Activate Ecobank USSD Code on Phone 2025

Do you want to activate the Ecobank USSD code for easy banking on your phone?

Activating the Ecobank USSD code is easy. With it, you can transfer money, check your balance, buy airtime, and pay bills—all without internet access.

However, you might encounter issues preventing you from successfully registering the USSD service on your phone

So, in this post, you will learn:

The requirements needed to activate Ecobank USSD banking.
A step-by-step guide on how to activate the Ecobank USSD code.
The fees associated with USSD banking.
The common transactions you can perform with *326#.
Troubleshooting tips if the USSD code is not working.
Alternative digital banking options for Ecobank customers.

So let’s start.

How to activate and register Ecobank USSD Code

Table of Contents show

Ecobank USSD Requirement

To activate the Ecobank USSD banking service, you must have:

An active Ecobank account.
A registered phone number linked to your Ecobank account.
An ATM debit card.
A mobile network (MTN, Glo, Airtel, or 9Mobile) in Nigeria.
Sufficient mobile airtime.

With these in place, you are ready to enroll for the USSD code.

How to Activate Ecobank USSD Code (Step-by-Step)

Follow these simple steps to activate your Ecobank USSD code and start mobile banking:

Dial the code *326# on your Ecobank registered phone. Mtn, Glo, Airtel or 9 Mobile.
Select 2 to create your PIN
Input your Ecobank account number
Enter the last 4 digits of your ATM card number
Enter the 4-digit PIN of the ATM Debit card.
Then, create a new 6-digit PIN and confirm it

Here are the detailed steps for registering Ecobank USSD banking:

Step 1: Dial 326# on Your Registered Phone

Ensure you are using the phone number linked to your Ecobank account. Dial *326# and wait for the menu options to appear.

Step 2: Select Create USSD PIN Option

From the displayed menu, choose Option 2 to set up a USSD PIN for secure transactions.

Step 3: Enter Your Ecobank Account Number

Input your 10-digit Ecobank account number when prompted and proceed.

Step 4: Input Your Ecobank ATM Card Details

When prompted, enter the last four digits of your Ecobank debit card to verify ownership.

Then, for security verification, input your 4-digit ATM PIN linked to your debit card.

Step 5: Create a New USSD PIN

Choose a new 4-digit USSD PIN that you will use for mobile banking transactions. Re-enter it to confirm.

Step 6: Receive Confirmation Message

Once successfully registered, you’ll receive a message confirming that your Ecobank USSD banking has been activated. You can now perform transactions using *326#.

To understand how to send money to other bank accounts, check this post on Ecobank transfer code.

How Much It Cost to Register USSD Banking

Activating the Ecobank USSD code attracts a ₦6.98 network service charge, which is deducted from your mobile airtime. This fee applies each time you access the USSD menu, as charged by your mobile network provider.

Other USSD transactions, such as transfers and bill payments, may have additional charges based on Ecobank’s transaction fees.

Read: How to Buy Airtime from Ecobank Account

Common Transactions on Ecobank USSD Banking

Once you activate the Ecobank USSD code, you can perform various banking transactions conveniently, including:

Check Account Balance: Within seconds, you can use the USSD code to inquire about your Ecobank account balance.
Transfer Money. Send money from Ecobank to another account and other banks securely.
Buy Airtime and Data – Recharge your phone or buy data for yourself and others.
Payi Bills – Settle utility bills like electricity, cable TV, and other services.
Viewing Mini Account Statements – Check recent transactions on your account.

Read: How to Activate Ecobank Mobile App & Without an ATM Card

Why USSD is Not Working and How to Fix It

If your Ecobank USSD code is not working when activating it, here are possible reasons and how to fix them:

1. Wrong Code

Issue: You might be dialing an incorrect USSD code.
Solution: Always dial *326# on your registered phone number to access Ecobank mobile banking.

2. Unregistered Phone Number

Issue: The USSD service will not work if your phone number is not linked to your Ecobank account.
Solution: Ensure you are using the phone number registered with your Ecobank account. If not, visit an Ecobank branch to update your details.

3. Insufficient Airtime

Issue: The service requires at least ₦6.98 for network charges. If you have no airtime, the USSD code may not respond.
Solution: Recharge your phone with at least ₦10 before dialing *326#.

4. Bank or Mobile Network Issues

Issue: Sometimes, network downtime from Ecobank or your mobile provider (MTN, Glo, Airtel, 9Mobile) may cause delays or failed transactions.
Solution: Wait a few minutes and try again. If the issue persists, switch to another network (if possible) or contact Ecobank customer support for assistance.

If none of these solutions work, visit the nearest Ecobank branch or call their customer service for further assistance.

Read: How to Block Ecobank ATM Debit Card

Is EcoBank USSD Code Safe and Secure?

The Ecobank *326# USSD banking is safe and secure as it requires your unique PIN to confirm all your banking transactions. Hence, keep your PIN private including your ATM debit card details.

Peradventure, if you lost your phone, block the Ecobank USSD banking immediately by dialling *326*911# on any phone.

To understand better, read How to Reset Ecobank USSD PIN

Alternative Digital Channels

If you prefer other digital banking options besides USSD, Ecobank offers the following alternatives:

1. Ecobank Mobile App

The Ecobank mobile app allows you to perform banking transactions with an internet connection. You can transfer money, pay bills, buy airtime, and manage your account securely. Download the app from the Google Play Store or Apple App Store, register, and start banking on the go.

2. Ecobank Internet Banking

Ecobank’s internet banking platform provides full banking services online. With a secure login, you can access your account, make payments, check balances, and carry out other transactions from any device with internet access. Visit the Ecobank website to register and log in.

These alternatives provide more features and flexibility, especially for users with internet access.

Eco bank USSD banking codes to transfer money, airtime, bills, check and open account

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Summary

Ecobank offers a convenient and secure way to manage your finances through its USSD banking service. By activating the Ecobank USSD code (*326#), you can access a wide range of banking services directly from your phone, without needing an internet connection.

Key Points

Activate Ecobank USSD banking by dialing *326# and following the on-screen instructions.
Perform transactions like checking balance, transferring money, buying airtime, and paying bills.
Service fees include a ₦6.98 charge for activation and other transaction fees based on the service.
USSD banking is secure with encryption and PIN verification.
Alternative digital channels like the mobile app and internet banking are available for more advanced services.

unleash.com.ng is dedicated to providing valuable information on managing your finances. Keep an eye out for future articles on Ecobank and other helpful financial topics!

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