Heritage Bank USSD Code (Yes, it’s still the same in 2024!)

Heritage Bank USSD code is your key to convenient mobile banking, allowing you to perform various transactions directly from your phone without needing an internet connection. This guide will be your one-stop shop for everything related to Heritage Bank USSD code, making your banking experience a breeze.

What is Heritage Bank USSD Code 2024

The Heritage Bank USSD code is *745#. This code grants you access to a menu of options for transactions like checking your account balance, transferring funds, buying airtime, and more.

Example: Dial *745# on your phone and press send. You’ll see a menu with options like “Balance Inquiry,” “Funds Transfer,” “Airtime Top-Up,” etc. Simply select the option you desire to perform your transaction.

List Of All Heritage Bank USSD Code

Here’s a table summarizing the most commonly used Heritage Bank USSD codes and their functions:

CodeFunction
*745#Accesses the USSD Banking Menu
*745*0#Checks Account Balance
*745*Account Number*Last 6 digits of Debit Card# (Register)Activates USSD Banking
*745* Amount * Phone Number#Transfers Funds (Within Heritage Bank)
*745* Amount * Phone Number (Other Bank)#Transfers Funds (To Other Banks)
*745* Amount * Phone Number# (Select Network Provider)Buys Airtime (for Yourself)
*745* Amount * Phone Number (Other Phone Number)#Buys Airtime (for Someone Else)
*745*8#Pays Bills (Select Biller Category)

Note: This table covers some core functionalities. The USSD menu might offer additional options depending on updates from Heritage Bank.

How to Register Heritage Bank USSD Code

Here’s how to register for Heritage Bank USSD banking:

  1. Dial *745*Account Number*Last 6 digits of Debit Card# on your phone.
  2. Reply with “1” on the screen to agree to the terms and conditions.
  3. Choose your debit card type (Visa, Mastercard, etc.)
  4. Enter the expiry date printed on the back of your debit card.
  5. Select the account number you want to use for transactions (if you have multiple accounts).
  6. Create a 4-digit PIN for your USSD banking transactions.
  7. Confirm your account number and chosen PIN.

Once you complete these steps, you’ll be successfully registered for Heritage Bank USSD banking!

Heritage Bank USSD Code to Check Balance

To check your Heritage Bank account balance using the USSD code:

  1. Dial *745# on your phone.
  2. Select “Balance Inquiry” from the menu options.
  3. You’ll receive a message displaying your current account balance.

Heritage Bank USSD Code Without ATM Card

While activating USSD banking requires your debit card details initially, you can perform most transactions without your physical ATM card after registration. The USSD PIN you create during registration becomes your key for secure transactions.

Heritage Bank USSD Code for Transfer

Here’s how to transfer funds using Heritage Bank USSD code:

  1. Dial *745# on your phone.
  2. Select “Funds Transfer” from the menu.
  3. Choose “Within Heritage Bank” or “To Other Banks” depending on your transfer recipient’s bank.
  4. Enter the amount you want to transfer.
  5. Input the recipient’s phone number.
  6. If transferring to another bank, you might need to enter the recipient’s bank code (This information can be obtained from the recipient’s bank).
  7. Confirm the transfer details.
  8. Enter your USSD PIN to complete the transaction.

Heritage Bank USSD Code Nigeria

The Heritage Bank USSD code *745# is specifically designed for Heritage Bank customers in Nigeria. This service is currently not available for users outside Nigeria.

Heritage Bank Customer Care

For any inquiries or assistance beyond USSD banking functionalities, you can contact Heritage Bank customer care through the following methods:

  • Call Center: 234-700-CALLHER (2255437)
  • Email: https://www.hbng.com/contact/
  • Visit your nearest Heritage Bank branch.

Heritage Bank Transfer Code to Another Bank

Transferring money to someone with a bank account outside Heritage Bank is also possible using the USSD code. Here’s how:

  1. Dial *745# on your phone.
  2. Select “Funds Transfer” from the menu.
  3. Choose “To Other Banks.”
  4. Enter the amount you want to transfer.
  5. Input the recipient’s account number.
  6. You’ll likely be prompted to select the recipient’s bank from a list. Choose the appropriate bank. (Heritage Bank might update this list periodically, so the specific banks shown may vary).
  7. Depending on the selected bank, you might need to enter an additional code. This code, sometimes called the bank code or transfer code, is unique to each bank and can be obtained from the recipient’s bank or their website.
  8. Review the transfer details carefully, including the recipient’s name (if displayed), amount, and bank.
  9. Enter your USSD PIN to authorize the transfer.

Important Notes:

  • Interbank transfers using USSD might have transaction limits set by Heritage Bank. These limits can change, so it’s always a good idea to check with Heritage Bank for the latest limits before initiating a transfer.
  • Interbank transfers might incur additional charges compared to transfers within Heritage Bank. Be sure to review any fees associated with the transaction before confirming.

Heritage Bank USSD Code for Airtime

Recharge your phone or someone else’s with ease using the Heritage Bank USSD code for airtime:

  1. Dial *745# on your phone.
  2. Select “Airtime Top-Up” from the menu.
  3. Choose “Self Top-Up” to recharge your own phone number or “Top-Up Other Phone” to recharge another phone.
  4. Enter the amount of airtime you want to recharge.
  5. Input the phone number you want to recharge (your number for self top-up).
  6. If recharging another phone, select the network provider of the recipient’s phone number (MTN, Airtel, Glo, etc.).
  7. Confirm the recharge details (amount, phone number, network).
  8. Enter your USSD PIN to complete the transaction.

Tip: You can save frequently used phone numbers for airtime top-up as beneficiaries within the USSD menu for faster transactions in the future.

FAQs About the Heritage Bank USSD Code

Here are answers to some of the most frequently asked questions regarding Heritage Bank USSD code:

  • How do I use my USSD code for Heritage Bank?

Dial *745# and follow the menu options for your desired transaction (balance check, transfer, airtime, etc.).

  • How do I check my Heritage Bank account balance?

Dial *745# and select “Balance Inquiry” from the menu.

  • What is the USSD code for money transfer?

745 (This is followed by additional digits depending on the transfer type – Within Heritage Bank or To Other Banks).

  • How to activate Heritage mobile banking?

Heritage mobile banking refers to their app. USSD code activation is for USSD banking, not the app. You can find app download instructions on the Heritage Bank website (https://www.hbng.com/internet-banking/).

  • How do I check my Account Number with my phone?

Unfortunately, the USSD code currently doesn’t offer a direct way to retrieve your account number. However, you can check your account statements through the Heritage Bank app or internet banking for your account number.

  • Does Heritage Bank have a mobile app?

Yes, Heritage Bank offers a mobile app for a wider range of banking functionalities. You can download the app from the app store or Google Play Store by searching for “Heritage Bank.”

  • Can you check your bank balance online?

Yes, you can check your balance online through Heritage Bank internet banking. You can access internet banking by visiting the Heritage Bank website (https://www.hbng.com/internet-banking/) and logging in with your online banking credentials.

Conclusion

The Heritage Bank USSD code *745# empowers you to manage your finances conveniently from your phone. With this guide, you’re now equipped to perform various banking transactions like balance checks, transfers, airtime recharge, and more, all without needing an internet connection. Remember, for any questions beyond USSD functionalities, Heritage Bank customer care is always available to assist you.