The First Bank USSD code is *894#, a secure offline banking shortcut that lets FirstBank customers transfer funds, check balances, buy airtime, pay bills, and access other banking services from a mobile phone without an internet connection. FirstBank states that the service works across MTN, Airtel, Globacom, and Etisalat networks and is available on compatible mobile phones.
To use First Bank USSD banking, eligible individual customers need a FirstBank account, a linked debit card, and a phone number enrolled for SMS alerts. Registration starts by dialing *894*0#, after which the service guides you through selecting a linked debit card, entering the card PIN, and creating a five-digit Quick Banking PIN.
First Bank USSD Code (*894#): Quick Answer
The First Bank USSD code is *894#. Dial *894# to open the Quick Banking menu, or use the available direct shortcuts for services such as balance enquiry, transfers, airtime recharge, mini statements, loans, and account or card controls. FirstBank’s official USSD page confirms that the service does not require internet data.
- Main First Bank USSD code: *894#
- Registration: *894*0#
- Balance enquiry: *894*00#
- Transfer: *894*Amount*AccountNumber#
- Airtime for yourself: *894*Amount#
- Airtime for another number: *894*Amount*PhoneNumber#
- FirstAdvance loan: *894*11#
- Deactivate mobile number on USSD: *894*911#
First Bank USSD Code: Services and Direct Codes
The table below summarizes the main First Bank USSD shortcuts supplied for common banking tasks. You can also dial *894# to access the menu-based Quick Banking service instead of memorizing every shortcut.
| Service | USSD Code | What It Does |
|---|---|---|
| Check Account Balance | *894*00# | Checks your FirstBank account balance. |
| Transfer Money | *894*Amount*AccountNumber# | Starts a transfer to a FirstBank or other Nigerian bank account. |
| Buy Airtime for Self | *894*Amount# | Recharges the phone number linked to the service. |
| Buy Airtime for Others | *894*Amount*PhoneNumber# | Recharges another mobile number. |
| Register for 894 Banking | *894*0# | Starts registration and account setup for Quick Banking. |
| Deactivate Mobile Number | *894*911# | Deactivates your mobile number on the USSD service. |
| Mini Statement | *894*AccountNumber# | Requests a mini statement for the selected account. |
| FirstAdvance Loan | *894*11# | Opens the FirstAdvance option for eligible customers. |
| Receive Payments | *894*99# | Starts self-enrollment for a unique USSD payment code. |
What Is the First Bank USSD Code?
The First Bank USSD code is *894#, which provides mobile banking through a USSD connection rather than an internet-based banking app. FirstBank says customers can use the service for transfers, balance enquiries, airtime, bills, loans, mini statements, account opening, PIN management, and other available services.
The service is designed to work on mobile phones without requiring an active internet connection. FirstBank also lists MTN, Airtel, Globacom, and Etisalat subscribers among the networks supported by the service.
Why Use First Bank’s *894# USSD Code?
The main advantage of First Bank *894# banking is that it provides access to common banking functions without depending on mobile data. The service is especially useful when an internet connection is unavailable or when you prefer a USSD menu over a mobile banking application.
- No internet data required: FirstBank describes 894 as a USSD service that works without internet connectivity or data.
- Multiple banking services: Customers can access transfers, balance enquiries, airtime, bills, loans, mini statements, and other services.
- Works on different phones: USSD banking can be accessed through compatible GSM mobile phones, including basic phones.
- PIN authentication: FirstBank states that registration and PIN authentication are used to secure USSD transactions.
- Menu-based access: You can dial *894# and choose a service instead of remembering every direct code.
For readers comparing banking shortcuts across different Nigerian banks, see the complete list of USSD codes for Nigerian banks.
How to Register First Bank USSD Code
To register the First Bank USSD code, dial *894*0# from the phone number enrolled with your FirstBank account. FirstBank’s current registration instructions require an existing linked debit card, the card’s four-digit PIN, and a new five-digit Quick Banking PIN.
