USSD Codes for Heritage Bank: The Complete Directory
Searching for a complete list of Heritage Bank USSD codes? This directory gathers every code that most customers used, explains what each one did, and shows how to read the format. It also does something older lists never did: it tells you clearly which codes still matter today, and which ones belong to the past.
The short version is this. The Central Bank of Nigeria revoked Heritage Bank’s licence on 3 June 2024, and the bank is now being wound up by the Nigeria Deposit Insurance Corporation, or NDIC. A closed bank cannot run a banking menu, so the codes below are a historical record and not a working service.
Use the directory to understand old transactions, and use the final sections to find the steps that actually help you now.
| Code | Former purpose | Status in 2026 |
|---|---|---|
| *745# | Main Heritage Bank USSD menu | Not a working banking service |
| *745*0# | Check account balance | Not available |
| *745*1*Amount*AccountNumber# | Transfer within Heritage Bank | Not available |
| *745*Amount# | Buy airtime for your own number | Not available |
| *745*Amount*MobileNumber# | Buy airtime for another number | Not available |
| *745*00# | Change USSD PIN | Not available |
Quick answer: what is the main Heritage Bank USSD code?
The main code was *745#. Dialling it opened a menu of services. The shorter codes in the table above were shortcuts that let customers skip the menu and go straight to one task. Today none of them should be used to carry out banking.
How to read a USSD code
A code has a start, a middle and an end. It begins with a star, the middle parts are separated by more stars, and it ends with a hash. Words such as Amount or AccountNumber are placeholders that you replace with real values.
| Part | Meaning |
|---|---|
| *745 | The service number of the bank |
| *1 | The option chosen, such as a transfer |
| *Amount | The number of naira to move or buy |
| *AccountNumber | The account that receives the money |
| # | Tells the network that you have finished |
Balance codes
The balance code was *745*0#. It returned your available balance on screen or by message. People used it to check salary alerts, confirm a transfer and avoid overdrawing. With the bank closed, a balance on screen would not be reliable, and you should rely on official claim information instead.
Transfer codes
The transfer code for another Heritage account followed the pattern *745*1*Amount*AccountNumber#. After you sent it, the system asked for your PIN to confirm. Some customers also used other options in the menu to send money to other banks, but we do not list those formats because the service is closed and details were not stable.
If a customer wanted to move five thousand naira, they would replace Amount with 5000 and AccountNumber with the ten digits of the receiver. Never type real details into old codes today.
Airtime codes
Two formats covered airtime. For your own phone, the code was *745*Amount#. For another number, it was *745*Amount*MobileNumber#. The airtime was paid from your account, so you needed funds and a valid PIN. Today, buy airtime through an active bank or a wallet.
PIN codes
The PIN code *745*00# let a customer change the USSD PIN. A PIN is like a key, and the advice for any bank remains the same: choose numbers that nobody can guess, avoid birth years, and never tell anyone.
The main menu offered more than these five tasks, including registration and extra payment options. Because the bank is closed, we do not list unverified formats here. Any website that claims to give you the full working menu is either old or misleading.
How registration worked in general
Banks usually ask you to register your phone number before USSD works. The number must match the one linked to your account. If you changed your SIM, you had to register again. This is a standard security step across Nigerian banks, and it is why you should always use the number linked to your own account.
Then and now
| Question | Then | Now |
|---|---|---|
| Can I check my balance by USSD? | Yes, with a registered number | No, the bank is closed |
| Can I transfer money? | Yes, with a PIN | No |
| Where is my money? | In the bank | With the liquidator, paid through claims |
| Who do I contact? | The bank | The deposit insurer |
| What if I get a new Heritage code by message? | Not applicable | Treat it as a scam |
Directory of what to do now
Instead of a list of codes, here is a list of the actions that help a former Heritage customer today.
| 1 | Confirm your BVN and phone number are correct at your active bank. |
| 2 | Check whether you have another account where the NDIC can send money. |
| 3 | If you have no other account, prepare your identification and account proof. |
| 4 | Visit the nearest NDIC office or use the official claim form. |
| 5 | Keep your claim receipt and reference number. |
| 6 | Follow up in writing if the payment is delayed. |
Insured deposits
The NDIC pays insured deposits up to ₦5 million per depositor. This covered the large majority of Heritage customers. If your balance was within that limit, your main task is to make sure the NDIC can pay you through a verified account.
Balances above the limit
If your balance was higher than the insured limit, you can expect liquidation dividends. These are paid as the liquidator recovers loans and sells assets, which means payments come in stages. A first dividend started in 2025 and a second of about ₦24.3 billion was declared in January 2026.
Directory of safe contacts
- The nearest NDIC office for in-person claims.
- The NDIC’s official website for the claim form.
- Your active bank for BVN and account updates.
- The Central Bank’s consumer channel if you have a complaint about an active bank.
- A trusted family member to go with you, if you need support.
Directory of scam patterns
Any person who asks you to pay a fee to get your money is not honest.
A message that says the Heritage Bank USSD code has changed is false.
Scammers use pressure. Real processes give written notice.
Do not enter your BVN or card details on links that arrive by message.
Check the address before you go and ask neighbours or officials to confirm.
