Heritage Bank Transfer Code – Full List of Heritage Bank USSD Codes (2023) - Techlimbs

Heritage Bank Transfer Code – Full List of Heritage Bank USSD Codes (2023)

Spread the love

HERITAGE BANK TRANSFER CODE: In an age where efficiency and accessibility are paramount, banking has transformed into a process that should be both convenient and swift. The emergence of technology in the financial sector has paved the way for innovative solutions that cater to the demands of modern consumers. One such solution is the Heritage Bank USSD Code, a tool that offers an effortless and efficient way to manage your banking needs. This comprehensive guide is designed to help you navigate the world of USSD banking with Heritage Bank, providing step-by-step instructions and insights into how you can make the most of this technology.

What We Covered

  1. What is USSD?
  2. What is the USSD Code for Heritage Bank?
  3. Requirements to Register & Activate Heritage Bank Code
  4. How to Register & Activate Heritage Bank USSD Code
  5. List of All Heritage USSD Codes
  6. Heritage Bank Codes and Actions
  7. Checking Balance with transfer code for Heritage Bank
  8. Heritage Bank Transfer Code (Intra-Bank)
  9. Heritage Bank Transfer USSD Code (Inter-Bank)
  10. Airtime Recharge for Self
  11. Top-Up Airtime for Others
  12. Additional Functions and Features
  13. Benefits of Using Heritage Bank USSD Code
  14. Heritage Bank USSD Charges
  15. Frequently Asked Questions (FAQs)
  16. About Heritage Bank Nigeria

What is USSD?

It’s essential to understand what USSD is and how it revolutionizes the way we interact with banking services. USSD stands for Unstructured Supplementary Service Data, a technology that allows users to access banking features through a unique code on their mobile phones. Unlike internet banking, USSD does not require an internet connection, making it an ideal solution for those with basic mobile phones or limited connectivity. This simple and versatile technology allows you to conduct various banking transactions without the need to visit a physical bank branch.

What is the Heritage Bank USSD Code?

The Heritage Bank USSD Code, also known as Heritage Bank transfer code, *745# acts as a virtual key to your bank account, granting you access to a range of banking services through the convenience of your mobile phone. Whether you need to check your account balance, transfer funds, buy airtime, pay bills, or perform other essential banking tasks, the USSD Code streamlines the process into a few straightforward steps. This tool has been designed with the user’s convenience in mind, enabling quick and secure transactions at any time of the day.

Requirements to Register & Activate USSD Code for Heritage Bank

To start using the Heritage Bank USSD Code, you need a few prerequisites in place:

  • A mobile phone with a registered SIM card linked to your Heritage Bank account.
  • Sufficient airtime on your phone to cover any associated charges.
  • The last six digits of your Heritage Bank debit card.

Ensuring that you have these prerequisites ready will make your journey into USSD banking seamless and hassle-free.

How to Register & Activate Heritage Bank Transfer Code

Activating the Heritage Bank USSD Code is a straightforward process that can be completed in a matter of minutes. Here’s how you can do it:

  1. Dial *745*AccountNumber*Last6DigitOfCard# from your registered mobile phone.
  2. Press ‘1’ to agree to the indemnification clause.
  3. Select your card type and input the card’s expiry date as printed on it.
  4. If you have multiple Heritage Bank accounts, choose the account you want to use for transactions.
  5. Create a 4-digit PIN for USSD transactions.
  6. Confirm your account number, PIN, and other details.
  7. Click “Send.”

Following these steps will activate the USSD Code and grant you access to a world of banking convenience.

List of All Heritage Bank USSD Codes

Heritage Bank Transfer Code

The Heritage Bank USSD Code opens the door to a wide array of banking functions that you can perform using your mobile phone. Here’s a breakdown of key USSD codes and their corresponding functions:

  • *745*0#: Check your account balance.
  • *745*1*Amount*AccountNumber#: Transfer money within Heritage Bank.
  • *745*2*Amount*AccountNumber#: Transfer funds to other banks.
  • *745*Amount#: Recharge your phone with airtime.
  • *745*Amount*MobileNumber#: Top-up airtime for others.
  • *745*00#: Change your USSD PIN.
  • *745*222*Bet9jaUserID*Amount#: Top-up your Bet9ja wallet.
  • *745*000*RefCode#: Make payments using USSD on POS & Web.
  • *745*000*522+etagNo+100#: Make LCC payments.
  • *745*11#: Block your account from any phone.
  • *745*000*226+AMOUNT#: Make offerings for RCCG Online Giving.

These USSD codes empower you to perform various transactions without the need for an internet connection or physical presence.

