List Of Heritage Bank USSD Code and Transfer Code

These days banking services are becoming increasingly convenient and accessible. Heritage Bank, a prominent player in the Nigerian banking sector, has embraced this trend by introducing USSD codes that allow customers to perform various transactions and access services with just a few taps on their mobile phones. In this article, we’ll explore the comprehensive list of Heritage Bank USSD codes, making your banking experience more efficient than ever.

About Heritage Bank

Heritage Bank stands as a cornerstone of the Nigerian banking landscape, embodying innovation, accessibility, and customer-centricity. With a rich history dating back to its establishment, Heritage Bank has consistently evolved to meet the dynamic needs of its customers and the changing landscape of the financial industry.

Part of the banking service Heritage Bank offers include, savings account, fixed deposit account, current account and cooperate account. Heritage bank also grants small scale loans to businesses and individuals as well as cooperate loan to establishments. Heritage bank offer services like internet banking, ATM card service and more.

Founded on a strong foundation of excellence, Heritage Bank has remained committed to delivering unparalleled financial solutions to its diverse clientele. Since its inception, the bank has shown a remarkable dedication to enhancing customer experiences and contributing positively to the nation’s economic growth.

Introduction to Heritage Bank USSD Codes

Heritage Bank USSD codes are a series of short, easy-to-remember digits that allow customers to interact with their bank accounts via their mobile phones. These codes provide a hassle-free way to access various banking services without the need for an internet connection or visiting a physical branch.

How to Register and Activate Heritage Bank USSD Code

Heritage Bank’s USSD codes offer a streamlined and convenient way to access various banking services right from your mobile phone. Whether you’re checking your account balance, transferring funds, or paying bills, these codes make your banking experience smoother than ever. To start using Heritage Bank USSD codes, follow these steps:

  • Dial the registration USSD code: *745#
  • Follow the on-screen prompts to select your preferred language and agree to the terms and conditions.
  • Enter your Heritage Bank account number and confirm.
  • Create a secure and memorable USSD PIN. This PIN will be used to authorize transactions, so keep it confidential.
  • Complete the setup by confirming your activation.

Features and Services of Heritage Bank USSD Code

Heritage Bank USSD codes serve as a gateway to a host of banking services directly from your mobile device. They eliminate the need for internet connectivity and long queues, enabling you to manage your finances with ease. Below are some of the features of Heritage Bank USSD code:

1. Account Balance Inquiry

With just a few taps, you can check your Heritage Bank account balance using the USSD code. Simply dial *745# and follow the prompts to receive an instant update on your funds.

2. Funds Transfer and Payments

Transferring funds between Heritage Bank accounts or to other banks has never been simpler. Dial *745# to initiate a funds transfer and follow the steps to complete the transaction securely.

3. Airtime and Data Purchase

Running low on airtime or data? Use the USSD code to recharge your phone or purchase data bundles without hassle. Enjoy uninterrupted communication and connectivity on the go.

4. Bill Payment Convenience

Gone are the days of standing in line to pay bills. Heritage Bank USSD codes allow you to settle various bills, from utilities to subscriptions, by dialing a single code and following the prompts.

5. Mini Statement on Demand

Curious about recent transactions? Dial *745# to request a mini statement that provides a snapshot of your account’s activities, keeping you informed at all times.

6. PIN Change and Security

Heritage Bank prioritizes your security. Use the USSD code to change your PIN whenever needed, ensuring that your transactions remain confidential and protected.

7. Customer Service at Your Fingertips

Need assistance or have questions? Dial *745# to access Heritage Bank’s customer service via USSD. Get prompt support without the need to visit a branch.

8. Financial Inclusion and Accessibility

Heritage Bank USSD codes contribute to financial inclusion by extending banking services to more people, including those without access to the internet or traditional banking channels. This fosters economic empowerment and accessibility for all.

Benefits of Using Heritage Bank USSD Code

Embracing technology has transformed the way we manage our finances, and Heritage Bank’s USSD codes stand as a prime example of this transformation. These codes offer an array of benefits that enhance the banking experience for customers. Below are some of them:

1. Instant Access Anytime, Anywhere

The greatest advantage of Heritage Bank USSD codes is the ability to access banking services instantly, regardless of your location. Whether you’re at home, at work, or on the go, you can manage your finances with just a few taps on your mobile phone.

