Keystone Bank Transfer Code | How to Activate and Send Money

Keystone Bank has introduced a service that epitomizes both, making transactions as easy as a few taps on your mobile device.

This service is the Keystone Bank Transfer Code. It’s an essential tool for customers, allowing them to carry out a myriad of banking operations without the need to visit a branch.

In this comprehensive guide, we will explore what the Keystone Bank transfer code is, its benefits, and how to utilize it effectively.

What is Keystone Bank Transfer Code?

The Keystone Bank transfer code is a shortcode or USSD (Unstructured Supplementary Service Data) code that allows Keystone Bank customers to perform a variety of financial transactions directly from their mobile phones.

This service is part of a broader initiative known as mobile banking, which has gained immense popularity due to its convenience. With the Keystone Bank transfer code, customers can send money to other Keystone Bank accounts, other banks, check their account balance, pay bills, and much more, all by dialing a simple code.

All You Need to Know About the Keystone Bank Transfer Code

The Keystone Bank transfer code service is designed to be a quick, secure, and user-friendly means of carrying out financial transactions. It does not require an internet connection and is available 24/7, making it accessible for all Keystone Bank customers regardless of their location or the type of mobile phone they use.

How to Activate the Keystone Bank Transfer Code

To take advantage of the mobile banking services offered by Keystone Bank, you need to activate the USSD code on your account. Here is a step-by-step guide to activating the Keystone Bank transfer code:

  1. Ensure that the mobile number you are using for activation is the one registered with your Keystone Bank account.
  2. Dial *7111# from your mobile phone.
  3. Follow the on-screen prompts to enter your account number and create a 4-digit PIN that will be used to authenticate transactions.
  4. Once you have successfully set your PIN, you will receive a message indicating that you have activated the mobile banking service.

How to Create Keystone Bank Transfer PIN

Creating a secure PIN for your Keystone Bank transactions is a critical step in safeguarding your account. Here’s how to create your Keystone Bank transfer PIN:

  1. Dial *7111# on your registered mobile phone.
  2. Select the option to create or change your PIN.
  3. You may be prompted to enter your account details or debit card information to verify your identity.
  4. Once verified, you will be directed to set a new 4-digit PIN.
  5. Choose a PIN that is hard to guess but easy for you to remember. Do not share it with anyone.

How to Transfer Money Using Keystone Bank Transfer Code

Transferring money is straightforward with the Keystone Bank USSD code. Here’s how you can send money:

  1. Dial *7111*Amount*Account Number# to transfer money to a Keystone Bank account. For example, *7111*5000**1234567890# to send ₦5,000.
  2. To send money to other banks in Nigeria, you might need to select the bank from a list after dialing the code or add the bank’s unique USSD code.
  3. Confirm the account name and proceed.
  4. Enter your transfer PIN to authenticate the transaction.
  5. You will receive a confirmation SMS once the transfer is successful.

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

  1. Dial *7111*Amount*Account Number# on your phone.
  2. Select the beneficiary bank from the displayed list.
  3. Confirm the full name of the recipient and proceed if correct.
  4. Enter your 4-digit PIN to authorize the transaction.
  5. Once confirmed, the recipient account will be credited, and you will receive an SMS notification.

The Benefits of Using the Keystone Bank Transfer Code

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

  • Convenience: Perform transactions from anywhere, at any time.
  • Speed: Transactions are completed within seconds.
  • No Internet Required: The USSD code works without an internet connection.
  • Safety: Enhanced security with the use of a personal PIN.
  • Ease of Use: Simple and easy-to-remember code for all transactions.
  • Accessibility: Works on any mobile phone, not limited to smartphones.

The Features of Keystone Bank Transfer Code

The Keystone Bank transfer code comes with a host of features that facilitate a seamless banking experience:

  • Account Balance Enquiry: Check your account balance on the go.
  • Airtime Purchase: Buy airtime for yourself or others.
  • Bill Payments: Pay utility bills without hassle.
  • Funds Transfer: Send money to Keystone Bank and other Nigerian banks.
  • Mini Statement: Get a mini-statement of your recent transactions.


The Keystone Bank Transfer Code is not just a convenience but a necessity in our increasingly mobile and fast-paced world. It stands out as a beacon of innovation in Nigeria’s banking industry, providing customers with the freedom to manage their finances at their fingertips.

By integrating simplicity and security, Keystone Bank has crafted a service that caters to the immediate financial needs of its customers while providing the assurance of a safe transactional environment.

With the comprehensive insights provided in this post, you are now equipped to activate, operate, and benefit from the Keystone Bank USSD code. It’s time to embrace the seamless convenience that the Keystone Bank Transfer Code offers, and elevate your banking experience to new heights.

Whether you’re paying bills, transferring funds, or checking your account balance, your banking is now as simple as a few taps on your phone, anytime and anywhere.


Here are some common questions and answers based on SERP results related to the Keystone Bank transfer code:

What is the limit for transfers using the Keystone Bank USSD code?

The transfer limit is usually set by the bank, and customers are advised to contact Keystone Bank directly for current limits.

Can I use the Keystone Bank transfer code on multiple phones?

No, for security reasons, the USSD code can only be activated on the phone number linked to your Keystone Bank account.

Is there a charge for using the Keystone Bank transfer code?

Yes, there may be nominal fees for transactions carried out via the USSD code, which will be disclosed during the transaction process.

What should I do if I forget my transfer PIN?

You should immediately contact Keystone Bank customer care to help you reset your PIN.

Can I use the Keystone Bank transfer code if I have no airtime on my phone?

Yes, you can perform USSD transactions on some networks even with zero airtime balance, but this policy may change, so it’s best to have a minimum balance.