Updated Airtime Data and Banking Shortcodes for All Nigerian Networks 2025/2026

Introduction

The Nigerian telecommunications industry has seen massive reform since the Nigerian Communications Commission (NCC) began harmonizing USSD and shortcode systems across all mobile networks.
For decades, each operator  MTN, Airtel, Glo, and 9mobile used its own set of unique USSD codes for airtime recharge, data purchase, balance enquiry, and other services.
This led to confusion among subscribers who often switched networks or owned multiple SIMs.

In 2025/2026, NCC’s Harmonized Shortcode Policy continues to simplify access to essential telecom services by ensuring that all major networks now operate with a uniform set of USSD codes for key functions such as recharging airtime, checking balances, buying data, and borrowing credit.
This development benefits more than 210 million Nigerian mobile users, enabling easy recall of codes regardless of their chosen network.

The harmonized system also supports the Central Bank of Nigeria’s (CBN) financial inclusion goals, improving access to mobile banking, e-payment, and digital services nationwide.
For individuals living in rural communities, USSD remains a lifeline for connectivity since it functions without mobile internet.

This comprehensive guide covers every updated airtime, data, and banking shortcode for 2025/2026, as approved by the NCC and implemented by the country’s leading telecom providers.
It also includes explanations, examples, troubleshooting tips, and comparisons to help subscribers get the most from their network services.

Why the Update Was Necessary

1. Uniformity Across Networks:
   The primary goal is to eliminate confusion and make it easier for users to switch networks.

2. Simplified User Experience:
   With standardized codes, customers can perform transactions faster without memorizing several numbers.

3. Better Regulation and Security:
   The NCC can now track and verify shortcode operations to prevent fraud and spam activities.

4. Enhanced Financial Integration:
   Harmonized USSDs allow smoother linkage between telecom operators, banks, and mobile money platforms.

Key Benefits to Subscribers

1. One code for all networks — easy to memorize.

2. Faster transactions — less time wasted finding different codes.

3. Supports all phone types — works on basic feature phones and smartphones alike.

4. No data required — operates offline.

5. Secure and traceable — NCC oversight ensures safety of mobile transactions.

The New NCC-Approved Harmonized Codes (2025/2026)

All four major networks — MTN, Airtel, Glo, and 9mobile — have fully implemented these codes for 2025/2026.

Updated Airtime Data and Banking Shortcodes for All Nigerian Networks 2025/2026

How the Harmonized Code System Works

1. User dials a code such as *310#.

2. Network gateway communicates with the NCC-approved shortcode platform.

3. Subscriber receives response directly on screen or via SMS.

4. Transaction completes instantly without the need for mobile data.

The process takes between 2 to 5 seconds depending on network strength.

Subscriber Awareness Campaign

The NCC, in collaboration with telecom operators, launched a nationwide public sensitization campaign in late 2024 to educate users about the new shortcodes.
By 2025, every subscriber should have migrated to the updated codes, as older ones have been phased out or redirected.

Billboards, radio jingles, and social-media campaigns continue across all 36 states to promote proper usage.
The harmonized structure supports Nigeria’s ongoing Digital Economy Initiative, aligning telecom operations with the Federal Ministry of Communications, Innovation, and Digital Economy policies.

Why USSD Codes Remain Vital in 2025/2026

Despite widespread smartphone adoption, USSD remains crucial for millions of Nigerians because:

1. Internet connectivity is still limited in many rural areas.

2. Data costs remain high for some users.

3. Financial inclusion programs rely heavily on mobile-based transactions.

4. Simplicity ensures that older users or first-time subscribers can easily navigate services.

Thus, every major network continues to invest in reliable USSD infrastructures for 2025/2026.

MTN Nigeria USSD Codes 2025/2026

MTN remains Nigeria’s largest telecommunications operator with tens of millions of active users. Its harmonized shortcodes now provide seamless access to every major service.

Tips for Subscribers

1. Always recharge using *311*PIN#—older codes are obsolete.

2. Check eligibility before borrowing credit.

3. To stop promotional SMS, dial *362#.

Airtel Nigeria USSD Codes 2025/2026

Airtel continues to expand its 4G/5G network while aligning with NCC-approved unified codes.

Useful Notes

1. For broadband or router data plans, use *312# and select “Home Plans.”

2. Avoid multiple dial attempts when network is busy; wait 30 seconds before retrying.

3. For DND activation, dial *362#.

Glo Nigeria USSD Codes 2025/2026

Globacom (Glo) offers competitive data rates and calls. Its harmonized codes now match other networks for ease of use.

Additional Advice

• Night plans and special offers appear under *312#.

• Glo’s Borrow Me Data now includes emergency weekend offers.

• If USSD hangs, switch to a stronger 3G/4G signal zone and retry.

9mobile Nigeria USSD Codes 2025/2026

9mobile, formerly Etisalat Nigeria, focuses on quality and innovation. All harmonized shortcodes now operate seamlessly across its network.

