Wema Bank Nigeria is one commercial bank that believes in collective progress and sustainable success. Founded on May 2, 1945, under the name Agbonmagbe Bank Limited, it is one of the longest surviving indigenous banks in the country. The bank began operations in 1945 after it received a commercial banking license from the apex bank. Wema Bank would later metamorphose into a public limited liability company in 1987 and was subsequently listed on the Nigerian Stock Exchange in the year 1990.

Famed for its trade symbol – WEMABANK –  the bank was ceded a Universal Banking License in February 2001, after which it became a national bank with a capital base of more than N43.8 billion in December 2015. The financial institution has since gone ahead to win several local and international awards for its contribution to the banking sector. The bank once won the Best Digital Bank in Nigeria for launching the first fully digital bank called ALAT. Launched in May 2017, ALAT presents to clients the opportunity to open or sign up for an account in five minutes, using a personal computer or mobile phone.

With technology advancing, the bank has gone on to improve its banking services to the benefit and comfortability of its customers through the introduction of bank transfer codes. This article provides you with all the details you need on Wema Bank transfer codes and the use of the bank’s Sort and SWIFT codes.

What is Wema Bank Transfer Code?

In order to transfer money from WEMA bank to another bank, follow the steps below;

• Dial *945*AccountNumber*amount# e.g, *945*1234567890*10000# to transfer N10,000.

The Wema Bank USSD code of *945# is a banking short code service that gives all Wema Bank customers leverage to perform several banking activities at their convenience. They can do so with their mobile phones without necessarily visiting the banking hall.

The introduction of the Wema Bank transfer code has completely eased the long-tasking process of transferring money from one account to another. Prior to this time, you would need to visit the banking hall to make transactions that include money transfers and payment of bills.

Alternatively, customers opt for the internet banking system that would require them to use data and an internet-enabled phone to make the afore-mentioned transactions. But today, with the emergence of the Wema Bank USSD code, money transfers, and other simple transactions have been made easy and stress-free. The bank’s mobile transfer code is basically designed to allow clients to perform transactions via USSD or SMS anytime, any day.

Things To Know About Wema Bank Transfer Codes

• The services provided by the Wema Bank transfer code are open to any mobile network subscribers – MTN, Glo, 9mobile, and Airtel.
• The USSD code is only open to Wema bank account holders. This means that you must first own an account with the bank before you can access the service.
• You must have an active phone number registered in your bank account.
• This service is available 24 hours every day. This means that even at really odd hours, you can still use the service.

What Are The Functions Of Wema Bank Transfer Codes?

The Wema Bank transfer codes provide the customer with different ways of making more banking transactions. It helps to make your day less stressful and allows you to do more with the bank while staying at home. Below is a list of all the things you could do with Wema Bank’s *945# code:

• Account opening
• BVN and email updates
• Bills payment
• Changing PIN
• Blocking your stolen ATM cards
• Money transfers
• Airtime recharge
• Check account balances

Benefits of Using Wema Bank Transfer Codes

Using the Wema Bank transfer codes, like every other bank’s transfer codes, comes with lots of benefits:

1. It makes bank transactions easier, faster, and convenient
2. The code is compatible with all phone types
3. You do not need mobile data to operate it
4. Transaction process is less than 20 seconds
5. The service is available 24 hours a day, 7 days a week.
6. The service is available to all networks in the country – Airtel, 9mobile, GLO, and MTN subscribers

How To Activate WEMA Bank USSD Code

Activating the Wema Bank transfer codes makes it easy for you to enjoy the afore-mentioned services provided by the USSD code. It helps you to carry out transactions on your phone using a preset password or PIN which will be needed to invalidate your money transfers, and any other transaction, including bill payment, etc.

 To go on with your phone activation, the following guidelines will help you;

• Dial *945# on the mobile number that is connected with your WEMA Bank account. This is the same number used for transaction alerts.
• Follow the prompt that shows up on the screen and choose the option to proceed to activation.
• Add your bank account from which you want to make transactions.
• Set a PIN.
• Confirm your PIN to complete the activation process.

After the pin has been created, you can begin USSD banking transactions.

Note: If for any reason, your registered mobile number is no longer active, all you need to do is to go to the nearest Wema Bank and submit your new number. Once you do this, you are automatically registered for any kind of transaction.

Things You Can Use The Wema Bank Transfer Codes To Do

1. Transfer Money

You can transfer money to any bank account in Nigeria from your mobile phone using *945#. This transfer code can be used to transfer money either to another Wema Bank account or to another bank in Nigeria.

