Heritage Bank Transfer Code (*745#): How To Register and Use Heritage Bank USSD Code; All You Need To Know


Heritage Bank is one of the most stable financial services providers in Nigeria. They offer premium and productive financial services to retail, corporate, and commercial customers across the country.

Founded in 2012 with a current branch network of over 127 and with a staff strength of about 4000, Heritage Bank is poised to keep moving forward from its National Bank status to the international stage in the coming years.

Most importantly, they prioritize digital banking. Heritage Bank USSD code (*745#) assists the bank customers in sending money, making payments, loading airtime, paying bills, requesting quick loans, investing, and so on. All these are done from the comfort of their homes.

READ: How to Receive Money Directly into Domiciliary Account in Nigeria (6 Details you Must Provide)

This article is going to be focused on Heritage Bank USSD transfer code – *745#.

Heritage Bank USSD Transfer Code

The *745# USSD code gives you complete control of your Heritage Bank account. With the simple and efficient *745#, one can carry out basic transactions from one’s comfort without going to the bank to queue or fill forms.

Not needed

  • Internet
  • Smartphone
  • Airtime

What you needmark

  • A mobile phone

Key functions of Heritage Bank USSD Mobile Banking Code

  • Instant transfers
  • Check balance
  • Request loan
  • Pay bills
  • Request mini-statement
  • Buy airtime
  • Buy data
  • Account/ATM card blocking

How to Register for Heritage Bank USSD Transfer Code

Heritage Bank USSD service is not only free, but it is also DIY – meaning you can do it all by yourself. To register for Heritage Bank USSD service, you need the following:

  • A mobile phone (any type)
  • ATM Card (optional)
  • An individual account with Heritage Bank

How to Register:

  1. If you do not have an ATM Card, dial *745*Account number# and follow the prompts
  2. If you have an ATM Card, dial *745*Account Number*Last 6 digits of card#
  3. Press ‘1’ to proceed.
  4. Select your ATM Card type
  5. Enter your card expiry date
  6. Choose the account
  7. Select your 4-digit PIN and re-confirm
  8. Submit.

You’re in!

READ: GTBank USSD Code (*737#) – GTB Bank Transfer Code, Airtime, Bills Payment; All You Need To Know

Know what which code does…

Balance Enquiry*745*0#
Funds Transfer (to another Heritae Bank account)*745*1*Amount*Account Number#
Funds Transfer (InterBank)*745*2*Amount*Account Number#
Self-Airtime Recharge*745*Amount#
Third Party Airtime Recharge*745*Amount*Mobile Number#
Change USSD PIN*745*00#
Bet9ja Top-up*745*222*Bet9jaUserID*Amount#
Pay with USSD (on POS & Web)*745*000*RefCode#
LCC Payment*745*000*522+etagNo+100#
Block Account from any phone*745*11#
Living Faith Church Dedicated Services
Shiloh Sacrifice*745*000*542+AMOUNT#
RCCG Dedicated Services
RCCG Offering*745*000*226+AMOUNT#


You can also use the Heritage Bank USSD code to do other things like:

  • Open an account
  • Check account number
  • Request non-interest loan
  • Change PIN
  • Buy mobile data
  • Change Language

…and so on.

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