Are you stuck trying to send money or buy airtime because you do not have an internet connection? You can stop worrying because the Jaiz Bank transfer code allows you to perform every important banking transaction directly from your mobile phone without using a single byte of data. By dialing *773#, you gain instant access to a world of non-interest banking services that are fast, secure, and available 24 hours a day. In this guide, I will show you exactly how to use the Jaiz Bank USSD code to take full control of your finances right from your palm.
What is the Official Jaiz Bank Transfer Code?
The official Jaiz Bank transfer code is *773#. This is a dedicated USSD (Unstructured Supplementary Service Data) string that connects your mobile phone number directly to your Jaiz Bank account. Unlike mobile apps that require a smartphone and a stable internet connection, this code works on any phone, including basic feature phones. The most important thing to remember is that you must use the phone number registered with your Jaiz Bank account to make this work successfully.
When you dial the code, a menu appears on your screen. This menu acts as a gateway to various services such as money transfers, bill payments, and balance inquiries. Because Jaiz Bank is Nigeria’s premier non-interest bank, they have designed this USSD platform to be incredibly user-friendly and inclusive for everyone. Whether you are in a crowded market or a remote village, as long as there is a mobile signal, your bank is right there with you.
Why You Should Use Jaiz Bank USSD Banking
If you are wondering why you should use the USSD method instead of just walking into a branch, the answer is simple: convenience. Using the Jaiz Bank USSD code saves you the transport fare and the long hours spent in banking hall queues. It is a life-saver during emergencies, especially at night or during weekends when physical banks are closed. You can send money to family members or pay for goods instantly without any delays.
Another major benefit is security. Every transaction you perform using *773# requires a secret PIN that only you should know. This means even if someone else gets hold of your phone, they cannot move your money without that code. Furthermore, USSD banking is much faster than waiting for a mobile app to load, making it the best option for quick airtime top-ups when you are in the middle of an important call.
How to Register and Activate Jaiz Bank USSD Code
Before you can start sending money, you need to go through a one-time activation process. Do not worry because you do not need to fill out any paper forms or visit the bank. To register for Jaiz Bank USSD banking, follow these simple steps below:
- Step 1: Dial *773# on the phone number linked to your Jaiz Bank account.
- Step 2: You will see a welcome message asking you to register. Select the option to create your profile.
- Step 3: Enter your 10-digit Jaiz Bank Account Number.
- Step 4: You will be asked to provide certain details to verify your identity, such as your Date of Birth or the last digits of your debit card.
- Step 5: Create a unique 4-digit PIN. Do not use easy numbers like 1234 or your birth year because they are easy for hackers to guess.
- Step 6: Confirm your PIN and wait for the success message.
Once you see the confirmation message, your Jaiz Bank transfer code is ready for use. You can now perform transactions up to the daily limit set by the bank. If you encounter any issues during this process, ensure that your SIM card is properly inserted and that you have a little bit of airtime for the network session charges.
Full List of Jaiz Bank USSD Shortcodes
To make things easier for you, I have compiled a detailed table of all the shortcuts you can use. Instead of navigating through the long menu every time, you can use these direct strings to speed up your banking transactions.
| Service Description | USSD Shortcode |
|---|---|
| Main Menu | *773# |
| Check Account Balance | *773*0# |
| Buy Airtime (Self) | *773*Amount# |
| Buy Airtime (Others) | *773*Amount*Phone Number# |
| Transfer to Jaiz Bank | *773*1*Amount*Account Number# |
| Transfer to Other Banks | *773*2*Amount*Account Number# |
| Data Top-up | *773*3# |
| Merchant Payments | *773*4# |
How to Transfer Money to Other Banks
Sending money to friends, business partners, or family members is the most used feature of the Jaiz Bank transfer code. You can send money to any commercial bank, microfinance bank, or fintech wallet in Nigeria. Follow these steps to transfer money from Jaiz Bank to other banks:
- Dial *773# on your mobile phone.
- Select the “Transfer” option from the menu.
- Choose “Transfer to Other Banks.”
- Select the destination bank from the list provided (e.g., Zenith, GTB, or Kuda).
- Enter the recipient’s 10-digit account number.
- Enter the amount you wish to send. Always double-check the name that appears on the screen to ensure you are sending it to the right person.
- Enter your 4-digit USSD PIN to authorize the transaction.
Within seconds, you will receive an SMS notification confirming if the transaction was successful. The recipient should also receive their alert almost immediately. Make sure you have enough balance to cover both the transfer amount and the small network charge applied by your service provider for the session.
How to Buy Airtime and Data with *773#
Is your phone running low on credit? You do not need to look for a shop to buy a recharge card. You can buy airtime for yourself or for your loved ones directly from your bank account. To recharge your own phone, simply dial *773*Amount#. For example, if you want to buy 500 Naira airtime, just dial *773*500# and the credit will be added to your line instantly.