1. To transfer money from your Wema Bank account, dial *945*NUBAN Account Number*Amount# (For example, dial *945*123456xxxx*5000# for a cash transfer of N5000 to any bank account)
2. Enter the 4-digit transfer pin you created during registration to authenticate the transactions.
3. You will receive a message notifying you that your transaction is successful. It will be followed by a debit alert from your account.

Note:

• Bank charges apply for transactions within Wema Bank (N21) and from Wema Bank to other banks (N52).
• The daily transfer limit is N20,000. You can increase this to N500,000 via the WemaMobile app or by clicking here to opt for WemaOnline. You can also visit a Wema bank branch near you.

2. To Open a Wema Bank Account

Account opening using Wema Bank’s *945# code is quite simple. It is less stressful and requires no paperwork. Simply dial *945*1# and follow the onscreen prompts to provide your full name, BVN, Date of Birth, account number, etc.

Note:

• You need a minimum amount of N2,000 to be able to open an account with Wema Bank
• You will receive an interest rate of 1.15%p.a
• Limited withdrawals – Max of 4 withdrawals/month to qualify for interest
• No third-party withdrawals allowed

3. Buy Airtime or Data

You can buy airtime on any network from your bank account using the Wema Bank transfer code. What’s more interesting about this is that it is free of charge. You can also top-up your family, friends, and loved ones from your mobile phone without having to move an inch. Data top-up is also made available for self and third-party using the *945# USSD code.

• To top-up airtime for self, dial *945*Amount#. For example, *945*1000#.
• Airtime top-up for third-party, dial *945*Phone number*Amount#. For example, *945*08032110321*1000# to top-up for a friend.
• For data top-up for self, dial *945*2# and follow the on-screen prompts to complete the transaction.
• Data top-up for someone else, dial *945*2*Recipient’s phone number# and follow the on-screen prompts to complete the transaction.

Note: Your daily phone recharge limit is N10,000

4. Verifying Wema Bank Account Number

To check your Wema Bank account number with the transfer code, use the following steps

• Dial *945*000# using the phone number linked to your account.
• Enter your e-banking PIN to authenticate your transaction.
• Wait for the network to send you a message containing your 10-digit NUBAN.

5. Cardless Withdrawal

Wema Bank allows its customers to make cash withdrawals using the *945# code. This means that you can make cash withdrawals at the ATM even without your debit card. To withdraw money from your account without using an ATM card,

1. Simply dial *945*8*Amount# on your mobile device.
2. You will be asked to input a cashout PIN which should not be the same as your USSD banking PIN.
3. Type in the amount you desire to withdraw from your account
4. A cashout code will be sent to your phone which will be entered into the ATM at the point of withdrawal.

Note:

• Phone number must be linked to your Wema Bank account.
• You can only make cashless withdrawals up to N20,000 at a go.

Other FAQs About the Wema Bank Transfer Code

1. Why Should I Sign Up for Wema USSD?

Ans: It is available outside banking hours (24/7). It is secured. It doesn’t require internet. It is easy and convenient to use. It’s a faster mean.

2. Can I Send Money to People Not Registered on USSD?

Ans: Yes, you can transfer money from your Wema Bank account to any bank account using your mobile phone that is registered with Wema Bank.

3. How Often Can Customers Transfer Funds?

Ans: As often as they like to a max of N500,000

4. How Do I Switch Account on USSD

Ans: You can switch Wema Bank account numbers by dialing *945*old account number*new account number*2#.

Alternatively, you can follow the steps below to switch your Wema accounts

• • Dial *945# from your registered mobile number
  • Select Next Page
  • Select “Change Account”
  • Enter Provisioned Account (the account you currently run USSD on)
  • Enter your Preferred Account
  • Enter your USSD PIN

5. How Do I Change My USSD PIN?

• • Dial *945*00# from your registered mobile number
  • Enter your current USSD PIN
  • Enter New PIN
  • Confirm New PIN

6. What Do I Do If I Forgot My USSD PIN?

Ans: Visit the nearest Wema Bank branch and request for a PIN reset or call 070CALLALAT for a PIN Reset.

7. My Transaction was Declined, What Can I Do?

Ans: Please check your account balance to confirm the sufficiency of funds in your account. If your account balance is sufficient and still the transaction was declined, kindly check your email for notifications from the Bank communicating the reason for the decline and the steps required to rectify the issue.

