Heritage Bank Code (*745#): All You Need to know

Are you in search of Heritage bank code or do you want a complete guide on how to make use of it?

Bother no more!

In this comprehensive guide, we shall explain to you everything you need to know about Heritage bank code, how to open account, transfer money, buy Airtime, check BVN, pay bills and check account balance and much more.

We shall also explain the frequently asked questions and all the features you can do with this unique code which can be done at the comfort of your home.

So keep reading!


This will serve as a guide that will give you access to all the services offered by heritage bank code without going through the hassle of visiting any branch location or calling any customer service representative in Nigeria.

Heritage bank is one of the most recognised and stable financial corporation that offers premium and easy financial services to corporate, commercial and retail customers.

See also  How to Check Unity Bank Account Balance: The Easy Way

Heritage Bank Nigeria PLC was established by Senator and Dr. Olusola Saraki and founded in 1970 but wasn’t accepted as an approved financial service provider.

In 2012, Ifie Sekibo took over as the current CEO and Managing Director of Heritage Bank which then it became a Nationally recognised Bank.

In more years to come it we move from national to international levels where it we establish some branches in top foreign countries.

It has over 127branches and counting with a staff strength of 4000 which makes it a good option for Nigerians who is looking for a good financial corporation.

It is regulated by the Nigerian banking regulator, the Central Bank.

What is a USSD code?

An Unstructured Supplementary Service Data (USSD) code is a quick and easy way to access banking services on your mobile phone.

To use the Heritage Bank Code, simply dial *745# on your phone and follow the procedures.

Plus, it’s available 24/7 so you can bank when it’s convenient for you.

Functions of Heritage Bank USSD code

Listed below is the function or uses of Heritage bank code for all banking transaction

  1. Buying of Airtime
  2. Opening of Account
  3. Transfer of money
  4. Paying of PHCN and DStv bills
  5. Blocking of ATM card
  6. Buying of Airtime and data bundles
  7. Change PIN
  8. Request for loan
  9. Checking of Account Balance and more

You can perform all these services Listed above just with the use of a mobile phone and your phone number irrespective of your network whether MTN, Glo, Smile, 9Mobile or Airtel.


To register for or activate heritage bank code you need to either use a DEBIT CARD or ACCOUNT NUMBER in combination with a mobile which was used while opening your account.

See also  Polaris Bank Code: How to Register & Activate (*833#)


  1. Dial *745*Account Number*Last 6 digit of Debit card#
  2. Select 1 to accept terms and conditions
  3. Enter your type of card i.e Visa, Verve or MasterCard etc
  4. Input your debit card expiry date
  5. Select your account to be used for transaction
  6. Confirm your account
  7. Create a 4 digit PIN you can remember
  8. Confirm the PIN
  9. Finally submit to activate the heritage bank code.


  1. Dial *745*Account Number#
  2. Choose Heritage Bank Paddie
  3. Click “0” to select new user
  4. Click on 2 to enrol
  5. Click on 1 to agree to terms and conditions
  6. Input your Heritage Bank account number
  7. Input your last 6 digit of your Heritage Bank debit card
  8. Enter your type of card i.e Visa, Verve or MasterCard etc
  9. Create a 4 digit PIN you can remember
  10. Confirm the PIN
  11. Finally submit to activate the heritage bank code.


If you want to transfer money using Heritage bank code, you need to know that their are two types of transfer which include:

  1. Intra-bank transfer (send money to another Heritage bank account)
  2. Inter-bank transfer (send money to other bank account)


  1. Dial *745*1*amount*account number#.
  2. Make sure you use the number registered with Heritage bank
  3. Enter your PIN
  4. Complete your transaction


  1. Dial *745*2*Account number#
  2. Input your PIN
  3. Make sure you use the number registered with Heritage bank
  4. Complete your transaction.

With the above step by step procedures you can transfer money on Heritage bank using Heritage bank code for transfer.


To check the account balance on any Heritage bank account follow the procedures below:

  1. Dial *745*0#
  2. Click on 1 to accept
  3. Complete the remaining transaction showed in the onscreen
  4. A token of 10 naira we be deducted from your account
See also  Does Alamo accept Chime credit cards? - Find Out!



  1. Dial *745*Amount#
  2. Choose your network provider i.e Etisalat, Glo, MTN or Airtel
  3. Input your 4 digit PIN
  4. You we recieve an SMS that you have successfully bought an Airtime of the amount you selected


  1. *745*amount*mobile number#
  2. Select Network provider ie MTN, Airtel, etc
  3. Next, you Enter your 4 digit Pin.
  4. Dial *745*Amount*phone number#
  5. Select the receivers network provider i.e Etisalat, Glo, Airtel or MTN
  6. Input your 4 digit PIN
  7. You will recieve an SMS that you have successfully bought an Airtime of the amount you selected for your recipient


  1. Dial *745*00#
  2. Input your old PIN
  3. Create a new PIN you can remember
  4. Confirm the new PIN
  5. You’ve successfully created a new PIN

Always know that it requires a service charge.

Summary of Heritage Bank Codes…

Transaction Codes
Checking account balance *745*0#
Funds Transfer (Intra) *745*1*Amount*Account Number#
Funds Transfer (InterBank) *745*2*Amount*Account Number#
Airtime Recharge (Self) *745*Amount#
Airtime Recharge (Others) *745*Amount*Mobile Number#
Change of PIN *745*00#
Bet9ja Top-up *745*222*Bet9jaUserID*Amount#
USSD payment with POS & Web *745*000*RefCode#
LCC Payment *745*000*522+etagNo+100#
Blocking of Account *745*11#

FAQs about Heritage Bank Transfer Codes

Why do banks offer this service?

The whole summary of this USSD code is to make banking experience easy for all customers at your comfort and convenience.

With just a single unique code (*745#) you’re done with your banking request.

Can I use other service providers with this service?


you can use other service providers in the same mobile number used while registering your account.

This is one good aspect of USSD banking many customers do enjoy.

How do I subscribe for mobile banking codes?

To register or active the mobile banking codes read the tips above.

I forgot my PIN. Is there anything I can do?


You can create a new PIN if your PIN if you’ve forgotten it or a third party is aware of it.

To create a new PIN dial *745*00# and follow the prompts.

Are there fees associated with using this service?

Some services rendered by heritage bank are free why some require a little service fee of at least 10 naira.

For instance, checking of Account balance requires a service fee while buying of airtime is free.

Are there any risks involved in using this service?

There is no risk in using the heritage bank USSD code. It is one of the best, most secured and easy-going banking method available for all heritage users.

Codes are not working. How can I resolve this issue?

If you encounter any problem while making any transaction it may be a result of using the wrong USSD code or network issues.

This is all we have for Heritage bank code for all online transactions.

You May Also Like

Leave a Reply

Your email address will not be published. Required fields are marked *