Wema Bank Transfer Code & Wema Bank USSD Code (2024)

Did you move your primary bank account to Wema 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 Wema Bank transfer code for transactions on your cellphone.

Using transfer code is nothing new. Most banks offer an option to send money, receive money, pay bills, and purchase airtime using their specified transfer code.  Wema Bank isn’t an exception.

With the introduction of Wema Bank Alat, 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 Wema Bank transfer code for seamless transactions from any mobile phone with a SIM card.

What is Wema Bank Transfer Code /WEMA Bank Ussd Code ?

Similar to FirstBank’s Quick Banking and UBA’s Magic Banking, Wema Bank brings the flexibility of USSd banking to its users through its Alat initiative.

With the Wema Bank transfer 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, Wema Bank gifts users many exclusive benefits for transacting with the USSD code.


While most retail accounts support Alat, you can’t use the Wema Bank transfer code if you hold a domiciliary account, a Wema 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 Alat account and start using Wema Bank’s transfer code.

How to activate the Wema Bank transfer code

Wema 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.

Dial *945#

Wema Bank Transfer Code is *945# also known Wema Bank Ussd code. It is the USSD code you’ll always dial on your cellphone whenever you need to make USSD transactions with your Wema Bank account.

Dial *945# Wema Bank Transfer code or Wema Bank Transfer Code on your mobile phone To initiate the USSD session. After dialing the code, a menu will appear on your screen. This menu lists various services you can access using Wema Bank USSD Code or Wema 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 codes from other banks, you should know that this is the industry standard.

  • Enter the last digits of your Wema Bank’s debit card number

If you have an account with Wema Bank, you should get to a page where you can enter the number on the debit card associated with your Wema Bank account.

You only need to enter the last six digits, and you can only proceed if it matches the numbers on Wema Bank’s 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 Wema Bank.

If you get this message despite having an account with Wema 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, Alat 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 Wema Bank with your account summary.

If you made it to this stage without any hitches, you’ve successfully created a Wema Alat account. Now, you can use the *945# Wema Bank transfer code to make transactions on your account.

If you don’t know what transactions you can make through the Alat feature on your phone, the next section will explain it in detail.

How to Transact Using Wema Bank Transfer Code

You’ve set up your Wema Bank account; now what? How do you make regular banking transactions without ever downloading the Wema Bank app?

This section outlines some use cases of the Wema Bank transfer code and how you can carry out these transactions.

  • Account Opening

If you don’t have a Wema Bank account already, dialing the transfer code will only result in a prompt to open an account.

Opening a Wema Bank account through Alat 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 Wema Bank branch. Your phone can’t print out a card, you know?

  • Airtime Purchase

If you purchase airtime quite frequently, you should always do it using the Wema Bank transfer code.

To buy airtime using the code, dial *945*phone number*amount# and enter your PIN to authorize the transaction.

The first 945 Wema Bank customers to purchase airtime using the Wema Bank transfer code will get twice the recharge amount if it is N500 or more, but not more than N1,000.

  • Money Transfer

Money transfer is the most popular feature of Alat. It allows you to transfer money to anyone with a bank account regardless of the bank.

You can make a transfer by dialing *945*recipient’s account number*amount# 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 Wema Bank transfer code.


More Bank Transfer Codes

Keystone Bank Transfer Code

Sterling Bank Transfer Code

GTBank Transfer Code

Ecobank Transfer Code

UBA Transfer Code

Heritage Bank Transfer Code

Stanbic Ussd 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 Ussd Code

Access bank Ussd Code

Diamond bank Ussd Code

Globus Bank Ussd Code

Accion MfB Ussd Code

lotus bank transfer code

jaiz bank transfer ussd code

opay ussd code

standard chartered bank Ussd Code

palmpay ussd code

suntrust bank ussd code

paylater ussd code

hope bank transfer code

premium Trust Bank ussd code

moniepoint ussd code

alat Ussd code

payattitude ussd code

Optimus Bank Ussd code

Titan trust Ussd code

rubies bank Ussd code

Taj bank Ussd code


Wema Bank transfer 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 Alat is a welcome initiative.

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