Did you move your primary bank account to Rubies Microfinance Bank recently? If yes, you’ll need to unlearn and relearn so much stuff. One of the first things to learn is how to use the Rubies Microfinance Bank transfer ussd codes for transactions on your cellphone.
Using transfer ussd codes is nothing new. Most banks offer an option to send money, receive money, pay bills, and purchase airtime using their specified transfer ussd codes. Rubies Microfinance Bank isn’t an exception.
In this post, you’ll learn how to activate your Rubies Microfinance Bank transfer ussd codes for seamless transactions from any mobile phone with a SIM card.
What is Rubies Microfinance Bank ussd code?
Similar to FirstBank’s Quick Banking and UBA’s Magic Banking, Rubies Microfinance Bank brings the flexibility of USSd banking to its users through its USSD code initiative.
With the Rubies Microfinance Bank ussd code, you can carry out most of your banking transactions on any smartphone, even without an internet connection.
Unlike most other banks that offer a USSD banking option, Rubies Microfinance Bank gifts users many exclusive benefits for transacting with the USSD code.
While most retail accounts support USSD code, you can’t use the Rubies Microfinance Bank transfer ussd codes if you hold a domiciliary account, a Rubies Microfinance Bank Children’s Account, or any Premium account tiers.
If you don’t hold any of the accounts specified above, you can proceed below to learn how to activate your USSD code account and start using Rubies Microfinance Bank ussd code.
How to activate the Rubies Microfinance Bank ussd transfer code
Rubies Microfinance Bank doesn’t automatically activate the transfer ussd codes for all eligible users. If you intend to make transactions using the USSD code, you must manually sign up through the steps outlined below.
Dial *7797# Special Rubies Bank ussd Code or Rubies Bank transfer code. It is the USSD code you’ll always dial on your cellphone whenever you need to make USSD transactions with your Rubies Bank account.
To initiate the USSD session, dial *7797# Special Rubies Bank USSD code or Rubies Bank Transfer Code on your mobile phone. After dialing the code, a menu will appear on your screen. This menu lists various services you can access using Rubies Bank USSD Code or Rubies Bank Transfer Code. Each service will have a corresponding number. Reply with the number associated with the service you want to use.
Dialing this code will evoke a prompt warning that you’ll be shelling out a N6.98 service charge for USSD transactions on the network. If you’ve used transfer ussd codes from other banks, you should know that this is the industry standard.
Enter the last digits of your Rubies Microfinance Bank debit card number
You only need to enter the last six digits, and you can only proceed if it matches the numbers on Rubies Microfinance Bank records.
If you don’t have an account associated with your phone number, you’ll get a prompt with the message, accompanied by an option to create an account with Rubies Microfinance Bank.
If you get this message despite having an account with Rubies Microfinance Bank, you may need to contact the bank’s support to rectify the error.
Choose a PIN
After entering the numbers on your debit card, the following prompt will ask you to choose a PIN to secure your USSD transactions.
This PIN is different from the debit card PIN that you use to make ATM and debit transactions. Also, we don’t recommend entering your debit card PIN here, as it only makes your account less secure overall.
Remember,Rubies Microfinance Bank USSD code is only as secure as your PIN. If someone can access your phone and your PIN, they can carry out any transaction without access to any other information relating to your account.
After entering a strong PIN twice, you should receive a confirmation message from Rubies Microfinance Bank with your account summary.
If you made it to this stage without any hitches, you’ve successfully created a Rubies Microfinance Bank ussd code account. Now, you can use the *7797# Rubies Microfinance Bank transfer ussd codes to make transactions on your account.
If you don’t know what transactions you can make through the USSD code feature on your phone, the next section will explain it in detail.
How to Transact Using *7797# ussd transfer code
You’ve set up your Rubies Microfinance Bank ussd code account; now what? How do you make regular banking transactions without ever downloading the Rubies Microfinance Bank app?
This section outlines some use cases of the Rubies Microfinance Bank ussd code and how you can carry out these transactions.
If you don’t have a Rubies Microfinance Bank account already, dialing the transfer ussd codes will only result in a prompt to open an account.
Opening a Rubies Microfinance Bank account through USSD code is easy and free, and you can get an account number without doing any paperwork.
If you want a debit card, however, you may have to visit a Rubies Microfinance Bank branch. Your phone can’t print out a card, you know?
If you purchase airtime quite frequently, you should always do it using the Rubies Microfinance Bank ussd code.
To buy airtime using the Rubies Microfinance Bank transfer ussd code, dial *7797# follow up to the step that will lead you to the amount you want and enter your PIN to authorize the transaction.
The first 7797 Rubies Microfinance Bank customers to purchase airtime using the Rubies Microfinance Bank ussd code ” will get twice the recharge amount if it is N500 or more, but not more than N1,000.
Money transfer is the most popular feature of ussd code. It allows you to transfer money to anyone with a bank account regardless of the bank.
You can make a transfer by dialing *7797# and follow up the steps and then you can put amount you want to transfer. finally You will have to enter your PIN to authorize the transaction.
Apart from transferring money and purchasing airtime, you can also update your BVN, make cardless withdrawals, retrieve your card PIN and even block your debit card using the Rubies Microfinance Bank ussd code.
More Bank Transfer ussd Codes
Rubies Microfinance Bank ussd code makes transactions easy. Banking activities that require human presence at a bank branch are now possible from a cellphone without an internet connection.
However, you should note some of the charges and limits associated with this service.
For example, you shell out a N6.98 service charge for every transaction, and you can’t purchase airtime of over N3,000 in 24 hours.
Most people will agree that the advantages of the service eclipse these charges and limits, making USSD code is a welcome initiative.