Eco Bank Transfer Code | How to Activate and Send Money

Eco Bank, one of the leading financial institutions in Africa, has made banking more convenient than ever by introducing the Eco Bank transfer code.

This comprehensive guide will take you through what the Eco bank transfer code is, how to activate it, create a transfer pin, and use it to send money within Eco Bank and to other banks in Nigeria.

We will also delve into the benefits and features of using this service, ensuring that by the end of this post, you’ll be equipped to handle your transactions with ease and security.

What is the Eco Bank Transfer Code?

The Eco Bank transfer code is a short, easy-to-remember code that allows Eco Bank customers to perform a wide array of financial transactions directly from their mobile phones without the need for internet data.

The service is available 24/7, providing a convenient way to send money, pay bills, check account balances, and more simply by dialing the USSD code *326#.

All You Need to Know About the Eco Bank Transfer Code

The Eco Bank transfer code is a vital tool for anyone looking to streamline their banking tasks. It is a secure, fast, and reliable method of performing transactions without visiting the bank.

This service is available 24/7, including weekends and public holidays, making it highly convenient for customers.

How to Activate the Eco Bank Transfer Code

Activating the Eco bank transfer code is straightforward. To begin with, ensure that you have an existing account with Eco Bank. Follow these steps to start the transfer code:

  1. Dial *326# using the phone number registered with your Eco Bank account.
  2. Follow the prompts to link your bank account to the mobile USSD service.
  3. Set up a secure 4-digit PIN that will be used to authorize transactions.

This activation process not only grants you access to transfer services but also opens up a suite of functionalities to manage your account efficiently.

How to Create an Eco Bank Transfer PIN

Creating an Eco Bank transfer pin is a critical step in securing your transactions. This pin will be required every time you initiate a transaction to ensure that you’re the one in control of your account. Here’s how to create your transfer pin:

  1. Dial the Eco Bank transfer code *326#.
  2. Select the option to create or change your pin.
  3. You may be asked to enter your Eco Bank account number for verification.
  4. Choose a 4-digit pin that you can easily remember but hard for others to guess.
  5. Confirm the pin by entering it again when prompted.

Remember, your pin should be kept confidential to prevent unauthorized access to your account.

How to Transfer Money Using the Eco Bank Transfer Code

Transferring money using the Eco Bank transfer code involves a simple process:

  1. Dial *326# from your mobile phone.
  2. Select the ‘Transfer Funds’ option from the menu.
  3. Enter the amount you want to transfer.
  4. Input the recipient’s bank account number.
  5. Choose the recipient’s bank from the list provided.
  6. Confirm the details, then enter your Eco Bank transfer pin to authorize the transaction.
  7. You will receive an SMS confirmation for the transaction.

How to Transfer Money from Eco Bank Transfer Code to Other Banks in Nigeria

The process of sending money to other banks in Nigeria using the Eco Bank transfer code is similar to transferring money within Eco Bank:

  1. Dial *326# and select the option for transferring to other banks.
  2. Enter the amount and the other bank’s account number.
  3. Select the recipient’s bank from the available list.
  4. Verify the account name and proceed.
  5. Enter your pin to confirm and complete the transaction.

It’s important to double-check the recipient’s account details before confirming the transfer to avoid sending money to the wrong account.

The Benefits of Using the Eco Bank Transfer Code

The benefits of using the Eco Bank transfer code are numerous:

  • Convenience: Bank from anywhere, anytime, without needing internet access.
  • Speed: Transactions are completed in a matter of seconds.
  • Ease of Use: The simple USSD code is easy to remember and use.
  • Security: Protected by a secure pin to keep your transactions safe.
  • Accessibility: Works on any type of mobile phone, smart or not.
  • Cost-Effective: Lower fees compared to traditional banking methods.

The Features of Eco Bank Transfer Code

The Eco Bank transfer code service is packed with features designed to make banking as hassle-free as possible:

  • Fund Transfers: Send money to both Eco Bank and other bank accounts in Nigeria.
  • Airtime Purchase: Buy airtime for yourself and others.
  • Bill Payments: Pay utility bills, subscriptions, and other services.
  • Account Management: Check your balance, request account statements, and manage your account.
  • Loan Services: Apply for and manage loans offered by Eco Bank.


Using the Eco Bank transfer code can significantly enhance your banking experience by making it more accessible and efficient.

By following the guidelines provided in this post, you can activate your transfer code service, create a secure PIN, and conduct seamless transactions anytime and anywhere. Remember to keep your pin confidential, and always verify transaction details before finalizing them.

Eco Bank’s commitment to providing innovative banking solutions like the USSD transfer code service underscores its position as a forward-thinking financial institution. By tapping into the simplicity and power of the Eco Bank transfer code, you can enjoy a modern banking experience that aligns with your dynamic lifestyle.


Can I use the Eco Bank transfer code without an Eco Bank account?

No, the transfer code service is exclusive to Eco Bank account holders.

Is there a limit to how much I can transfer using the Eco Bank transfer code?

Yes, there are daily transaction limits for security reasons. You can contact Eco Bank for the current limits.

Are there charges for using the Eco Bank transfer code service?

There are minimal fees for transactions, which are typically lower than those for in-branch transactions.

Can I use the Eco Bank transfer code from abroad?

The Eco Bank transfer code is designed to work with local Nigerian phone numbers. If you have international roaming activated, it might be possible, but additional charges may apply.

What should I do if I forget my Eco Bank transfer pin?

You should visit an Eco Bank branch or contact their customer service to assist you in resetting your pin.

Is it safe to use the Eco Bank transfer code on public or shared phones?

You should always exercise caution when using public or shared phones for any financial transactions. Never disclose your pin or sensitive account information.

Can I transfer money to an international account using the Eco Bank transfer code?

Currently, the Eco Bank transfer code is for domestic transactions within Nigeria.