Ecobank USSD Codes in Nigeria (2026)

Ecobank’s USSD banking service allows customers to perform banking transactions directly from their mobile phones without an internet connection. Whether you want to transfer money, buy airtime, check your account balance, pay bills, or open an account, Ecobank’s USSD service provides a fast and convenient solution.

The official Ecobank USSD code in Nigeria is *326#. By dialing this code on the phone number linked to your Ecobank account, you can access a wide range of banking services anytime and anywhere.

This guide covers all the important Ecobank USSD codes you need in 2026.

Ecobank USSD Code for All Transactions

The main Ecobank shortcode is:

*326#

Dialing this code opens the Ecobank USSD banking menu, where you can access transfers, airtime purchases, bill payments, balance inquiries, account management services, and more.

Ecobank USSD Codes List (2026)

Service	USSD Code
Ecobank Main Menu	*326#
Check Account Balance	3260#
Buy Airtime for Yourself	326Amount#
Buy Airtime for Others	326Amount*PhoneNumber#
Transfer to Ecobank Account	3261AmountAccountNumber#
Transfer to Other Banks	3262AmountAccountNumber#
Check BVN	3267#
Update BVN Details	3267*1#
Block Account	326911#
Open Ecobank Xpress Account	*326#

How to Activate Ecobank USSD Banking

Before using Ecobank USSD banking, you must register the service on the mobile number linked to your account.

Steps to Activate

1. Dial *326#.
2. Select the registration option.
3. Verify your account details.
4. Create a secure USSD PIN.
5. Confirm the PIN.
6. Complete the activation process.

Once activated, you can perform transactions without internet access.

Ecobank Transfer Code

You can transfer money from your Ecobank account to another Ecobank account or to other Nigerian banks.

Transfer to Another Ecobank Account

Dial:

*3261Amount*AccountNumber#

Example:

*32615000*0123456789#

Transfer to Other Banks

Dial:

*3262Amount*AccountNumber#

Example:

*32625000*0123456789#

Follow the prompts and enter your PIN to complete the transaction.

Ecobank Code to Check Account Balance

To check your account balance:

*326*0#

Your available balance will be displayed on your screen after entering your PIN if required.

Ecobank Airtime Recharge Code

Buy Airtime for Yourself

Dial:

*326*Amount#

Example:

*326*500#

This will instantly recharge your phone with ₦500 airtime.

Buy Airtime for Others

Dial:

*326AmountPhoneNumber#

Example:

*326100008012345678#

The recipient will receive the airtime immediately after successful confirmation.

Ecobank Code to Open an Account

If you do not already have an Ecobank account, you can open an Ecobank Xpress Account directly from your phone.

Steps

1. Dial *326#.
2. Select Open Account.
3. Follow the registration prompts.
4. Complete the account setup.

The account can be opened without visiting a branch.

Ecobank Code to Block Your Account

If your phone is lost or stolen, you can secure your account using:

*326*911#

This helps prevent unauthorized transactions and protects your funds until you regain access to your account.

Ecobank BVN Code

To check your BVN details:

*326*7#

To update BVN information:

*32671#

Benefits of Ecobank USSD Banking

Ecobank’s USSD banking service offers several advantages:

• No internet connection required.
• Works on smartphones and feature phones.
• Available 24 hours a day.
• Fast transfers and bill payments.
• Secure PIN authentication.
• Supports all major Nigerian networks.

Common Problems and Solutions

USSD Code Not Working

Ensure:

• Your phone number is linked to your Ecobank account.
• You have sufficient network signal.
• The service is properly activated.

Incorrect PIN

If you enter the wrong PIN multiple times, your profile may be temporarily restricted. Contact Ecobank customer support or use the PIN reset option.

Transfer Failed

This may occur due to:

• Insufficient account balance.
• Network issues.
• Incorrect account details.
• Temporary service interruptions.

Frequently Asked Questions

What is the Ecobank USSD code in Nigeria?

The official Ecobank USSD code is *326#. It provides access to transfers, airtime purchases, balance checks, bill payments, and account services.

How do I check my Ecobank account balance?

Dial *326*0# and follow the prompts.

Can I transfer money from Ecobank without internet?

Yes. Ecobank USSD banking works without internet access. Simply dial *326# and follow the instructions.

How do I buy airtime from my Ecobank account?

Dial *326*Amount# for yourself or *326AmountPhoneNumber# for another person.

How do I block my Ecobank account if my phone is stolen?

Dial *326*911# immediately to restrict access to your account.

Conclusion

Ecobank’s *326# USSD banking service remains one of the easiest ways to perform banking transactions in Nigeria in 2026. Whether you want to transfer money, recharge airtime, check your account balance, pay bills, open an account, or secure your account, the service provides quick access without requiring mobile data.

As long as your phone number is linked to your Ecobank account and your USSD PIN is active, you can enjoy secure banking services anytime and anywhere directly from your mobile phone.