The Wema Bank USSD code is *945#, a powerful tool that brings banking to your mobile phone instantly and securely. With this code you can send money, recharge airtime or data, pay utility bills (electricity, cable TV, etc.), and manage your account – all without internet or a bank visit. This guide covers everything Nigerian customers need: how to activate *945#, the full list of service codes (with tables by category), step-by-step examples, troubleshooting tips, and FAQs. We’ll also highlight why USSD banking is fast, free (no data), and works on any phone/network. For more on related services, check out our Airtime Recharge and Banks pages.
Table of Contents
What is the Wema Bank USSD Code?
USSD (Unstructured Supplementary Service Data) banking is a simple method for accessing bank services via short codes on your phone’s dialer – no data or app needed. Wema Bank USSD code is *945#. Dialing *945# on the mobile number linked to your Wema account opens a menu of options. From there you can transfer funds, check your balance, buy airtime/data, pay cable TV or electricity bills, request loans, and more. In fact, even ALAT by Wema (the bank’s digital-only platform) uses the same *945# USSD code for all its services. The only requirements are: you must be a Wema Bank customer with a registered phone number, and you should activate the USSD service first.
Tip: USSD works on all Nigerian networks (MTN, Glo, Airtel, 9mobile) and on any phone (smartphone or basic). It runs 24/7, even on weekends and holidays, so you can bank anytime, anywhere.
How to Activate Your Wema Bank USSD Code (*945#)
Before using *945#, you must register and set up a 4-digit PIN. Here’s how to activate USSD banking on your Wema account:
- Dial the activation code: On the phone number linked to your Wema account, dial
*945*5#. - Follow the prompts: You will be asked to enter your account number, date of birth (DDMMYYYY), and then choose a new 4-digit PIN. Confirm the PIN when prompted.
- Complete registration: After confirming, you should see a success message. Your USSD code *945# is now activated.
Once activated, you can simply dial *945# anytime to access the main menu and perform transactions. There is no default PIN; you set the PIN during registration. Make sure your chosen PIN is secure (avoid obvious numbers like birthdays) and that you keep your phone safe. If you forget your PIN, you can reset it later (see Troubleshooting).
Note: This service is only available to Wema Bank account holders. If your Wema account is new or inactive, you may need to visit a branch or use *945*1# to open an account directly from your phone.
Step-by-Step: Using *945# for Transactions
Once *945# is active, you’ll use it to carry out different transactions. Each service has its own short code or menu option. Below we explain the most common actions with examples.
Transferring Money to Any Account
To transfer funds using USSD, dial:
*945*AccountNumber*Amount#- Same-bank transfer: Simply enter the Wema account number and the amount.
- Other banks: Use the same format; Wema uses the NIP (NIBSS Instant Payment) system to send money to any Nigerian bank.
Example: To send ₦5,000 to a Wema Bank account 0123456789, dial:
*945*0123456789*5000#You will then enter your PIN to authorize the transfer. The funds (and any transfer fee) will be debited immediately, and you’ll get a confirmation text.
Quick Transfers: Wema also offers a “Send money to phone” shortcut for sending to a saved mobile contact. Dial:
*945*6*Amount#This will credit an account linked to the phone number in your contacts. It’s a handy way to pay friends by phone.
Buying Airtime and Data Bundles
Recharge your phone or another line easily with Wema Bank USSD code:
- Airtime for yourself: Dial
*945*Amount#. - Airtime for others: Dial
*945*PhoneNumber*Amount#.
Example: To recharge ₦500 to your own line, dial *945*500#. To recharge ₦1,000 to 08012345678, dial:
*945*08012345678*1000#You’ll get a PIN prompt and then a confirmation.
Wema Bank’s USSD code also supports buying data bundles. Dial *945*9# to access the data purchase menu. Follow the on-screen options to select your data plan and confirm with your PIN. For example, dialing *945*9# might list MTN, Airtel, Glo, etc., and then prompt for the plan amount. This all happens in a few steps.