List of All Wema Bank USSD Codes

1. Account Management  

Account balance	*945*0#
Change PIN	*945*00#
Change primary account	*945*2*oldacctno*newacctno#
Account opening	*945*1#
Account Registering on 945	*945*01#
BVN management	*945*4#
Account restriction	*945*911#

2. Airtime, Data, and Transfers Codes

Airtime (self)	*945*amount#
Airtime (others)	*945*phoneNo*amount#
Airtime/Data –	*945*9#
Transfers (Wema account and other banks)	*945*accountNo*amount#

3. Wema Bank Quick Loan Code

4. Cable TV Codes

Cable TV menu	*945*10#
DSTV	*945*11# and *945*11*smartcardNO #
GOTV	*945*12# and *945*12*smartcardNO#
Startimes	*945*13# and *945*13*smartcardNO#

5. Internet Service Codes

Internet service menu	*945*15#
Smile	*945*16#
Spectranet	*945*18#

6. Electricity Bill Codes

Electricity bill	*945*24#
Eko	*945*25*meterno*amount#
Ikeja	*945*26*meterno*amount#
Ibadan	*945*27*meterno*amount#
Abuja	*945*28*meterno*amount#
Enugu	*945*29*meterno*amount#
Jos	*945*30*meterno*amount#
Kaduna	*945*31*meterno*amount#
Kano	*945*32*meterno*amount#
Portharcourt	*945*33*meterno*amount#

7. Schools and Exams Codes

WAEC (result checking)	*945*70#
JAMB (result checking)	*945*71#

8. State Collections  

Lagos state collection

*945*40#

9. Cardless Transactions  

Mcash	*945*57# and *945*57*merchantcode*amount#
Coralpay	*945*58# and *945*000*REFno#

What Are Sort Codes and SWIFT Codes?

A sort code is a number used to identify both the bank and the branch where an account is held. The sort code is usually used when transferring funds from one account in one bank branch to another branch of the bank or another bank. A sort code can be located at the bottom of a bank’s cheque booklet.

A swift code, on the other hand, is an alternate format of a Bank Identification Code (BIC). It was created by the Society for Worldwide Interbank Financial Telecommunication network and is used to identify a bank location, country, and branch number when initiating an international transfer.

How Wema Bank Sort Codes and Swift Codes Work

While sort codes are made up of 6 numbers divided into 3 pairs, for example, 12-34-56; swift codes are a bit more complicated as they can range from 8 to 11 alphanumeric characters.

Wema Bank, like every other Nigerian bank, uses an eight (8) character swift code that is meant for a bank head office while the eleven (11) character codes are for the other branches of the bank.

Sort codes are used to transfer money between domestic banks and financial institutions only. They work by identifying accounts and providing instructions needed to route money transfers domestically within the clearance organizations.

Swift codes are passed between banks and non-financial corporations in a secure, encrypted way. Funds are not physically transported using the SWIFT network, only the instructions; this communication facilitates the money transfer.

Where Can One Find Wema Bank Sort and SWIFT Code?

Wema bank has more than 100 branches in the country, and each of these bank branches has its own sort code. You can find Wema bank’s sort code on bank-issued cards, statements, and on the online banking platform. The code can also be seen in the bank’s cheque books.

The SWIFT Code for Wema Bank Nigeria is WEMANGLA. This code, which is valid irrespective of the branch you opened your Wema Bank account, can be found on bank statements and by logging into online banking accounts. Alternatively, you can contact Wema Bank customer care directly to confirm the SWIFT code.

