Zenith USSD Codes Updated (2025): Check Balance, Transfers, Airtime, and More
Zenith Bank USSD code is *966# .
It gives you instant access to your money without using an app or waiting for hours to get things done. You get to do everything from sending money to knowing your balance or opening an account just with the code.
Many people know the code but don’t always know how to fully use it. Some tried it once or twice and stopped, or maybe you’ve been hearing about it but never really gave it a shot.
This article is here to provide you with all the answers you need to know about Zenith USSD Code and the exact steps to take for each process.
By the time you’re done reading, you’ll know exactly what to do with *966# and how to make it work for you.
Let’s get into it.
What is the Zenith USSD code?
Zenith USSD code is *966#. It is how millions of their customers stay connected to their account from anywhere. Think of it as having your bank in your pocket.
It is that shortcode that allows users to check balances, send cash, sort bills, and even do more with any kind of phone. And when I say “any kind,” it means you do not need an internet connection to use it.
No need to download an app or work around just to get a stable network. Just dial *966#, and you’re in like you visited a branch. It works fast and works every time.
What is Zenith Bank?
Zenith Bank is one of Nigeria’s largest and most trusted banks. Since it opened its door in May 1990, it has grown into a financial powerhouse with branches not just across Nigeria but also in countries like Ghana, Gambia, and the UAE. It’s known for being reliable, fast, and constantly evolving.
From personal savings to business accounts and other banking transactions, they’ve built a system people can count on.
Their focus on innovation, like introducing *966# for quick access, means they understand what people really need.
Zenith USSD Code?
Zenith USSD code is *966#. That’s the simple code you dial when you want to do everyday banking transactions without stress. It’s quick, reliable, and works on any phone without complications.
Before you can start using it for any transactions, you need to set it up on your registered line. This is a one-time process and doesn’t take your time.
How to activate Zenith’s USSD Code:
- Dial *966# using the phone number linked to your account.
- Enter the last 6- digits of your ATM card.
- Create a 4-digit PIN that you’ll use for your USSD transactions.
- Confirm the PIN and wait for a message.
Updated List of Zenith USSD Codes
Once you activate *966#, you unlock a range of shortcuts that let you manage your money with ease. Here are some of the important Zenith Bank USSD codes you can use in 2025:
- Check Balance: Dial *966*00#
- Transfer Funds: Dial *966*Amount*Account number#
- Buy Airtime for self: *966*Amount#
- Buy Airtime for others: *966*Amount*Phone Number#
- Pay for Bills: Dial *966*7*Amount*Ref No# (DSTV, Electricity)
- Deactivate Mobile Banking: *966*20*0#
- Update BVN: *966*BVN#
- Open New Account: *966*0#
- Reset PIN: *966*60#
- Reactivate Account: *966*001#
- Block Account: *966*911#
How to Withdraw Funds with Zenith USSD Code
If you ever find yourself without a debit card, you can still get cash from an ATM using Zenith’s cardless withdrawal option.
- Dial *966*60# using the phone number linked to your account.
- Select “Cardless Withdrawal” from the menu.
- Follow the prompt to generate a one-time code.
- Choose the cardless option on the ATM screen
- Enter the code you generated, your phone number, and the amount.
- Collect your cash.
How to Create Zenith Account Using the USSD Code
- Dial *966*0#. Using any mobile line.
- Follow the on-screen prompt
- Enter your first and last name
- Select the account type.
- Complete registration.
- Once you’re done, you’ll receive your new Zenith account number by SMS.
How to Fund Your Zenith Account with USSD Code
- Dial your other bank’s USSD code.
- Choose “Transfer.”
- Enter your zenith Bank account number
- Select your bank as the destination.
- Confirm the amount and enter your PIN.
In a few seconds, your account will get credited.
Zenith USSD Code for Balance Check
- Dial *966*00# on your phone.
- Enter your PIN
- Your account balance will be displayed in seconds.
Zenith USSD Code for Fund Transfer
- To send money, dial *966*Amount*Account Number#.
- Select the bank you’re sending to.
- Enter your Zenith USSD PIN to confirm
- You’ll get a debit alert once the transfer is successful .
Zenith USSD Code for Data Purchase
- Dial *966*Amount*Phone Number#
- Choose “Buy Data” from the options that appear
- Select a data plan of your choice.
- Confirm with your PIN.
Zenith USSD Code for Airtime Purchase
- To recharge your own line: Just punch *966*Amount#
- To top up another line: Use *966*Amount*Phone Number#
- Then, enter your PIN.
Zenith USSD Code for Airtel
- If your registered line is Airtel to recharge, simply dial *966*Amount#
- To recharge another Airtel number: *966*Amount*Recipient Number#
- Enter your USSD PIN to complete the process.
Zenith USSD Code for Buying Data
- Press *966*Amount*Number#
- Click on “Buy Data.”
- Pick a data bundle.
- Confirm with PIN.
Zenith USSD Code for Buying Airtime
To top up airtime with Zenith, just pick up your phone and use the code.
- For your own line: Dial *966*Amount#
(Example: *966*100#)
- To buy for someone else: Press *966*Amount*Phone Number#
(Example: *966*200*09104583926#)
Frequently Asked Questions about USSD
1. Can I use Zenith Bank’s USSD code on any phone?
Yes. As long as the phone can dial numbers, It doesn’t have to be a smartphone, and you don’t need the internet.
2. Is there a charge for using the Zenith USSD code?
Yes, there’s usually a small network fee of about ₦6.98 per session. It’s deducted by your network provider, not Zenith Bank.
3. How can I block my Zenith account with the USSD code?
To block, dial *966*911# from any phone and follow the prompt to block your Zenith account quickly.
4. Can I open a Zenith account without visiting a branch?
Yes. Just dial *966*0# and follow the prompts. You’ll get an account number instantly.
5. Is Zenith USSD code available 24/7?
Yes, it is always available, even on weekends and public holidays.
Conclusion
Banking has changed and moved from the traditional way we all used to know, and Zenith do not want their customers left behind. With *966#, you can take care of things that are important to you. Buy data instantly, check your balance, and recharge your line within minutes.
Everything you need to have a smooth operation is right there, and it is fast and easy to use. You don’t have to put your plans on hold just because you can’t make it to the bank.
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