Wema USSD Codes Updated (2025): Check Balance, Transfers, Airtime, and More
The Wema USSD code is *945#.
I remember those days I used to get one of those SMS alerts from Wema Bank: “Are you running low on airtime? Dial *945# to recharge from your account.” I have seen it so many times but ignored it. I felt my app was all I needed to get things done. Until the day it failed me.
My app wouldn’t open, I ran out of data, and I needed to send money fast. I was frustrated, and I sat there staring at my screen, wishing I had one simple way to fix it. That’s when I remembered Wema *945#.I dialed it and surprisingly, it worked.
That moment changed how I saw USSD codes. I didn’t realise I could transfer funds, check my balance, buy airtime and data, or even open a new account without needing an internet connection quickly. And now, it’s something I use often, especially when I just want to sort things out fast.
In this post, I’ll show you exactly how to use Wema’s USSD codes in 2025 for those simple transactions step by step. So if you’ve seen those messages too and never paid attention like me, this is your chance to finally use them to your advantage.
What is the Wema USSD Code?
The Wema Bank USSD code is *945#. It’s a short and easy to remember code that gives you direct access to your account from any mobile phone. With it, you can perform basic transactions like sending money, checking your balance, buying airtime or data of your choice without an internet connection.
Once you dial *945#, a simple menu appears on your screen. From there, you just select what you want to do, enter the required details, and confirm with your PIN. It’s straightforward and works even on the least phones.
You don’t need to download anything or visit a branch to get started. As long as the phone number you’re using is linked to your Wema account.
What is Wema Bank?
Wema Bank is one of Nigeria’s longest-standing banks, which started on May 2, 1945. It started out as Agbonmagbe Bank and later became Wema Bank in the late ‘60s. Over the years, it has grown from a traditional bank into one that embraces both physical and digital banking for everyday Nigerians.
What stands out about Wema is how it has adapted to modern banking needs without losing sight of simplicity. It’s the bank behind ALAT (Africa’s first fully digital bank) in 2017.
It serves individuals, small businesses, and corporations, but its strength has always been accessibility.
Wema USSD Code?
Wema Bank’s USSD code is *945#. It works on all mobile networks in Nigeria and can be used on any kind of phone. As long as the phone number is linked to your Wema account, you can use the code to carry out different transactions without needing data.
Before using it, you’ll need to activate the service. It’s a fast process that sets up your account and personal security PIN.
Here’s how to register Wema USSD Code:
- Dial *945# on your mobile phone
- Select “Activate” from the menu
- Enter your Wema Bank account number and any other required details
- Create a 4-digit PIN you’ll use to confirm transactions
Once you are done with it, you can start using *945# anytime.
Updated List of Wema USSD Codes(2025)
Below is the most current list of Wema Bank USSD codes you can use for different services.
| Transactions | USSD Codes |
| Check Balance | *945*0# |
| Airtime for self | *945*Amount# |
| Airtime for others | *945*Phone number*Amount# |
| Transfer to Wema Account/others | *945*account number*amount# |
| Bills (Electricity)Cable TV | *945*24#*945*10# |
| Data purchase | *945*9# |
| Open a New Account | *945*1# |
| Cardless Withdrawal | *945*57# |
| Block Account | *945*911# |
| Change Pin | *945*00# |
| Loan | *945*65# |
How to Withdraw Funds with Wema USSD Code
You can withdraw money from your Wema Bank account without using a debit card. This is called a cardless withdrawal, and it works through *945# at supported ATMs.
- Dial 945*57*Merchant Code*Amount# if you’re using any of their merchants.
- Dial same USSD to generate a one-time code
- Select the “Cardless Withdrawal” option on the ATM screen
- Enter the code and collect your cash.
How to Create Wema Account Using the USSD Code
- Dial *945*1# on your mobile phone
- Choose the option to open a new account
- Enter your first and last name.
- Provide your date of birth
- Input your preferred 4-digit PIN.
- Confirm all information.
- You’ll receive your new Wema account number via SMS.
How to Fund Your Wema Account with USSD Code
You can receive money into your Wema account through transfers from other banks or another Wema account.
- Ask the sender to dial *945*YourAccountNumber*Amount# if using Wema bank.
- From other banks, the sender can use his/her account USSD code.
- They’ll be prompted to enter their PIN to complete the transaction
- Once confirmed, the funds are transferred instantly to your account
Wema USSD Code for Balance Check
To quickly see how much is in your account:
- Dial *945*0# on the mobile line linked to your Wema account
- Enter your 4-digit PIN
- Your current balance will be be sent as an SMS
Wema USSD Code for Fund Transfer
- Dial *945*AccountNumber*Amount# for the same bank or others.
- Confirm the recipient’s name
- Enter your PIN to approve the transfer
Wema USSD Code for Data Purchase
- Dial *945*9# on your mobile line
- Select your network provider from the list
- Choose the data bundle you want
- Enter the phone number
- Confirm the transaction with your PIN.
Wema USSD Code for Airtime Purchase
You can recharge your phone or send airtime to someone else using the *945# code.
- For your own line: Press *945* 945*Amount# on your phone.
- To top up another number: Dial *945*PhoneNumber*Amount#
- Enter your PIN to confirm the request.
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Wema USSD Code for Airtel
To recharge an Airtel line using your Wema Bank account:
- Dial *945*AirtelNumber*Amount#
- Enter your PIN to approve the request
Wema USSD Code for Buying Data
To purchase data for yourself or someone else:
- Dial *945*9#
- Pick your mobile network.
- Select a data plan of your choice.
- Type in the phone number.
- Confirm with your PIN.
Wema USSD Code for Loan
- Dial *945*65#
- Choose “Loan” from the list of services
- Check out the available options and terms
- Select your preferred amount
- Enter your PIN to confirm the request
Wema USSD Code for Buying Airtime
- To recharge your own phone number: Dial *945*Amount#
- To send airtime to another number: Dial *945*Number*Amount#
- Confirm the purchase by entering your PIN.
Frequently Asked Questions about USSD
1. What is the code for Wema Bank mobile transfer?
To transfer money from your Wema account, dial *945*AccountNumber*Amount# and follow the prompt to complete the transaction.
2. What is the Wema Bank transfer code?
The transfer code is *945#. It allows you to send money to Wema accounts and other banks.
3. How can I activate Wema USSD code?
Dial *945#, select the registration option, enter your account number, and set a secure 4-digit PIN to complete activation.
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