
To access all Zenith Bank services using your mobile phone, you simply need to dial the USSD code *966#. This is the code that unlocks a world of possibilities, from checking your account balance to transferring funds.
The USSD code is designed to be user-friendly and easy to use. Simply dial *966# and follow the prompts to access the various services offered by Zenith Bank.
With the USSD code, you can check your account balance, pay bills, and even transfer funds to other accounts. It's a convenient and secure way to manage your finances on the go.
Whether you're at home, at work, or on the move, the USSD code is always available to help you take control of your finances.
Account Management
To open a Zenith Bank account, simply dial the USSD code *966*0# and follow the onscreen prompts. Your account number will be created automatically and sent to you via SMS.
You can check your Zenith Bank account balance by dialling *966*00# and following the prompts. Alternatively, you can use the mobile app to check your account balance.
To register and activate the Zenith Bank USSD code service, dial *966*00# on the mobile number linked to your Zenith Bank account, and then enter the last 4 digits of your Debit (ATM) card number.
Open Account
Opening a Zenith Bank account has become a breeze, thanks to the USSD code service. Simply dial *966*0# and follow the on-screen prompts.
Your account number will be automatically generated and sent to you via SMS. This is a convenient feature that saves you the hassle of filling out account opening forms.
To register and activate the USSD code service, you'll need to dial *966*00# on the mobile number linked to your Zenith Bank account. This will prompt you to enter the last 4 digits of your Debit (ATM) card number.

Once you've entered the card number, your Account Name will be displayed on the screen. You'll then be prompted to create a 4-digit PIN for transactions.
Here are the steps to open a Zenith Bank account using the USSD code service:
1. Dial *966*0#
2. Follow the on-screen prompts to create an account
3. Your account number will be generated and sent to you via SMS
Bvn
Your bank verification number, also known as your BVN, is one of the most important digits you'll need to manage your account.
To get your Zenith BVN code, simply dial *966*BVN# with the mobile number linked to your Zenith account number to update your bank verification number.
This number can be requested anytime you visit a bank, so it's essential to have it readily available.
To update your BVN, follow the onscreen prompts after dialing the code.
Transfers and Payments
You can transfer funds from your Zenith Bank account using the *966# code. To do this, dial *966*Amount*Account Number# from your registered phone number.
The maximum daily transfer limit for Zenith Bank users is 100,000 naira.
To transfer funds, you'll need to enter your 4-digit transfer pin, which you created during the activation process.
To pay bills, such as DStv and PHCN, dial *966*7*Amount*Customer ID# from your mobile phone and follow the on-screen prompts.
Here's a list of the available biller codes:
Note that your mobile network will charge you a service fee of 6.98 naira for each transaction.
Check Balance
You can check your Zenith Bank account balance by dialling *966*00# from the phone number you registered with Zenith Bank, then following the on-screen prompts.
You can also use the mobile app to check your account balance, making it easy to stay on top of your finances.
To check your balance using the mobile app, simply log in and you'll have instant access to your account information.
Alternatively, you can use the Zenith Bank code *996*00# to check your account balance, which will display your current balance on your screen and send an SMS notification with your account balance.
Remember to use the phone number linked to your Zenith Bank account to check your balance.
Transfer Funds Conveniently
You can transfer funds conveniently using the Zenith Bank USSD code.
To get started, dial *966*Amount*Account Number# from the phone number you registered with Zenith Bank, then follow the on-screen prompts. This will send money to the recipient's account immediately.
The recipient's account and transaction details will be displayed on the screen for your review. You'll also receive a debit alert confirming the transaction.
The daily transfer limit for zenith bank users is 100,000 naira, so be mindful of that when making a transfer.
If you're worried about your phone being stolen or your account being at risk of fraud, this service is very useful.
Pay Utility Bills
To pay your utility bills, you can use the Zenith mobile banking code *966#. This is a convenient way to pay bills from the comfort of your living room.
You can pay your DStv and PHCN bills by dialing *966*7*Amount*Customer ID# on your mobile phone and following the on-screen prompts.
To pay other Zenith Billers, simply dial *966*6*Biller code*Amount# on your mobile phone and follow the instructions.
You can pay your utility bills 24/7, without using an internet connection.
Here are the steps to pay your utility bills:
1. Dial *966*7*Amount*Customer ID# on your mobile phone for DStv and PHCN bills.
2. Dial *966*6*Biller code*Amount# for other Zenith Billers.
Note: You will be charged a service fee of 6.98 naira by your mobile network for each transaction.
Airtime
Buying airtime on the go is a convenient option, especially when you need to top up quickly. You can use the Zenith bank code for airtime, which is *996#.
To buy airtime for yourself, dial *966*amount# on your call app, and enter your four digit pin to complete the transaction. If successful, your mobile number will be credited immediately with the airtime you purchased.
You can buy airtime worth up to 3000 naira daily using the Zenith bank USSD code for airtime. For example, to buy 200 naira worth of airtime, dial *966*200#.
To buy airtime for others, dial *966* amount*Mobile number# on your call app. For example, to buy 200 naira airtime for mobile number 08012345678, dial *966*200*08012345678.
The airtime will be credited immediately to the number if the transaction is successful. You can also use the USSD code to check your BVN for Zenith bank to confirm if it has been updated.
Bet9ja
To fund your Bet9ja account, you can use the USSD code provided by Zenith Bank. The code is 966*6*2389# and it deducts a 20 naira service fee plus VAT for deposit.
Dialing the USSD code from the phone number linked to your Zenith bank account will take you to the next step.
Input your Bet9ja User ID to continue the process.
You'll then enter the amount you want to fund your Bet9ja account with.
Next, confirm your account details and authorize the transaction with your USSD pin.
If successful, your Bet9ja wallet will be credited with the deposited funds instantly and a confirmation message will be sent to you.
Mobile Banking
Mobile banking with Zenith Bank is incredibly convenient. You can carry out a lot of online transactions without ever needing to visit the bank.
The Zenith mobile banking code, *966#, allows customers to pay for utility bills, transfer funds, reset their mobile transfer pin, and even deactivate their mobile banking profile if needed.
To start using the Zenith Bank USSD code service, you'll need to register and activate the service on your mobile phone number connected to your account.
Dial the USSD code *966*00# on the mobile number linked to your Zenith Bank account to begin the registration process.
You'll be prompted to enter the last 4 digits of your Debit (ATM) card number, which will display your Account Name on the screen.
To complete the registration, you'll need to create a 4-digit PIN for transactions and confirm it.
Once you've successfully registered, you'll receive an SMS with the balances on all your accounts, and you can start using the Zenith Bank USSD code service.
Here are the steps to register and activate the Zenith Bank USSD code service in more detail:
- Dial *966*00#
- Enter the last 4 digits of your Debit (ATM) card number
- Create a 4-digit PIN for transactions and confirm it
- Receive an SMS with the balances on all your accounts
Features and Services
With the Zenith Bank USSD code, you can perform a wide range of transactions on your account, including checking your account balance and transferring money to other banks.
The code is also used to open a new Zenith Bank account, making it a convenient option for those who want to join the bank.
You can also use the USSD code to recharge airtime, pay bills, and even buy data.
Here are some of the key features of the Zenith Bank USSD code:
The USSD code also allows you to request a loan from Zenith Bank, making it a convenient option for those who need access to credit.
BetKing
BetKing offers a convenient way to fund your account using the Zenith Bank USSD code. You can transfer money directly from your Zenith Bank account to BetKing using the code.
To deposit money on BetKing via Zenith Bank, dial *966*6*7842# on the mobile number linked to your Zenith account, and enter your BetKing 6 or 7 digit UserID.
The minimum deposit on BetKing via Zenith mobile transfer is 50 naira, plus a service fee of 20 naira. This means you'll need at least 70 naira to complete the transaction.
Alternatively, you can use the USSD code *723*04347201*deposit Amount# to transfer funds to your BetKing account.
Virtual Card

