Wema USSD Codes Updated (2026): Check Balance, Transfers, Airtime, and More

The Wema USSD code is *945#.

Most people learn the Wema Bank USSD code the same way I did. By accident. On a Tuesday afternoon last year, my data ran out at the worst possible moment. I needed to send ₦15,000 to my brother for his rent before close of business, and the ALAT app sat on my screen doing nothing. No internet, no app, no luck.

That was when I remembered the SMS Wema had sent me months earlier. The one with the bold *945# in it that I had swiped away every time.

I dialed it. Two minutes later, my brother got his alert.

Since that day, the Wema USSD code has saved me more times than I can count. Failed app updates, network downtime in Yaba, that one time I traveled to a village with no signal but somehow could still dial USSD. It just works.

This guide covers every Wema Bank USSD code worth knowing in 2026. The verified codes (some pages on the internet have errors), the steps to register if you’re starting fresh, what to do when transactions fail, and the small habits that keep your account safe. By the end, you’ll have everything you need on one page. No fluff.

The Quick Answer: Wema Bank’s USSD Code is *945#

If you’re in a rush, here it is. The Wema Bank USSD code is *945#. Dial it from the phone number linked to your Wema account and follow the menu prompts. You’ll be asked for your 4-digit USSD PIN to confirm any transaction.

It works on every Nigerian network (MTN, Airtel, Glo, 9mobile) and on every type of phone, from a basic Nokia to the latest iPhone. No internet needed.

Below is the full breakdown of what each shortcut does.

Complete List of Wema Bank USSD Codes in 2026

These are the codes I’ve personally tested or verified against Wema Bank’s official channels. Bookmark this section.

Account Management Codes

Action	USSD Code
Open the main menu	*945#
Open a new Wema account	*945*1#
Register / activate USSD	*945*5#
Check your account balance	*945*0#
Get your account number	*945*000#
View last 5 transactions	*945*4#
Change USSD PIN	*945*00#
Block account (lost phone)	*945*911#
Manage BVN	*945*4#

Transfer Codes

Action	USSD Code
Send to another Wema account	*945*AccountNumber*Amount#
Send to other banks	*945*AccountNumber*Amount#
Quick send to a phone number	*945*6*Amount#

Airtime and Data Codes

Action	USSD Code
Buy airtime for yourself	*945*Amount#
Buy airtime for another number	*945*PhoneNumber*Amount#
Buy data	*945*9#

Bills and Subscription Codes

Action	USSD Code
Cable TV menu	*945*10#
DSTV subscription	*945*11*SmartcardNumber#
GOtv subscription	*945*12*SmartcardNumber#
Electricity bill	*945*24#
Internet service menu	*945*15#
WAEC result checking	*945*70#
JAMB result checking	*945*71#

Loan and Special Codes

Action	USSD Code
Apply for a quick loan	*945*65#
Cardless withdrawal	*945*57*MerchantCodeAmount#
Lagos State bills	*945*40#

How to Register Your Wema USSD Code (First-Time Users)

If this is your first time using *945#, you have to activate it. The process takes under three minutes and only needs your account details. You don’t need to visit a branch.

1. Make sure you’re using the phone number registered with your Wema Bank account.
2. Dial *945*5# on your phone.
3. Follow the prompts. You’ll be asked for your account number and your date of birth.
4. Create a 4-digit PIN. Choose something you’ll remember, but avoid obvious choices like your birth year or 1234.
5. Confirm the PIN by entering it again.

That’s it. You’ll get a confirmation message, and *945# is now active on your number. You can immediately start using it for transfers, bill payments, and everything else.

One important note: Wema does not assign a default PIN. The PIN you create during registration is yours alone. If anyone ever asks you for it, including someone claiming to be from the bank, do not share it. Wema customer support will never ask for your USSD PIN.

How to Check Your Wema Account Balance with USSD

The fastest way to know exactly what’s in your account.

