Posted by: James Okwise Category: Banking, Guides Comments: 0

Heritage Bank USSD Code For Transfer And Buy Airtime Without ATM Card (All USSD Codes)

Heritage Bank is just like every other commercial bank in Nigeria with a special USSD code and you need to activate USSD banking before you can use any other Heritage USSD Codes in Nigeria. In this post, you will see all Heritage Bank USSD codes, Functionality and how to activate USSD banking on any device.

Why You Should Use Heritage Bank USSD Code:

Due to the unstable internet connection in Nigeria, you will need a mobile banking option without an internet connection and USSD banking is the best option apart from going to the bank and P.O.S stand.

However, there are processes to activate USSD banking on Heritage Bank in Nigeria.


How do I register for USSD banking? here is what you need.

1. Heritage bank account number.
2. Heritage bank Debit cards, MasterCard number.
3. Mobile phone number Linked with your Account.

In most cases, you can visit a bank branch to activate USSD banking on your phone sometimes. it is activated by default and then uses your ATM 4-digit pin as a transaction pin.

You can go ahead and try the USSD code to know if it works or not.

Here is The Heritage Bank Nigeria USSD code is *745#.

For the purpose of every commercial bank to meet the service of the unbank and Underbank without an internet connection, the USSD code is the best option.

How To Activate Heritage USSD Code Yourself

  • Dial *745*AccountNumber*Last Six Digits of Your ATM Card#
  • Then, Press 1 on the next screen to proceed with the activation.
  • Input a 4-digit PIN (The numbers you want to use as transaction PIN).
  • Re-enter it and confirm the PIN Again to complete the Process/Activation.

Congratulations! Your Heritage Bank USSD code is now working,

Without wasting much time, let’s see the list of Heritage Bank codes.


By now, the Heritage Bank USSD code is fully activated and working on your SIM card/device. You can simply dial *745# to use the USSD banking options available.

Heritage Bank USSD CodeFunction
*745#Account Opening
*565*0#Retrieve/Check BVN
*745*Amount#Airtime Top-Up (Yourself)
*745*Amount*Phone Number#Airtime Top-Up (Others)
*745*1*Amount*Account Number#Transfer Money To Heritage Bank Account
*745*2*Amount* Account Number#Transfer Money To Other Bank Account
*745*00*Refcode#Pay With USSD
*745*11#Block USSD Banking
*745*00#Change USSD Transaction PIN
*745#>> Select Pay BillsPay Bills/ Data
*745*0#Check Balance

Is There A Charge For Using Heritage Bank USSD Code?

Yes, according to the new telecom policy. NCC orders that banks can pass network charges directly to users from their Airtime.

Final Thought – Conclusion

USSD code is the fastest way to carry out banking activities on the go, however, there is a limit to the amount you can transact with it. that is why using a mobile app will be another great way for digital banking. in our next post in the Banking Guide series, we show you how to activate the Heritage mobile App and how to use it.

Hope this guide helps you to be able to activate your Heritage USSD code banking.

In Summary on How To Activate Heritage Bank USSD Code (Banking)

To activate Heritage USSD code;

You should dial *745*youraccountnumber*lastsixdigitofyourcard#, then reply with 1 on the next prompt screen to continue the activation. Choose your card, Enter the expiry date of your card (you can see it on the back of the ATM card). Set your 4-digit PIN for security purpose. Confirm your account number and PIN.

Finally, tap on send to complete the registration process.

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