Globus Bank USSD Code *989#: Full Guide to Transfers, Balance Check & More (2026)

The Globus Bank USSD code (*989#) is one of the most practical tools in Nigeria’s digital banking space today. As a CBN-regulated commercial bank, Globus has prioritized making banking fast, reliable, and truly accessible even for users without smartphones or stable internet. The Globus Bank USSD code allows anyone with a registered phone number to perform essential transactions directly from their dialer pad: checking balances, transferring money, buying airtime or data, paying bills, opening accounts, managing PINs, and withdrawing cash through agents.

For many Nigerians market traders in busy Lagos markets, students in university hostels, small business owners in rural areas, or commuters dealing with poor network coverage the Globus Bank USSD code means no more waiting for apps to load or worrying about data bundles. Simply dial *989#, follow the clear prompts, enter your PIN, and complete your task in seconds. This guide dives deep into everything about the Globus Bank USSD code setup, shortcuts, full transaction walkthroughs, fees, limits, security, troubleshooting, and comparisons so you can use it confidently and efficiently.

Why the Globus Bank USSD Code (*989#) Is a Daily Essential

Banking in Nigeria often means dealing with unreliable internet, expensive mobile data, or simply not owning a high-end smartphone. The Globus Bank USSD code solves these problems by working over basic GSM networks no Wi-Fi, no mobile data, no app downloads required. It runs on any phone that can make calls, from old Nokia feature phones to basic Android devices.

Globus designed the Globus Bank USSD code to be clean and fast. Menus are short, language is straightforward, and most actions finish in under 30 seconds. This speed is perfect for real-world situations: topping up airtime before an important call, sending money to a supplier mid-market day, paying electricity bills from home, or confirming a salary credit while on the road. In a time when every kobo matters, the low fees and transparent prompts make the Globus Bank USSD code especially valuable.

How to Register and Activate the Globus Bank USSD Code

You need a Globus Bank account linked to your phone number before the Globus Bank USSD code becomes active.

Fastest way open an account directly via the Globus Bank USSD code:
Dial *989#
Select “Open Account” (usually one of the top menu options)
Choose phone number or BVN registration
Enter your full name, date of birth, BVN (strongly recommended for higher limits), and other required info
Set a secure 4- or 6-digit transaction PIN
Receive your new account number instantly via SMS

Alternative methods:
Visit any Globus branch or authorized agent
Download the Globus Mobile App (Google Play / App Store)
Sign up online at globusbank.com

After account activation:
Dial *989# from your registered phone number
The system auto-detects your line and may ask for a one-time PIN confirmation
From that point, the Globus Bank USSD code is fully ready no extra fees or steps

Critical tip: Always use the exact phone number registered with Globus. Dialing from another SIM will block access to protect your account.

Navigating the Globus Bank USSD Code Menu

Dialing *989# brings up a simple, numbered menu. Typical layout includes:

1. Transfers
2. Airtime & Data
3. Bill Payments
4. Check Balance
5. Open Account / Other Services
6. PIN Change / Account Management
0. More / Help

Select any option by typing its number and pressing send. The system asks only for what it needs (amount, recipient, PIN), shows confirmations clearly, and times out automatically for security.

Best Globus Bank USSD Code Shortcuts

Save time with these direct codes:

Self airtime: *989*amount# (e.g., *989*500# for ₦500)
Transfer to Globus account: *989*1*amount*accountnumber#
Transfer to other banks: *989*2*amount*accountnumber# (then pick bank)
Balance check: Menu option 4 (or watch for any direct shortcut Globus announces)

These shortcuts bypass deeper menus but still require your PIN. Always verify recipient details twice transfers are final once confirmed.

Complete Step-by-Step Instructions for Key Features

Check Balance with the Globus Bank USSD Code

Dial *989#
Choose balance inquiry (usually option 4)
Enter your PIN
See your current balance instantly (often shows both available and ledger amounts)

Transfer Money Using the Globus Bank USSD Code

Intra-bank (to another Globus customer):
Use shortcut *989*1*amount*accountnumber# → PIN
Or menu → Transfers → Intra-bank → enter details

Inter-bank:
Menu → Transfers → Inter-bank
Select destination bank
Input full account number
Enter amount
Review displayed fee
Confirm with PIN

You’ll get a transaction reference for tracking.

Buy Airtime or Data via the Globus Bank USSD Code

Own line airtime: *989*amount# → PIN
Another person’s line: Menu → Airtime & Data → Others → phone number + amount
Data bundles: Menu → Airtime & Data → Data → pick network → choose plan → recipient number

Promotions (extra data or bonus airtime) are common.

Pay Bills with the Globus Bank USSD Code

Dial *989# → Bill Payments
Select category: electricity (IKEDC, EKEDC, etc.), cable (DSTV, GOtv), water, betting, insurance
Enter meter/smartcard/customer reference
Input amount
Confirm fee
Authorize with PIN

Payments usually reflect within seconds.

Cash Withdrawal / Deposit at Agents

Menu → Cash Services
Enter agent’s code or phone number
Specify amount
Confirm with PIN
Agent handles the cash exchange and provides receipt

Other Handy Globus Bank USSD Code Features

Change PIN: Menu → PIN Management
Account opening: Direct menu option
Mini-statement: Often under balance or other services
Help / Contact: Look for support option

Fees, Limits, and Cost Transparency

Dialing *989# is free.
Typical service fee: ₦10 per most transactions (transfers, bills, etc.) shown before you confirm
Airtime/data: network rates + occasional Globus bonuses
Inter-bank transfers: ₦10–50 depending on amount

Daily limits by KYC level:
Basic registration: ₦50,000–100,000
Full KYC (BVN + ID): ₦500,000+

Every step displays fees, new balance impact, and limits upfront.

Security Tips for Using the Globus Bank USSD Code

Your PIN is your main defense never share it. Globus never requests PINs via SMS, calls, or messages.
If your phone is lost, call customer care immediately to block USSD access (+234 201 466 1000 or [email protected]).
Activate SMS/email alerts for instant transaction notifications.
Avoid using public phones for banking.
Ignore any suspicious “Globus” messages official alerts come only from verified channels.

Fixing Common Globus Bank USSD Code Issues

Invalid PIN → Reset via menu or support
Declined transaction → Check phone airtime balance, signal, or daily limit
No menu → Verify number is registered; restart phone
Wrong recipient → Contact support fast some reversals possible if reported quickly

Globus Bank USSD Code vs Other Services

Globus *989# → Super simple menus, easy USSD account opening, clean design
Opay *955# → Larger agent network, more airtime/data promos
Access *901# → Higher limits, wider billers
GTB *737# → More advanced USSD options, long track record

Globus wins for users who want quick, no-fuss banking.

Impact on Everyday Nigerians

The Globus Bank USSD code removes barriers for rural users, informal traders, students, and low-income families. It enables fast transfers, bill payments, and account access without data or branches directly supporting financial inclusion goals.

Final Takeaway

The Globus Bank USSD code (*989#) makes banking simple, fast, and truly accessible no data, no complications. Dial it for balance checks, transfers, airtime, bills, or cash services anytime. For advanced features like debit cards or loans, open the Globus app or visit globusbank.com. Keep it handy *989# is banking that works for everyone.

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