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Monday, September 28, 2020

*909#: How to Use Stanbic IBTC Bank USSD Code

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In this article, we would be taking a look at the Stanbic IBTC USSD code to purchase airtime, transfer money, and check the balance of your Standard IBTC bank.

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Using the Standard IBTC banking USSD code is not a hard task, as it is designed to simplify banking without the Internet from your convenience.

The USSD is an abbreviated form of Unstructured Supplementary Service that has existed since 2010, and its functionality has extended rapidly since its introduction.

We will explore the features of USSD banking services introduced by Stanbić Bank to facilitate banking operations and make the banking room less crowded.

With the Stanbic IBTC USSD codes, you can easily transfer money from Stanbic IBTC to another Stanbic IBTC and other banks in Nigeria using your mobile phone.

This article also includes Stanbic IBTC USSD codes to check your account balance and top up your number and also top up third parties’ numbers.

Note: Stanbic IBTC requires that you use the number you used to open your bank account for the USSD banking functionality to work. If you have lost this number, you can request a change of number at any Stanbic IBTC branch to use your new number for USSD banking.

Stanbic IBTC USSD Code

Transfer money

Stanbic IBTC has two separate USSD codes for money transfers. One USSD code is used to transfer money to other Stanbic bank accounts, while the other USSD code is used to transfer money to other banks in Nigeria.

To transfer to another Stanbic IBTC account

A quick example: To send 10,000 naira to an account number at Stanbic IBTC with account number – 0123456789.


On your mobile phone, dial * 9091110000*0123456789#. Then confirm with your PIN code.

To transfer to other bank accounts in Nigeria;

  • On your mobile phone, dial *909*22*​​amount*Account number#

Another example: To send 10,000 naira to another bank account number in Nigeria – 9876543210.

On your mobile phone, dial 90922100009876543210#. Then confirm with your PIN code.

The above method is for a quick transfer process. There is another method you could use to run this transaction in case the above method does not go through.

  • On your mobile phone, dial *909#.
  • Enter 1 for My Bank if you want to transfer to a Stanbic IBTC or Select the number attached to another bank if you want to send it to another bank account.
  • Enter 4 for transfer.
  • Enter the appropriate amount you wish to transfer.
  • Select the beneficiary bank.
  • Enter the beneficiary account number.
  • Confirm the details.
  • Enter your PIN code.

Airtime Top-Up

With the Stanbic IBTC USSD code, you can easily recharge your phone or another phone number.

Dial 909amount#. Then you confirm with your pin.

A quick example: To recharge your N1,000 on your phone number,

Dial 9091000#.

Dial 909amountphone numbermobile operator#


Another example for a third party: To recharge 08153334444 – GLO, with N1000 airtime.

Dial 909100008153334444GLO#.

To check account balance

You can easily check your Stanbic IBTC account balance with convenience.

Alternatively, you can download the Stanbic IBTC Bank mobile app in the app stores so that you don’t have to memorize these USSD codes every time. To be able to use the mobile banking application, all you need is a smartphone and an Internet connection.

However, the Stanbic IBTC USSD code works with any phone that makes calls even without the Internet.


The idea of using the Stanbic IBTC USSD code is to make banking services accessible to all customers.

Mobile banking applications require an internet connection and a compatible smartphone. In contrast, the Stanbic IBTC USSD code does not need either an internet connection and can work with any mobile phone.

Also, the USSD codes are practical and quick. However, the Stanbic IBTC USSD code is not a reliable replacement for mobile banking applications.

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Fadehan Emmanuel
Moore is an Associate—Editor of TheXplorion. Got a NEWS TIP related to this story — or to anything else in the world of big tech? Please e-mail him: mooreplug[at]gmail.com. You can also connect with him via the connections below the box.
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