Last Updated on January 30, 2026 by admin

In today’s fast-paced world, banking has moved beyond physical branches. Ecobank, one of Africa’s leading financial institutions, offers customers a convenient way to carry out banking transactions using a USSD code. This service allows users to transfer money, check balances, buy airtime, and pay bills directly from their mobile phones—without internet access.

The service offers a simple way to access banking services directly from your mobile device. No more waiting in queue at the bank— with Ecobank USSD, you can complete transactions with just a few taps on your phone.

This article will guide you through the steps to register for Ecobank’s USSD service, detailing the requirements and benefits involved.

Read: How to register for Access bank internet banking and mobile App

Read; How to block first bank ATM card and Account

Table of Contents

Benefits of Using Ecobank USSD Banking

No internet required – works on basic and smart phones
Fast and convenient – transactions take just a few seconds
Available 24/7 – bank anytime, even at night
Secure – protected by a personal USSD PIN
Accessible – ideal for users in areas with limited internet access

What are requirements to register for ecobank ussd

To register for the Ecobank USSD code (*326#), you’ll need:

1- An existing account with Ecobank.

2.- A registered phone number linked to your Ecobank account.

3.- An Ecobank debit card (optional): Although it’s not required, having your Ecobank debit card can make the registration process easier.

How to activate and create Eco bank ussd

Good news! There’s no need for a separate activation process for Ecobank’s USSD code. If you have an Ecobank account and your phone number is registered, you can start using it immediately.

To get started for the first time:

1. Dial *326# on your mobile phone (this works on both smartphones and feature phones).

2. You will be asked to set up a 4-digit PIN. This PIN will be required for all your future USSD transactions, so choose something memorable but not easily guessed.

3. Enter your PIN again to verify it. You’re all set! You can now use the *326# service to carry out various banking transactions.

How to block first bank ATM card and Account

How to transfer money with Eco bank ussd

Transferring money with Ecobank’s USSD code (*326#) is quick and easy. Here’s a step-by-step guide:

Transferring to an Ecobank Account:

Dial *326# from your registered mobile number.
Enter your 4-digit PIN.
Select ‘Transfer Money’.
Choose ‘Ecobank Account’.
Enter the recipient’s 10-digit Ecobank account number.
Enter the amount you want to transfer.
Confirm the transaction details.
Enter your PIN to authorize the transfer.

Transferring to Other Banks:

Dial *326# from your registered mobile number.
Enter your 4-digit PIN.
Select ‘Transfer Money’.
Choose ‘Other Banks’.
Select the recipient’s bank from the list.
Enter the recipient’s account number.
Enter the amount you want to transfer.
Confirm the transaction details.
Enter your PIN to authorize the transfer.

Ways to Transfer Money with Ecobank

There are other ways to transfer money apart from using ussd code are

Ecobank Mobile App

Download: Available on Google Play Store and Apple App Store.
Steps:
- Log in with your Ecobank account details.
- Select Transfers.
- Choose Ecobank account, Other banks, or International transfer.
- Enter recipient details and amount.
- Confirm with PIN or biometric authentication.
Best for: Quick transfers within Nigeria or across Ecobank’s 33 African countries.

Internet Banking

Access: Ecobank Online Banking.
Steps:
- Log in with your credentials.
- Go to Payments & Transfers.
- Choose transfer type (local or international).
- Enter details and confirm.
Best for: Larger transfers, bill payments, and international transactions.

Rapidtransfer Service

Unique Ecobank feature: Pan-African money transfer service.
Options:
- Rapidtransfer App – send money instantly across 33 African countries.
- In-branch Rapidtransfer – available at Ecobank branches and agents.
Best for: Sending money to family/friends in other African countries without needing an Ecobank account

Branch Transfer

Visit any Ecobank branch in Lagos.
Fill out a transfer form and provide recipient details.
Useful for those who prefer face-to-face banking or need assistance.

How to buy airtime with Eco bank ussd

Buying airtime with Ecobank USSD is incredibly convenient. Here’s how you can do it:

For Yourself:

Dial *326# from your registered mobile number.
Enter your 4-digit PIN.
Select ‘Airtime Top-up’.
Choose ‘Self’.
Enter the amount you want to recharge.
Confirm the transaction details.
Enter your PIN to authorize the purchase.

For Others:

*Dial *326# from your registered mobile number.
Enter your 4-digit PIN.
Select ‘Airtime Top-up’.
Choose ‘Others’.
Enter the recipient’s phone number.
Enter the amount you want to recharge.
Confirm the transaction details.
Enter your PIN to authorize the purchase.

Read: How to block Fidelity bank ATM Card and account

How to check ecobank account balance using ussd code

To check your account balance using the USSD code, just follow these steps:

Dial*326*0# from the phone number associated with your Ecobank account.
Input your 4-digit PIN.
Your account balance will be shown on your screen once you complete these steps.

How to pay bills with Eco bank Nigeria ussd

Paying bills with USSD code (*326#) is a convenient way to settle your utilities and other expenses without needing internet access. Here’s how:

1. Dial *326# from your registered phone number.

2. Enter your 4-digit PIN.

3. Select “Pay Bills.

4. Choose the type of bill you want to pay.

Utilities: Electricity (e.g., Eko Electricity Distribution Company, Ikeja Electric), water, etc.
Cable TV: DSTV, GOTV, Startimes, etc.
Internet Service Providers: Spectranet, Smile, Swift, etc.
Telecommunication: Airtel, MTN, Glo, 9mobile postpaid lines.
Other services: Depending on the available options, you might find options for school fees, insurance, or other payments.

5. Provide the required details. This will vary depending on the biller. You might need to enter:

Customer ID or Account Number: The unique identifier for your account with the biller.
Smartcard number or Phone number: For services like cable TV or telecommunication.
Amount: The amount you want to pay.

6. Confirm the transaction details. Double-check that all the information is correct.

7. Enter your PIN to authorize the payment.

Other methods to buy airtime from Ecobank

Ecobank Mobile App

- Log in to the Ecobank Mobile App.
- Tap Payments → Airtime & Data.
- Select your network (MTN, Glo, Airtel, 9mobile).
- Enter the phone number and amount.
- Confirm with your PIN or biometric login.

Internet Banking

- Log in at Ecobank Online Banking.
- Go to Payments → Airtime Recharge.
- Enter phone number, network, and amount.
- Confirm transaction.

Conclusion

In conclusion, signing up for the Ecobank USSD code service offers a convenient and secure method to manage your bank account directly from your mobile phone. By following the steps provided in this guide, you can quickly register for the service and begin reaping the rewards of mobile banking.

Make sure to keep your PIN confidential and never share it with anyone to safeguard your account against unauthorized access.

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I’m a content writer with an M.Sc. in Business Administration, combining analytical business knowledge with creative writing. My work focuses on producing content that not only informs but also supports strategic objectives, helping brands connect meaningfully with their audiences

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