List of Wema bank ussd for financial transaction

Wema Bank of Nigeria has introduced a revolutionary way for its customers to carry out financial transactions through the use of USSD codes. This service allows customers to access various banking services such as transferring funds, checking account balances, paying bills, and more, directly from their mobile phones.

This USSD service is convenient, secure, and available 24/7, making banking easier and more accessible for customers. ing the Wema Bank USSD for financial transactions is the convenience it offers.

They  no longer have to visit a physical branch or ATM to carry out basic banking tasks. Instead, they can simply dial *945# from their registered mobile number and access a wide range of banking services from the comfort of their homes or while on the go. This saves customers time and effort, making banking transactions quick and hassle-free

Read: How to transfer money from Wema Bank with easy

Features:

• Account Management
  • Check Account Balance
  • View Mini Statement
  • Block ATM Card
  • Change/Reset PIN
• Transfers
  • Transfer Money to other Wema Bank Accounts
  • Transfer Money to Other Banks
• Bill Payments:
  • Pay Electricity Bills
  • Pay Cable TV Bills
  • Other Bill Payments (e.g., school fees, airtime and data, etc.)
• Quick Loans:
  • Access and manage quick loan facilities
• Cardless Transactions:
  • Withdraw cash from ATMs without a card
  • Generate a code to withdraw at an agent location
• Other Services:
  • Open an Account
  • BVN Enquiry
  • Request Account Statement
  • Locate Wema Bank Branches/ATMs
  • Link your BVN

Benefits:

• Convenience:
  • No internet needed
  • 24/7 Availability
  • Easy to use with simple menu options
• Accessibility:
  • Works on any phone type
  • Available to all Wema Bank customers
• Security:
  • PIN protected transactions
  • Ability to block your card
• Cost-Effectiveness:
  • No data charges
  • Low or no fees for most transactions

Pay attention:How to check wema bank account balance

How to register for wema bank ussd

Here’s how to register for Wema Bank USSD banking using the *945# code:

For existing Wema Bank account holders

1. Dial  *945*01# from the mobile number linked to your Wema Bank account
2. Enter your Account Number
3. Enter your Date of Birth (in the format DD-MM-YYYY)
4. Create a 4-digit PIN
5. Confirm your PIN
6. You will receive a confirmation message indicating that your USSD banking service has been activated

For new customers (without a Wema Bank account)

• You can’t directly register for the USSD service without an account.
• First, you need to open an account, either through the ALAT app or by visiting a Wema Bank branch 
• Once your account is opened, you will be automatically registered for the USSD service.

List of Wema Bank Ussd

Schools and Exams Codes

How to open wema bank account

To open a Wema Bank account via USSD, follow these steps:

1. Dial *945*1# from your mobile phone. This will initiate the Wema Bank account opening process via USSD.

2. Provide Required Information:

   • You will be prompted to enter your Bank Verification Number (BVN).
   • If you don’t have a BVN, you will need to enroll for one at any bank branch before proceeding.
   • You’ll also be asked to provide some personal details like your full name Date of birth, NIN and other required information.
   • Make sure you enter all information correctly.

3. Create a PIN:

   • Follow the prompts to create a 4-digit PIN. This PIN will be used for your USSD banking transactions.
   • Choose a PIN that is secure but easy for you to remember.

4. Account Opening Confirmation:

   • Once you complete the process, you will receive a confirmation message with your new account number.

You can also read: How to register for Wema bank internet banking and ALAT by Wema

How to check wema bank account balance

To check your Wema Bank account balance using USSD, follow these simple steps:

1. Dial *945*0# from your registered phone number.  
2. Enter your 4-digit PIN when prompted.
3. Your account balance will be displayed on the screen.

Wema bank BVN Management

Wema Bank provides USSD codes to manage your BVN (Bank Verification Number) conveniently:  

1. To Link your BVN to your Account:

• Dial *945*BVN#
• Replace ‘BVN’ with your actual 11-digit BVN.

2. To Check your BVN:

• Dial *565*0#

3. For other BVN Management options:

• Dial *945*4#
• This will give you a menu with further options like updating your BVN or other BVN-related services

Read: How to register and activate Wema Bank USSD

How to block wema bank account and card

Here’s how to block your Wema Bank account and card:

To block your Wema Bank account:

• From your registered phone number: Dial *945*911# and follow the prompts to block your account.
• From another phone number: Dial *945*911*your registered phone number# and follow the prompts.

How to transfer money from wema bank

To transfer money from Wema Bank using USSD, you can follow these steps:

1. Intra-bank Transfer (Within Wema Bank):

• Dial *945*AccountNumber*Amount# from your registered phone number.
• Replace “AccountNumber” with the 10-digit Wema Bank account number you want to transfer to.
• Replace “Amount” with the numerical value you want to transfer (e.g., 5000 for ₦5,000). 

2. Inter-bank Transfer (To Other Banks):

• Dial *945*2*AccountNumber*Amount# from your registered phone number.
• Replace “AccountNumber” with the recipient’s account number in the other bank.
• Replace “Amount” with the numerical value you want to transfer.
• Follow the prompts to select the recipient’s bank from the list provided.

You may also like; List of sterling bank ussd code for transaction

How to change wema bank ussd PIN

To change your Wema Bank USSD PIN using USSD, follow these steps:

1. Dial *945*00# from your registered phone number. 
2. Enter your current USSD PIN.
3. Enter your new PIN.
4. Confirm your new PIN.