- Dial *894*0# from your registered mobile number.
- Select Register for 894 Banking.
- Select the preferred masked debit card linked to your account.
- Enter the four-digit PIN for the selected debit card.
- Create a new five-digit Quick Banking PIN.
- Complete the registration prompts to activate the service.
Once registration is complete, your phone number becomes active on the FirstBank USSD Quick Banking service.
First Bank Transfer Code Without ATM Card: What You Need to Know
The First Bank transfer code without ATM card can be used for the transfer transaction itself because the transfer is initiated from the registered phone through USSD rather than by inserting a physical card into an ATM. However, FirstBank’s current official registration instructions state that customers enrolling for 894 Banking need a linked debit card and its four-digit PIN during setup.
After successful registration, the direct First Bank USSD transfer code is *894*Amount*AccountNumber#. You then follow the prompts to select the beneficiary bank, confirm the transaction details, and authorize the transfer with your Quick Banking PIN.
How to Transfer Money with the First Bank USSD Transfer Code
The First Bank USSD transfer code is *894*Amount*AccountNumber#. This shortcut starts the transfer process directly from your registered mobile phone without requiring internet access.
- Dial *894*Amount*AccountNumber#.
- Select the beneficiary bank when prompted.
- Confirm the beneficiary details and transfer amount.
- Enter your five-digit Quick Banking PIN when prompted.
- Follow the remaining prompts to complete the transaction.
Example: If you want to transfer ₦5,000 to account number 1234567890, the direct USSD format is *894*5000*1234567890#.
How to Check First Bank Account Balance with USSD
To check your FirstBank balance without internet access, dial *894*00# from the registered mobile number and follow the authentication prompts. FirstBank lists *894*00# as its balance enquiry shortcut.
- Dial *894*00#.
- Follow the security prompts.
- Complete authentication with your Quick Banking PIN when requested.
- View the balance information provided by the service.
How to Buy Airtime with First Bank USSD Code
The First Bank airtime USSD shortcuts let you recharge your own number or another mobile number directly from your account. FirstBank lists *894*Amount# for self-recharge and *894*Amount*Phone Number# for recharging another number.
- Self: Dial *894*Amount#.
- Another number: Dial *894*Amount*PhoneNumber#.
First Bank Loan Code: How to Access FirstAdvance
The First Bank loan code for FirstAdvance is *894*11#. FirstBank describes FirstAdvance as a digital lending solution for eligible payroll customers whose salaries are domiciled with FirstBank and who have received regular salaries for at least the required period.
- Dial *894*11#.
- Select FirstAdvance when presented with the available options.
- Review the loan eligibility and amount presented.
- Follow the prompts to accept the applicable terms.
- If eligible and approved, the loan is processed through the service.
FirstBank’s current FirstAdvance information states that the available amount depends on the product variant and the customer’s eligibility.
First Bank USSD Code Transfer Limits and Charges
The First Bank USSD transfer limit determines how much you can transfer through the service within the applicable period. FirstBank has published a daily transfer limit of ₦100,000 for its USSD service, although customers should confirm the limit displayed for their account because banking limits and service rules can change.
| Item | Published Information | Important Note |
|---|---|---|
| USSD transfer limit | Up to ₦100,000 per day | FirstBank has published this daily USSD transfer limit; account-specific limits may be subject to applicable bank rules. |
| Airtime recharge limit | Up to ₦10,000 per day | FirstBank has published this daily USSD airtime limit. |
| USSD transaction charges | Charges depend on the service and applicable tariff. | Check the transaction prompt and current FirstBank tariff before confirming a chargeable transaction. |
| USSD retail payment | Customer fee information is published separately. | FirstBank currently lists a ₦20 customer fee for its USSD retail payment service, while merchant fees vary by transaction value. |
For USSD retail payments specifically, FirstBank currently lists a ₦20 customer fee per transaction. The same official page lists merchant fees of ₦0 for transactions below ₦5,000, ₦25 for ₦5,000–₦10,000, and ₦50 for transactions above ₦10,000. These charges apply to the USSD Retail Payment service described by FirstBank and should not automatically be treated as the fee for every type of USSD transaction.
