Zenith Bank Code 2024 – Everything you need to know

Zenith bank code

Are you a Zenith Bank customer looking to simplify your banking activities? Discover the Zenith Bank code, numerous ways you can to use it and some common questions with their answers in this article.

You will learn more about all there is to know about the Zenith Bank code in this article but before we begin, let’s explore a brief history of Zenith Bank PLC.

A Brief Overview of Zenith Bank

Zenith Bank has been around for over 100 years. It was founded in 1902 by the then Governor of Lagos, Sir William Henry Manning, who also became the first chairman. Zenith Bank Plc has become the first Nigerian Bank to successfully launch its Unstructured Supplementary Service Data (USSD) account control code (USSD Code). This unique code helps to stop unauthorised transactions and protects the account holder’s funds in the event of mobile phone, ATM Card or hardware token loss as well as account details compromise.

Zenith Bank is one of the largest multinational financial service companies in Nigeria. It provides a variety of banking products and other financial services to individuals, small and medium-sized enterprises, large corporations, and governments. The pioneer bank has been named number one bank in Nigeria for thirteen consecutive years by Tier-1 Capital In The 2022 Top 1,000 World Banks Ranking. 

The giant financial institution has designed an innovative system which allows you to make bank transactions using your mobile phone. The Zenith bank code enables you to perform various actions, such as transferring money, paying bills, topping up your mobile phone, buying airtime and data, and more. The code provides a quick, easy and secure way to perform banking transactions using your mobile device, eliminating the need for physical banking, thereby saving time and money. It is a great development for customers, as it has simplified money transfer to family members and friends. 

What Is the Zenith Bank Code?

If you’re looking for a simple, fast, and convenient way to transfer money, the Zenith Bank code is the perfect solution. Here’s everything you need to know about this service.

With the Zenith Bank Code, users can transfer funds, pay bills, recharge airtime and check their account balance at the touch of a button. It also allows users to create and manage multiple accounts, as well as access their account details, transaction history and account statements. In addition, this quick code offers enhanced security features such as two-factor authentication and PIN protection. All these features make it easier and more convenient for users to manage their finances on the go.

Zenith Bank transfer code is an excellent way to send money quickly and securely without having to worry about paperwork or long queues at the bank. With its easy-to-use platform, secure encryption methods, and helpful customer service team, transferring funds has never been easier! 

The Zenith USSD code, also known as Eazy Banking, is a mobile banking feature that allows Zenith bank customers round-the-clock access to their bank accounts. As a registered account holder, you have the liberty to make bank transactions from your phone without needing to visit the bank. Eazy Banking assures you hitch free transactions whether you’re at home or on-the-go. You literally have your banking process at the tips of your fingers.

Eazy Banking is accessible via the*966# Zenith bank code and is a secure and simple way to perform the following actions: money transfer, balance inquiry, buy airtime and mobile data, pay bills, get account statement, card-less withdrawals, open a bank account and apply for loans on any type of mobile phone without needing an internet connection. 

Features of the Zenith Bank Code

In the past, to conduct financial transactions customers would have to be present at the bank, or at the nearest ATM. However, since the introduction of the Zenith Bank transfer code, customers no longer have to be present at the bank or ATM to conduct financial transactions or other banking operations.

To start enjoying the Zenith Eazy Banking feature, you must first activate the transfer code on your mobile phone. If you wish to activate the Zenith Bank transfer code on your mobile phone, continue reading this post, you’ll find step-to-step directives on how to activate the Zenith Bank transfer code.

  • The Zenith Bank transfer code or Eazy Banking code is *966#. It is a convenient, secure, and fast way to perform banking operations via non-smartphone, and without an internet connection. This means that you can access your bank account and carry out various banking transactions without any need for data connection, or airtime balance. Using this code, you can send money to other banks, buy airtime/data, pay bills, check your account balance, and many more. The USSD code is available to all telecommunication networks in Nigeria and is compatible with all mobile devices. So you can access this amazing feature with both a smartphone and a non-smartphone.
  • Another amazing feature of the Zenith Eazy Banking code is that it is available 24 hours a day, and 7 days a week. That is, you can make financial transactions on weekends, at midnight, and even on public holidays. With that, customers will have no need to panic when an emergency arises that needs financial attention at an odd hour.