2. No Internet Connection Required

Unlike many online banking methods, Heritage Bank USSD codes do not rely on an internet connection. This ensures that you can carry out transactions even in areas with limited connectivity, providing uninterrupted access to essential banking services.

3. Simplified Transactions

Using Heritage Bank USSD codes, you can perform various transactions with ease. From checking your account balance to transferring funds, paying bills, and buying airtime or data, these codes simplify complex processes into simple, step-by-step interactions.

4. Enhanced Security Measures

Heritage Bank prioritizes your security. USSD transactions are protected by your unique PIN, ensuring that only you can access and authorize transactions on your account. This additional layer of security minimizes the risk of unauthorized access.

5. Financial Inclusion and Accessibility

USSD codes bridge the gap between traditional and digital banking, promoting financial inclusion. They offer banking services to individuals who may not have access to the internet or physical branches, enabling greater economic participation.

6. Time and Cost Efficiency

With Heritage Bank USSD codes, there’s no need to wait in long queues or visit a bank branch. This saves you valuable time and reduces the associated costs of transportation and waiting.

7. Personalized Banking Experience

Heritage Bank USSD codes provide a personalized banking experience. You can tailor your interactions based on your specific needs, whether it’s checking your balance, transferring funds, or paying bills.

8. Empowerment Through Self-Service

USSD codes empower you to take control of your finances through self-service. You can initiate transactions at your convenience, reducing reliance on external assistance.

9. Contributing to a Greener Environment

By reducing the need for paper-based transactions and physical visits to branches, Heritage Bank USSD codes contribute to a greener environment. This aligns with the bank’s commitment to sustainability and social responsibility.

List Of Heritage Bank USSD Code

TransactionsHeritage Bank USSD Code
Default Code*745#
Check Account Balance*745*0#
Airtime Top-Up for Self*745*Amount#
Airtime Top-Up for Others*745*Amount*Phone Number#
Fund Transfer to Heritage Bank Account*745*1*Amount* Account Number#
Fund Transfer to Other Bank Account*745*2*Amount*Account Number#
Account Opening*745#
Bill Payment*745# >> Select Pay Bills
Retrieve BVN*565*0#
Pay with USSD (POS & Web)*745*000*RefCode#
Change USSD PIN*745*00#
Block USSD*745*11#
Heritage Bank USSD Code To Check Account Balance

If you want to easily check your Heritage bank account balance with your phone and you don’t have internet connection, you can dial the code *745*0# and you account balance will be displayed to you.

Heritage Bank USSD Code For Airtime Recharge

Running out of airtime or data is no longer a concern. Use the USSD code *745*Amount# to recharge your phone or buy data bundles directly from your Heritage Bank account. You can also recharge for your friends and loved ones using the code *745*Amount*Phone Number#.

Heritage Bank USSD Code For Fund Transfer

Transferring funds to other Heritage Bank accounts or different banks is effortless with USSD codes. Dial *745*1*Amount* Account Number# to initiate a seamless transaction within Heritage bank. If you want to transfer to an account in another bank then you can dial the code *745*2*Amount*Account Number# on the mobile number linked to your bank to carry out the transaction.

Heritage Bank USSD Code For Account Opening

Interest customers can open a Heritage bank account simply with the USSD code *745#. Dial the code and follow the prompt to complete the account opening process on your mobile phone.

Heritage Bank USSD Code For Bill Payment

Paying bills is a breeze with Heritage Bank USSD codes. Dial *745# >> Select Pay Bills, to settle various bills, such as electricity, water, or internet, without any hassle.

Heritage Bank USSD Code To Retrieve BVN

Getting your Bank Verification Number is easy with the use of the USSD code. Simply dial *565*0# on your mobile phone to get your BVN information.

Heritage Bank USSD Code To Make Payment

You can easily make Web and POS payment using the Heritage Bank USSD code. Dial *745*000*RefCode# on the mobile number linked to your bank account to initiate the transaction.

How to Change Your Heritage Bank Transaction PIN

Maintaining the security of your financial transactions is paramount, and Heritage Bank provides you with the flexibility to change your transaction PIN for added protection. Below is how to change your Heritage bank transaction pin:

Dial the USSD Code

On your mobile device, dial the USSD code: *745#.

Select “Change PIN”

From the options presented on your screen, select the “Change PIN” option. This will initiate the process of updating your transaction PIN.

Enter Current PIN

You’ll be prompted to enter your current transaction PIN for verification purposes. Input your current PIN and proceed to the next step.

