The Zenith Bank USSD code is a quick way to perform financial transactions on any type of mobile phone without visiting the bank. However you must activate the USSD code on your phone before using it.
Activating the Zenith bank USSD code is simple. Dial *966*00# from your registered phone (Mtn, Glo, Airtel or 9 Mobile) and follow the on-screen prompt to provide your ATM card details and create a secure PIN for transactions. This allows you to transfer money to another bank account, check balance, get a loan, buy airtime recharge, pay bills and lots more.
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 Zenith bank USSD banking.
- A step-by-step guide on how to activate the Zenith bank USSD code.
- The common transactions you can perform with *966#.
- Alternative digital banking options for Ecobank customers.
So let’s start.
Read: How to Block Zenith ATM Debit Card
Zenith Bank USSD Requirement
To activate the Zenith USSD banking service, you must have:
- An active Zenith bank account.
- A registered phone number linked to your Zenith bank 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 Zenith Bank USSD Code on Phone
Registering Zenith Bank’s USSD code is fast and easy. It takes a few minutes to activate it and create your PIN on your phone.
Here is how to activate Zenith Bank USSD code for transfers with ATM card:
- Dial *996*00#. Mtn, Glo, Airtel or 9 Mobile.
- Enter the last 6-digit of your ATM Card Number.
- Enter a New 4-digit PIN.
- Confirm the New PIN.
- Receive a Successful Message
For better understanding, the next section explains in-depth these steps.
Steps to Activating Zenith Bank USSD Code
Here are the detailed steps for registering Zenith Bank USSD banking on phone:
Step 1: Dial *996*00#
Firstly, dial the USSD code *996*00# on your Phone. This must be the phone number you used to register an account with Zenith Bank. Mtn, Glo, Airtel or 9 Mobile.
If the phone number is not the registered one, the Zenith USSD code will not work.
Step 2: Enter the last 4-Digits of your ATM Card Number
Next, enter the last 4 digits of your ATM card number. There is a 16-digit number in front of your Zenith debit card, enter the last 4 digits of it.
If you don’t have it, get one from any Zenith bank branch. Get either a Zenith MasterCard or a Visa card.
Step 3: Enter a New 4-digit PIN
The next step is to enter a new 4-digit PIN. Choose a unique PIN that you can remember.
To secure yourself, do not use this kind of PIN:
- Your year of birth
- 1234
- 0000
- Last 4-digit ATM debit card number
Step 4: Confirm the New PIN
Thereafter, to make sure you remember it, confirm your 4-digit PIN by entering it again.
Step 5: Receive a Successful Message
To confirm you have successfully activated the Zenith bank *966# EazyBanking, a message will show “ Retrieving your balance. You will receive an SMS shortly”
Lastly, you will receive an SMS showing your account balance on your phone.
Activate Zenith Bank USSD Code without ATM Debit Card
Zenith Bank does not allow activating the USSD code on a phone without having an ATM card. Also, most Nigerian banks do not accept it except for a few banks like UBA, Ecobank and Opay.
So, during the activation process, Zenith Bank will require you enter the last 6 digits of your debit card. Then, proceed to create a new USSD PIN. Hence, without a Zenith ATM card, you cannot completely activate Zenith USSD banking on your phone.
Getting a Zenith MasterCard or Visa card to activate the Zenith USSD code is quite easy. Visit any Zenith branch near you and to apply for and get the debit card.
Note: After activating the Zenith bank USSD code, you don’t need your ATM card. For subsequent transactions on *966# banking such as transferring money, you only need to enter the USSD PIN and not debit card PIN.
Also Read:
- How to Generate Zenith Bank Token using USSD e-Token App
- How to Qualify and Borrow Quick Money using Zenith Bank Loan Code
- Activate Unity Bank USSD Code
Is Zenith Bank USSD Code Secure?
The Zenith *966# USSD banking is secure as it requires your unique PIN to confirm all your banking transactions such as transferring money, paying bills, getting loan and buying airtime
Therefore keep your Zenith USSD PIN safe. Whoever knows your PIN and accesses your phone can perform any transaction without your notice.
What is the Network Fee to Activate Zenith Bank USSD Code?
The mobile network (MTN, GLO, Airtel, or 9Mobile) will charge you 6.98 Naira for using the Zenith USSD code *966# including when you want to activate the code. However, Zenith Bank does not charge a fee for activating the USSD code – it is free.
What is Zenith Bank USSD Code Transfer Limit
The Zenith bank USSD code transfer daily limit to any bank account is 100,000 Naira. To increase the limit to 1 million Naira, dial *966*60#, follow the on-screen prompts and enter your 4-digit PIN. It works for Mtn, Glo, Airtel and 9 Mobile.
All USSD Codes for Zenith Bank Transaction
| Transactions | USSD Code |
|---|---|
| Activate USSD Banking | *996*00# |
| Check Account Balance | *996*00# |
| Transfer Money from Zenith Bank Account | *966*Amount*Accountnumber# |
| Zenith Bank Payday Loan | *996*11# |
| Buy Airtime recharge from Zenith bank for self | *966*Amount# |
| Buy Airtime recharge from Zenith bank for others | *966*Amount*Mobile Number# |
| Open a Zenith bank account for self and others | *966*0# |
| Increase transaction limit above 100,000 Naira | *966*60# |
| Pay for bills: DSTV, GOTV, STARTIMES, PHCN etc | *966*7*Amount*Customer ID# |
| Reset Zenith bank USSD PIN | *966*60# |
| Retrieve Zenith bank ATM debit Card PIN | *966*60# |
| Reset Zenith Mobile Banking PIN and Password | *966*60# |
| Block all debit transactions on lost phone | *966*911# |
| Deactivate Zenith bank USSD Banking Profile | *966*20*0# |
| Check your Zenith bank account number | *966*0# |
| Update your Zenith bank BVN | *966*BVN# |
| Block Zenith ATM debit Card | *966*60# |
| Manage Zenith bank Cardless withdrawals | *966*60# |
Read: Zenith Bank Eazy Digital Wallet
Conclusion
Finally, I hope you now know how to activate the Zenith Bank *966# USSD banking code.
You cannot activate the Zenith bank USSD code without an ATM card.
However, if want to transfer money from Zenith Bank without an ATM card, use the mobile app or Internet banking.
Also, check this post on different ways to transfer money from a Zenith Bank account, even free bank charges.
Therefore, try it and let me know your experience and also leave a message in the comment section below.
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