How To Activate Wema Bank Transfer Code In 2025/2026

In today’s world, banking in Nigeria has gone fully digital, and Wema Bank is one of the pioneers leading that change. If you want to transfer money, check your account balance, or pay bills quickly without internet data, the Wema Bank transfer code is your go-to solution.

This article explains everything you need to know about Wema Bank transfer code, including how to activate it, create or reset your PIN, transfer money to other banks (including Opay), and more.

Let’s dive in

What Is Wema Bank USSD Code

The Wema Bank USSD code is *945#. It allows you to perform almost any banking transaction directly from your mobile phone without needing internet access.

This service is available 24/7 and works on all mobile networks in Nigeria — MTN, Airtel, Glo, and 9mobile.With *945#, you can:

• Transfer money to Wema or other banks
• Check account balance
• Buy airtime or data
• Pay bills (DSTV, PHCN, etc.)
• Open a Wema Bank account
• Generate a mini statement
• Request a loan

In short, it gives you full access to your bank anytime, anywhere.

Also Read: How To Activate Sterling Bank USSD Code: 2025/2026 Guide

How Do I Activate My Wema Bank Transfer Code

To start using Wema Bank’s transfer code, you must first activate it. Follow these simple steps:

• Dial *945# on your mobile phone.
• Select “Register” or “Open Account” (depending on your screen).
• Enter your Wema Bank account number.
• Create a 4-digit PIN.
• Confirm your PIN.
• Your registration will be completed successfully.

Once you’ve activated your code, you can start using it to perform any transaction.

Also Read: How To Activate Unity Bank USSD Code: Step By Step Guide

How To Get Default PIN For Wema Bank USSD

When you first register for the Wema Bank USSD service, you will be prompted to create your own 4-digit PIN — there is no default PIN.

However, if you opened your account via the ALAT app or Wema Bank branch, your initial PIN setup may require activation through your debit card or registered phone number.

If you forget your PIN or can’t remember setting one up, don’t worry — you can easily reset it.

How Can I Reset My Wema Bank Transfer PIN

If your Wema transfer PIN isn’t working or you simply forgot it, here’s how to reset it:

• Dial *945# on your registered phone line.
• Select “Change/Reset PIN”.
• Follow the on-screen instructions.
• You may need to provide your account number, ATM card details, or date of birth for verification.
• Create a new 4-digit PIN.

Once done, your PIN will be reset instantly and you can resume transactions.

How To Create PIN For Wema Bank Transfer

If you are a new user or just activated the USSD code, here’s how to create your transaction PIN:

• Dial *945#.
• Select “Create PIN”.
• Enter your Wema account number.
• Create a new 4-digit PIN.
• Confirm it to finalize setup.
• Your PIN is what authorizes your USSD transactions — keep it secret and never share it with anyone.

How To Check Wema Bank Balance

You can easily check your account balance without visiting the bank or using the app. Here’s how:

• Dial *945*0#.
• Enter your 4-digit PIN.
• Your account balance will appear on your screen instantly.

Note: A small service fee may apply depending on your mobile network.

What Is The Daily Transfer Limit For Wema Bank

The daily transfer limit depends on your registration type:

Registration Type	Daily Transfer Limit	Authentication Method
Without ATM Card	₦20,000 per day	Pin Only
With ATM Card	₦100,000 per day	PIN And Card Linked
Via ALAT App	Up to ₦500,000 per day	Mobile App Authentication

You can increase your daily limit by visiting any Wema Bank branch or through the ALAT mobile app.

How To Transfer From Wema Bank To OPay

Transferring money from Wema Bank to your OPay account is simple. Just follow these steps:

• Dial *945*BeneficiaryAccountNumber*Amount#.
• Example: *945*1234567890*5000#
• Select “Other Banks”.
• Choose OPay (Paycom) from the list.
• Confirm the account name displayed.
• Enter your PIN to complete the transfer.
• Your recipient will receive the funds instantly.

Wema Bank Customer Care Number

If you face any issues while using Wema’s USSD service, you can contact their customer care for help. Here’s how to reach Wema Bank customer care:

• Phone: 07000-9362-000
• Email: purpleconnect@wemabank.com
• Social Media:
• Twitter: @wemabank
• Instagram: @wemabank
• Website: www.wemabank.com

They’re available 24/7 to resolve complaints or inquiries.

How To Get Wema ALAT PIN

The Wema ALAT PIN is a 4-digit security code used to authorize transactions on the ALAT app (Wema’s digital banking platform). If you’re an ALAT user:

• Log in to the ALAT app.
• Go to Settings – Security – Create/Reset Transaction PIN.
• Enter your new 4-digit PIN.
• Confirm to save changes.
• You’ll use this PIN for all mobile transactions done on the ALAT app.

Conclusion

The Wema Bank transfer code makes banking easier, faster, and more convenient for every customer. Whether you’re checking your balance, paying bills, or sending money to friends, you can do it all from any phone — no internet needed.

By mastering this simple code, you can stay in control of your finances wherever you are.

Frequent Asked Questions – FAQs

Does Wema Bank Have A USSD Code

Yes, Wema Bank’s official USSD code is *945#. It allows you to perform all your banking transactions easily without the internet.

Can I Use The Wema Bank USSD Code On Any Phone

Yes, you can use it on any phone, whether it’s a smartphone or a basic (button) phone. You only need the mobile number linked to your Wema Bank account.

What If I Forget My Wema USSD PIN

If you forget your PIN, dial *945# and choose “Reset PIN”. Follow the prompts to create a new one.

Why Is My Wema Bank USSD Code Not Working

Your USSD code might not work because of:

• Poor network coverage
• Using an unregistered SIM
• Entering the wrong PIN repeatedly
• Service downtime
• If the issue persists, contact Wema customer care or visit a branch.

What Is Wema’s Default PIN

Wema Bank does not assign a default PIN for security reasons. You’ll create your own 4-digit PIN during registration or reset it if forgotten.

Can I Use The Wema USSD Code Abroad

No, the *945# code only works on Nigerian mobile networks. If you’re outside Nigeria, use the ALAT app for your transactions.

How Can I Open A Wema Bank Account With USSD

Dial *945*1# and follow the prompts. You’ll receive your new account number instantly without visiting the bank.

How To Buy Airtime Using Wema Bank USSD

To buy airtime:For yourself: Dial *945*Amount#For others: Dial *945*PhoneNumber*Amount# Example: *945*08012345678*500#

How To Check My Wema Bank Mini Statement

Dial *945*4# to view your last few transactions right on your phone.

Can I Deactivate Wema Bank USSD Code

Yes, if you lose your phone or suspect unauthorized access, contact Wema Bank customer care immediately or visit the nearest branch to block your USSD profile.

For more information on wema bank transfer code, visit this blog post, https://monierate.com/bank-codes/ussd/wemabank