Keystone Bank USSD Codes in Nigeria (2026)
Keystone Bank’s USSD banking service allows customers to carry out banking transactions directly from their mobile phones without requiring an internet connection. Whether you want to transfer money, check your account balance, buy airtime, purchase data, pay bills, or manage your account, Keystone Bank’s USSD service provides a fast and convenient banking experience.
The official Keystone Bank USSD code is:
*7111#
Known as Keystone Bank USSD Banking, the service works on MTN, Airtel, Glo, and 9mobile. It is available on both smartphones and basic mobile phones, making banking accessible anytime and anywhere.
What Is Keystone Bank USSD Banking?
Keystone Bank USSD Banking is a mobile banking platform that enables customers to perform financial transactions using simple shortcodes.
With the service, customers can:
- Transfer money
- Check account balances
- Buy airtime
- Purchase data
- Pay bills
- Open accounts
- Retrieve account details
- Block accounts and cards
The service operates 24 hours a day and does not require internet access.
Main Keystone Bank USSD Code
The primary Keystone Bank USSD code is:
*7111#
Dialing this code opens the main banking menu where customers can access available services.
Complete List of Keystone Bank USSD Codes (2026)
| Service | USSD Code |
|---|---|
| Main Banking Menu | *7111# |
| Register for USSD Banking | *7111# |
| Check Account Balance | 711100# |
| Transfer Money | 7111Amount*AccountNumber# |
| Airtime for Self | 7111Amount# |
| Airtime for Others | 7111Amount*PhoneNumber# |
| Buy Data | 71111# |
| Pay Bills | 71112# |
| Open New Account | 71110# |
| Cardless Withdrawal | 71119# |
| Block Account | 7111911# |
| Block ATM Card | 7111911# |
| Retrieve BVN | 5650# |
These are the most commonly used Keystone Bank USSD codes in Nigeria.
How to Register for Keystone Bank USSD Banking
Before using the service, you must activate it.
Step 1
Dial:
*7111#
Step 2
Select the registration option.
Step 3
Verify your account details.
Step 4
Create a secure transaction PIN.
Step 5
Confirm the PIN.
Once registration is complete, you can begin using Keystone Bank USSD banking immediately.
How to Check Your Keystone Bank Account Balance
To check your account balance:
Dial:
*7111*00#
Enter your transaction PIN when prompted.
Your account balance will be displayed instantly on your screen.
This helps customers monitor their finances without visiting a branch or ATM.
How to Transfer Money Using Keystone Bank USSD
Keystone Bank customers can transfer funds to Keystone Bank accounts and other Nigerian banks.
Dial:
*7111AmountAccountNumber#
For example:
*711150000123456789#
Follow the prompts to:
- Confirm recipient details
- Enter your PIN
- Complete the transfer
Transfers are usually completed within seconds.
How to Buy Airtime for Yourself
To recharge your own phone:
Dial:
*7111*Amount#
For example:
*7111*1000#
This purchases ₦1,000 airtime directly from your Keystone Bank account.
The airtime is credited instantly.
How to Buy Airtime for Another Person
To send airtime to someone else:
Dial:
*7111AmountPhoneNumber#
For example:
*711150008031234567#
The recipient receives the airtime immediately.
How to Buy Data Using Keystone Bank USSD
Keystone Bank customers can purchase mobile data bundles through USSD.
Dial:
*7111*1#
Then:
- Select your network provider
- Choose your preferred data plan
- Confirm payment
The selected data bundle will be activated after successful payment.
How to Pay Bills Using Keystone Bank USSD
Bill payments can be completed directly from your mobile phone.
Dial:
*7111*2#
You can pay for:
- Electricity bills
- DSTV subscriptions
- GOtv subscriptions
- Internet subscriptions
- Utility bills
- Educational payments
Follow the instructions displayed on your screen to complete the transaction.
How to Open a Keystone Bank Account
New customers can open a Keystone Bank account using USSD.
Dial:
*7111*0#
Follow the prompts and provide the requested information.
After successful registration, your account details will be sent to you.
How to Perform Cardless Withdrawals
Keystone Bank allows customers to withdraw cash without their ATM cards.
Dial:
*7111*9#
Generate a withdrawal code and follow the instructions.
You can then use the generated code at supported ATMs to withdraw cash.
How to Retrieve Your BVN
To check your Bank Verification Number (BVN):
Dial:
*565*0#
The BVN linked to your phone number will be displayed.
A service fee may apply.
How to Block Your Keystone Bank Account
If your phone is stolen or compromised, you should secure your account immediately.
Dial:
*7111*911#
Follow the prompts to block your account and prevent unauthorized transactions.
This service is available 24 hours a day.
How to Block Your Keystone Bank ATM Card
If your ATM card is lost or stolen:
Dial:
*7111*911#
Follow the instructions to block the card instantly.
You can request a replacement card later at a Keystone Bank branch.
Benefits of Keystone Bank USSD Banking
There are several reasons why customers use Keystone Bank USSD banking.
No Internet Required
Transactions can be completed without mobile data.
Available 24/7
The service works every day, including weekends and public holidays.
Fast Transactions
Most banking transactions take only a few seconds.
Works on All Phones
The service supports smartphones and feature phones.
Secure Banking
Transactions are protected using a secure transaction PIN.
Convenient Access
Customers can bank from virtually anywhere.
Easy Airtime Purchases
Airtime purchases are completed instantly.
Quick Transfers
Funds can be transferred quickly to Nigerian bank accounts.
Common Problems and Solutions
Incorrect PIN
Entering the wrong PIN repeatedly may temporarily restrict access.
Solution: Contact Keystone Bank customer support.
Insufficient Funds
Transactions may fail if your account balance is too low.
Solution: Fund your account and try again.
Poor Network Coverage
Weak network signals may interrupt USSD sessions.
Solution: Move to an area with stronger network coverage.
Session Timeout
USSD sessions expire after a short period of inactivity.
Solution: Dial the code again and complete the process quickly.
Unregistered Phone Number
The service works best on the phone number linked to your Keystone Bank account.
Solution: Update your details with the bank if necessary.
Frequently Asked Questions (FAQs)
What is the Keystone Bank USSD code?
The official Keystone Bank USSD code is *7111#.
How do I check my Keystone Bank account balance?
Dial *7111*00# and enter your PIN.
How do I transfer money using Keystone Bank USSD?
Dial *7111AmountAccountNumber# and follow the prompts.
How do I buy airtime from my Keystone Bank account?
Dial *7111*Amount#.
How do I buy airtime for another person?
Dial *7111AmountPhoneNumber#.
How do I buy data using Keystone Bank USSD?
Dial *7111*1# and choose your preferred data plan.
Can I open a Keystone Bank account using USSD?
Yes. Dial *7111*0# and follow the instructions.
How do I perform a cardless withdrawal?
Dial *7111*9# and generate a withdrawal code.
How do I block my Keystone Bank account?
Dial *7111*911# and follow the prompts.
Does Keystone Bank USSD banking require internet access?
No. The service works without internet connectivity.
Conclusion
Keystone Bank USSD Banking provides customers with a fast, secure, and convenient way to access banking services in Nigeria. By dialing *7111#, customers can transfer money, buy airtime, purchase data, pay bills, check account balances, open accounts, and secure their accounts without internet access. Available 24/7 and compatible with all major Nigerian mobile networks, Keystone Bank’s USSD service remains a reliable banking solution for Nigerians in 2026.