Learn More: Check our Airtime Recharge page for detailed tips on topping up with USSD.
Checking Your Account Balance
Want to know how much is in your account? Simply dial:
*945*0#This will immediately prompt you for your PIN and then display your current balance on screen and via SMS. It’s the quickest way to check your funds without logging in online.
Additional Account Services
Wema Bank USSD code service has many more useful functions. The table below lists key USSD codes for account management and other banking tasks:
| Service | USSD Code | Notes |
|---|---|---|
| Balance Enquiry | *945*0# | Check current balance |
| Change PIN | *945*00# | Change your 4-digit PIN |
| Retrieve Account Number | *945*000# | Displays your account no. |
| Change Account Number | *945*2*OldAcct*NewAcct# | Update primary account |
| BVN Management | *945*4# | Link or update your BVN |
| Account Reactivation | *945*5# | Reactivate a dormant account |
| Account Restriction | *945*911# | Temporarily restrict (freeze) account |
| Registration/Profiling | *945*01# | (Re)register USSD service |
| Open New Account (USSD) | *945*1# | Open a new Wema account instantly |
(Codes marked above come from Wema Bank’s official USSD menu.)
Related: Best Stablecoin for Remittances to Nigeria (2026)
Cable TV Subscriptions
You can pay for cable TV services through USSD. Dial *945# and choose “Cable TV” or use these shortcuts:
| Cable TV Service | USSD Code |
|---|---|
| Cable TV Menu | *945*10# (lists options) |
| DSTV Subscription | *945*11# or *945*11*SmartCard# |
| GOtv Subscription | *945*12# or *945*12*SmartCard# |
| StarTimes Subscription | *945*13# or *945*13*SmartCard# |
For example, to pay DSTV, you can dial *945*11*1234567890*Amount# (where 1234567890 is your DSTV smartcard number and Amount is the payment). Alternatively, dialing *945*11# first will show a menu to pick the bouquet. After you enter your PIN, the subscription fee is deducted and you’ll get a confirmation. This way, you never have to queue or use scratch cards for your TV subscriptions.
Electricity and Other Utility Bills
Wema Bank USSD code menu supports electricity bill payments for major power distributors via quick codes. You can dial *945*24# to access the electricity payment menu. From there, you select your provider or region. Alternatively, use these direct codes with your prepaid meter number and amount:
| Electricity Service (Prepaid) | USSD Code (MeterNo * Amount) |
|---|---|
| General Electricity Payment | *945*24# (opens options) |
| Lagos (Eko Electricity) | *945*25*<MeterNo>*<Amount># |
| Ikeja Electric | *945*26*<MeterNo>*<Amount># |
| Ibadan Electric | *945*27*<MeterNo>*<Amount># |
| Abuja (AEDC) | *945*28*<MeterNo>*<Amount># |
| Enugu (EEDC) | *945*29*<MeterNo>*<Amount># |
| Jos Electric | *945*30*<MeterNo>*<Amount># |
| Kaduna Electric | *945*31*<MeterNo>*<Amount># |
| Kano Electric | *945*32*<MeterNo>*<Amount># |
| Port Harcourt (PHED) | *945*33*<MeterNo>*<Amount># |
(Replace <MeterNo> with your prepaid meter number and <Amount> with the amount to pay.)
Example: To recharge ₦2,000 on an Ikeja Electric prepaid meter number 1234567890, dial:
*945*26*1234567890*2000#You’ll confirm with your PIN, and both Wema Bank and the electricity provider will send you notifications once the payment is successful.
Related: Master All MTN USSD Codes: Balance, Borrowing, and Data in 2025
Other Services (Loans, Internet, etc.)
Beyond basics, *945# offers these useful shortcuts:
- Quick Loans: Dial
*945*65#to access Wema’s quick loan offers. - Salary Advance Loan: Also under
*945*65#(often same code as quick loan). - Lagos State Bills: Pay taxes/levies (
*945*40#). - Mobile/Data Services:
*945*15#for Internet service menu, or*945*9#for data. - Subscription Services:
*945*16#for Smile Data,*945*18#for Spectranet (billing reference). - Mcash and CoralPay: Merchant payments via
*945*57#and*945*58#for specific merchants.
