Did you move your primary bank account to standard 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 standard bank transfer code for transactions on your cellphone.
Using transfer codes is nothing new. Most banks offer an option to send money, receive money, pay bills, and purchase airtime using their specified transfer code. standard bank isn’t an exception.
With the introduction of standard bank ussd code, you can always carry out banking transactions from your cellphone, even without an internet connection.
In this post, you’ll learn how to activate your standard bank transfer code for seamless transactions from any mobile phone with a SIM card.
What is standard bank ussd code?
Similar to FirstBank’s Quick Banking and UBA’s Magic Banking, standard bank brings the flexibility of USSd banking to its users through its USSD code initiative.
With the standard 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, standard bank gifts users many exclusive benefits for transacting with the USSD code.
While most retail accounts support USSD code, you can’t use the standard bank transfer code if you hold a domiciliary account, a standard 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 standard bank ussd code.
How to activate the standard bank ussd code
standard bank doesn’t automatically activate the transfer code for all eligible users. If you intend to make transactions using the USSD code, you must manually sign up through the steps outlined below.
The *977# is standard bank unique ussd code. It is the code you’ll always dial on your cellphone whenever you need to make USSD transactions with your standard bank account.
As the initial setup steps for most banks, dialing *977# is the first step towards setting up your USSD code account to get access to access USSD banking world.
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 codes from other banks, you should know that this is the industry standard.
Enter the last digits of your standard bank debit card number
If you have an account with standard bank, you should get to a page where you can enter the number on the debit card associated with your standard bank account.
You only need to enter the last six digits, and you can only proceed if it matches the numbers on standard 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 standard bank.
If you get this message despite having an account with standard 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,standard 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 standard bank with your account summary.
If you made it to this stage without any hitches, you’ve successfully created a standard bank ussd code account. Now, you can use the *977# standard bank transfer code 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 *977# ussd code
You’ve set up your standard bank ussd code account; now what? How do you make regular banking transactions without ever downloading the standard bank app?
This section outlines some use cases of the standard bank ussd code and how you can carry out these transactions.
If you don’t have a standard bank account already, dialing the transfer code will only result in a prompt to open an account.
Opening a standard 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 standard 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 standard bank ussd code.
To buy airtime using the code, dial *977*amount*phone number# and enter your PIN to authorize the transaction.
The first 977 standard bank customers to purchase airtime using the standard 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 *977*amount*recipient’s account number# on your phone. You may 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 standard bank ussd code.
More Bank Transfer Codes
Keystone Bank Transfer Code
Sterling Bank Transfer Code
GTBank Transfer Code
Ecobank Transfer Code
UBA Transfer Code
Wema Bank Transfer Code
Heritage Bank Transfer Code
Stanbic ibtc Transfer Code
Unity Bank Transfer Code
Polaris Bank Transfer Code
First Bank Transfer Code
Union Bank Transfer Code
Fidelity Bank Transfer Code
Zenith Bank Transfer Code
Fcmb transfer code
Access bank transfer code
Diamond bank transfer code
Globus Bank transfer code
Accion MfB transfer code
lotus bank transfer code
jaiz bank transfer code
opay ussd and transfer code
standard 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.