A Complete List of Wema Bank Sort Codes

State	Branch Address	Sort Code
Abia State	103, Azikiwe Street, Aba	035230544
Abuja (FCT)	264, Central Business Area, Abuja	035080778
	Oyo House, Ralf Shodeinde Street, Central Business District, Abuja	035081421
	Nnamdi Azikiwe Airport, Abuja	035080862
	Le meridien Hotel, Abuja	035081528
	36, Herbert Macaulay Way, North Wuse, Abuja	035080804
Adamawa State	19, Jimeta Road, Yola	035091110
Akwa Ibom State	16 Eket/Oron Road, Eket	035010971
	Plot 179, Aka Road, Uyo	035011158
Anambara State	21, Old Market Road, Onitsha	035031187
Bauchi State	Opposite Ultra Modern Information Centre (Bauchi State Library Board), Bauchi	035031138
Bayelsa State	Mbiama Road, Opp. State INEC Office, Pansha, Yenogoa	035321505
Benue State	30 (Former No 11), Railway Bye-Pass High Level, Makurdi	035051147
Borno State	Jos Road, Opposite Borno State Secretariat, Maiduguri	035061098
Cross River Sate	39 /113, Murtala Mohammed,  Highway Calabar	035071198
Delta State	407, Nnebi Road, Asaba	035241724
	33 Effurun/Sapele Road, Warri,	035240945
Edo State	39, Mission Road, Benin City	035041186
	12, Akpakpava Street, Benin City	035041458
	University of Benin, Ugbowo Campus	035041681
Ekiti State	2, Orere Owu Street, Ado-ekiti	035340890
	2, Orere Owu Street, Ado-ekiti	035341417
	Aiyedun/Omuo Road,Omuo) Aiyedun Ekiti	035340557
	Ilao Quarters Aramoko Roundabout	035341239
	3, Inipa Street, Igbara-odo	035340159
	Oke–Aodu street, along Ado-Ekiti road, beside Ikere Central Mosque	035341802
	Oja Oba Road, Ise-Ekiti	035341747
	Kota-Omuooke road, Omuo-ekiti, Ekiti State	035341815
	University of Ado Ekiti, Iworo-ekiti Road	035340612
Enugu State	10, Ogui Road, Opposite ACB, Enugu	035251167
IMO	106 Okigwe, Texaco filling Station, Owerri	035101178
Kaduna State	New Nigeria Newspaper Building, Imam House, Ahmadu Bello Way	035111045
	22, Bida Road, Kaduna	035111430
	NNPC Depot, Kaduna	035111511
	1, Bank Road, Military Cantonment, Jaji	035111443
Kano State	13 Bello Road, Kano	035120382
Kwara State	171, Ibrahim Taiwo Road, Ilorin	035140605
	NNPC Depot, Oke-Oyi, Ilorin	035141011
Lagos State	15, Lagos/Abeokuta Express Road, Abule- Egba	035150475
	185, Old Abeokuta Motor Road, Agege	035151335
	2, Rasmon Close, Off Osolo Road, Ajao Estate	035150747
	3A,Ojo-Igbede Rd.Alaba Int’l Market, Ojo	035150815
	33, Allen Avenue, Ikeja	035151319
	32, Warehouse Road Apapa	035150569
	2, Commercial Road, Apapa	035151306
	Block 9 (Zone D), Aspamda Market, Int’l Trade Fair Complex, Ojo	035150966
	Joseph Dosu Road, Badagry	035151636
	23, Broad Street, Mamma Kontagora House, Lagos	035150792
	41/45 Broad Street, Lagos	035151283
	6, Davies Street, Lagos	035151296
	Lagos/Abeokuta Express Road, Dopemu	035150077
	Aluminum Cash Office Village, Dopemu	035151241
	52/54, Murtala Mohammed Way, Ebute-Metta	035150080
	117, Idimu Road,Orelope B/Stop , Egbeda	035150954
	60, Jagunmolu Street Bariga	035151623
	Wema Towers 54 Marina, Lagos	035150103
	Wema Towers 54 Marina, Lagos	035150116
	60, Ikorodu Road, Ijede, Ikorodu	035150226
	Ijora Fisheries Terminal, (Behind NEPA Workshop), Apapa	035150624
	24, Oba Akran Avenue, Ikeja,	035150271
	23/24 Ikorodu-Sagamu Road, Ikorodu	035151254
	35 Awolowo Road,  Beside Total/Hunger Burster, Ikoyi	035151212
	Iponri Shopping Centre, Surulere	035150598
	24, Abimbola Street, Abimbola House, Isolo	035150750
	33, Ikorodu Road, Jibowu	035150938
	Lagos Airport Hotel,111, Obafemi Awolowo Way, Ikeja	035151610
	Lapal House,241, Igbosere Road, Lagos Island	035150297
	89, Itire Road, Lawanson, Surulere	035150721
	Wema Towers 54 Marina, Lagos	035150925
	2, Mobolaji Bank Anthony Way Maryland, Ikeja, Lagos.	035150695