How to Activate the Transfer Code

Are you banking with Zenith Bank of Nigeria? If yes, then here’s an interesting guide on how to activate the Zenith Bank transfer code. To activate the zenith USSD transfer code, you first need to visit a Zenith bank branch to collect your Zenith bank debit card. There, you can request for a MasterCard, verve or visa card; you will use the last four digits on any of these cards to activate your transfer code. Once you have your card, follow the procedures below:
Activate the Transfer Code on Zenith Bank

  1. Dial the USSD code *996# using the phone number linked to your Zenith bank account
  2. Enter your 10-digit account number
  3. Enter the last 4-digits of your Zenith bank debit card
  4. The system will prompt you to create a 4-digit transfer PIN to authorize transactions via the USSD banking.
  5. Enter your preferred 4-digit PIN to proceed
  6. Confirm your entry
  7. You have successfully activated the Zenith bank transfer code on your mobile phone.

One thing you should know is that the activation is free of charge. All you need is your mobile phone, a Zenith bank debit card, and an active phone number. Follow the steps listed above to get started, if you already have these.

How to Use the Code

The Zenith bank USSD code, *966# is essential for all account holders as it is quick, easy and convenient. When you start using it, you’ll experience easy banking that curbs the hassle of physical banking. I will be showing you how to use the Zenith bank transfer code, Zenith bank USSD code, Zenith bank code to check balance, the Zenith bank loan code and many other things you can do with the quick code. 

To use the Zenith Bank Code, simply dial *966# using the mobile phone number registered with your account. You will then be prompted to enter your four-digit PIN. Once you have logged in, you can perform various transactions such as transferring money, paying bills, and more. You can also check your balance, view your recent transactions and transfer funds to other banks. 

  • Money Transfer 

The code is also very simple to use. All you need to do is dial *966# on any mobile phone, then follow the instructions given by the automated voice service. Once you have completed the process, your money will be transferred instantly into the recipient’s account. You will receive a confirmation text message once the transaction is complete. 

Here’s how it works:
Money Transfer on Zenith Bank via code

  1. Launch the call app on your mobile phone and dial *966*Amount*Recipient’s Account Number#
  2. For example, if you wish to send N5000 to another bank account, dial *966*5000*1234567890#
  3. Make sure you dial the USSD code using the phone number linked to your Zenith bank account
  4. Enter your 4-digit transfer PIN to authorise the transaction
  5. The recipient’s account details and transactions information will be displayed on the screen for confirmation
  6. Confirm the transaction to proceed
  7. The funds will be sent to the recipient immediately
  • Check Account Balance 

If you wish to check your current account balance, you can do so using the Zenith bank transfer code. See procedures on how to check account balance below:
Check Account Balance  on First bank

  1. Launch the call app on your mobile phone and dial *966*00#
  2. You are expected to dial the code using the phone number linked to your Zenith bank account
  3. Enter your 4-digit transfer PIN to authorise the action
  4. Your account balance will be displayed on the screen
  5. You will also receive an SMS containing your Zenith bank account balance
  • Buy Airtime 

With the Zenith bank transfer code, you can buy airtime for yourself and your friends easily. See procedures on how to buy airtime using the USSD code below:

  1. Launch the call app on your mobile phone and dial *966*Amount*Recipient’s Mobile Number#
  2. For example, if you wish to buy N1000 worth of airtime, simply dial *966*1000*08012345679#
  3. Make sure you dial the code using the phone number linked to your Zenith bank account
  4. Enter your 4-digit transfer PIN to authorise  the transaction
  5. Your airtime recharge will be credited to the phone number immediately
  • Reset Your Transfer PIN

Have you forgotten your Zenith bank transfer PIN? Or maybe you feel your current transfer PIN isn’t as safe as before. Then the best course of action would be to change the PIN. See procedures on how to change your Zenith bank transfer PIN below:

  1. Launch the call app on your mobile phone and dial*966*60#
  2. Make sure you dial the code using the phone number linked to your Zenith bank account
  3. You will be required to enter the current transfer PIN to proceed
  4. Follow the on-screen prompts to reset your transfer PIN
  5. After resetting your PIN, you can proceed to carry out your financial transactions using the new transfer PIN
  • Deactivate Your Mobile Banking Profile

