How to activate ussd code for Zenith bank

How to Activate Zenith Bank USSD Code on Phone for Mobile Transactions

This post on how to activate Zenith Bank USSD Code is for you if you need to register *966# Eazybanking to perform transactions on your account using your mobile phone.

To activate the Zenith bank USSD code, dial *966*00# from your registered phone (Mtn, Glo, Airtel or 9 Mobile), enter your last 4-digit ATM card and create a new PIN. After that, you can use the USSD code to transfer money to another bank account without an ATM card and perform other transactions. E.g. check balance, get a loan, buy airtime recharge and pay bills.

Learn about these steps for activating the Zenith Bank USSD code and transferring money without ATM card from the account.

So let’s start.

Read: How to Block Zenith ATM Debit Card

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:

  1. Dial *996*00#. Mtn, Glo, Airtel or 9 Mobile.
  2. Enter the last 6-digit of your ATM Card Number.
  3. Enter a New 4-digit PIN.
  4. Confirm the New PIN.
  5. Receive a Successful Message

Steps to Activating Zenith Bank USSD Code

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.

Zenith Bank MasterCard and VISA card

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 Transfer Money From Zenith Bank Without ATM Card

Follow these required steps to transfer money from your Zenith Bank account using a USSD code without an ATM debit card:

  1. Dial *966*amount*Account Number#. Mtn, Glo, Airtel or 9 Mobile.
  2. Select the bank name
  3. Enter your 4-digit USSD PIN
  4. Receive transfer successful message

As earlier said, with the USSD code, you don’t need your ATM card to transfer money from your Zenith account. It is only useful for activation.

However, if you don’t want to activate the Zenith bank account with an ATM card, use the Mobile App or Internet banking.

To achieve this, you will need to get a hardware token from any Zenith branch or eToken app for Playstore or App Store

To Transfer Money From Zenith Bank mobile app without ATM Card, download the app and choose either the Hardware token/e-token or Bank activation option during registration.

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.

How to Reset Zenith Bank PIN & Password Using USSD Code

To reset your Zenith bank USSD or Mobile Banking PIN and password, dial *966*60# on your registered phone (Mtn, Glo, Airtel or 9 Mobile.). Then, follow the on-screen prompts. This code is helpful in case you forget your 4-digit PIN when you register or activate Zenith USSD banking. Check on How to Reset Zenith Bank USSD PIN for Transfer to understand better.

How to reset Zenith Bank USSD Code after activating it

All USSD Codes for Zenith Bank Transaction

TransactionsUSSD 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:
*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#
All USSD Codes for Zenith Bank


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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