If you want to buy airtime for a friend or a second line, dial *773*Amount*Phone Number#. This is very helpful when you want to surprise someone with a gift or help a family member who is stranded. The same logic applies to data bundles. By selecting the data option from the main menu, you can browse through various bundles and choose the one that fits your budget. This service is available for MTN, Airtel, Glo, and 9mobile users.
Checking Your Jaiz Bank Account Balance on the Go
You no longer need to visit an ATM just to see how much money is left in your account. Checking your balance with the Jaiz Bank USSD code is completely free of bank charges, although your network provider may charge a small session fee of about 6.98 Naira. To check your balance, simply dial *773*0# and enter your PIN when prompted. Your current balance will pop up on your screen immediately.
I recommend checking your balance before and after every major transfer. This helps you keep track of your spending and ensures that your account was debited correctly. If you need a more detailed history, you can also use the menu to request a “Mini Statement,” which shows you the last five transactions you performed on the account. This helps you stay on top of your finances without needing a bank statement.
Resetting Your Jaiz Bank USSD PIN
It is very common to forget your PIN, especially if you have many different codes for different apps. If you find yourself locked out, do not panic. You can reset your Jaiz Bank USSD PIN without going to the bank. Simply dial *773# and look for the “PIN Reset” or “Settings” option. You will be required to provide your ATM card details or answer security questions to prove you are the owner of the account.
If you suspect that someone else has learned your PIN, you should change it immediately for security reasons. A good tip is to choose a number that is meaningful to you but impossible for others to guess. Never share your PIN with anyone, even if they claim to be calling from Jaiz Bank. Real bank staff will never ask for your PIN or password over the phone, so stay alert and protect your money.
Comparing Jaiz Bank USSD vs. Mobile App
While the Jaiz Bank transfer code is amazing for quick transactions, the bank also offers a robust mobile application called Jaiz Mobile Plus. The app is great because it provides a visual interface, allows you to download PDF receipts, and gives you access to more complex features like Hajj savings and investment options. However, the app requires internet, while the USSD code does not.
I suggest having both options ready on your phone. Use the Jaiz Mobile Plus app when you are at home with Wi-Fi or data to manage your long-term savings. Use the *773# code when you are on the move, in a hurry, or in an area with poor internet coverage. You can download the official app from the Google Play Store for Android or the Apple App Store for iPhones.
Tips for a Smooth USSD Banking Experience
To ensure you never have a failed transaction, always keep these tips in mind. First, ensure your phone signal is strong. If the signal is fluctuating, the session might time out before you finish. Second, be very fast when typing your details. USSD sessions usually expire after 20 to 30 seconds of inactivity for security reasons. If the session ends, you will have to start the process from the beginning.
Also, keep an eye on your daily limits. Most banks have a standard limit for USSD transfers to protect users from heavy losses in case of phone theft. If you need to send a very large amount of money, you might need to use the mobile app or visit the bank to increase your limit. For more information on ethical banking, you can visit the official Jaiz Bank Website for more details.
Frequently Asked Questions (FAQ)
What is the code to transfer money from Jaiz Bank?
The official code is *773#. You can use it to send money to Jaiz Bank accounts and other commercial banks in Nigeria.
Do I need data to use the Jaiz Bank USSD code?
No, you do not need an internet connection or data. It works on the cellular network (GSM) and can be used on any mobile phone.
How much does Jaiz Bank charge for USSD transfers?
While the bank charges are minimal and follow CBN guidelines, your network provider (MTN, Glo, etc.) will charge a standard 6.98 Naira fee per session.
Can I use *773# on a phone number not linked to my account?
No, for security reasons, the code will only work on the specific phone number you provided when you opened your Jaiz Bank account.
What should I do if my Jaiz USSD code is not working?
Ensure you have a signal, check if you have enough airtime for the network fee, and verify that your SIM is in the primary slot. If it still fails, contact Jaiz Bank customer care.
Is there a limit to how much I can transfer?
Yes, there is usually a cumulative daily limit for USSD transactions. You can check your specific limit within the *773# menu under “My Profile.”
Final Thoughts on Jaiz Bank USSD Banking
Mastering the Jaiz Bank transfer code is the fastest way to simplify your life. By memorizing *773#, you essentially carry a bank branch in your pocket everywhere you go. It is safe, fast, and works perfectly without the internet. Whether you are paying for a taxi, sending money to a student, or topping up your airtime, this code is your most reliable tool for daily finance.
Have you tried using the *773# code today, or are you having some trouble getting your PIN to work? Let me know in the comments section below so I can help you out!
