivered to a valid but incorrect number is usually difficult to reverse.

How to Buy Data with the Wema USSD Code

Dial:

*945*9#

Select the data option, choose whether the bundle is for your number or another number, select the network and bundle, and confirm with your PIN.

The available plans can change with the mobile network. Follow the current menu instead of relying on an old list of bundle numbers or prices.

The *945*9# menu also includes airtime services. You can use it when you prefer a guided menu rather than a direct code.

How to Open a Wema Bank Account with USSD

Dial:

*945*1#

Follow the prompts and provide the personal information requested. Check every entry before submitting it.

An account opened remotely may have restrictions until the required identity and Know Your Customer verification has been completed. The bank can ask for a BVN, NIN or additional documents before increasing the account’s limits or enabling every service.

How to Manage BVN with the Wema Code

Dial:

*945*4#

Follow the options shown for the available BVN service. The menu may allow eligible customers to manage the relationship between their BVN and Wema account.

If the BVN details do not match your bank record, visit a Wema Bank branch with a valid means of identification. Do not send your BVN, PIN, OTP or debit-card details to an unverified social-media account claiming to be customer support.

How to Reactivate a Wema Bank Account

Dial:

*945*5#

You can also dial *945# and select Account Reactivation from the menu. Choose the affected account and follow the displayed instructions.

USSD reactivation may not resolve every dormant or restricted account. A branch visit can still be required if the bank needs updated identification, a signature, proof of address or another document.

How to Change Your Wema USSD PIN

Dial:

*945*00#

Then:

1. Enter your current USSD PIN.
2. Enter a new four-digit PIN.
3. Enter the new PIN again to confirm it.
4. Wait for a successful change notification.

Changing the PIN is useful if someone may have seen it or you used an easily guessed combination. If you have forgotten the current PIN or entered it incorrectly until access was blocked, contact Wema Bank for a secure reset.

Wema Bank will not ask you to reveal the PIN to complete a reset over a phone call, WhatsApp chat or social-media message.

How to Change the Primary Wema Account for USSD

Customers with more than one Wema account linked to the same phone number can use:

*945*2*OldAccountNumber*NewAccountNumber#

Replace OldAccountNumber with the account currently used as the primary USSD account and NewAccountNumber with the account you want to make primary.

Read the confirmation carefully. If the command fails, use the main *945# menu or contact the bank because account eligibility and linkage can affect the change.

How to Pay Bills with Wema USSD

Dial *945# and select the bill-payment option. Wema’s USSD platform supports services such as:

• Electricity payments
• Cable television subscriptions
• Internet-service payments
• Other participating billers

Select the correct biller, enter the customer or meter reference and review the account name or service details before paying.

Some billers have direct Wema codes, but these can be easier to enter incorrectly and may change when the bank updates its menu. The main *945# menu is the safer starting point when you do not already know a current direct code.

Keep the payment reference until the token, subscription or service value has been delivered. For a prepaid electricity payment, copy the token to a safe place before closing the message.

How to Borrow Money from Wema Bank with USSD

The Wema personal loan code is:

*945*65#

Dial the code and follow the instructions to see whether your account has an eligible offer. Approval is not automatic. The available amount, interest, fees, repayment period and eligibility depend on the bank’s assessment and the offer attached to your profile.

Read the total repayment amount and repayment date before accepting a loan. Do not borrow based only on the cash amount displayed at the start of the process.

How to Block a Wema Account with USSD

Wema Bank’s more recent banking-safety information tells customers to dial:

*945*911#

Use the registered phone number, follow the prompt and then contact the bank or visit a branch for further assistance.

An older Wema support page still lists *945*991# as an account-restriction code. Because both codes remain visible in Wema’s published support material, I recommend trying the newer *945*911# instruction first and following the live menu displayed on your phone.

If the phone or registered SIM has been stolen and you cannot use the code, call Wema Bank immediately through a verified number. Wema’s official banking-safety page currently lists 08039003700, 070022552528 and WhatsApp 09044411010.

Blocking an account is different from blocking only a debit card. If the card is missing but the phone is secure, read how to block an ATM card using USSD for the appropriate options.

Why the Wema USSD Code Is Not Working

You are using an unregistered phone number

Regular transactions must be initiated from the number linked to the Wema account. On a dual-SIM phone, select the correct SIM before placing the USSD request.

USSD banking has not been activated

Dial *945*01# and complete registration before using a transactional direct code.

