How To Activate First Bank USSD Code [ Full Guide 2025/2026]

How to Activate First Bank USSD Code: One of the most popular Nigerian banks offering USSD banking services is First Bank of Nigeria (FBN). With the First Bank USSD code, you can easily send money, check your balance, buy airtime, pay bills, and much more all from your small phone or smartphone.

In this blog post, we’ll explain how to activate the First Bank USSD code, how to use it for transfers, how to increase your transfer limit, and how to fix common issues like USSD errors or missing OTP/SMS alerts.

Let’s get started

What Is The New USSD Code For FirstBank

The new USSD code for First Bank is *894#.

This code works on all GSM networks in Nigeria including, MTN, Airtel, Glo, and 9mobile and it’s available 24/7.

You don’t need internet data to use it.When you dial *894#, you can perform several banking operations, including:

• Checking your account balance
• Transferring money to other banks
• Buying airtime and data
• Paying bills
• Opening a new account
• Managing cards and PINs

This service is known as FirstBank Quick Banking and works on any type of phone, whether it’s a small button phone or an Android smartphone.

Also Read: PalmPay USSD Code For Data, Airtime [UPDATED] 2025/2026

How To Activate First Bank USSD Code

Activating your First Bank USSD code is a simple process that only takes a few minutes. Here’s how to do it step by step:

• Insert your FirstBank-registered SIM card into your phone.
• Dial *894# on your mobile phone.
• A menu will appear — select the option for “Quick Banking.”
• Enter your First Bank account number.
• You will be prompted to create a 5-digit PIN for authentication. Make sure it’s something secure but easy to remember.
• Confirm your PIN, and you’re all set!
• Once activated, you can use *894# to perform instant transactions from anywhere in Nigeria.

How To Activate First Bank USSD Mobile Transfer

To start sending money using the First Bank USSD code, you must have completed your activation as explained above.Then follow these simple steps to transfer money:

• Dial *894*Amount*Account Number# from your registered phone line. For example: *894*2000*1234567890#
• Select the recipient’s bank name.
• Confirm the account details displayed on your screen.
• Enter your 5-digit USSD PIN to authorize the transaction.
• Your transfer will be processed instantly, and you’ll receive an SMS notification confirming the transaction.

Also Read: Moniepoint USSD Codes For Nigeria

How To Increase Transfer Limit On First Bank USSD Code

First Bank places a limit on how much you can transfer via USSD for security reasons.The default daily transfer limit is usually ₦100,000. If you want to increase this limit, you can do so by following these steps:

Visit A First Bank Branch

Go to the nearest First Bank branch with a valid ID card.Ask the customer service desk to help you increase your USSD transaction limit.You may need to fill out a short form and verify your identity.

Use The FirstMobile App

If you have the FirstMobile app installed, you can adjust your transfer limits within the app.To do this:

• Open the FirstMobile app.
• Go to Settings > Transaction Limits.
• Adjust your limit as needed (within allowed range).

Use A Hardware Or Soft Token

If you need to make higher-value transfers, First Bank allows you to use a token device or soft token app for added security. This helps you safely authorize transactions above your normal USSD limit.

How To Activate OTP For FirstBank

An OTP (One-Time Password) is a special security code sent to your phone or email during transactions.To ensure your OTP works properly:

• Make sure your phone number and email are correctly linked to your First Bank account.
• If you recently changed your SIM, visit any First Bank branch to update your details.
• For online transactions, enable OTP delivery via email and SMS.
• Keep your SIM card active and not blocked from receiving messages.
• If you still don’t receive OTPs, contact First Bank customer care via: Phone: +234 708 062 5000Email: firstcontact@firstbanknigeria.com

How Do I Activate A FirstBank Account

If your First Bank account is inactive or dormant, you can reactivate it easily. Here’s what to do:

• Visit the nearest First Bank branch.
• Bring along: A valid means of identification (NIN, Voter’s Card, or International Passport). A utility bill (for address verification).
• Fill out the account reactivation form.
• Your account will be reactivated within 24–48 hours.If your account was newly opened via USSD (*894#), simply fund it and start using it — it will automatically activate.

How Do I Check My FirstBank Account Balance Using USSD Code

Checking your account balance with First Bank’s USSD code is quick and easy. Just follow these steps:

• Dial *894*00# on your phone.
• Enter your 5-digit PIN when prompted.
• Your account balance will be displayed on your screen.
• You’ll also receive an SMS showing the same information for your records.

How Do I Transfer Money With USSD

Transferring money with First Bank’s USSD is one of the easiest things to do. Here’s a quick summary:

• To transfer to a First Bank account: Dial *894*Amount*Account Number#
• To transfer to another bank: Dial *894*Amount*Account Number#, then choose the bank name.
• Example:*894*5000*0123456789# Then confirm and enter your PIN to complete the transaction.

Conclusion

Using the *First Bank USSD code (894#) is one of the most convenient ways to manage your money anywhere, anytime — even without internet access. Whether you want to check your balance, send money, buy airtime, or pay bills, it’s all possible in seconds.In this guide, we’ve covered:

• What the new USSD code is
• How to activate it
• How to perform transfers
• How to increase your transaction limit
• How to fix common issues like OTP and SMS alerts

Now that you know how it works, go ahead and dial *894# to experience stress-free mobile banking today.

Frequent Asked Questions – FAQs

Why Is My Phone USSD Code Not Working

If your First Bank USSD code isn’t working, it may be due to one of the following reasons: You’re dialing from a phone number not linked to your First Bank account.Your SIM card is inactive or has poor network coverage.The service is temporarily unavailable.

Solution: Ensure you use your registered SIM card and have strong network service before dialing *894#.

Why Am I Not Receiving SMS From My Bank

This can happen if Your SMS inbox is full. Your SIM is inactive.You recently changed your phone number.

Solution: Delete old messages, make sure your SIM is active, and visit your bank branch to update your phone number if needed.

Why Is My Phone Not Receiving A Bank Verification Code

If you are not getting your verification or OTP code: Your line might be blocked for DND (Do Not Disturb).Your network provider may be delaying messages.

Solution: Text “ALLOW” to 2442 to deactivate DND and restart your phone.

How To Fix SMS OTP Not Received

To fix OTP issues:

• Make sure your phone has a network signal.
• Check if your SIM is inserted correctly.
• Disable DND (send ALLOW to 2442).
• If the issue persists, contact First Bank support.

For more information on How to Activate First Bank USSD Code, visit this blog post, https://www.firstbanknigeria.com/do-more-with-firstbank-ussd894-quick-banking-today