Heritage bank and other Nigerian banks have made bank easy with the USSD code mobile banking. You can use the codes to check your account balance, buy airtime and data, transfer money to other accounts, pay bills and so much more.


For Heritage bank Instant bank, your phone number registered with your Heritage bank account must be used for all your transactions. It works on all phone types, including Android, IOS and windows.


To register for Heritage bank Instant banking, dial *745*account number*last 6 digits of your card#

* Press 1 and select your card type.

* Enter your card expiry date.

* Select your account and create a four-digit pin for transactions and send.

* If you do not have your debit card, dial *745*account number#.


To transfer funds to a Heritage bank account, dial *745*1*amount*account number#.


To transfer to a non-Heritage bank account, dial *745*2*amount*account number#.


To purchase airtime for self, dial *745*amount#.

To purchase airtime for a third party, dial *745*amount*mobile number#.


To change your four-digit pin, dial *745*00#.


To check your account balance dial *745*0#

And to top up your Bet9ja account, dial *745*222*Bet9jaUserID*Amount#.