Bank Guides

How To Transfer Money With Heritage Bank Transfer Code 2020 – *322#

Heritage bank transfer code allows all the heritage bank account holder’s to carry almost all kinds of bank transactions with their phone, this simply means that you don’t have to visit the bank or ATM machine all the time before you could carry out any transaction.

All the banks in Nigeria has their three digit USSD code in which customer’s use to carry out some transactions without visiting the bank. Heritage bank USSD code can use to check for account enquiry, transfer, airtime top-Up, account number enquiry, BVN enquiry, bill payment and lot more.

This heritage short code can be used in any kind of phone, whether Iphone or old modern nokia phone, all you have to do is to dia the code and get started. NOTE– This code will only work on a sim card that was used to create heritage account, if you dont have heritage bank account then this post is not for you or better visit any heritage bank and create account asap.

Should i shock you? heritage bank transfer code does not require data connection or airtime to work, it’s available 24/7 and it can be used at anytime and anywhere. heritage bank short code allows you to carry out any transaction on the GO.

What Is Heritage Bank USSD Code

Heritage bank short code is a three digit pin that makes it easy for all heritage bank bank account holder’s to carry all kinds of bank transections with their phone. No need of visiting bank or ATM machine all the time.


  • The service is available to Airtel, Etisalat, GLO and MTN subscribers
  • The money is deducted directly from your heritage bank account
  • Daily top-up limit is N20,000 for recharge
  • Maximum funds transfer limit is N20,000 per transaction, with a cumulative transfer limit of N100,000 daily
  • Daily bills payment limit is N20,000
  • Dependent on full network signal from your telecom provider
  • Available 24 hours a day and 7 days a week

How To Activate Heritage Bank Transfer code

You must first of all register the ussd code on the sim card used in creating your account before you can start using it. Below is how to register heritage bank ussd code;

  • Dial *322*030# on the sim card used in creating your heritage account
  • Then select 5 which simply means to Create Pin
  • Enter the last four digits of your heritage bank bank ATM card (the numbers on the top of your card)
  • Enter your desired code (preferably a six digit code)
  • It’s straightforward, isn’t it?

How To Send Money With Heritage Bank Short Code

  • To transfer money to Heritage Bank and other Bank accounts, dial *322*030*ACCOUNTNUMBER*AMOUNT# (e.g *322*030*0123456789*10000#).
  • Select the Bank of the recipient and proceed with your transaction.
    Make sure you Confirm if the full name of the recipient corresponds with what you have in mind.
  • Enter your PIN or the last 4 digits on your ATM MasterCard to confirm your transfer or the mobile transfer pin that you created.

N100, 000 is the daily transfer limit for mobile money transfer. Once your transaction is authorized you will receive a debit alert from heritage bank.

Charge Per Transaction: Heritage bank have mobile banking transfer fee. This money is deducted once you transfer money from your account. They charge ranging from 50 to 60 naira.

Heritage Bank USSD Code For Airtime Top-Up

  • For self top-up dial *322*Amount#
  • To transfer Airtime to any number Dial *322*2*Amount* Phone number#

Heritage Bank Code For Balance Enquiry

Yes, you can check your heritage bank account balance via your mobile phone. Follow the procedures below and you’ll be able to do so in no time.

  1. Dial *322*
  2. Click on balance enquiry
  3. Wait for some minutes to get balance.


In summary, *322# is the heritage bank transfer code and it’s the best and a quick, convenient, secure and easiest way to perform your banking transactions (Transfer Money, Check Balance, Buy Airtime, Pay Bills and many more) anytime and anywhere, using any type of phone without any internet connection.

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