Wema Bank Transfer Code | How to Activate and Send Money

Wema Bank has introduced an innovative solution that is transforming how we handle money: the Wema Bank Transfer Code. This isn’t just a tool; it’s a bridge to a world of swift, secure, and stress-free financial transactions.

As you read through this blog post, we will unveil the straightforward process of activating and using the Wema Bank Transfer Code. This powerful feature is designed to make your life easier, allowing you to send money, pay bills, and manage your finances with just a few taps on your phone. Our goal is to provide you with a clear, concise guide that demystifies the process and puts the power of efficient banking in your hands.

Step into the world of enhanced banking convenience as we walk you through each step of utilizing this revolutionary service. With Wema Bank’s Transfer Code, you are not just conducting transactions; you are embracing a smarter way of banking that aligns with your dynamic lifestyle. Ready to transform how you manage your money? Let’s get started.

What is Wema Bank Transfer Code?

The Wema Bank Transfer Code is a short, unique USSD (Unstructured Supplementary Service Data) code specially designed for Wema Bank customers.

It provides a secure and swift platform for conducting various banking transactions straight from your mobile device. This service is available 24/7 and is compatible with any mobile phone, whether it’s a smartphone or a basic feature phone. This versatility ensures that all Wema Bank customers can enjoy banking services at their convenience.

All You Need to Know About the Wema Bank Transfer Code

The Wema Bank Transfer Code is *945#. With it, customers can enjoy a range of banking services, such as checking account balances, transferring funds, buying airtime, paying bills, and much more.

The service is designed with the customer’s convenience and security in mind, providing a reliable and user-friendly platform for managing finances on the go.

How to Activate the Wema Bank Transfer Code

To take advantage of this service, you must first activate the Wema Bank Transfer Code for your account. Here’s how:

  1. Dial *945# from the phone number registered with your Wema Bank account.
  2. Follow the on-screen prompts to enter your Wema Bank account number.
  3. Create a 4-digit Personal Identification Number (PIN) that will be used to authenticate transactions.
  4. Once you complete the process, you will receive a confirmation message indicating that you have successfully activated the Wema Bank Transfer Code service.

How to Create a Wema Bank Transfer PIN

Creating a transfer PIN is a crucial step to ensure the security of your transactions. Here’s how to set it up:

  1. Dial *945# on your mobile phone.
  2. Select the option to create or change your PIN.
  3. You may be required to provide specific details like your date of birth or account number for verification.
  4. Once verified, enter your preferred 4-digit PIN.
  5. Confirm your PIN by entering it again when prompted.

Remember, your PIN should be something you can easily remember but difficult for others to guess.

How to Transfer Money Using Wema Bank Transfer Code

Transferring money is straightforward once you have activated the service and created your PIN. To send money to a Wema Bank account:

  1. Dial *945*beneficiary*AccountNumber*amount# from your phone.
  2. Authenticate the transaction with your PIN.
  3. You will receive a confirmation message with the details of your transaction.

For transferring money to other banks in Nigeria:

  1. Dial *945*beneficiary*AccountNumber*amount#.
  2. Select the recipient’s bank from the list provided.
  3. Enter your PIN to authorize the transaction.
  4. Wait for a confirmation message indicating the transfer has been successful.

The Benefits of Using the Wema Bank Transfer Code

The Wema Bank Transfer Code service offers numerous benefits, including:

  • Convenience: Perform banking transactions anywhere and at any time.
  • Ease of Use: The service is easy to navigate with straightforward prompts.
  • No Internet Required: Transactions can be completed without data or an internet connection.
  • Security: Each transaction is protected with your unique PIN.
  • Speed: Transactions are completed almost instantaneously.
  • Accessibility: It works on all mobile phones and networks.

The Features of Wema Bank Transfer Code

The Wema Bank Transfer Code isn’t limited to money transfers. It encompasses a wide array of features:

  • Account Balance Inquiry: Check your account balance on the go.
  • Airtime Purchase: Buy airtime for yourself and others directly from your bank account.
  • Bill Payments: Pay utility bills, subscriptions, and other services instantly.
  • Fund Transfers: Send money to Wema Bank and other bank accounts in Nigeria.
  • Mini Statement: Get a mini statement of your account to keep track of your recent transactions.


Is the Wema Bank Transfer Code service available to all Wema Bank account holders?

Yes, all account holders can access this service provided they have a registered phone number linked to their account.

Are there any fees associated with using the Wema Bank Transfer Code?

While Wema Bank offers competitive charges for transactions, it’s best to check the latest fees directly with the bank or through the official Wema Bank website.

Can I use the Wema Bank Transfer Code service from any mobile network?

Yes, the service is network-agnostic, meaning it works with any mobile network in Nigeria.

How secure is the Wema Bank Transfer Code service?

The service employs robust security measures, including the use of a personal PIN for transaction authentication, ensuring that your financial information is secure.

What should I do if I forget my Wema Bank Transfer PIN?

If you forget your PIN, you can reset it by following the prompts after dialing *945# or by visiting a Wema Bank branch for assistance.

Is there a limit to how much I can transfer using the Wema Bank Transfer Code?

Yes, there are daily transaction limits for security reasons. However, these limits can vary, so it’s important to confirm the current limits with the bank.