First Bank USSD Codes in Nigeria (2026)

First Bank’s USSD banking service, known as 894 Banking, allows customers to perform banking transactions directly from their mobile phones without internet access. Whether you use a smartphone or a basic mobile phone, the service makes it easy to transfer money, buy airtime, check balances, pay bills, and manage your account anytime and anywhere in Nigeria.

The official First Bank USSD code is:

*894#

With this code, you can access a wide range of banking services in seconds without visiting a branch or using the mobile app.

What Is First Bank USSD Banking?

First Bank USSD Banking is a mobile banking platform that enables customers to carry out financial transactions using short codes. The service works on all major Nigerian networks, including MTN, Airtel, Glo, and 9mobile.

The platform is particularly useful for customers who do not have internet access or prefer quick banking transactions from their mobile phones.

Requirements for Using First Bank USSD Banking

Before using the service, you must:

• Have an active First Bank account
• Use the phone number linked to your account
• Own a First Bank debit card
• Register and create a secure transaction PIN

Once activated, you can access banking services 24 hours a day.

How to Register for First Bank USSD Banking

Follow these steps to activate First Bank USSD banking:

Step 1

Dial:

*894*0#

Step 2

Select the debit card linked to your account.

Step 3

Enter the last four digits of your debit card.

Step 4

Create a 5-digit PIN.

Step 5

Confirm your PIN.

After successful registration, you can start using First Bank USSD services immediately.

Complete List of First Bank USSD Codes (2026)

Service	USSD Code
Main Banking Menu	*894#
Registration	8940#
Check Account Balance	89400#
Transfer Money	894Amount*Account Number#
Buy Airtime for Self	894Amount#
Buy Airtime for Others	894Amount*Phone Number#
Buy Data	8942#
Buy Data for Others	8942*Phone Number#
Bill Payments	8943#
Mini Statement	894Account Number#
Create Payment Code	89499#
Block Account	894911#

These codes cover most everyday banking activities.

How to Check Your First Bank Account Balance

To check your account balance:

1. Dial *894*00#
2. Enter your 5-digit PIN
3. Your account balance will be displayed on your screen

This service allows you to monitor your funds without visiting a branch or ATM.

How to Transfer Money Using First Bank USSD

One of the most popular features of 894 Banking is fund transfer.

To transfer money:

1. Dial:*894*Amount*AccountNumber#
2. Confirm the recipient’s details
3. Enter your PIN
4. Complete the transaction

For example:

*894*5000*0123456789#

This will initiate a transfer of ₦5,000 to the specified account.

How to Buy Airtime for Yourself

To recharge your own phone:

Dial:

*894*Amount#

For example:

*894*1000#

This purchases ₦1,000 airtime directly from your bank account.

How to Buy Airtime for Another Person

You can also send airtime to family and friends.

Dial:

*894*Amount*PhoneNumber#

Example:

*894*500*08031234567#

This sends ₦500 airtime to the selected number.

How to Buy Data Using First Bank USSD

To purchase data:

1. Dial *894*2#
2. Select your network
3. Choose a data plan
4. Confirm payment

The cost will be deducted directly from your bank account.

How to Buy Data for Another Person

To buy data for someone else:

Dial:

*894*2*PhoneNumber#

Then select the desired network and data bundle.

How to Pay Bills Using First Bank USSD

You can pay several types of bills through the service.

To pay a bill:

1. Dial *894*3#
2. Select the bill category
3. Enter the required customer number or account reference
4. Confirm the payment

Common bill categories include:

• Electricity bills
• Cable TV subscriptions
• Internet services
• Educational payments
• Utility services

How to Generate a Payment Code

First Bank allows customers to create a payment code that can be used for transactions.

To generate a code:

Dial:

*894*99#

Follow the prompts displayed on your phone.

How to Block Your First Bank Account

If your phone is stolen or compromised, you can quickly secure your account.

Dial:

*894*911#

Follow the instructions to block transactions linked to your account.

This helps prevent unauthorized access and fraud.

Benefits of First Bank USSD Banking

Some advantages include:

• No internet required
• Available 24/7
• Works on all mobile phones
• Fast transactions
• Easy account management
• Secure PIN authentication
• Convenient for emergencies

These benefits make the service one of the most widely used mobile banking platforms in Nigeria.

Common Problems and Solutions

Incorrect PIN

If you enter the wrong PIN multiple times, your transactions may be temporarily restricted.

Solution:

Reset your PIN using *894*0# or contact First Bank customer support.

Insufficient Funds

Transactions will fail if your account balance is lower than the amount being transferred or purchased.

Solution:

Fund your account and try again.

Wrong Registered Number

The service only works on the phone number linked to your First Bank account.

Solution:

Visit a branch to update your phone number if necessary.

Network Issues

Temporary network problems may delay transactions.

Solution:

Wait a few minutes and try again.

Frequently Asked Questions (FAQs)

What is the First Bank USSD code?

The official First Bank USSD code is *894#.

How do I check my First Bank account balance?

Dial *894*00# and enter your PIN.

How do I transfer money using First Bank USSD?

Dial *894*Amount*AccountNumber# and follow the prompts.

Can I buy airtime with First Bank USSD?

Yes. Dial *894*Amount# to buy airtime for yourself.

How do I buy airtime for another person?

Dial *894*Amount*PhoneNumber#.

Does First Bank USSD require internet?

No. The service works without internet access.

Can I use First Bank USSD on Airtel, MTN, Glo, and 9mobile?

Yes. The service works across all major Nigerian mobile networks.

How do I block my First Bank account?

Dial *894*911# and follow the instructions.

Is First Bank USSD banking safe?

Yes. Transactions are protected using your unique 5-digit PIN and other security measures.

Can I buy data using First Bank USSD?

Yes. Dial *894*2# and select your preferred network and bundle.

Conclusion

First Bank’s *894 Banking service remains one of the easiest ways to access banking services in Nigeria in 2026. With a simple USSD code, customers can transfer money, buy airtime, purchase data, check account balances, pay bills, and secure their accounts without needing internet access. As long as your phone number is linked to your First Bank account, you can enjoy fast, secure, and convenient banking from anywhere in the country.