Wema Bank’s USSD service makes basic banking simple for their customers. The code *945# lets you send money, buy airtime, check your balance, and do other everyday tasks straight from your phone without even connecting to the internet.

In this guide, we’ll talk about the Wema Bank transfer code: 945#, and how to use it without any stress.

What is the Wema Bank Transfer Code?

As a Wema bank customer, think of *945# as your personal banking wizard, but this time, you don't need any magic stick. 

The Wema Bank transfer code is *945#, a simple USSD service that lets you do all your banking right from your phone keypad. Whether you want to send money, buy airtime, check your account balance, or even reset your PIN, *945# has you covered.

The best part? It will work on any phone, even that old-school feature phone you keep in your drawer.

How to Register or Activate Wema USSD Code

Getting started with *945# is as easy (and almost as satisfyingly so). Here’s the quick and stress free way any customer can use to activate the Wema USSD banking:

1. Dial *945# on the phone number linked to your Wema Bank account.
    
2. Follow the on-screen prompts to create a secure 4-digit PIN. This PIN will be your key for future transactions.
    
3. Once your PIN is set, you’re ready to use the service, no downloads, no internet, no stress.
    

The beauty of this service is that it works seamlessly on all Nigerian networks and on any phone. So whether you’re rocking the latest gadget or not. You are good to go. .

How to Send Money Using Wema Bank Transfer Code

As a customer sending money to another Wema Bank customer or transferring to a different bank entirely, the process is as easy as ordering suya on a Friday night, and it is quick, simple, and stress-free too. Here is how to go about it:

To Wema Bank Accounts

If the person you’re sending to has a Wema Bank account, just do this:

Example format:

Dial *945*AccountNumber*Amount#

For example, if you want to send ₦5,000 to 0123456789, simply dial:

*945*0123456789*5000#

Follow the on-screen instructions, confirm the recipient’s name, and enter your 4-digit USSD PIN to complete the transfer.

Tip: This works 24/7, even without data, and it is perfect for those “abeg run me small change” moments.

To Other Banks in Nigeria

If you need to send money to GTBank, Access, Zenith, or any other Nigerian bank? Here’s how you can go about it :

Example format:

Dial *945*AccountNumber*Amount#

The process starts the same way, but after you input the account number and amount, you’ll be prompted to select the recipient’s bank from a list before entering your USSD PIN.

For example: Sending ₦10,000 to 1234567890 at First Bank? Dial:

*945*1234567890*10000#

Then pick ‘First Bank’ from the options, confirm the name, and enter your PIN. Done in seconds.

Daily Transfer Limit:

• The default daily limit is ₦100,000 for most accounts.
   
• You can increase it by visiting a Wema Bank branch or adjusting your USSD settings.
   

Other Useful Wema Bank USSD Codes

Here’s your cheat sheet for quick banking with Wema, and you do not need an app or a queue, or any wahala.

Tip: Save these codes in your phone or screenshot this table so you don’t have to Google them every time.

Wema Bank Transfer Code Issues You May Face and How to Fix

Even the smoothest USSD transactions can sometimes hit a bump. If your Wema Bank transfer code isn’t playing nice, here’s how to get things back on track.

1. *945# Not Working?

• Make sure you’re dialing from the phone number linked to your Wema Bank account.
   
• Double check that you have a network signal. USSD needs a live mobile connection.
   
• If it still fails, restart your phone and try again.
   

2. SIM Not Registered?

• If you get a “SIM not registered” message, it usually means your phone number isn’t linked to your account.
   
• Visit the nearest Wema Bank branch or call customer care to update your details.
   

3. Wrong PIN or Transfer Errors

• If you enter the wrong PIN three times, your USSD profile may be blocked for security reasons.
   
• Use the PIN reset code: *945*00# to set a new one, or visit a branch for help.
   
• Always double check the recipient’s account number and amount before hitting send, USSD transfers happen fast!
   

4. How to Contact Wema Bank Customer Care

• Phone: 07000PURPLE (07000787753)
   
• Email: [email protected]
   
• Twitter/X: @wemabank
   
• Facebook: Wema Bank Plc
   

Benefits of Using the Wema Transfer Code

If you are asking why you should use the USSD and join the squad? Here’s why Wema Bank’s *945# is more than just ordinary numbers on your screen.

• Works on All Phones
  Whether you’re using the latest smartphone or a trusty “torchlight” phone, *945# works like magic.
   
• No Internet Needed
  No Wi-Fi? No mobile data? No problem. USSD works purely on your network connection.
   
• Secure and Fast
  Transactions require your unique USSD PIN, so your money stays protected, and the transfers land in seconds.
   
• 24/7 Access Anywhere
  From your couch to the bus stop, even in areas with patchy internet, you can send money anytime, day or night.
   

Frequently Asked Questions (FAQ)

Q: What is the code to transfer money from Wema Bank?
A: The official Wema Bank transfer code is *945#. Once dialed, simply follow the on-screen prompts to send money, pay bills, or buy airtime.

Q: How do I activate Wema Bank USSD code?
A: Dial *945#, select Register, and follow the instructions to link your account. You’ll be asked to create a secure 4-digit PIN for transactions.

Q: Can I use *945# without a smartphone?
A: Yes! That’s the beauty of it. The Wema transfer code works on any mobile phone, whether it’s a keypad phone or a high-end smartphone and you don't ned to be connectd to the internet.

Q: What is the daily transfer limit on *945#?
A: Limits vary depending on your account type and security settings, but most Wema accounts allow up to ₦100,000 per day via USSD. Higher limits may require additional verification.

Q: Is there a fee for using Wema transfer code?
A: Wema Bank charges a small convenience fee per transaction. The exact fee depends on the transaction type, but it’s usually just a few naira, way less than the cost of visiting a branch.

Conclusion 

The Wema Bank transfer code *945# isn’t just a feature, It’s the perfect example of banking made simple, no apps, no data, no stress. Just dial, tap, and you’re done.

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