Heritage Bank Transfer Code | How to Activate and Send Money

In this fast-paced digital age, managing your finances has never been more convenient. With the rise of mobile banking and the ever-expanding array of digital services at our fingertips, handling transactions and sending money has become a breeze. If you’re a Heritage Bank customer, you’re in for a treat, as we delve into the world of cutting-edge convenience in this blog post.

Imagine being able to transfer money, pay bills, and manage your accounts right from your smartphone, without the hassle of visiting a bank branch or standing in long queues. The Heritage Bank Transfer Code is your ticket to this world of financial freedom and efficiency.

So, if you’re eager to learn how to activate this feature and send money with ease, you’re in the right place. Whether you’re a tech-savvy individual looking to streamline your financial transactions or a newcomer to the world of digital banking, this guide will empower you to make the most of this incredible tool.

In this comprehensive guide, we’ll dive deep into everything you need to know about the Heritage Bank transfer code, including how to activate it, create a PIN, and transfer money with ease. Let’s embark on this financial journey together.

What is the Heritage Bank Transfer Code?

The Heritage Bank transfer code is a short, easy-to-remember number designed to facilitate a variety of banking transactions directly from your mobile phone, without the need for internet access.

It’s a part of the bank’s USSD (Unstructured Supplementary Service Data) banking services, offering a secure and instantaneous way to manage your finances on the fly.

All You Need to Know About the Heritage Bank Transfer Code

Heritage Bank has crafted its transfer code service to be as user-friendly as possible, allowing customers to perform financial transactions with just a few taps on their mobile devices. From checking your balance to paying bills and, of course, transferring funds, this service is tailored to streamline your banking activities.

How to Activate the Heritage Bank Transfer Code

Activating the Heritage Bank Transfer Code is a straightforward process. Follow these steps to get started:

  1. Ensure that the mobile number linked to your Heritage Bank account is active.
  2. Dial *745# on your mobile phone.
  3. Select your preferred language.
  4. Follow the on-screen instructions to create a secure PIN.
  5. Once your PIN is created, you will receive a confirmation message
  6. Heritage Bank Transfer Code will be activated.

How to Create Heritage Bank Transfer PIN

Security is paramount in banking, and your transfer PIN is a critical component of that security. Here’s how to create your Heritage Bank transfer PIN:

  1. Dial *745# on your mobile phone.
  2. Select “Transfer PIN” from the menu.
  3. Follow the on-screen prompts to set a secure 4 to 6-digit PIN.
  4. Confirm your PIN to complete the process.

Remember, your PIN should be kept confidential at all times to prevent unauthorized access to your account.

How to Transfer Money Using Heritage Bank Transfer Code

Transferring money is straightforward once your transfer code service is activated. Here’s how to do it:

  1. Dial the *745# Heritage Bank transfer code from your phone.
  2. Select the option for fund transfer.
  3. Enter the recipient’s account number and the bank name.
  4. Input the amount you wish to transfer.
  5. Authenticate the transaction with your transfer PIN.
  6. You’ll receive a confirmation message with the details of the completed transaction.

How to Transfer Money from Heritage Bank to Other Banks in Nigeria

Sending money to accounts in other banks is just as easy:

  1. Dial the same *745# for the Heritage Bank transfer service.
  2. Choose the option to send money to other banks.
  3. Enter the beneficiary’s bank details, including account number and bank name.
  4. Specify the amount to transfer.
  5. Confirm the details, enter your PIN, and send.
  6. A confirmation SMS will be sent to you verifying the transaction.

Read Also: Jaiz Bank Transfer Code | How to Activate and Send Money

The Benefits of Using the Heritage Bank Transfer Code

The advantages of using the Heritage Bank transfer code are numerous:

  1. Convenience: Access banking services 24/7 from the comfort of your mobile phone, eliminating the need to visit a physical bank branch.
  2. Speed: Conduct transactions quickly and efficiently, reducing time spent waiting in queues.
  3. Security: Enjoy enhanced security features, including a transfer PIN, to protect your transactions.
  4. Accessibility: The Heritage Bank Transfer Code is available to all Heritage Bank customers with active mobile numbers.
  5. Interoperability: Send money to accounts in other banks across Nigeria seamlessly.
  6. Cost-Effective: Save on transportation costs and other expenses associated with visiting a bank branch
  7. .

The Features of Heritage Bank Transfer Code

The Heritage Bank transfer code isn’t just for transferring money. It’s packed with features to enhance your banking experience, such as:

  • Balance Inquiry: Check your account balance conveniently.
  • Airtime Recharge: Top up your mobile phone or that of a loved one with ease.
  • Bill Payments: Pay utility bills, such as electricity and cable TV, without hassle.
  • Transaction History: View your recent transactions to track your spending.
  • Fund Transfers: Transfer funds within Heritage Bank or to other banks effortlessly.
  • Mini Statement: Receive a summary of your recent transactions via SMS.


The Heritage Bank transfer code is an indispensable tool for any customer looking to make their banking experience as hassle-free as possible. With its straightforward activation process, the ability to create a secure PIN, and the convenience of conducting various transactions from the palm of your hand, it’s clear that this service is tailored to meet the demands of modern banking.

Whether you’re transferring funds between Heritage accounts or to other banks in Nigeria, paying bills, or checking your balance, the (*745#) USSD service ensures that your banking needs are just a few buttons away, anytime and anywhere.

By incorporating these features into your daily routine, you’ll not only save time but also have peace of mind knowing that your financial transactions are secure and efficient. Heritage Bank’s commitment to providing a seamless banking experience is evident through their transfer code service, putting them at the forefront of customer-centric banking in Nigeria.

Watch the video below to learn more about Heritage Bank Transfer Code:



Is there a fee for using the Heritage Bank transfer code service?

Heritage Bank may charge a nominal fee for transactions done via the  *745#. It’s best to check the latest fee structure with the bank.

What if I forget my transfer PIN?

You can reset your PIN by following the prompts after dialing  *745#, often involving answering security questions or using your debit card details for verification.

Can I use the Heritage Bank transfer code outside Nigeria?

The service is designed primarily for use within Nigeria. For international services, check with Heritage Bank for available options.

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

Yes, there are daily transaction limits for security purposes. Contact Heritage Bank to know the current limits.

How do I know if my transaction was successful?

You will receive an SMS confirmation for every transaction. If you don’t, or if you encounter any issues, contact Heritage Bank customer service.