Rapidbills
Ecobank users, did you know there’s a much faster way to bank? Simply dial a code - no internet connection required, no need to visit the bank like you all often do.
I remember back in my NYSC days, Ecobank and I crossed paths the usual way: NYSC said open an account, and that was that; they didn’t care that I had another account before coming to camp. That’s where my second allawee was heading, so I had no choice but to be loyal.
I’m not sure if corps members still use Ecobank as their official allawee account, but that was my own story. Over time, I discovered that beyond just holding my small monthly allowance, Ecobank’s USSD code became a real lifesaver, especially when I had no data or was in the middle of nowhere.
In this guide, I’ll not only share a bit of that experience but also show you everything you need to know about the Ecobank USSD code, how to activate it, how to transfer money, check your balance, and even buy airtime. Whether you're a student, a corps member, or a regular Nigerian, this guide is for you.
The official Ecobank USSD code is *326#.
That’s it, just dial *326# and your bank is in your pocket.
But don’t let the simplicity fool you, this small code can do a whole lot. With it, you can:
Transfer money
Check your account balance
Buy airtime and data
Pay bills
And even open an account!
The best part? You don’t need the internet or a smartphone. Even your torchlight or button phone (Nokia torch gang ) can access these features.
And whether you’re on MTN, Airtel, Glo, or 9mobile, as long as your phone number is linked to your Ecobank account, you’re good to go.
Important Tip: Always dial *326# from the SIM card registered with your Ecobank account; otherwise, it won’t work.
Before you can start using *326#, you need to activate it. And good news, you’ve got two options, depending on the kind of person you are.
If you're part of the “coconut head gang” who likes to explore things on your own (no fear of pressing buttons), this is for you.
Follow these simple steps to activate your Ecobank USSD code by yourself:
Dial *326# on your phone (using your registered line).
Select “Register” or “Activate”.
Enter your Ecobank account number.
Create a secure 4-digit USSD PIN.
Confirm your PIN.
And just like that, Boom!
You’ve unlocked access to a world of banking on your phone. No app, no data, no stress.
You can now:
Transfer money
Buy airtime or data
Pay NEPA bills
Check your account balance
And much more!
If you’re the “I no wan spoil anything” type, no shame in that. Just visit any Ecobank branch, and their customer care agents will help you activate the Ecobank USSD transfer code safely and easily.
Imagine this: You’re in a danfo in Oshodi, and as a sharp guy, you know better than to press your iPhone 16 Pro by the window seat. But you need to send money urgently, what's the plan?
On your button phone dial *326#, of course!
To another Ecobank account:
*326*1*Amount*AccountNumber#
To other banks (like GTB, Access, FirstBank, etc.): *326*2*Amount*AccountNumber#
You’ll be asked to:
Select the bank.
Confirm recipient details.
Enter your USSD PIN to authorise the transaction.
Example: Want to send ₦5,000 to a GTB account (0123456789)?
Just dial:
*326*2*5000*0123456789#
Before USSD, if I wanted to check my account balance, it was through the ATMs, and it's not these days; you see a POS agent in every corner. Back in those days, you walked to the bank to use its ATM. But now you can just dial:
*326*0#
You’ll receive a text with your account balance in seconds.
|
Transaction |
USSD Code |
|
Check Balance |
*326*0# |
|
Transfer to Ecobank |
*326*1*Amount*AcctNo# |
|
Transfer to Other Banks |
*326*2*Amount*AcctNo# |
|
Buy Airtime (self) |
*326*Amount# |
|
Buy Airtime (for others) |
*326*Amount*PhoneNumber# |
|
Pay Bills |
*326*3# |
|
Account Opening |
*326*1# |
Your SIM must be linked to your Ecobank account.
The maximum transfer per day may vary (usually ₦100,000 daily).
You’ll be charged ₦6.98 per session (this is standard across all banks in Nigeria).
USSD service is available 24/7—even on public holidays.
No data, no wahala: Perfect for areas with poor internet.
Fast emergency transfers: For when JAMB sends that deadline email.
Works on any phone: Even Mama Nkechi’s Nokia touch light can use it.
Yes, USSD is cool. But if you want super-fast and cheaper airtime/data purchases, check out RapidBills.ng!
With RapidBills, you can:
Buy data at the cheapest rates (₦300 for 1GB MTN SME).
Sell your airtime for instant cash.
Pay NEPA bills, GOtv, DStv, etc. All in one place.
Earn by playing fun trivia games and using referral codes.
Many Nigerians are switching from traditional banking apps to RapidBills because it’s faster, more rewarding, and designed just for us!
The USSD code for Ecobank Nigeria is *326#.
Simply dial *326#, choose "Register", enter your account number, and set a PIN.
To Ecobank accounts: *326*1*Amount*AccountNumber#
To other banks: *326*2*Amount*AccountNumber#
Dial *326*0# and your balance will be sent via SMS.
Yes! As long as you keep your 4-digit PIN private, it’s safe to use.
Yes! The service works on all phone types, from button phones to iPhones.
Not usually. It depends on roaming and your mobile network provider, but it’s designed for local Nigerian networks.
Are you in Lagos traffic or relaxing in your hometown village without 4G? The Ecobank USSD code *326# has got your back. With just a few taps, you can transfer money, buy airtime, check your balance, and more.
But for those who want more than just banking, cheaper data, airtime selling, and instant rewards, then RapidBills.ng is your next stop.
Try it once, and you’ll see why more Nigerians are calling it their favourite bill payment app.
| © RapidBills