To deactivate your Zenith bank mobile banking profile, follow the procedures below:

  1. Launch the call app on your mobile phone and dial *966*20*0#
  2. Make sure you dial the code using the phone number linked to your Zenith bank account
  3. Follow the on-screen prompts to complete the procedure
  4. Your mobile banking profile will be deactivated

You can perform a series of offline transactions on your mobile phone using the Zenith bank USSD code *966#

Reset Your Transfer Pin

In a situation where you have either forgotten your pin or feel your current pin isn’t secure enough, follow the steps below to change it:

  1. Dial *966*60# using the phone number linked to your zenith bank account
  2. You will be asked to type in your current transfer pin
  3. Follow the onscreen instructions to reset your transfer pin

Get a Loan

To be granted instant loans from Zenith bank, follow the instructions below. 

  1. Dial *966*11# from the phone number linked to your Zenith bank account
  2. Follow the prompts displayed on your mobile phone screen
  3. Select the loan amount you wish to collect from Zenith Bank
  4. Your loan should be promptly delivered to your bank account once you complete the instructions displayed on your phone screen


Anyone can apply for the Zenith loan as long as they have an active Zenith Bank account. Please note that you need to meet all application requirements to be granted the loan.

Pay Your Utility Bills

You can pay your utility bills from the comfort of your living room by simply *966#. Here’s how it works:

  1. To Pay For DStv, GOtv and PHCN:

Dial *966*7*Amount*Customer ID# on your mobile phone and follow the on-screen prompts.

  1. To Transact With Other Zenith Billers:

Dial *966*6*Biller code* Amount# from your mobile phone and follow the instructions.

Secure your Account

To stop all transactions from your account in case of fraud, loss of debit card or compromised USSD pin:

  1. Dial *966*911# from any mobile number
  2. Enter your account number
  3. Follow the instructions to confirm your request 

Open a Zenith Bank Account

You can open a Zenith bank account for yourself. Here’s how:

  1. Dial *966*0# on your phone and follow the instructions
  2. Ensure you put in your correct details and information 
  3. Your account number will be automatically generated and sent to you via SMS 

 Bet9ja Dealings

You can use the Zenith bank USSD code for your Bet9ja deposits for an enjoyable betting. Nevertheless, using this Bet9ja USSD incurs a 20 Naira service fee plus VAT for deposit. Here are the steps to follow in order to fund your bet9ja account:

  1. Dial 966*6*2389# (the Zenith bank USSD code for bet9ja) from the phone number linked to your Zenith bank account
  2. Input your Bet9ja User ID
  3. Then enter the amount you want to fund your Bet9ja account with
  4. Next, confirm your account details and authorise the transaction with your USSD pin
  5. If successful, your Bet9ja wallet will be credited with the deposited funds instantly and a confirmation message will be sent to you

BetKing Dealings

You can use the swift code to fund your BetKing account. This means that BetKing sports betting just got easier and more enjoyable. Note that the minimum deposit on BetKing via zenith mobile transfer is 50 Naira, plus a service fee of 20 Naira. Below are the steps used to deposit money on BetKing:

  1. Via the mobile number linked to your zenith account, dial *966*6*7842#
  2. Enter your BetKing 6 or 7 digit UserID
  3. Enter the amount you wish to fund your BetKing account with
  4. Enter your transfer pin
  5. Proceed with your payment
  6. If successful, you will receive a notification sms confirming the deposit and your BetKing account will be funded within 24 hours 

Zenith Bank USSD Code For SportyBet

It is now very easy for you to make deposits into your SportyBet account as a Zenith bank user. Your mobile number has to be linked to your SportyBet account to make a deposit successfully. Follow this process: 

  1. Launch your mobile phone app and dial *723*04347201*deposit Amount#
  2. Enter your mobile number to register with SportyBet
  3. Select the desired method of payment and input your bank account pin in the dialogue box and send
  4. A message confirming your successful deposit will be sent to you

How To Deactivate Your Zenith Bank Mobile Banking Profile

When you deactivate your mobile banking profile, it removes access to your account number from the USSD code. This is very useful in cases where your phone has been stolen or your account is at risk of fraud.