1. Dial *945*0# on your registered phone number.
2. Enter your 4-digit USSD PIN when prompted.
3. Your balance shows on the screen immediately and is also sent to you as an SMS.

Each balance check costs the standard network charge (currently around ₦6.98). No internet required. No bank visit needed.

How to Transfer Money with the Wema USSD Code

This is the function most people use *945# for. You can send money to other Wema customers and to any Nigerian bank (GTBank, Access, UBA, Zenith, Opay, PalmPay, Moniepoint, all of them).

Sending to Another Wema Account

1. Dial *945*AccountNumber*Amount# on your phone.
2. Confirm the recipient’s name when it shows on the screen. Always check this before continuing. A wrong digit means your money goes to a stranger.
3. Enter your USSD PIN.
4. You and the recipient both get instant SMS notifications.

Example: To send ₦5,000 to a Wema account 0123456789, dial *945*0123456789*5000# and confirm.

Sending to Other Banks

The same format works for transfers to any Nigerian bank.

1. Dial *945*AccountNumber*Amount#.
2. Confirm the recipient’s name (this is the moment to catch any mistake).
3. If prompted to select a bank, choose from the list or type the first three letters of the bank name (e.g., “Acc” for Access Bank, “Opa” for Opay).
4. Enter your PIN.

Transfer limit: Wema sets a default daily USSD transfer limit of ₦100,000. If you need to send more, you’ll have to use the ALAT app or visit a branch to raise your limit.

How to Buy Airtime and Data with Wema USSD

Buying Airtime for Yourself

Dial *945*Amount#. So *945*500# tops up your own line with ₦500. Enter your PIN. Done.

Buying Airtime for Someone Else

Dial *945*PhoneNumberAmount#. To send ₦1,000 to 08012345678, dial *945*08012345678*1000#. Confirm with your PIN.

Buying Data

Dial *945*9#, select the network (MTN, Airtel, Glo, or 9mobile), pick the data plan, enter the phone number to receive the data, and confirm with your PIN. The data is activated immediately.

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How to Pay Bills with Wema USSD

You don’t need to log into anything to pay your DSTV, GOtv, or electricity bill. Just dial.

• DSTV: *945*11*SmartcardNumber# then follow prompts to choose a package.
• GOtv: *945*12*SmartcardNumber#.
• Electricity: *945*24# and follow the menu to pick your DISCO (EKEDC, IKEDC, AEDC, etc.) and enter your meter number.
• WAEC result checking PIN: *945*70#.
• JAMB result checking PIN: *945*71#.

For most bills, the receipt is sent to you by SMS within seconds. Keep that SMS until the service reflects on your end.

Cardless Withdrawal Using Wema USSD

You can withdraw cash at participating ATMs without your debit card.

1. Dial *945*57MerchantCode*Amount# to generate a one-time withdrawal code.
2. Go to the ATM and select “Cardless Withdrawal” from the main menu.
3. Enter the one-time code you received.
4. Collect your cash.

The one-time code expires within a few hours, so don’t generate it too early. Cardless withdrawal is useful when you’ve forgotten your card at home or when your card is being processed.

How to Open a New Wema Account with USSD

If you don’t have a Wema account yet, you can open one without visiting a branch.

1. Dial *945*1# from any phone.
2. Enter your first and last name as they appear on your ID.
3. Provide your date of birth.
4. Set a 4-digit USSD PIN.
5. Confirm your details.
6. Wema will send your new account number by SMS within seconds.

The account starts as a Tier 1 account with limits on transaction size and total balance. To upgrade and unlock higher limits, you’ll need to visit a branch or upload your BVN and ID through the ALAT app.

How to Get a Quick Loan with Wema USSD

Wema offers small loans you can request directly from your phone, no paperwork.

1. Dial *945*65#.
2. The menu shows available loan amounts based on your account history and salary inflow.
3. Pick the amount you want and review the repayment terms.
4. Confirm with your USSD PIN.
5. The loan reflects in your account within minutes.