Heritage Bank USSD Codes and Actions

Let’s take a closer look at some specific functions that the Heritage Bank Code offers:

Checking Balance with Heritage Bank Code

Curious about your account balance? Simply dial 7450# from your registered phone number to receive real-time balance information.

Heritage Bank Transfer Code (Intra-Bank)

Need to send money within Heritage Bank? Dial 7451AmountAccountNumber# to initiate a seamless intra-bank transfer.

Heritage Bank Transfer USSD Code (Inter-Bank)

Transferring funds to accounts in other banks is effortless with the USSD Code. Dial 7452AmountAccountNumber# and follow the prompts to complete the transaction.

Airtime Recharge for Self

Running low on airtime? Recharge your own phone by dialing 745Amount# and stay connected without any interruptions.

Top-Up Airtime for Others with Heritage Bank Transfer Code

Help a friend or family member by topping up their airtime. Dial 745Amount*MobileNumber# to complete the transaction.

Additional Functions and Features

The USSD Code also provides functionalities like changing your PIN, topping up your Bet9ja wallet, making payments on POS and web platforms, settling LCC payments, making offerings for RCCG Online Giving, and even blocking your account or ATM card in case of emergencies.

Also Read: The United Bank for Africa USSD Code

Benefits of Using Heritage Bank USSD Code

The Heritage Bank Transfer Code offers a range of benefits that cater to the modern consumer’s lifestyle:

  • Convenience: Banking is at your fingertips, eliminating the need for physical visits to bank branches.
  • Accessibility: The USSD Code is available 24/7, ensuring that you can conduct transactions at any time, regardless of internet availability.
  • Time-Saving: Transactions are executed instantly, saving you from waiting in long queues.
  • Security: The PIN-based access adds an extra layer of security to your banking transactions.
  • Flexibility: From checking balances to making payments, the USSD Code provides access to multiple services on a single platform.

Heritage Bank Transfer Code Charges

While using the Heritage Bank USSD Code is convenient, it’s essential to be aware of the associated charges. These charges are minimal and ensure that you can continue using the service without any financial strain. To avoid interruptions during your transactions, ensure that your phone has sufficient airtime to cover these fees.

Frequently Asked Questions (FAQs) About Transfer Code for Heritage Bank

Q1: How can I check my account balance using the USSD code? A1: You can check your account balance by dialling *745*0# from your registered mobile number.

Q2: How can I perform funds transfer within Heritage Bank using the USSD code? A2: To transfer funds within Heritage Bank, dial *745*1*Amount*Account Number# and follow the prompts.

Q3: How do I transfer funds to another bank using the USSD code? A3: For interbank transfers, dial *745*2*Amount*Account Number# and follow the steps provided.

Q4: What’s the USSD code for self-airtime recharge? A4: To recharge your own phone, dial *745*Amount# using the USSD code.

Q5: Can I recharge airtime for someone else using the USSD code? A5: Yes, you can. Dial *745*Amount*Mobile Number# to recharge airtime for another person.

Q6: How do I change my USSD PIN with the USSD code? A6: To change your USSD PIN, dial *745*00# and follow the instructions.

Q7: How do I perform a Bet9ja top-up using the USSD code? A7: For Bet9ja top-up, dial *745*222*Bet9jaUserID*Amount# via the USSD code.

Q8: What’s the USSD code for making payments on POS and Web platforms? A8: To pay using USSD on POS & Web, dial *745*000*RefCode# and follow the prompts.

About Heritage Bank Nigeria

Heritage Bank Nigeria stands as a prominent financial institution at the heart of Nigeria’s banking landscape. Established in 2012, the bank has swiftly gained recognition for its commitment to simplifying and enriching banking experiences. Operating with a national license from the Central Bank of Nigeria, Heritage Bank offers an array of financial solutions tailored for individuals, businesses, and communities. Its services span retail banking, corporate banking, online/internet banking, investment banking, and asset management.

With its headquarters in Lagos, the bank’s reach extends across Nigeria, serving diverse regions. Heritage Bank’s dedication is evident in its customer-centric approach, modern technologies, and innovative solutions, all aimed at making banking seamless and accessible to all. In a short span of time, Heritage Bank has established itself as a trusted partner, contributing to the financial growth and convenience of Nigerians.


In a world that demands efficiency and convenience, the Heritage Bank Transfer Code emerges as a powerful tool that aligns with the needs of the modern consumer. This comprehensive guide has equipped you with the knowledge and insights needed to navigate the world of USSD banking seamlessly. By utilizing the Heritage Bank USSD Code, you can enjoy the benefits of convenience, accessibility, and security while managing your finances on the go. Embrace the future of banking with Heritage Bank and embark on a journey of effortless and efficient banking transactions through the USSD Code.

Leave a Comment