How to Send Money to a Bank Account Without a Bank App
Sending money to a bank account without using a bank app is possible in Nigeria through options such as USSD banking, internet banking, an ATM, a bank branch or an authorised banking agent. The method available depends on your bank and the services linked to your account.
Ways to Send Money Without a Bank App
| Method | What You Need |
|---|---|
| USSD banking | Your registered phone number and bank’s USSD service |
| Internet banking | Internet access and your bank’s online banking login |
| ATM transfer | A supported ATM and usually your debit card |
| Bank branch | Account details and any identification required |
| Banking agent | Cash and the recipient’s correct account details, where supported |
How to Transfer Money With USSD
- Dial your bank’s current official USSD code from the phone number linked to your account.
- Select the transfer option.
- Enter the recipient’s bank and account number.
- Enter the amount you want to send.
- Confirm the recipient’s details carefully.
- Authorise the transaction with your required USSD PIN or authentication method.
- Keep the transaction reference or confirmation message.
Can You Transfer Money at an ATM?
Some Nigerian banks provide account-to-account transfer services through their ATMs. Availability varies, and you may need your debit card and PIN to access the transfer menu.
Can You Send Money From a Bank Branch?
Yes. You can visit your bank and ask about making a transfer through the branch. You will normally need the recipient’s correct account information and may need to provide identification or complete a transfer form.
Can an Agent Send Money to a Bank Account?
Authorised banking agents and financial service outlets may support transfers to bank accounts. Before using an agent, confirm that the outlet is authorised and verify the recipient’s details before the transaction is completed.
What Information Do You Need?
For most bank transfers, you need the recipient’s account number and bank name. Always confirm the account name displayed by your bank before authorising the payment.
Safety Tips
Use only your bank’s official USSD code, website, ATM or authorised service point. Never disclose your transaction PIN, password or one-time authentication code to another person. Keep your transaction receipt or reference until the recipient confirms the money was received.
You do not necessarily need a mobile banking app to transfer money. USSD is often the most convenient option when you have a supported bank account and a registered phone number.