Because USSD fees and limits can change, check the amount, applicable charge, and transaction details shown during the current banking session before authorizing a transaction.
How to Reset or Change Your First Bank USSD PIN
If you need to reset your FirstBank Quick Banking PIN, dial *894*0# and select the PIN reset option. FirstBank’s current instructions require you to select a linked debit card, enter the card’s four-digit PIN, and create a new five-digit Quick Banking PIN.
- Dial *894*0#.
- Select the Reset PIN option.
- Select the preferred masked debit card.
- Enter the four-digit PIN for the selected debit card.
- Create a new five-digit Quick Banking PIN.
- Complete the prompts to finish the reset.
Never disclose your Quick Banking PIN or debit card PIN to another person, including someone claiming to represent the bank.
How to Get a First Bank Mini Statement with USSD
To request a FirstBank mini statement through USSD, dial *894*AccountNumber# and follow the prompts. FirstBank lists this shortcut specifically for mini-statement requests.
How to Receive Payments with First Bank *894*99#
The *894*99# service allows eligible users to create a unique USSD code for receiving payments. FirstBank describes this as a USSD Retail Payment solution that can be used for instant payment collection without relying on a physical POS terminal.
- Dial *894*99# to begin self-enrollment.
- Follow the prompts to create the unique payment code.
- Use the generated code for eligible payment transactions.
How to Block or Deactivate First Bank USSD in an Emergency
If your phone is lost or you need to stop your mobile number from being used for FirstBank USSD banking, dial *894*911#. FirstBank currently describes this code as the option for deactivating your mobile number on USSD.
For debit-card control, FirstBank also provides card-blocking and unblocking options through the *894# menu under Quick Banking and Card Control.
Troubleshooting Common *894# USSD Code Errors
Quick fix for “Connection problem or invalid MMI code”: The error usually means the USSD session did not connect successfully. Start by checking that you are using the correct *894# code and that you have a usable mobile network connection.
- Check the code: Dial *894# again and make sure there are no missing or extra characters.
- Confirm the registered number: Use the mobile number linked to your FirstBank account and enrolled for the USSD service.
- Check network signal: Move to an area with better network coverage and retry the request.
- Try the direct shortcut: If the menu fails, use the relevant direct code, such as *894*00# for balance enquiry or *894*Amount*AccountNumber# for transfers.
- Retry after a short interval: A temporary network or service interruption can prevent a USSD session from completing.
- Check registration status: If you have never registered, dial *894*0# and follow the registration process.
- Reset your PIN if necessary: Use *894*0# and select the PIN reset option if the problem relates to your Quick Banking PIN.
- Contact FirstBank if the problem continues: FirstBank provides FirstContact support and branch assistance for unresolved USSD issues.
Why Does First Bank USSD Say “Connection Problem or Invalid MMI Code”?
The “connection problem or invalid MMI code” message means the requested USSD session was not successfully completed. The first checks should be the dialing format, mobile network signal, registered phone number, and whether the USSD service is temporarily unavailable.
Why Is My First Bank USSD Code Not Working?
If *894# is not working, confirm that you are dialing from the phone number associated with your FirstBank USSD profile, check network coverage, and retry the session. If the issue persists, use the registration or PIN-reset option where appropriate or contact FirstBank support.
What Should I Do If My First Bank USSD PIN Is Blocked?
Use *894*0# and select the PIN reset option. FirstBank’s current instructions allow customers to select a linked debit card, authenticate with the debit-card PIN, and create a new five-digit Quick Banking PIN.
How to Increase Your First Bank USSD Transfer Limit
FirstBank’s USSD service includes a Limit Management option in the *894# menu. The exact limit available to an account can depend on the bank’s applicable rules and customer profile.