The Zenith Bank virtual card is a convenient way to make online transactions, and it can be obtained via USSD code. You can shop online, pay bills, and subscriptions with this card, and it's accepted both internationally and locally.
To get started, dial *966*2273# and follow the prompts. You can choose to create your virtual card by selecting option 1, or retrieve your PAN, CVV, and virtual card expiry date by selecting option 2.
The Zenith bank USSD code, *966#, is a must-have for all account holders. It makes banking easier and faster, eliminating the need to queue at the banking hall for simple tasks like transferring money to other banks.
The virtual card costs 500 naira, and has an international limit of 20 dollars. However, please note that the rate may change, and you should contact the Zenith bank customer support to stay updated on the latest rate.
Features Of The
The Zenith Bank USSD code is a versatile tool that offers a wide range of features to make banking easier and more convenient.

You can use it to check your account balance, and it's a great way to stay on top of your finances without having to visit the bank or use the mobile app.
The USSD code can also be used to open a new Zenith Bank account, making it a great option for those who want to switch banks or open a new account.
Here are some of the key features of the Zenith Bank USSD code:
- Check Account Balance
- Open Zenith Bank Account
- Airtime Recharge
- Transfer Money
- Update BVN
- Bill Payment
- Buy Data
- Generate OTP
- Perform USSD on POS
- Request For Zenith Bank Loan
- Block ATM Card
- Cardless Withdrawal
With the Zenith Bank USSD code, you can also apply for a loan, which can be a lifesaver in an emergency situation.
What Is
Let's break down what we're talking about with features and services. A feature is a specific aspect or function of a product or system that provides a particular benefit or solution to a user's needs.
One key feature of many modern products is the ability to integrate with other services and systems through APIs. This allows users to connect their accounts and access a wider range of tools and functionality.

Having a user-friendly interface is also a crucial feature, making it easy for users to navigate and understand how to use a product. This is especially important for products that are designed for everyday use, such as mobile apps.
The ability to scale and adapt to changing user needs is another vital feature, ensuring that a product remains relevant and effective over time. This might involve updating software or adding new features to meet evolving demands.
For example, a popular mobile app might start with a basic set of features and then gradually add more advanced functionality as it grows in popularity.
Security and PIN
Security is a top priority with Zenith Bank's USSD code. You can reset your transfer pin by dialing *966*60# using the phone number linked to your account.
If you've forgotten your pin or feel it's not secure, this is the way to go. To reset, you'll be asked to type in your current transfer pin.
Dial the code carefully, using your phone number linked to your Zenith account. This ensures the process is secure and successful.
To get the Zenith bank virtual card, you'll need to follow a different set of instructions, which can be found on the Zenith bank website.
Frequently Asked Questions
What is the USSD code for checking balance in Zenith Bank?
To check your Zenith Bank account balance, dial *966*00# on your registered phone number. This USSD code provides instant access to your account information.
Sources
- https://www.zenithbank.com/966/
- https://www.legit.ng/ask-legit/guides/1150751-how-transfer-money-zenith-bank-bank/
- https://www.scholarshipair.com/blog/list-of-zenith-bank-ussd-code-how-to-activate-zenith-bank-ussd-code
- https://www.zenithbank.com/sme-banking/electronic-banking/
- https://hotsaucenaija.com/update-list-of-zenith-bank-ussd-code-and-transfer-codes/
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