Ecobank Transfer USSD Code: How To Transfer Money

Using Ecobank transfer USSD code is a convenient and secure way to manage your bank account from anywhere in Nigeria.. Ecobank understands this need, providing customers with a way to transfer money using Ecobank USSD codes.

What is Ecobank Transfer USSD Code?

Ecobank’s USSD service allows you to transfer money directly from your bank account to another account using your mobile phone, without needing an internet connection. This service is perfect for those who may not have access to a smartphone or internet but still want to perform basic banking operations.

The USSD code for Ecobank transfer is *326#. Using this code, you can perform a variety of banking activities, including money transfers, checking account balances, buying airtime, and more. It’s secure, convenient, and works on all types of mobile phones.

Benefits of Using Ecobank Transfer USSD Code

Using the Ecobank USSD code for transfers offers several advantages:

1. Convenience: You can perform transactions from anywhere without needing internet access or visiting the bank.
2. Speed: Transactions are processed instantly, making it a quick way to send money.
3. Security: The USSD code is encrypted, ensuring that your transactions and personal information are safe.
4. Accessibility: It’s available on all types of mobile devices, from basic phones to smartphones.
5. Cost-Effective: There are no additional data charges for using USSD services.

How to Register for Ecobank USSD Code

Before you can use the USSD code to transfer money, you need to register your phone number with Ecobank. Follow these steps to activate the service:

1. Dial the USSD Code: On your phone, dial *326#.
2. Follow the Prompts: You’ll be asked to enter your Ecobank account number.
3. Create a PIN: Set a 4-digit PIN that you will use to authorize transactions.
4. Confirmation: You’ll receive a confirmation message once the registration is successful.

Once registered, you’re ready to start using the Ecobank USSD code for your banking needs.

How to Transfer Money Using Ecobank USSD Code

Step-by-Step Guide

1. Dial the USSD Code: Dial *326# from the phone number linked to your Ecobank account.
2. Select Transfer Option: Choose the ‘Transfer’ option from the menu.
3. Enter Recipient’s Account Number: Input the account number of the person you want to send money to.
4. Select Bank: Choose the recipient’s bank from the list provided.
5. Enter Amount: Type in the amount you wish to transfer.
6. Enter Your PIN: Input your 4-digit PIN to authorize the transaction.
7. Confirm Transaction: Review the details and confirm the transaction.

You’ll receive a confirmation message once the transfer is successful.

Ecobank USSD Code Transfer Flow

*326# → Select "Transfer" → Enter Recipient's Account Number → Select Bank → Enter Amount → Enter PIN → Confirm

Ecobank Transfer Limits and Charges

It’s important to be aware of the transaction limits and charges associated with using the Ecobank USSD code. Below is a table summarizing the key details:

• Note: Charges may vary based on Ecobank’s policy and regulations by the Central Bank of Nigeria (CBN).

Troubleshooting Common Issues

While the USSD service is generally reliable, you might encounter some issues. Here are common problems and solutions:

1. Unable to Access USSD Code

• Solution: Ensure you are dialing the code from the phone number linked to your Ecobank account. Also, make sure your phone has network reception.

2. Transaction Not Going Through

• Solution: This could be due to network issues. Wait a few minutes and try again. Ensure you have not exceeded your daily transaction limit.

3. Forgotten PIN

• Solution: Visit any Ecobank branch or call customer care to reset your PIN.

How to Reset Ecobank USSD PIN

If you forget your USSD PIN or want to change it for security reasons, follow these steps:

1. Dial the USSD Code: Dial *326#.
2. Select PIN Reset Option: Choose the option to reset your PIN.
3. Enter Your Account Number: Provide your Ecobank account number.
4. Enter Your Date of Birth: Provide the date of birth associated with your account.
5. Create a New PIN: Set a new 4-digit PIN and confirm.

You’ll receive a confirmation message once your new PIN is set.

Tips for Secure USSD Banking

To ensure your transactions are safe, follow these security tips:

1. Keep Your PIN Confidential: Never share your PIN with anyone, including bank staff.
2. Always Log Out: If you’re not using a basic phone, ensure you exit the USSD session after completing your transaction.
3. Report Lost or Stolen Phones: If your phone is lost or stolen, contact Ecobank immediately to block your USSD service.

Frequently Asked Questions (FAQs)

1. Is there a limit to how much I can transfer using the Ecobank USSD code?
Yes, there are daily limits on the amount you can transfer. Refer to the table above for detailed limits.

2. Can I use the USSD code if I’m outside Nigeria?
No, the Ecobank USSD code only works on Nigerian networks.

3. What do I do if my transfer is delayed?
Delays are rare, but if they occur, wait a few minutes and check your account balance. If the issue persists, contact Ecobank customer service.

4. Can I buy airtime for other networks using the Ecobank USSD code?
Yes, you can purchase airtime for any network in Nigeria using the USSD code.

5. How do I check my account balance using the USSD code?
Dial *326#, select the ‘Balance Inquiry’ option, and enter your PIN to view your account balance.