Important Updates

1. 9mobile fully supports *996# for SIM-registration checks.

2. Promotional bonuses can be viewed under *312# → “Special Offers.”

3. Older recharge codes like *222*PIN# are no longer functional.

Updated Airtime Data and Banking Shortcodes for All Nigerian Networks 2025/2026

Quick Comparison Across All Networks

Observation:
All major services now share identical codes, reducing complexity and ensuring Nigerians can manage multiple lines easily.

Troubleshooting and Best Practices

1. Network Timeout:
   If you see “Connection problem or invalid MMI code,” retry after 30 seconds or move to a stronger signal area.

2. Delayed Response:
   Avoid pressing Send multiple times; one request is enough.

3. Code Not Recognized:
   Update your SIM toolkit or confirm that your network provider has completed migration to the harmonized codes.

4. Device Compatibility:
   USSD works on all GSM phones, including 2G devices.

5. Security Reminder:
   Never share your transfer PIN or USSD banking PIN with anyone.

Updated Nigerian Bank USSD Codes and Shortcodes for 2025/2026

Overview

Nigeria’s financial sector continues to lead Africa in digital banking innovation.
With the growing adoption of mobile banking and fintech integration, USSD codes remain the fastest and most reliable way to access financial services especially in rural or low-internet areas.

For 2025/2026, the Central Bank of Nigeria (CBN) and the Nigerian Communications Commission (NCC) have reaffirmed the harmonization of banking shortcodes to make transactions simpler, faster, and more secure.

Below is a comprehensive table of updated banking codes, plus detailed explanations for each major bank.

1. Access Bank USSD Code – *901#

Access Bank’s shortcode *901# gives users 24/7 access to key financial operations without mobile data.

Key Transactions:

Security Tip: Always confirm recipient names before approving transactions.

2. First Bank of Nigeria – *894#

First Bank pioneered mobile banking in Nigeria through its *894# shortcode.

Note: You must activate USSD using your registered phone number and ATM card for first-time use.

3. Zenith Bank – *966#

Zenith Bank’s mobile banking shortcode provides comprehensive functionality for individuals and SMEs.

Security: Always confirm the last 4 digits of your account during setup.

Updated Airtime Data and Banking Shortcodes for All Nigerian Networks 2025/2026

4. United Bank for Africa (UBA) – *919#

UBA’s Magic Banking code, *919#, is one of the most versatile and widely used.

5. Guaranty Trust Bank (GTBank / GTCO) – *737#

GTBank’s shortcode *737# remains a gold standard in simplicity and speed.

Reminder: USSD banking requires no internet or smartphone—any GSM phone can perform transactions securely.

6. Fidelity Bank – *770#

Fidelity Bank continues to grow its retail presence with strong mobile-banking performance.

7. Ecobank Nigeria – *326#

Ecobank’s *326# USSD service enables local and cross-border transactions across Africa.

8. Union Bank – *826#

Union Bank’s USSD code *826# allows simple, fast banking without an app.

9. Polaris Bank – *833#

Other Major Nigerian Banks (2025/2026 Updates)

General Safety and Compliance Tips

1. Always use your registered phone number linked to your BVN.

2. Never share your USSD PIN or OTP with anyone.

3. Confirm bank and account details before sending funds.

4. Avoid public Wi-Fi when using mobile banking apps.

5. Report suspicious activity to your bank immediately.

NIN, BVN, and SIM Integration + Digital ID and Compliance Codes

In 2025/2026, Nigeria’s telecom and financial systems are more interconnected than ever.
Both the Nigerian Communications Commission (NCC) and the Central Bank of Nigeria (CBN) continue to implement unified digital identity standards that link a subscriber’s NIN (National Identification Number), BVN (Bank Verification Number), and SIM card registration.

The objective is to improve security, eliminate fraud, and simplify service delivery across all mobile and banking platforms.

USSD and shortcode services are central to this strategy, allowing Nigerians to verify, update, and synchronize their digital identities using simple mobile codes — without the need for an internet connection.

Updated Airtime Data and Banking Shortcodes for All Nigerian Networks 2025/2026

NIN-SIM Linking in 2025/2026

Since 2020, the Federal Government has made it mandatory for all SIM cards to be linked with their owners’ National Identification Numbers.
As of 2025, telecom subscribers who have not completed this linkage risk having their SIMs deactivated.

The harmonized shortcode for NIN-SIM verification across all major networks is:

*996#

How to Use It:

1. Dial *996# on your mobile phone.

2. Select “Link NIN” or “Verify NIN Status.”

3. Enter your 11-digit NIN when prompted.

4. Wait for confirmation message from your network.

Networks Supported:

1. MTN Nigeria

2. Airtel Nigeria

3. Glo Nigeria

4. 9mobile

Additional Information:
If your SIM is already linked, you’ll receive a confirmation message indicating successful integration. If not, you will be instructed to update your registration details at the nearest service center.

