Heritage bank -How to Transfer Money, buy airtime & data and pay Bills as well Register for PIN

Last Updated on December 7, 2023 by admin

This article will explain steps and process to transfer money, buy airtime and pay bills using Heritage bank  new 745 Ussd code  service….  Before we can dive further you need to activate Heritage Bank Nigeria USSD transfer code that will give you give a hustle free banking experience and bring baking services close.

The service is second to None, the mobile ussd Banking space such as funds transfer, Bill payment,check account balance and fund your betting wallet (Bet9ja) and your Gotv/DSTV wallet.

Technology  Innovation adopt by Heritage bank is shaping how businesses operate in modern  world, ranging from Mobile app, online banking and USSD (Unstructured Supplementary Service Data)

The bank Innovative design has given room to seamless, secure and fast ways of delivering service to customers. Heritage bank is not left out . Their  mobile banking ,internet banking is gear towards  delivering of service to their  numerous customers in Nigeria.

The financial Institution happen to be the pioneers of USSD banking in Nigeria, They understand that more than ever before, banking is about ease and convenience, and with the ongoing lockdown in the country, There customers need to be able to access their money whenever and wherever they want.

We are going to discuss how to register for heritage bank ussd code, Mobile app and online banking buy airtime transfer money.


To activate or register for Heritage bank ussd code, you need the following items or information at handy.

1. Heritage bank account number.
2. Debit cards, MasterCard number.
3. Mobile phone with a valid sim card.

There are lots of privileges you will enjoy when you activate Heritage bank USSD code on your phone. If you are seeking to activate the heritage bank transfer code of your phone in Nigeria, this guide has all the step-by-step processes for you to activate it. Before we can proceed, let see what you need to activate the service.



Follow the steps below to activate the Heritage Bank USSD code on your phone in Nigeria:

1⦁ Dial *745*account number*Last six(6) of your card#.

2⦁ Reply with one(1) on the next screen to continue the activation.

3⦁ Choose your card type.

4⦁ Enter the expiry date of your card. You can see it ac the back of your card.

5⦁ Choose the account number you want to use for all transactions.

6⦁ Set up a four(4) digits PIN.

7⦁ Confirm your account number and PIN.

8⦁ Now click on send to complete the activation process.

Also Read: Heritage bank USSD code: How to check Account Balance, transfer Money and Buy Airtime /Recharge card


You can register for Heritage bank USSD PIN with debit card and without Debit card as well.

Registration Process  for Heritage bank ussd Pin

With Debit Card: simply dial *745*Account number*Last6DigitOfCard#

Without Card:simply dial *745*Account Number#


You may also like: How to apply for Heritage Bank salary advance/payday loan and auto loan

How to buy Airtime from Heritage BANK

1. ussd


1.Buy Airtime for Self

Heritage bank customers can buy Airtime for self by dialing *745*Amount#
Example: *745*500t# to buy 500 naira Airtime for yourself.


2. Buy Airtime for Friends and Family Members

You can buy or transfer airtime from Heritage Bank Nigeria to your phone and for another person using Heritage Bank Nigeria USSD code.

If you want to transfer airtime for your phone from Heritage Bank, dial *745*amount$#.
Example *745*100#.

Let Asumme you want to transfer airtime from Heritage Bank to another phone number, dial *745*amount*mobile phone number#.

Example:*745*500*09055553135# to Buy 500 Naira Airtime for  Friends or family members


2, Heritage Mobile App

Alternatively, you can use the Heritage Mobile Banking App to buy airtime by following these steps:

1. Download and install the Heritage Mobile Banking App from your app store.
2. Launch the app and log in with your Heritage Bank account credentials (username and password).
3. On the home screen, find and tap on the Buy Airtime or Recharge option.
4. Select your mobile network provider (e.g., MTN, Airtel, Glo, 9mobile).
5. Enter your mobile number and the amount of airtime you want to purchase.
6. Confirm the details and authorize the transaction by entering your transaction PIN or using any other authentication method required by the app.
7. Once the transaction is successful, you will receive a confirmation message with the details of the airtime recharge.


How to transfer money via Heritage bank Ussd code

Funds Transfer (Intra)

1.To transfer money to another heritage bank account simply dial *745*1*Amount*Account Number#

3.Click send bottom
4. Input your authorization PIN you create earlier during registration

by this you have successfully send N20,000 to the recipient


Funds Transfer (InterBank)

To send cash from heritage bank to another bank account that is not heritage bank, UBA,UNION Bank, Polaris Bank, Acess Bank Gtbank and others simply dial the following code

*745*2*Amount*Account Number#

Example: *745*2*20000*1002345678# you have successfully transfer N200,000 the recipient

Please Note: USSD code must be done from Registered Phone number with Heritage Bank

Depositors can also make use Heritage Bank Mobile App to transfer money, pay for bills, like Gotv, Dstv, buy Airtime and check account balance.


Heritage bank Mobile Application

Are you Heritage bank account holder and you are searching for easy way to bank right from your comfort zone with Mobile app solutions that fit your bank right into all your plans on-the-go.

The bank has two HB Padie and HB Mobile,build to carry out transaction from any location from your smart phone. you can enjoy even more fantastic features such as making transfers and managing regular payments on the go.

How to Register For Heritage Banking Mobile App

Before you can make  use of Heritage bank mobile app,  you need to have bank account either current or saving depend on your choice and purpose of banking.Then download the app For Android, iOS, Blackberry

. Once done downloading the app, click on “New User” beside the sign in button.
. Enter the required details including your phone number, account number, password and sign up.
. Activating your account. Login by entering your password at home page.

What transaction can carry out with Heritage Bank Mobile  app

The following financial transaction can carry out with heritage bank mobile application:

1. Inter and Intra Bank Transfer
2. Airtime Top up
3. Bills Payment
4. 24 hour banking services
5. ATM Cardless Transactions
6. View real time account balances
7. Request Cheque Books
8. Stop Cheques
9. Fund Transfer ( intra/Interbank)
10. Bill payment e.g. DSTV ,PHCN, Swift
11. Airtime purchase and many more service

How to register for Heritage Bank Internet Banking and Mobile app

However, for Heritage online banking registration process you can find out in my previous content here: How to register for Heritage Bank Internet Banking and Mobile app

Meet Ogbeide Frank, popularly known as perere, a blogger who loves writing about finance and Tech. He studied Business administration at the Ambrose Alli University Ekpoma and Mobile Communication at Orange College Malaysia .Frank have worked as a banker and consultant in variety of Nigeria agencies

For Advertisement, Content marketing andsponsored post: contact : kokobest04@gmail.com
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About admin

Ogbeide Frank loves writing and research about finance and Tech. He studied Business administration at the Ambrose Alli University Ekpoma and Mobile Communication at Orange College Malaysia .Frank have worked as a banker and consultant in variety of Nigeria agencies For Advertisement, Content marketing and sponsored post: contact : kokobest04@gmail.com
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