To deactivate your mobile banking profile, dial *996*20*0# and ensure you dial the code using your phone number linked to your zenith account. Additionally, you should follow the instructions on your phone screen and your account will be deactivated successfully.

Zenith Bank Virtual Card 

A Zenith bank virtual card allows you to perform web transactions, shop online, pay bills and subscriptions etc. It is accepted both internationally and locally. The virtual card costs 500 Naira and has an international limit of 20 dollars. However, this rate changes constantly. To stay informed, contact the Zenith bank customer support to be updated on the latest rate. The great thing is that you don’t need to visit the bank, you can get a virtual card via USSD code or from the Zenith bank website. 

Dial *966*2273# and follow these easy steps:

  1. Choose “1”and follow the prompts to create your virtual card.
  2. Select “2” and follow the prompts to retrieve your PAN,CVV and virtual card expiry date.
  3. Pick “3” and follow the prompts to create a virtual card pin


If you would like to get the Zenith bank virtual card through the zenith bank website, click on this Zenith bank virtual card link 

List of Zenith Bank USSD Codes

The Zenith bank mobile codes are a combination of unique short codes that provides a fast and secure way to make bank transactions without an internet connection or airtime balance (this is subject to your network service provider). These codes have a lot of different uses and variations as well. Here is a list of all the USSD codes for Zenith bank mobile transactions:

  • Activate USSD banking *966*0#
  • Airtime for others *966* Amount*Mobile number#
  • Airtime for self *966*amount#
  • Block all debit transactions on lost phone *966*911#
  • Block Zenith ATM Debit Card *966*60#
  • Card-less  withdrawals *966*60#, select option “7”
  • Check account balance *966*0#
  • Check Zenith bank account number *966*0#
  • Deactivate Eazy Banking Profile *966*20*0#
  • Increase daily transaction limit *966*60#
  • Money transfers  *966*Amount*Account number#
  • Retrieve Zenith bank ATM debit card PIN *966*60#
  • Update BVN details *966*BVN#
  • Zenith Bank Payday Loan *966*11#

Common Questions and Answers

What do I need to use Eazy Banking?

You need a mobile phone, a Zenith bank account and a registered phone number that is linked to your bank account.

What is the *966# Eazy Banking transfer limit?

The transfer limit for money transfers is N100,000 daily. While the transfer limit for Airtime top-up is N3000 daily.

Do I need to use a particular network to use the Zenith Bank Code?

No, you do not. The Zenith bank transfer code works on all mobile devices and is available on all telecommunication networks in Nigeria. (MTN, GLO, 9mobile, Airtel).

How much is the service fee?

Zenith bank won’t charge you any fee for activating the USSD code. However, your mobile network will charge you a service fee of 6.98 Naira every time you use the quick code to make a transfer.  

Do I need a password?

The Zenith bank USSD code is very secure as it requires a 4 digit secret PIN to authorise all transactions. Keep your Zenith USSD pin safe to avoid unauthorised transactions. If you feel that your pin has been compromised, you can either block your account or change your pin.

How can I deactivate my Zenith bank account?

To deactivate your Zenith bank account dial *966*911#. You can dial this code from any phone number and provide your account details to instantly block your account.

Who Can Use The *966# Zenith Bank EasyBanking Service?

The Zenith bank easy banking service (*966#) is open to all Zenith bank individual account holder.

Can I Get A Loan Using Zenith Bank Easy Banking Service?

Yes, to get a loan from Zenith Bank, dial *966*11# and follow the promt.

Benefits Of Zenith Bank Transfer Code

There is a lot you can do with the *966# code from Zenith bank. 

  1. Simple and easy code to transfer money from Zenith bank
  2. Self help service that is fast and efficient
  3. A better alternative without using Internet connection
  4. Available 24/7
  5. Works across all telecommunication services


That’s it! I have shown you all there is to know about the Zenith Bank code and answered some commonly asked questions. Hopefully, you find this article useful and put some of the information here to practice. I would love to hear about your thoughts and experiences in the comments.

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Written by Victoria