You will receive a confirmation message once the change is successful.

How to buy airtime from wema bank

To buy airtime from Wema Bank using USSD, you can follow these simple steps:

1. For recharging your own line:

• Dial *945*Amount# from your registered phone number.
• Replace “Amount” with the specific amount of airtime you want to purchase (e.g., *945*500# to buy ₦500 airtime) 

2. For recharging another person’s line:

• Dial *945*Recipient’s Phone Number*Amount# from your registered phone number
• Replace “Recipient’s Phone Number” with the 11-digit phone number you wish to recharge
• Replace “Amount” with the numerical value of the airtime you want to purchase.  
• For example, *945*08012345678*1000# to buy ₦1000 airtime for the number 08012345678 

After dialing the appropriate code:

• You will receive a prompt to confirm the transaction details.
• Enter your 4-digit Wema Bank USSD PIN to authorize the purchase.
• If the transaction is successful, the airtime will be credited instantly to the specified phone number.
• You might also receive an SMS confirmation of the transaction.

Read: List of Union bank ussd code for transaction

wema bank cardless withdrawal Transactions

Wema Bank offers cardless withdrawal transactions primarily through two channels:

1. mCash:

• This service allows you to withdraw cash from Wema Bank ATMs or designated agents without your debit card. You initiate the transaction by dialing *945*57# and *945*57*merchantcode*amount# 
• You’ll receive a one-time code that you can share with the recipient, along with a 4-digit PIN.
• The recipient can then use these details to withdraw the specified amount at an ATM or agent location.

2. CoralPay:

• This is another option for cardless withdrawals from Wema Bank ATMs.
• You initiate the transaction via USSD code by dialing *945*58# and *945*000*REFno#.
• You’ll receive a reference number that needs to be shared with the recipient.
• The recipient can then use this reference number at the ATM to complete the withdrawal.

How to pay bills from wema bank

To pay your bills from your Wema Bank account using USSD, follow these steps:

1. *Dial 945# from your registered mobile phone. 
2. Select “Pay Bills” from the main menu options.
3. Choose the Biller Category: You will be presented with a list of biller categories (e.g., Electricity, Cable TV, Internet, etc.). Select the relevant category for the bill you want to pay.
4. Choose the Specific Biller: A list of billers within the chosen category will appear. Select the exact biller you want to pay.
5. Enter Details: You’ll be asked to provide the required details for the bill payment, such as:
   • Customer ID or Account Number (this depends on the biller)
   • Amount to be paid
6. Confirm Payment: Carefully review the entered details to ensure they are correct.
7. Enter PIN: Enter your 4-digit Wema Bank USSD PIN to authorize the transaction.
8. Transaction Successful: You will receive a confirmation message on your screen once the bill payment is successful. You might also receive an SMS confirmation.

Example: To pay an electricity bill (Eko Disco) using USSD:

• Dial 94525Meter NumberAmount#
• Replace “Meter Number” with your actual meter number. 
• Replace “Amount” with the amount you want to pay.
• Follow the prompts to confirm and enter your PIN.

Wema bank cardless withdrawal

Wema Bank offers cardless withdrawals through its innovative mCash service, allowing you to withdraw money from ATMs or designated agent locations without your physical debit card.

How to Make a Cardless Withdrawal

There are two primary methods for initiating a cardless withdrawal:

• Dial 94557# from your registered phone number.
• Select the desired option:
  • 1. ATM Withdrawal: To withdraw from an ATM
  • 2. Agent Withdrawal: To withdraw from a Wema Bank agent
• Enter the amount you want to withdraw and create a 4-digit PIN.
• You’ll receive an SMS containing a Paycode and a one-time password (OTP).
• Share the Paycode and OTP with the person who will be making the withdrawal.

2. ALAT Mobile App

• Log in to the ALAT app.
• Click on the “Send” button on the dashboard.
• Select “Cardless withdrawal”.
• Adjust the + sign to the desired amount.
• Input your PIN and click on “Generate token”.
• You will receive an SMS with the Paycode and a one-time password (OTP).
• Share the Paycode and OTP with the person who will be making the withdrawal.

How the Recipient Withdraws the Cash

• At the ATM:

  • Select “Cardless Withdrawal” from the options.
  • Enter the Paycode and OTP received via SMS.
  • Input the withdrawal amount.
  • Collect your cash.

• At an Agent Location:

  • Provide the agent with the Paycode and OTP.
  • The agent will process the withdrawal and hand you the cash.

Conclusion:

In conclusion, the Wema Bank USSD service is a game-changer in the Nigerian banking industry, offering customers a convenient, secure, and accessible way to carry out financial transactions using their mobile phones.

By leveraging technology and innovation, Wema Bank has made banking easier and more inclusive for its customers, empowering them to take control of their finances and manage their accounts with ease. The USSD service is cost-effective, user-friendly, and available round-the-clock, making it a valuable tool for customers who seek a seamless and efficient banking experience.

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Meet Ogbeide Frank, also known as Perere, a blogger passionate about writing on finance and technology. He studied Business Administration at Ambrose Alli University in Ekpoma and Mobile Communication at Orange College in Malaysia. Frank has experience working as a banker and consultant for various agencies in Nigeria.

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