How To Buy Airtime From Your Bank Without Internet/ATM (15 Banks Listed)

Ever since the advent of USSD codes to buy airtime without even needing an internet connection, I can't remember the last time I used a recharge card. Even before then, there was ATM recharge and also buying via internet banking, but just being able to get airtime by sending some codes is really cool. You don't have to fall for the 'borrow credit' line the network providers keep peddling. Buying via USSD codes cost you nothing, unlike the so called 'xtratime'. In case you didn't know your bank's codes, you can learn them here and start buying airtime at the click of a button (or a couple of buttons)! 


The process is very simple. Once you dial the code, a confirmation message will pop up. You will then receive a message that your phone has been credited and another message from the bank which will be a debit notification. There are no hidden charges. However, please note that you can only carry out these transactions with the phone line registered/linked to the specific bank account in question.

1. Access Bank : 

Dial *901*amount#.

Example: To recharge N500, dial *901*500# . You will be credited with N500 airtime while N500 will be automatically deducted from your access bank account.

The minimum recharge is N50 while the maximum is N5,000. For MTN users you must have at least N1 on your phone to use this service while other networks can use it with zero Naira.

2.  EcoBank :

Dial *326*amount#

3. Fidelity Bank:

Fidelity bank allows you to recharge for both yourself and others. To recharge for yourself, dial *770*amount#. To recharge other lines dial *770*phone no*amount#.

The minimum recharge is N100 while the maximum is N5,000.

4. First City Monument Bank(FCMB)

Dial *389*214*1*amount#.

5. First Bank :  

Dial *894*amount#. Minimum recharge is N50 while the maximum is N3,000

6. Guarantee Trust Bank (GTB) :

GTB also allows topup for other lines. To recharge on your registered line, dial *737*amount#. And to top up another line, dial *737*amount*number#. You will need your the last 4 digits on your ATM card to recharge on other lines.

Note that the minimum recharge allowed is #100 while the maximum allowed in a day is #5000.

7. Heritage Bank

Dial *322*030*Amount#.

8. KeyStone Bank

Dial *322*082*Amount#.

9. Skye Bank

Dial *389*076*1*amount#.

10. Stanbic IBTC Bank

Dial *909*amount#.

Note that the minimum recharge is N200 while the maximum is N5,000 and you must have at least N5 on your phone to perform this transaction.

11. Sterling Bank

Dial *822*Amount#.

The minimum recharge is N50.

12. United Bank Of Africa (UBA)

Dial *389*033*1*amount#.

13. Unity Bank

Dial *322*215*amount#

14. Wema Bank

*322*035*Amount#.

15. Zenith Bank

Dial *966*amount# or *302*amount# for MTN users.

Source: Yomitech.com