Enter New PIN

Enter the new transaction PIN that you’d like to set for your Heritage Bank account. Choose a PIN that is both secure and memorable, avoiding easily guessable numbers.

Confirm New PIN

To ensure accuracy, you’ll need to re-enter the new transaction PIN you just selected. This step helps prevent any typing errors and ensures that you have entered the correct PIN.

PIN Successfully Changed

Once you have successfully confirmed your new transaction PIN, you’ll receive a confirmation message indicating that your PIN has been changed. Your updated PIN is now in effect and ready to use for all your banking transactions.

How to Deactivate Heritage Bank USSD Code Service

While Heritage Bank’s USSD code service offers convenience and accessibility, there might be instances where you need to deactivate the service temporarily or permanently. Whether you’re switching banks or have specific reasons for discontinuing the service, here’s a step-by-step guide on how to deactivate Heritage Bank USSD code service:

Dial the USSD Code

On your mobile device, dial the USSD code: *745#.

Select “Deactivate Service”

From the options presented on your screen, select the “Deactivate Service” or similar option. This will initiate the process of deactivating the Heritage Bank USSD code service.

Confirmation Prompt

After selecting the deactivation option, you may be prompted to confirm your decision. This additional step is in place to ensure that you are intentionally discontinuing the service.

Service Deactivated

Once you have confirmed your decision, you will receive a confirmation message indicating that the Heritage Bank USSD code service has been successfully deactivated. At this point, the service will no longer be accessible from your mobile device.

Security Measures and Tips for Using Heritage Bank USSD Code

Heritage Bank’s USSD code services provide unparalleled convenience for managing your finances, but it’s essential to prioritize security while utilizing these services. To help you make the most of Heritage Bank’s USSD codes while safeguarding your financial information, here are some important security measures and tips to follow.

1. Keep Your USSD PIN Confidential

Your USSD PIN is your first line of defense. Never share it with anyone, whether via text, email, or phone call. Heritage Bank will never ask for your PIN, so treat it as strictly confidential.

2. Beware of Phishing Attempts

Be cautious of unsolicited messages, calls, or emails asking for your personal or banking information. Scammers may impersonate Heritage Bank to steal your data. Always verify the authenticity of requests.

3. Use Secure and Private Devices

Only use trusted and secure devices for accessing Heritage Bank USSD codes. Avoid public computers or devices that may be compromised, as they can expose your sensitive information.

4. Regularly Update Your PIN

Change your USSD PIN periodically to enhance security. Avoid using easily guessable combinations like birthdates or sequential numbers. Opt for a unique PIN that’s not easily deciphered.

5. Monitor Your Transactions

Regularly review your transaction history to identify any unauthorized or suspicious activities. Report any discrepancies to Heritage Bank immediately.

6. Enable Transaction Notifications

Opt for transaction notifications from Heritage Bank. These alerts will notify you of any activity on your account, helping you stay informed and detect any unauthorized transactions promptly.

7. Secure Your Mobile Device

Secure your mobile device with a strong password or biometric authentication. Enable remote tracking and wiping features to safeguard your device in case it’s lost or stolen.

8. Avoid Sharing Personal Information

Never share personal information, including your BVN, account details, or OTP, with anyone. Heritage Bank will not request this information through calls, messages, or emails.

9. Educate Yourself About Scams

Stay informed about the latest scams and fraud tactics. Knowledge is your best defense against falling victim to malicious activities.


Q1: Are these USSD codes available 24/7?
Yes, you can use Heritage Bank USSD codes anytime, 24 hours a day, 7 days a week.

Q2: Can I use these codes abroad?
While some USSD codes may work abroad, it’s recommended to check with Heritage Bank for specific international usage details.

Q3: How secure are Heritage Bank USSD transactions?
Heritage Bank employs encryption and security measures to protect your transactions. However, it’s important to keep your PIN confidential.

Q4: What do I do if I forget my USSD PIN?
If you forget your PIN, you can reset it by following the instructions provided by Heritage Bank’s customer service.

Q5: Is there a fee for using USSD codes?
Heritage Bank may charge a nominal fee for some USSD transactions. It’s advisable to check their official website or contact customer service for fee details.


Embrace the digital age of banking with Heritage Bank’s USSD codes. With an array of services accessible at your fingertips, banking has never been more convenient. Say goodbye to long queues and hello to efficient, secure transactions. Experience banking reimagined with Heritage Bank USSD codes.

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