The supplied information identifies ₦100,000 per day as the published USSD transfer limit. If you need a higher transaction capacity, use the available Limit Management option or contact FirstBank to confirm the current requirements for your account rather than relying on an outdated limit.
Tips for Safe First Bank USSD Banking
Safe USSD banking depends on protecting your PIN, using the correct registered mobile number, and checking transaction details before authorization. FirstBank states that its 894 service uses registration and PIN authentication for security.
- Keep your Quick Banking PIN private.
- Never disclose your debit-card PIN or Quick Banking PIN to another person.
- Check beneficiary details and amounts before confirming transfers.
- Use the registered mobile number associated with your FirstBank USSD profile.
- Deactivate your mobile number on USSD using *894*911# if your phone is lost or you need to stop the number from accessing the service.
- Contact FirstBank directly when an unusual transaction or unresolved USSD problem occurs.
Frequently Asked Questions About First Bank USSD Code
What is the First Bank USSD code in Nigeria?
The official First Bank USSD code is *894#. It provides access to transfers, balance enquiries, airtime, bills, loans, mini statements, PIN management, and other available Quick Banking services.
How do I register First Bank USSD code?
Dial *894*0#, select Register for 894 Banking, choose a linked debit card, enter the card’s four-digit PIN, and create a new five-digit Quick Banking PIN.
Can I use the First Bank transfer code without an ATM card?
The transfer itself is performed through the USSD service rather than an ATM. However, FirstBank’s current official registration instructions require an existing linked debit card and its four-digit PIN when enrolling for 894 Banking. After registration, the transfer shortcut is *894*Amount*AccountNumber#.
How do I transfer money from First Bank without an ATM card?
After you have registered for FirstBank USSD banking, dial *894*Amount*AccountNumber#, select the beneficiary bank, confirm the transaction details, and authorize the transfer with your Quick Banking PIN.
What is the First Bank transfer code?
The direct First Bank USSD transfer code is *894*Amount*AccountNumber#. You can also dial *894# and select the transfer option from the menu.
How can I check my First Bank account balance without internet?
Dial *894*00# from your registered mobile number and follow the authentication prompts. FirstBank lists this as its balance enquiry code.
What is the First Bank USSD code for buying airtime?
Dial *894*Amount# to buy airtime for yourself or *894*Amount*PhoneNumber# to recharge another number.
What is the First Bank loan code?
The First Bank loan code for FirstAdvance is *894*11#. FirstAdvance is intended for eligible payroll customers whose salaries are domiciled with FirstBank, with eligibility and available amounts determined by the applicable product rules.
How do I block my First Bank account using the USSD code?
For an emergency or lost phone, dial *894*911# to deactivate your mobile number on the FirstBank USSD service. FirstBank separately provides debit-card blocking through the *894# Quick Banking menu.
What should I do if *894# says connection problem or invalid MMI code?
Check that you entered *894# correctly, confirm your mobile network signal, make sure you are using the registered phone number, and retry the session. If the error continues, try the relevant direct USSD shortcut or contact FirstBank support.
Final Thought
The right First Bank USSD shortcut depends on the transaction you need to complete. The main *894# menu provides access to Quick Banking, while direct codes can make common tasks such as transfers, balance checks, airtime purchases, PIN resets, and loan access faster.
- First Bank USSD Code: *894#
- Register for 894 Banking: *894*0#
- Transfer Money: *894*Amount*AccountNumber#
- Check Balance: *894*00#
- Buy Airtime: *894*Amount#
- FirstAdvance: *894*11#
- Deactivate Mobile Number: *894*911#
Before confirming a transaction, review the beneficiary, amount, applicable charges, and any displayed confirmation details. For changing limits, unresolved errors, or account-specific issues, use the available USSD options or contact FirstBank through its official support channels.
Also read FCMB Transfer Code: The Complete Guide to Using *329#
Alt text: Step-by-step screen prompt on a mobile phone showing First Bank *894# USSD activation menu