Each of these can be accessed by dialing *945# and selecting the appropriate menu, or by using the direct code shown. For example, dialing *945*65# brings up loan options; you simply select an offer and confirm your PIN.
Internal Links: Want more on loans? See our loan services page. For a full list of codes from all Nigerian banks, check our Banks directory.
Troubleshooting Common USSD Issues
Sometimes *945# might not work as expected. Here are common problems and fixes:
- No Network Signal: USSD requires a strong mobile network. If you’re in a poor coverage area, move to a place with better signal.
- Inactive Account: Ensure your Wema account is active and not dormant or restricted. You can reactivate by dialing
*945*5#and following prompts. - Wrong Phone Number: Always dial *945# from the mobile number registered with Wema. Using a different number won’t work.
- Service Outage/Maintenance: Banks sometimes perform system upgrades. If *945# fails repeatedly, wait a bit or try later.
- Insufficient Funds: If a transfer or payment isn’t going through, check your balance – maybe you don’t have enough to cover the amount plus fees.
- Forgotten PIN: If you forget your USSD PIN, you can reset it by dialing
*945*00#(Change PIN) and following the prompts to set a new one.
If issues persist, contact Wema Bank support at +234-803-900-3700 or visit a branch.
Benefits of Using Wema USSD Banking
- Works on Any Phone: USSD runs on all mobile phones (no smartphone needed).
- No Internet Needed: All transactions go through your mobile network, so there’s no data cost.
- 24/7 Availability: The *945# service is online day and night, even holidays.
- Speed and Convenience: Simple dialling and PIN entry replace filling forms or logging apps. You can complete a transfer or top-up in seconds.
- Wide Coverage: Pay many bills and buy multiple services (banking, airtime, TV, electricity, etc.) all from one code.
In Nigeria’s cashless, mobile-driven economy, USSD codes like *945# are invaluable. They make banking accessible even to those without smartphones or data plans.
FAQs: Wema Bank USSD Code
How do I check my Wema balance?
Dial *945*0# and enter your PIN. You’ll instantly receive your balance on-screen and via SMS.
How do I register for Wema USSD banking?
Dial *945*5# and follow the instructions (enter account number, DOB, set PIN). You can also dial *945*01# to register or profile your USSD service.
What is the default USSD PIN?
Wema does not have a preset PIN. You must create your own PIN during registration (see above).
Is *945# free?
Yes, Wema Bank does not charge for using *945# itself (standard USSD session charges by your network may apply, but typically many banks absorb this).
Do I need an ATM to use 945#?
No. As long as your phone number is linked to your account, you can register and use USSD without ever using an ATM.
Can I use 945# on any mobile network?
Yes. *945# works on MTN, Glo, Airtel, and 9mobile.
Can I transfer to non-Wema accounts?
Definitely. From the *945# menu, choose “Transfer Money” > “To Other Banks”, then follow prompts. For apps like Opay (Paga), simply select the bank named (you may type the first letters if not listed).
Why isn’t 945# working now?
Check network signal, verify your account is active, ensure you have sufficient balance, and that you’re using the linked phone number.
Conclusion
The *Wema Bank USSD Code (945#) is a fast, secure way to do banking on your phone. In just a few taps, you can transfer money, buy airtime, pay for cable TV or electricity, request loans, and manage your account – all without data or a smartphone. This 2026 guide has detailed all the important codes and steps you need to know, along with examples and troubleshooting tips.
Ready to simplify your payments even more? Consider exploring Centry’s bill payment services. With Centry, you can pay all your utility bills (electricity, cable TV, internet, etc.) in one place with no hassle. Check out Centry’s bill payment services for a seamless way to manage and pay all your bills online.
Stay connected, safe, and in control of your finances – all at the dial of *945#!