Your bank record does not match

Registration can fail if the date of birth, phone number or account information supplied does not match Wema Bank’s record. Ask the bank to correct the record.

The USSD format is wrong

Check the order of the account number, phone number and amount. Do not include spaces, commas or a naira sign.

The mobile signal is weak

USSD does not need internet, but it does need a working cellular connection. Move to an area with a better signal or try again later.

The session timed out

USSD sessions close after a short period. Have the necessary details ready and respond to each prompt promptly.

The service is temporarily unavailable

Maintenance or a problem at Wema Bank or the mobile network can interrupt the service. Wait briefly and retry once. If the issue continues, use ALAT, online banking, an ATM or customer care.

The account or PIN has been restricted

Several wrong PIN entries, an inactive account or a security restriction can prevent transactions. Do not keep guessing the PIN. Contact the bank for the appropriate recovery process.

What to Do If a Wema USSD Transaction Fails but You Are Debited

First, check your balance and transaction history to confirm whether the debit was completed. Also ask the intended recipient to check the correct account rather than relying only on an alert.

If the money was deducted but the beneficiary did not receive it:

1. Do not repeat the payment immediately.
2. Save the debit alert, amount, date, time and transaction reference.
3. Allow time for an automatic reversal.
4. Contact Wema Bank through a verified support channel if the reversal does not arrive.
5. Request a complaint or tracking reference and keep it until the matter is resolved.

Never post your full account number, card number, PIN or OTP under a public social-media complaint.

Safety Tips for Wema USSD Banking

• Keep your USSD transaction PIN private.
• Confirm the beneficiary’s name before sending money.
• Check phone numbers before purchasing airtime or data.
• Review the amount and charges before approving a transaction.
• Never disclose an OTP, PIN, password, CVV or complete card details to a caller.
• Lock your phone and SIM with secure PINs.
• Do not approve a prompt you did not initiate.
• End the USSD session before handing your phone to another person.
• Use only Wema Bank’s verified website, branch and customer-care contacts.
• Block a compromised account immediately.

You can compare the security and registration process with the Fidelity Bank USSD code guide, but remember that each bank uses its own code and PIN.

Frequently Asked Questions

What is the USSD code for Wema Bank?

The Wema Bank USSD code is *945#. Dial it from the mobile number registered with your Wema account to open the banking menu.

How do I activate the Wema USSD code?

Dial *945*01#, enter your account number and date of birth in DD-MM-YYYY format, then create and confirm a four-digit transaction PIN.

What is the Wema Bank transfer code?

Dial *945*AccountNumber*Amount#. Select the recipient’s bank if asked, verify the displayed account name and complete the transfer with your PIN.

What is the Wema Bank balance code?

Dial *945*0# and follow the prompt to check your account balance.

What is the Wema Bank airtime code?

Dial *945*Amount# to buy airtime for your registered number. Dial *945*PhoneNumber*Amount# to recharge another number.

What is the Wema data code?

Dial *945*9#, select the data option and follow the menu to choose a network and bundle.

Can I use the Wema code without internet?

Yes. Wema USSD banking does not require Wi-Fi or mobile data. It requires a working cellular signal.

Does the Wema USSD code work on every network?

Wema Bank says the service works on MTN, Airtel, Glo and 9mobile. Use the line registered with your bank account.

Can I transfer money to another bank with *945#?

Yes. Dial *945*AccountNumber*Amount#, select the beneficiary’s bank when prompted and confirm the resolved account name before entering your PIN.

What is the Wema USSD transfer limit?

Wema’s support material lists a maximum cumulative USSD transfer amount of ₦500,000. Your actual limit may be lower because of your account type, verification level or security settings.

How do I change my Wema USSD PIN?

Dial *945*00#, enter the current PIN, choose a new four-digit PIN and confirm it.

How do I block my Wema account?

Wema Bank’s recent security information directs customers to dial *945*911# from the registered number. An older support entry lists *945*991#, so use the newer code first, follow the current prompt and contact Wema Bank immediately.

Can I open a Wema account with USSD?

Yes. Dial *945*1# and follow the account-opening instructions. Additional identity verification may be required before full limits and services become available.

The essential codes to remember are *945# for the main menu, *945*01# for registration, *945*AccountNumber*Amount# for transfers and *945*911# when an account may have been compromised. Always use the registered phone number, check the details displayed and enter your PIN only after confirming the transaction.