27 C
Saturday, October 24, 2020

*945#: How to Use Wemabank USSD Codes

- Advertisement - data-full-width-responsive="false">

Since the launch of the Wema bank instant banking service, it has seen millions of customers connect to their bank through their mobile devices.

- Advertisement -

To rephrase, it means that Wema bank customers can now perform transactions that would have in previous times required them to walk into a banking hall, on their mobile phones gaining access to a host of bank services.

You can now send money, pay bills, recharge your phone or third-party, open a Wema bank account, check your bank balance simply by dialing *945#.

To be able to perform bank transactions on your mobile device in one, two quick steps, all you have to do is register for the Wema bank USSD banking, have a mobile device (doesn’t have to be a smartphone), your phone number linked to your Wema bank account, 4-digit PIN of your ATM card

This service is available 24/7 and to all mobile networks. You also don’t need to be connected to the internet to have access to this service.

How to open a Wema bank account using *945#

Open a Wema bank account in less than five minutes without having to visit a bank or fill an opening form. Simply dial *945*1# and follow the onscreen prompts.

A ten-digit account number (NUBAN) account number will be issued to you via SMS once you have completed registration. You can link your Bank Verification Number (BVN) by dialing *945*BVN#.


  • Maximum deposit per transaction is N50,000.
  • Maximum account balance is N300,000.
  • All you need is your name and date of birth.
  • Account can be upgraded to standard account without restrictions.

How to generate your *945# PIN

Generate your *945# PIN by dialing *945*100 for newly opened account and *945*50# for existing accounts.

Follow the on-screen prompts and enter your account number, date of birth in the format; dd/mm/yyyy, new PIN and confirm PIN.


How to top-up your phone or for third-party using *945#

Recharging your phone has never been easier. In less than 30 seconds you can top-up your device and return to your phone conversation with a sense of calm.

You can also top-up for family, friends and loved ones from your mobile phone without having to move an inch. Data top-up is also made available for self and third-party using the *945# USSD code.

  • Airtime Top-up for self : Dial *945*Amount#. For example, *945*1000#.
  • Airtime Top-up for third-party: Dial *945*Phone number*Amount# . For example, *945*08032110321*1000# to top-up for a friend.
  • Data Top-up for self : Dial *945*2# and follow the on-screen prompts to complete the transaction.
  • Data Top-up for third-party: Dial *945*2*Recipient’s phone number# and follow the on-screen prompts to complete the transaction.


  • Service is available 24/7 and available to all mobile networks
  • Daily recharge limit is N10,000.

How to transfer money using *945#

Transfer funds to any bank in Nigeria from your mobile phone using *945#.

How to Transfer: Dial *945*Recipient’s Account number*Amount# and follow the on-screen prompts to complete the transaction. Authenticate the transaction using your USSD banking PIN. For example, *945*5034241673*15000#.


  • Phone number must be linked to your bank account to be able to perform transaction.
  • Bank charges apply for transactions within Wema bank (N21) and from Wema bank to other banks(N52).
  • Daily limit is N20,000. You can increase this to N500,000 via WemaMobile, WemaOnline or paying a visit to a Wema bank branch near you.
  • This service is available 24/7.

Cash on the Go – Cardless withdrawal

Enjoy access to cashless withdrawals using the *945# USSD code.

This initiative allows you to make cash withdrawals at the ATM even without your debit card so if you ever find yourself not in possession of your debit card and needing to withdraw some cash for that item that caught your eyes at the fair, then cardless withdrawal is the way to go.

How to make cardless withdrawal using *945#

Simply dial *945*8*Amount# on your mobile device. You will be asked to input a cashout PIN which should not be the same as your USSD banking PIN.

Type in the amount you desire to withdraw from your account (Note: You can only enter N20,000 per withdrawal). A cashout code will be sent to your phone which will be entered into the ATM at the point of withdrawal.



  • Phone number must be linked to your Wema bank account.
  • You can only make cashless withdrawal up to N20,000 at a go.

How to pay your bills and renew subsription using *945#

Avoid the long queues and delay you experience in paying your bills or renewing subscription for your internet and satellite TV services by paying from your mobile phone at your own convenience using *945#.

In one, two easy steps, you can renew subscription to your DStv, GOtv, Startimes, Smile and Swift packages among others. You can also pay your electricity bill directly to the account of your distribution company.