	236, Agege Motor Road, Mushin	035150323
	1st Floor Nahco Building Off  Murtala Mohammed Airport Road, Ikeja	035151021
	Shed 6, NPA Terminal, Apapa	035150831
	Plot 30, Oba Akran Avenue, Ikeja	035151322
	Plot 45, Omole Industrial Layout, Isheri Road, Ogba, Lagos	035150488
	Odu’a Int’l Model Market Complex, Ojota	035151050
	107, Alakoro Street, Oke-Arin, Lagos	035150763
	29 Badagry Express Road, Okokomaiko, Lagos.	035150734
	Lagos/Badagry Expressway, (By Opere Street), Orile- Iganmu	035150352
	Shops 5,6 & 7, Block 2/3, 1st floor, Agric compound Old,Alaba, Orile,	035150983
	455, Agege Motor Road, Bolade, Oshodi	035150705
	Pelewura Shopping Centre, Adeniji Adele Road, Lagos Island	035150666
	Wema House,27, Nnamdi Azikiwe Street, Lagos	035150420
	University of Lagos Campus, Akoka	035150844
	8, Idowu Taylor Street, Victoria	035151270
Nger State	SW 35, Bosso Road, Opposite Afribank, Minna	035161082
Ogun State	Lagos/Abeokuta Road, Lafenwa. P. O. Box 209, Abeokuta	035170015
	28,Obafemi Awolowo Avenue, Abeokuta	035171344
	Fibigbade Street, Ago-Iwoye	035170031
	Idi-Iroko Road, Ajilete	035170057
	Ilaro Road, Aiyetoro	035170044
	Behinde Fanta House, Ilishan Remo	035171496
	Ewekoro Cement Factory,  Ewekoro	035170099
	Idi-Iroko/Lagos Road, Idiroko	035170125
	Abeokuta Motor Road, Ifo	035170141
	Adeboye Road, Ijebu-Igbo	035170196
	Odonopa Quarters, Old Benin Road, Ijebu-Mushin	035170206
	201, Folagbade Street, Ijebu-ode	035171069
	Leslie Street, Ilaro	035171645
	Olofin Road, Ilisan Remo	035170219
	1 Ibrahim Babangida	035171263
	Olabisi Onabanjo University, Ago Iwoye	035170345
	Idi Iroko/Lagos Road, Sango Otta	035170361
	Fashina Square, Owode Yewa,	035170332
	Panseke, Ibara,Abeokuta	035170905
	Akarigbo Street, Akarigbo Street,	035170413
	WAPCO Factory, Sagamu	035170675
	54A, Oba Adesida Road, Akure	035180063
	34, Oyemekun Road, Akure	035181392
	Federal University of Technology, Akure	035180500
	P. O. Box 66, Igbara-oke	035180160
	Ifofin Road, Iju	035180238
	Jubilee Road, Ikare	035181677
	4, Yaba Street, Ondo	035180584
	Old Market Road, off Ondo/ Sabo Road, Ore	035181033
	Idimisasa road, Opposite Olowo’s Palace, Owo	035181790
	1 Owode Market Road, Ede	035291774
	Ewekoro Cement Factory,  Ewekoro	035290513
	Osogbo Road, Ibokun	035290241
	Oke Awona Street, Ifetedo	035290131
	Imo Roundabout, Ilesha	035291389
	8, Market Street, Iragbiji	035290254
	6, Station Road, Iwo	035290652
	Joseph Ayo Babalola	035291651
	Ondo Road, Modakeke	035290306
	Obafemi Awolowo University, Campus, Ile-Ife	035290872
	Offa-Osogbo road, beside king’s Palace, Okuku,	035291758
	10B, Awolowo Way, Ikirun Bye-Pass Igbona,Osogbo	035290717
	169, Station Road, Osogbo,	035291363
Oyo State	Agodi Gate Ife Road, Ibadan	035190024
	Secretariat Roundabout, Ibadan	035191353
	Behinde Fanta House, Ilishan Remo	035190574
	Oba Akinbiyi Shopping Centre, Bodija, Ibadan	035190684
	Sijuwola House, Plot 5, Old Dugbe Layout, Ibadan	082190820
	New Gbagi Market, New Ife Road, Ibadan	035190642
	Igbetti	035190176
	1, Comprehensive Health Centre Road, Igboho	035190189
	Opposite Methodist Church, Tapa Street, Igbo-ora	035191667
	Kishi	035190396
	Mokola Roundabout, Ibadan	035190312
	Abeokuta Road,Apata, Ibadan	035191007
	Ibadan-Ilorin road,Apake, Ogbomosho	035191761
	New Ife Road, Ibadan	035190435
	Near South Campus, The Polytechnic, Ibadan.	035190379
Plateau State	11 Beach Road, Jos	035201104
Rvers state	Plot 11, Trans Amadi Industrial, Layout, Port Harcourt	035210852
	66, Olu Obasanjo Road, Bics Mall, Port Harcourt	035211466
	Plot 11, Trans Amadi Industrial, Layout, Port Harcourt.	035210852
Sokoto State	18, Maiduguri, Road, Dogo Dagi House, Opposite Afribank, Sokoto	035221074