Heritage Bank USSD Codes in Nigeria (2026)
Heritage Bank was once one of Nigeria’s commercial banks, offering customers convenient mobile banking services through its USSD platform. Before the bank’s operating license was revoked by the Central Bank of Nigeria (CBN) in 2024, customers could perform transactions such as money transfers, airtime purchases, balance inquiries, and bill payments using the Heritage Bank USSD code.
Many Nigerians still search for Heritage Bank USSD codes in 2026, especially those looking for information about the bank’s former services or seeking clarification about the status of its banking operations.
Heritage Bank USSD Code
The official Heritage Bank USSD code was:
*745#
This code allowed customers to access various banking services directly from their mobile phones without internet access.
What Happened to Heritage Bank?
In June 2024, the Central Bank of Nigeria revoked Heritage Bank’s banking license due to regulatory concerns and the bank’s inability to improve its financial performance.
Following the revocation, the Nigeria Deposit Insurance Corporation (NDIC) was appointed as the liquidator of the bank.
As a result, Heritage Bank’s USSD banking service and other banking channels were discontinued.
Heritage Bank USSD Services That Were Available
Before operations ceased, customers could use the USSD platform for:
- Checking account balances
- Transferring money
- Buying airtime
- Paying bills
- Opening accounts
- Managing account settings
- Accessing banking information
These services were available through the *745# shortcode.
Former Heritage Bank USSD Codes
| Service | USSD Code |
|---|---|
| Main Banking Menu | *745# |
| Check Account Balance | 7450# |
| Transfer Money | 7451# |
| Airtime for Self | 745Amount# |
| Airtime for Others | 745Amount*PhoneNumber# |
| Pay Bills | 7452# |
| Account Services | *745# |
These codes are no longer operational following the closure of the bank.
Can You Still Use Heritage Bank USSD Banking in 2026?
No.
Heritage Bank’s USSD banking platform is no longer active.
Customers cannot use:
- *745#
- Balance inquiry services
- Airtime purchase services
- Money transfer services
- Bill payment services
The service was discontinued after the bank’s license was revoked.
What Should Former Heritage Bank Customers Do?
Former customers should follow updates provided by the Nigeria Deposit Insurance Corporation (NDIC) regarding account balances, deposits, and claims.
Customers whose deposits exceeded insured limits may need to follow the claims process established by NDIC.
Those who have not received their funds should contact the appropriate authorities handling Heritage Bank’s liquidation process.
Alternatives to Heritage Bank USSD Banking
If you need USSD banking services in Nigeria, several banks currently provide active USSD platforms.
Some popular options include:
| Bank | USSD Code |
|---|---|
| GTBank | *737# |
| Access Bank | *901# |
| First Bank | *894# |
| UBA | *919# |
| Zenith Bank | *966# |
| FCMB | *329# |
| Wema Bank | *945# |
| Sterling Bank | *822# |
| Polaris Bank | *833# |
| Keystone Bank | *7111# |
These banking platforms remain operational in 2026.
Why People Still Search for Heritage Bank USSD Codes
Many people continue searching for Heritage Bank USSD codes because:
- They previously banked with Heritage Bank
- They are looking for old account information
- They want clarification on the bank’s status
- Older websites still contain outdated information
- They are unaware that the bank’s license was revoked
This has made Heritage Bank-related searches remain popular online even after the bank ceased operations.
Frequently Asked Questions (FAQs)
What was the Heritage Bank USSD code?
The official Heritage Bank USSD code was *745#.
Is Heritage Bank still operating in Nigeria in 2026?
No. Heritage Bank is no longer operating as a commercial bank following the revocation of its banking license in 2024.
Can I still use *745#?
No. The USSD code is no longer functional.
Can I transfer money using Heritage Bank USSD?
No. All Heritage Bank USSD banking services have been discontinued.
Can I check my Heritage Bank account balance?
No. Heritage Bank’s banking channels are no longer operational.
What happened to Heritage Bank customers?
The Nigeria Deposit Insurance Corporation (NDIC) was appointed to handle the liquidation process and customer deposit payments.
Is the Heritage Bank mobile app still working?
No. Heritage Bank’s digital banking channels are no longer active.
Who manages Heritage Bank’s assets now?
The Nigeria Deposit Insurance Corporation (NDIC) is responsible for the liquidation process.
Are Heritage Bank ATM cards still active?
No. Heritage Bank cards and banking services are no longer operational.
What bank can I use instead of Heritage Bank?
You can use banks such as GTBank, Access Bank, First Bank, Zenith Bank, UBA, FCMB, Wema Bank, Sterling Bank, Polaris Bank, or Keystone Bank.
Conclusion
Heritage Bank’s USSD banking service, which operated through *745#, is no longer available in 2026 following the revocation of the bank’s operating license in 2024. While the code once allowed customers to transfer money, buy airtime, check balances, and pay bills, all such services have been discontinued. Former customers should rely on updates from the NDIC regarding deposits and claims, while individuals seeking USSD banking services can use alternative Nigerian banks that continue to offer active mobile banking platforms.