The eligibility depends on how active your Wema account is and whether your salary is paid into it. New accounts won’t see large offers; existing accounts with steady inflow get higher limits.

What to Do When Wema USSD Isn’t Working

Even the best banking systems have off-days. Here are the most common issues and how to fix them.

“Service Temporarily Unavailable” or no response

This is usually a network issue, not your bank. Try these in order:

1. Wait 5 minutes and try again. Many USSD failures are sorted in minutes.
2. Switch networks if you have a dual-SIM phone.
3. Move to an area with better network signal.
4. Restart your phone, then dial again.

If the message persists for over an hour, call Wema customer care on +234-803-900-3700 or send an email to purpleconnect@wemabank.com.

“Invalid PIN” Even Though It’s Correct

Three wrong PIN attempts will lock your USSD service. If this happened, dial 94500# from your registered line to reset, or call customer care. Avoid entering the same wrong PIN multiple times. Take a breath, double-check, and try once.

Money Sent But Not Reflecting on the Recipient’s End

This happens more than people realize, and the fix is usually patience. Most “stuck” USSD transfers reverse or complete within 24 hours. If it’s been longer:

1. Take a screenshot of the SMS confirmation Wema sent you.
2. Note the transaction reference number from the SMS.
3. Email purpleconnect@wemabank.com or visit a branch with that reference number.
4. The dispute is usually resolved within 5–7 working days.

Never trust anyone who calls you offering to “help reverse” the transaction. That’s a common scam.

You’ve Lost Your Phone (or SIM)

Move quickly. Dial *945*911# from any phone to block your USSD service immediately. This prevents anyone with your SIM from making transactions. Then call Wema customer care to formally block your account.

Wema USSD Code vs ALAT App: Which Should You Use?

Both are Wema Bank products, but they serve different needs.

Feature	Wema USSD (*945#)	ALAT App
Internet required	No	Yes
Works on basic phones	Yes	No
Daily transfer limit	₦100,000	Higher (varies)
Bill payments	Yes	Yes, more options
Card management	Limited	Full control
Investment products	No	Yes (savings, fixed deposits)
Customer support chat	No	Yes
Speed	Instant	Instant

The honest verdict: use the ALAT app for most of your banking. Use *945# as your backup. The day your data runs out, your phone updates fail, or you’re somewhere with weak network, you’ll be glad you know *945# by heart.

Staying Safe While Using Wema USSD

Three rules that protect your money.

1. Never share your USSD PIN with anyone. Not your spouse, not your friend, not the person calling claiming to be from Wema. Wema staff will never ask you for it.
2. Always confirm the recipient’s name before transferring. Wema shows you the account holder’s name on screen before you enter your PIN. One missed glance is a wrong transfer.
3. Use only your registered phone number. USSD is tied to the SIM linked to your account. If someone steals or swaps your SIM, dial *945*911# immediately from any phone to block USSD access.

Beyond USSD: Smarter Ways to Manage Your Money

USSD is great for emergencies and quick transactions. But for bigger financial moves, like converting crypto to naira, paying for international subscriptions, or buying gift cards at the best rates, you need a different tool.

That’s where Dtunes comes in. Sell BTC, USDT, or Ethereum directly to naira in your Wema account in under 10 minutes. No P2P stress. No waiting for a stranger to confirm payment. The rate is shown upfront before you confirm.

Download the Dtunes app on Play Store or App Store

Frequently Asked Questions

The Bottom Line

The Wema USSD code is one of those small things that quietly makes life easier. You don’t need it every day. But the day you need it, no app or internet connection comes close.

Dtunes is now a full-service crypto platform. Beyond gift cards, you can now sell BTC, USDT, and Ethereum directly through our app with 24/7 support and the best market rates. Join the crypto revolution with Dtunes today!

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