How to Pay bills

Dial *945*Code*ID*Amount#. For example, you want to renew your subscription to the Startimes Nova Bouquet, dial *945*18*5434526376*6000#.

Here’s a list of some the utility bills that the Wema bank instant banking supports.

16  DSTV Smartcard Number
17 GOTV Smartcard Number
18  Startimes Smartcard Number
19 Electricity Bill (IKEDC, EKEDC, BEDC etc.) Meter Number
20 Smile Network ID Number
21 Swift 4G Subscription (Swift 4G) Customer ID
22  mCash Merchant Code
23  LCC Tollgate LCC Number

Other *945# services include;

Balance Enquiry *945*0#
Generate OTP  *945*15#
Change your PIN  *945*00#
Get your Account Number *945*000#
Change Account Number *945*2*oldaccountnumber*newaccountnumber#
Send money to phone/email *945*6*amount#
Receive money  *945*7*confirmationnumber*amount#
Remita Payment *945*9*RRR#
Card Control *945*11*last four digits of card pan number#
Account Reactivation *945*5*
Pay-with-Mobile *945*12*amount#
Receive Western Union *945*14*MTCN*amount#

If you have any issue, do let us know in the comment box below.

Guest Author
This post was written by a Guest Author. Please see their details in the post above. If you'd like to Contribute towards the growth of The Xplorion, please check our Contributor Page for details about how YOU can share your tips with our growing community.
- Advertisement -

Trending Now

Diamondback 2014 Trace Comp Dual Sport Bike Review

Diamondback talk about it as the penultimate model which is ready to go anywhere and do anything! It’s definitely worth the money. Key Specs Brand:...
- Advertisement -

10 Best Places to Download Bollywood Movies

Do you spend hours watching Bollywood movies as I do? Have you been in search of the perfect sites to download the...

Startimes Subscription Prices, Packages and Channels List in 2020

StarTimes Nigeria is one of the popular cable TV providers in Nigeria. This service is a subsidiary of a Chinese based company...

GB WhatsApp, WhatsApp Plus and OG WhatsApp Tips and Tricks

Checkout the new GB WhatsApp Tutorial. Hello, welcome to WhatsApp Plus, OG WhatsApp and GB WhatsApp tips and tricks. For the sake of this article,...

GOtv Error Codes: How to Clear and Resolve GOtv Errors

If you are a GOTV user, you have probably encountered one or two GOTV errors, and these errors are preventing you from...

StarTimes Customer Service Contact and Simple Error Fixes

StarTimes has fast become one of Nigeria's most used cable or digital Pay Tv. Despite its vast customer reach, the company has...

New GOtv Packages, Channel List and Price for 2020

GOtv and DStv are both owned by Multichoice, and there's no arguing the fact that they have proven to be the largest...

7 Best Offline Racing Games for Android Users in 2020

Are you a real gamer? If you are one, then you will know how exciting it can be to experience the adrenaline rush that...

Best Low Size PC Action Games For Your Old PC/Laptop With Low Specs

Gaming time is one our favorite time and nothing beats the ability to play high-quality games on our PCs but like some of our...

DStv Channels List, Packages and Prices in 2020

Thousands of people in Nigeria have put their trust in DStv to provide them with the very best of television shows and programs. DStv (Digital...

Catch Up With Some Of The Latest And Most Unique Tricks That Make Online Videos Viral

Social media is an avenue that is undergoing constant change with every passing minute. Amidst this, it is difficult to navigate these...
- Advertisement -

Related Posts

*833#: How to Use Polaris Bank USSD Code

This is the same as the bank transfer code. These codes can be used in the Polaris Bank USSD code for all...

How to Fix Samsung Galaxy ‘no notification sounds’ Error?

The Samsung Galaxy smartphones usually are packed with a powerful sound engine and vibration motor which makes message notification easy. But recently though, many...

How to Get a Refund from iTunes on iPhone/iPad/Mac

Whenever you purchase an item you don’t like, you return it to get your money back. However, with a digital purchase like a movie,...

How to Open Task Manager on Mac?

MacOS has a feature with functionality which is similar to that of Windows Task Manager. Windows users know the usefulness of bringing up the...

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.