BVN Verification and Update

The Bank Verification Number (BVN) system remains a key pillar in the Nigerian financial ecosystem.
Introduced by the CBN and the Nigeria Inter-Bank Settlement System (NIBSS), BVN helps unify all customer accounts under one unique identity.

To check or retrieve your BVN number on any registered phone line, use:

*565*0#

How It Works:

1. Works across all major Nigerian networks.

2. Costs a small network service fee (usually ₦20).

3. Must be dialed from the phone number linked to your bank account.

Once retrieved, your BVN should match the details on your NIN record to avoid service disruptions in 2025/2026.

Digital Identity Compliance and Data Integration

In 2025, the Nigerian government is advancing the National Digital Identity Project, a collaboration between:

1. National Identity Management Commission (NIMC)

2. Central Bank of Nigeria (CBN)

3. NCC

4. Nigeria Data Protection Commission (NDPC)

This initiative integrates telecom, banking, and civil identity databases into a secure national digital system.

Benefits:

1. Single ID verification across all sectors.

2. Enhanced fraud prevention and financial security.

3. Easier access to government and educational services.

4. Improved KYC (Know Your Customer) compliance.

Troubleshooting Common Shortcode and USSD Errors

Even with harmonized codes, users may sometimes face issues while using USSD or shortcodes.
Here are common problems and solutions for 2025/2026:

 Security Tips for Using USSD and Shortcodes

As mobile transactions expand, fraudsters also attempt to exploit unsuspecting users.
To stay safe, every subscriber should follow these best practices in 2025/2026:

1. Never share your USSD PIN or OTP with anyone, including bank staff.

2. Use personal devices for transactions — avoid public phones or cyber cafés.

3. Check for fake pop-ups or links claiming to offer “free airtime or loans.”

4. Lock your SIM card with a unique PIN.

5. Regularly monitor your bank balance and report suspicious debits immediately.

6. Always dial official USSD codes listed by your bank or telecom provider.

The NCC has also introduced a unified Do Not Disturb (DND) code *362# for managing unsolicited messages and calls.

Updated Airtime Data and Banking Shortcodes for All Nigerian Networks 2025/2026

Benefits of Harmonized Codes to the Nigerian Economy

The nationwide shortcode unification system supports Nigeria’s broader digital economy goals in several key ways:

1. Simplifies telecom services and reduces customer service burden.

2. Promotes mobile banking adoption, especially in rural regions.

3. Enhances transparency between banks, telecoms, and regulators.

4. Empowers citizens with equal digital access regardless of location.

5. Drives financial inclusion, helping the unbanked population access credit, insurance, and savings services.

In 2025/2026, the NCC estimates that over 120 million mobile users will benefit directly from harmonized USSD services, reinforcing Nigeria’s status as Africa’s largest mobile economy.

Government Policies Supporting USSD Services in 2025/2026

Several key policies ensure that telecom and financial operations remain safe and effective:

1. National Financial Inclusion Strategy (NFIS):
   Targets 95% inclusion of Nigerian adults by 2026.

2. Digital Identity Framework 2.0:
   A unified policy connecting NIN, BVN, and SIM for enhanced security.

3. CBN’s Payment System Vision 2025:
   Promotes cashless transactions using mobile and digital channels.

4. NCC Harmonized Shortcodes Directive (2023):
   The foundation for uniform codes still enforced in 2025/2026.

The Role of Telecom Operators

Telecom operators — MTN, Airtel, Glo, and 9mobile — continue to work closely with NCC to ensure compliance, system uptime, and user data protection.
Each network maintains dedicated customer service teams and self-help portals accessible via the harmonized customer care code:

*200#

From this menu, subscribers can:

• Check tariff plans

• Report service issues

• Access data/airtime options

• Manage subscriptions

This code functions on all major networks and operates 24/7.

Conclusion

The introduction and continuous enforcement of harmonized airtime, data, and banking shortcodes mark a major milestone in Nigeria’s journey toward a fully digital economy.

By 2025/2026, the combination of NCC’s unified telecom policies and CBN’s mobile banking innovations ensures that every Nigerian — regardless of device or location — can access essential services through a simple, reliable interface.

The codes *310# for airtime balance, *312# for data plans, and *901#, *894#, *737#, and others for banking services now define Nigeria’s modern mobile lifestyle.
They bridge the gap between technology, finance, and everyday convenience.

In the years ahead, as Nigeria accelerates its digital transformation, harmonized USSD services will remain the foundation of financial inclusion, secure identity verification, and nationwide communication accessibility.

Every subscriber is encouraged to stay informed, use the updated shortcodes responsibly, and protect their digital identity.
With consistent compliance, Nigeria’s mobile ecosystem will remain strong, secure, and user-focused well into 2026 and beyond.