In Nigeria today, access to the internet isn’t always guaranteed. Power outages, poor network coverage, and rising data costs have made digital banking difficult for many people. But there’s one tool that doesn’t rely on internet access which is the Stanbic USSD Code. Whether you live in Lagos or Lafia, with a mobile phone and a working SIM card, you can use the Stanbic USSD Code to manage your bank account anytime, anywhere.
This guide will take you through all the essentials for using the Stanbic USSD code in 2025. This article is meant for everyday Nigerians who wish to bank smartly while never requiring a smartphone or mobile data. Are you curious about how to transfer money, check your balance, or even block your ATM card without having to use the Stanbic mobile app or internet banking?
How to Use the Stanbic USSD Code to Bank Without Internet in 2025
1. Check Your Account Balance
To find out your balance on Stanbic:
– Press `*909#`.
– Press “Check Balance”
– Enter your PIN.
The screen will then show your available balance. It’s simple, speedy, and operates without the internet.
2. Transfer Money to Other Stanbic Accounts
To transfer money to another Stanbic user:
– Dial `*909#`.
– Tap the “Transfer” option
– Select “Stanbic IBTC”
– Type the recipient’s account number.
– Input the amount.
Enter and submit your PIN to confirm the transaction.
The funds will be transferred to the recipient immediate. Afterward, you will receive a confirmation message.
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3. Transfer to Other Banks in Nigeria
Transferring funds to accounts at other banks is just as easy:
– Dial `*909#`
– Press the “Transfer” option.
– Choose “Other Banks”
– Enter the account number of the beneficiary.
– Pick the bank you wish to send the payment to from the displayed list.
– Input the amount
– Enter and submit your PIN to confirm the transaction.
NB: Make sure you verify the account’s name before you confirm.
4. Buy Airtime
There’s no need to dash off to the kiosk. With a quick push of the button, top up in no time.
Dial `909*Amount#` for self
Example: `*909*200#` (to recharge ₦200)
For a different number: `*909*PhoneNumber*Amount #
Example: `*909*08123456789*500#`
Verify with your PIN.
5. Pay Bills
You can likewise settle DSTV subscriptions, power bills, and other services.
– Dial `*909#`
– Select “Pay Bills”
– Choose the biller (e.g., PHCN, DSTV)
– Enter your customer number
– Input the amount
– Confirm with your PIN
> Note: Always have your customer ID handy.
6. Open New Account
If you presently do not hold a Stanbic account:
– Open the dial pad and enter `*909#`
– Select “Open Account”.
– Provide the requested details.
Your new account number will be sent to you in an SMS.
7. Block Your ATM Card
Lost your debit card? Block it as soon as possible!
– Dial `*909#`
– Choose “Card Services”
– Select the option “Block Card”
Verify the process by entering your PIN.
In turn, this prevents anyone from using your card.
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8. Request a Loan
Stanbic now makes fast loan disbursement possible via USSD:
– Call *909#
– Press “Loans”
– Choose “Request Loan”
Follow the prompts to apply.
You will be notified right away about the status of your loan.
9. Update Your BVN or Email
Even without internet access, you can still change selected account details:
– Dial `*909#`
– Press the option “Update Info”
– Input your BVN or provide your updated email address.
– Confim to send
10. Request a Statement
To retrieve a mini statement on your most recent transactions:
– Dial the code `*909#`
– On the navigation bar, select “Account Statement”.
– Key in your PIN.
The list of recent transactions will be delivered via SMS.
Stanbic USSD Code Safety Tips
1. Although USSD is a secure channel, you must still exercise caution.
2. Do not ever disclose your PIN.
3. Should your phone get stolen, call Stanbic support to block your USSD access.
4. Always carry out your banking on your personal phone.
4. Steer clear of performing your transactions in public spaces.
Benefits of the Stanbic USSD Code
- Operates without internet.
- Can be accessed 24/7
- Works with every phone type
- Fast and user-friendly
- No smartphone required.
Limitations to Be Aware Of
1. Daily transfer limit
2. May only be utilized on the phone number you registered with Stanbic.
3. Needs a consistent mobile signal—not an active internet connection.
Read also: How To Remove Private Number On Android
Troubleshooting the Stanbic USSD Code
1. The code refusing to work? Make certain that your mobile number is already linked to your Stanbic account.
2. Incorrect PIN? You might be temporarily locked out. Wait and repeat.
3. Menu is not loading up? USSD may be affected by network problems. Use again later.
Frequently Asked Questions
1. Is the Stanbic USSD Code usable abroad?
No. It can only be used in Nigerian GSM networks.
2. Does Stanbic USSD code come in the Hausa Language, Yoruba or Igbo?
As at 2025, menu is in English. Stanbic is however in the process of including support of local languages.
3. Is it possible to link two or more accounts under the Stanbic USSD Code?
Yes, you can connect several accounts and choose which one to use in the transactions.
4. What will happen when I enter an incorrect PIN a number of times?
The access will be temporarily restricted. You will have to re-set it with your bank.
5. Is it possible to use Stanbic USSD Code to access more than one SIM card?
No. It can be only used on the number which is registered with your account.
6. Will I pay to use Stanbic USSD Code?
Yes, per transaction there is a small fee depending on the service.
7. With the Stanbic USSD Code, is it possible to do a scheduling of recurrent transfer?
No, the recurring payments are not available currently through USSD.
Conclusion
Internetless banking does not have to be hard. The Stanbic USSD Code will enable you to manage your money wherever you are whether in the city or in a far-flung village. It is quick, safe and is available all the time. You do not have to line up in the bank or use mobile internet.
It is not only a convenience to have the Stanbic USSD Code in 2025. It is a lifeline to many Nigerians. Apply and start using it today and have full access to your bank account where you will never have to go online.