Do you want to activate the Polaris Bank USSD code without an ATM card? With the *833# Smart Banking service, you can access your Polaris Bank account, transfer money, buy airtime, and pay bills using just your phone.
This guide will show you how to activate Polaris Bank’s USSD code in a few easy steps. By the end of this post, you will learn:
- How to activate Polaris Bank USSD banking without an ATM card.
- The exact steps to follow for activation.
- How to troubleshoot common issues.
- Answers to frequently asked questions.
With this guide, you can activate USSD banking in minutes and start performing secure transactions from your mobile phone.

Requirements to Register Polaris Bank USSD Code
- A registered Polaris Bank account.
- A phone number linked to the account.
- A mobile device (feature phone or smartphone).
- Sufficient Airtime on your mobile network for Network charge. Mtn, Glo, Airtel or 9 Mobile.
How to Activate Polaris Bank USSD Code Without ATM Card
Follow these simple steps to activate the Polaris Bank USSD code without an ATM card on your phone:
- Dial *833# from your Polaris Bank registered line
- Follow the prompts to enter your Polaris account number
- Enter any 4-digit number to be used as PIN
- Your bank balance is displayed to confirm successful activation.
Here are the detailed steps for activating the Polaris Bank code on your mobile phone:
1. Dial Polaris USSD Code
Dial *833# from your Polaris Bank registered phone number. This can be your Mtn, Glo, Airtel or 9mobile network.
No matter the mobile network in Nigeria, ensure you are using the phone number linked to your Polaris Bank account.
2. Enter your Polaris Bank account number
Follow the prompts to enter your Polaris account number. Then, input your correct 10-digit NUBAN account number to verify your banking details.
3. Set a 4-digit PIN for USSD transactions
Choose a secure 4-digit PIN. This PIN will be used for all future USSD transactions.
Ensure your Polaris code is unique to you, not easily guessed by people. Stay away from USSD codes like 1111, 1234, 0000 etc.
4. Your account balance will be displayed, confirming activation
Once activation is successful, your Polaris bank account balance will appear on the screen.
Alternative Polaris Bank USSD Code Sign-up (PolarisMobile user)
If you have previously registered for PolarisMobile, use your existing 4-digit transactional PIN instead of creating a new one.
With these steps, your Polaris Bank USSD banking is now active, and you can start performing transactions instantly.
Read: Polaris bank transfer code and limit
Polaris USSD Activation Fee?
The Polaris Bank USSD code, like other NIgerian banks code, attracts a fee. Before activating Polaris code *833# on your phone, ensure you have at least 10 Naira airtime.
Your mobile network (MTN, GLO, Airtel, or 9Mobile) will charge you 6.98 Naira fee when you want to dial the *833# and every time you use the code for all banking transactions.
Common Issues and Troubleshooting Tips
If you encounter any issues while activating the Polaris Bank USSD code, here are some common problems and their solutions:
1. USSD Code Not Working?
- Ensure you are dialing
*833#
from the phone number linked to your Polaris Bank account. - Check if you have sufficient airtime, as USSD transactions may require a small network fee.
2. PIN Setup Failure?
- Restart the process and make sure you enter the correct Polaris Bank account number.
- Choose a 4-digit PIN that is easy to remember but difficult for others to guess.
3. Network Issues?
- If the USSD session fails, try again later, as network congestion can affect transactions.
- Switch to a different network provider if possible.
4. Error Messages?
- Double-check the information you entered.
- If the issue persists, contact Polaris Bank customer support for assistance.
These troubleshooting tips should help you resolve any activation issues.
Other Polaris USSD Banking Codes
- Transfer money to a Polaris bank account: Dial code *833*Number*Nuban Account Number#
- Transfer money to other bank accounts: Dial code *833*Number*Nuban Account Number#
- Buy airtime for yourself: Dial code *833*Amount# to purchase Mtn, Glo, Airtel or 9 Mobile recharge
- Buy airtime for others: Dial code *833*Amount*Phone Number# to purchase Mtn, Glo, Airtel or 9 Mobile recharge
- Pay for bills: Dial code *833*2# and follow the on-screen prompts
- Check your Polaris bank account balance: Dial code *833*6#
- To block your Debit card: Dial code *833*4#
- Open a Polaris bank Account: Dial code *833*1#
Read: How to Change Polaris USSD PIN
Frequently Asked Questions (FAQs)
Can I activate Polaris Bank USSD banking without an ATM card?
Yes, you can activate it by following the steps outlined in this guide.
What if I forget my USSD PIN?
Simply dial *833#, select the reset option, and follow the prompts to create a new PIN.
Is there a charge for using Polaris Bank USSD banking?
Yes, there is a fee of 6.98 Naira. Make sure you have at least 10 Naira on your MTN, Glo, Airtel, or 9mobile network.
Can I use USSD banking on multiple phones?
No, you can only use the registered phone number for USSD banking.
Is Polaris Bank USSD Safe and Secure?
The Polaris bank *833# 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.

What is Polaris Bank USSD Code?
The Polaris bank USSD code is *833#. It is a fast and easy way to perform banking transactions on your phone, such as sending money, checking your balance, buying airtime, or paying bills. This USSD code works on any phone – a basic phone or smartphone – and major mobile networks in Nigeria, MTN, Glo, Airtel and 9 Mobile.
To start using the Polaris code *833#, you have to register it on your phone using your ATM card details to activate it. Then, create your USSD unique PIN, which you will always use to confirm all transactions you make afterwards.
Summary
Polaris Bank USSD banking allows you to perform secure transactions without needing an ATM card. Activating it is quick and easy, giving you 24/7 access to banking services directly from your mobile phone.
Key Takeaways:
- To activate Polaris Bank USSD code without an ATM card:
- Dial *833# from your registered phone number.
- Follow the on-screen prompts.
- Enter your Polaris Bank account number.
- Set a 4-digit PIN for transactions.
- Your account balance will be displayed, confirming activation.
- Common issues like USSD code failure or PIN setup errors can be resolved by checking your phone number, network, and ensuring you have enough airtime.
- USSD banking fees apply (6.98 Naira per session), and you must use the phone number linked to your Polaris Bank account.
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