WEMA Bank Transfer Code - *945# USSD

How to Activate WEMA Bank Transfer Code – *945# USSD 

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What’s the Wema Bank transfer code?

The WEMA Bank USSD codes are available for use for every WEMA bank customer. Imagine spending your whole day lined up in a bank just standing in the queue and waiting for your turn to finally collect your cash.

Or it’s the weekend and the banks are closed, the ATMs seem to be swallowing people’s cards and the network is just terrible. 

This was how life was before the advent of the USSD code came into play. You waited long hours in banks and at the ATM and it was rather hectic.

But now as a Wema Bank user, you don’t have to go through such stress again. The Wema Bank transfer code is *945#. It’s available to existing customers.

Whilst in your house, hanging out with friends and families, you can send or receive funds from anywhere in the world. You can also pay bills, and buy credit or data for you and your loved ones at the tips of your fingers. 

How to activate and register for the Wema Bank transfer code

To activate the Wema Bank transfer you need to register it, there are some requirements you need ;

  •  Have an active Wema Bank account. If you don’t have one, you can create one here.
  • Get an ATM card.
  •  Use the number linked to your Wema Bank account and dial *945#
  • Follow the instructions and provide information such as your ATM card number and your transfer pin then confirm.
WEMA Bank Transfer Code


How to Activate for Wema Bank transfer code 

        It’s simply not enough for you to register you’ll also need to activate the bank code:

  • Dial *945# with the same number linked to your Wema Bank account.
  • Based on the instructions displayed on your phone follow and click on activation.
  • Add your bank account details; where you’ll be making the transactions.
  • Set a pin and confirm your transfer pin.
  • You’re ready to go.

Note: You must keep this transfer pin private and ensure it’s something you can remember.

Also if there’s a time when you forget your pin, visit the Wema Bank branch close to you for a pin reset or call 070CALLALAT for a PIN Reset.n Make sure to carry a means of identification.

What’s the importance of using a Wema Bank transfer code?

Unlike bank apps that require smartphones and internet service, the Wema Bank transfer code allows you with any GSM and the number linked to the account to send or receive money.

    There are other benefits of the Wema Bank transfer code such as:

  •  It’s available to all Network providers.
  • It only works for existing Wema Bank customers.
  • It’s available 24/7, you can use it anytime and anywhere.
  • You must have the number linked to your Wema Bank account.

What can I use my Wema Bank transfer code for?

  •  Buy airtime or data 
  • Check account balance
  • Open a Wema Bank account
  • Transfer money to Wema Bank and other banks 
  • Link your BVN
  • Change pin
  • Pay bills 
  • Request card
  • Request a loan
  • Check your W.A.E.C or NECO results
  • Pay for your Tv subscription 
  • Block your account in case of theft and so much more.

Wema Bank transfer code charges and limits?

As long as you’re using the Wema USSD code there’s a charge to pay for every transaction and there are daily limits you can’t pass.

The total daily limit for the Wema Bank transfer code is ₦20,000 but you can increase this limit to ₦500,000 by using Wema Bank mobile app or visiting a Wema Bank close to you.

The charges are paid to the network providers. Bank transfers to other Wema Bank accounts cost ₦21 per transaction, while to other bank accounts costs ₦52 per transaction.

Wema Bank USSD services and their codes *945#

  • Account balance *945*0#
  • Change PIN       *945*00#
  • Change primary account.   *945*2*oldacctno*new acct no#
  • Account opening *945*1#
  • Account Registering *945*01#
  • BVN management *945*4#
  • Account restriction *945*911#
  • Airtime, Data, and Transfers Codes
  • Airtime (self) *945*amount#
  • Airtime (others)
  • *945*phoneNo*amount#
  • Airtime/Data – *945*9#
  • Transfers (Wema account and other banks) *945*accountNo*amount#

Wema Bank USSD code for Loan

Quick Loan Code *945*65#

Cable TV Codes

  • TV *945*11# and*945*10#
  • *945*11*smartcardNO #.
  • GOVT *945*12# and *945*12*smartcardNO#
  • Startimes *945*13# and *945*13*smartcardNO#
  • Internet Service Codes
  • Internet service menu *945*15#    
  • Smile *945*16#
  • Spectranet *945*18#
  • Electricity Bill Codes
  • Electricity bill *945*24#
  • Eko *945*25*meterno*amount#
  • Ikeja *945*26*meterno*amount#
  • Ibadan *945*27*meterno*amount#
  • Abuja *945*28*meterno*amount#
  • Enugu *945*29*meterno*amount#
  • Jos *945*30*meterno*amount#
  • Kaduna.  *945*31*meterno*amount#
  • Kano   *945*32*meterno*amount#
  • PortHarcourt.*945*33*meterno*amount#
  • Schools and Exams Codes
  • WAEC (result checking) *945*70#
  • JAMB (result checking) *945*71#
  • State Collections  
  • Lagos state collection *945*40#
  • Cardless Transactions  
  • Mcash *945*57# and *945*57*merchant code*amount#
  • Coral  pay *945*58# and *945*000*REFno#


With the technology change, things have become much easier to do either in education, health, etc. The business and finance sector is left out as it has impacted the ease of transactions for business purposes and reduces the burdens for financial institution workers.

The Wema bank code is an easier way to reach the work at the tips of your finger. You can start by creating an account here

READ ALSO: Union Bank Transfer Code – Union Bank USSD Codes (2022)

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