Common errors people report with old codes
| Message | Likely cause | What to do |
|---|---|---|
| Connection problem or invalid code | Service is no longer running | Stop dialling and use official claim channels |
| Service not available | Bank closure | Contact the NDIC, not the old bank |
| Request timed out | Network or closed service | Do not retry with your PIN |
How to find your new bank’s USSD code safely
- Open your bank’s official app and look under self-service or help.
- Visit a branch and ask the staff to write it down.
- Check the back of your debit card or the leaflet that came with your account.
- Avoid codes copied from social media posts.
- Always read each screen before confirming.
- Check that the account name matches the person you intend to pay.
- Do not share your PIN.
- Dial only from your registered SIM.
- Keep your SIM safe and report a loss at once.
- Save your transaction messages.
Tips for older records
If you still have old SMS alerts or statements from Heritage Bank, keep them. They can help prove that you held an account, show your account number and describe your last known balance. Back them up as photos and keep a printed copy with your important papers.
Three typical customer cases
Your balance was under the insured limit. Check the account linked to your BVN for the payment. If nothing arrived, visit an NDIC office with your identification.
You are likely to get the insured part first and dividends later. Keep your statements and claim receipt for the long wait.
Help them open an account at an active bank, link their BVN and then follow up with the NDIC so that payment has somewhere to go.
Services that were linked to your Heritage account
A bank account is often connected to other things in your life. When the bank closed, those connections stopped working too. Make a list of everything that used your Heritage account and move each one to an active account.
- Salary payments from your employer.
- Standing orders for rent, school fees or savings.
- Direct debits for subscriptions and loan repayments.
- Mobile wallets and betting apps that were funded from the account.
- Business invoices that carry the account number.
- Government or tax payments linked to the account.
How to tell people your account details changed
Send a short message to employers, landlords, clients and family who may still hold your old account number. Give them the new account name and number and ask them to confirm by phone before they pay. Never send a payment request that looks like it came from the old bank.
How a liquidation works, step by step
| 1 | The regulator withdraws the licence and the bank stops operating. |
| 2 | The deposit insurer is appointed liquidator and takes control of the books. |
| 3 | Insured deposits are verified and paid first. |
| 4 | The liquidator collects loans and sells assets. |
| 5 | The money recovered is shared as dividends with depositors above the insured limit and with other creditors. |
| 6 | The process continues until the liquidator has finished recovering and paying. |
This is why a fixed date for the last payment is hard to give. The pace depends on how much the liquidator can recover.
Document checklist
| Document | Why it helps |
|---|---|
| Valid identification | Proves who you are |
| Account number or old statement | Proves you held an account |
| BVN | Matches your records to payment details |
| Details of another account | Lets the insurer pay you directly |
| Debit card or cheque book | Extra proof of ownership |
| Passport photograph | Sometimes asked for in person |
Update your BVN details at your active bank
Payments through BVN only work when your details are correct. Visit your active bank if your phone number changed or if the name on your records is spelt differently from your identification. A small mismatch can delay a payment for months.
Why many bank code lists are out of date
Bank USSD codes change, banks merge, and some banks close. Pages written years ago are rarely updated, so they continue to show codes as if everything still works. When you read any list, check the date and check the status of the bank. A code list without a status is incomplete.
A note on previous bank closures
Heritage Bank is not the only Nigerian bank to lose its licence. The deposit insurer has reported that the regulator revoked the licences of many banks between 2000 and 2024. Each case follows the same pattern: the bank stops operating, a liquidator is appointed and depositors are paid in stages. Knowing the pattern helps you stay calm and avoid rumours.
Plan your banking after Heritage
Pick an active bank that suits how you live. Look at its app, its USSD menu, its fees and its branch or agent network near you. Many people keep two accounts at different banks, so that one problem never stops all their money. Start with a small deposit and test every channel before you move your salary.
- Check that the bank is licensed and active.
- Compare monthly charges and transfer fees.
- Test the app and USSD menu with a small amount.
- Set transaction alerts on your phone.
- Learn the bank’s official customer care channels.
Teach your family the same habits
The easiest way to avoid scams is to talk about them. Tell family members what happened with Heritage Bank, show them how real claims work, and agree a simple rule: nobody pays a fee to receive their own money, and nobody shares a PIN. A five-minute talk can save a lot of money.
What to keep after your claim is finished
Once you have been paid, keep the receipt, the bank statement showing the credit and any letters from the liquidator for several years. If you later need to prove a payment, or if a dividend arrives for a larger balance, those papers make the process easy.
Questions people ask about the directory
None of the banking codes should be treated as working. The bank is closed.
Many pages were written before the closure and were never updated.
No. Use an active bank, a wallet or another verified channel.
Insured deposits are paid by the NDIC. Follow official claim channels and do not pay anyone for help.
The licence was revoked and the bank is in liquidation. Follow official announcements for any change.
Final thoughts
This directory shows every main Heritage Bank USSD code and what it once did, but the honest answer in 2026 is that these codes are history. The best use of this page is to help you read old records and to guide you toward the steps that can still bring your money back. Rely on official NDIC channels, keep your BVN safe, and move your everyday banking to an active bank with its own verified USSD code.
