USSD loan codes in Ghana – What you should know


USSD loan codes in Ghana shorten many processes of loan applications at financial institutions. These USSD loan codes help you access various banking services with your mobile phone. Therefore, they wouldn’t need your presence in their office to offer you financial services. Because of this, rigorous processes to get quick cash flow are now things of the past. With USSD loan codes, you wouldn’t need to visit loan companies’ offices to make enquiries and apply for loans anymore. 

Information on what USSD codes are all about, how you can access the codes and so on are all-inclusive in this article.

What is USSD code?

USSD means Unstructured Supplementary Service Data.

USSD is a code for free mobile banking service. It enables you to access basic banking services on your mobile phone, smartphones, and tablets. They do this without consuming data or call credit from your telecommunication network provider. Also, with USSD codes, you can easily get every information you require about a loan on the loan platform. It provides easy access for customers in transacting on their bank accounts without stress and inconveniences.

We can use it for mobile-wallet, callback services, loans, network configuration services and so on.

What is USSD Banking?

USSD banking involves financial transactions through the use of quick or short codes on your mobile phones. Apart from paying bills and making subscriptions with USSD codes. You can also use USSD codes to get loans.

How to use USSD loan codes in applying for loans

Knowing that USSD codes help to make loan applications easier. You can simply follow the steps below for quick and easy loan application at the comfort of your home or office:

  1. Have a Knowledge of your loan provider
  2. Get the functional USSD code
  3. Meet all minimum requirements for that loan
  4. Dial the code on your registered network with your mobile phone
  5. Follow the prompt
  6. Get your loan

USSD loan codes in Ghana

There are many USSD codes for financial institutions in Ghana. You can check out the list to apply for a loan through USSD. You just need to dial the code into your phone and follow the prompts that pop up. USSD Codes for loans in Ghana Include: 

PlatformUSSD Code for Loans
AB Microfinance Bank*389*755#
Access Bank Payday Loan*901*11#
Accion Microfinance Bank*572*6#
Airtel quick, Cash*561#
ALAT Loan by Wema Bank*945*100#
Aladdin Nano*903#
Carbon Loan*1303#
Ecobank Xpress*326#
Fairmoney Loan*322*2#
First Bank First Advance*894# or *894*11#
Glo Cash*322*1*04225701*Amount#
GTBank Soft Loan*737*51*51#
HFC Loan*618#
Izwe Loan*483*69#
Migo loan*561#
Mjara loan*565*5#
MTN Cash*606*4#
Trader Moni*540#
Paga *242#
Payattitude *569#
Quickteller Loan (MTN, Etisalat & Airtel)*322#
Quickteller for Glo users*805#
Teacher’s Mutual Fund loan*718*60#
Zenith Bank Loan*966#
ECO Bank*326#
Stanbic Bank Ghana*715#


  1. You can have full access to financial information and carry out transactions on the go; anywhere and anytime.
  2. No need for a computer, internet, bank branch or cellular data to carry out your transactions.
  3. Mobile top-up credit is always available for buying a scratch card.
  4. It is always reliable and convenient

Requirements for USSD loan codes in Ghana

For you to use the USSD loans codes, there are requirements you will meet. The requirements for USSD loans codes are nothing to worry about. You need to have an account with some banks to access the loans they offer via USSD codes. They do not require collateral before you can access the loan.

Some other savings and loans companies do not require an account. Rather, they ask for your personal details, Bank Verification Number (BVN), account details. Some banks may require:

1. Online Registration

When you register for online banking, you sign up for USSD Mobile Banking. You will receive your PIN for logging in after they have granted you full access to online banking. Upon receiving the PIN through SMS, log in to USSD Mobile Banking by dialing USSD code on your mobile phone.

2. Paper Registration

Go to any branch and request to sign up for online banking and mobile banking. Complete the E-banking application form. You will receive your PIN for logging in after they have signed you up by Bank Customer service. Upon receiving the PIN through SMS on your mobile phone, log in to USSD Mobile Banking with your PIN by dialing the USSD Codes on your mobile phone. They will ask you to change your PIN to one you are most convenient with.

Uses of USSD loan codes

Having known the requirements and how to apply for loans with USSD codes. It is also good to note the uses. You can use it for: 

  1. Balance Enquiry
  2. Mini Statement
  3. Self-Funds Transfer
  4. Beneficiary Payment
  5. Mobile Top-Up.
  6. Instant Cash

Benefits of USSD loan codes

There are a lot of benefits that come with the USSD codes for loans. You really need to know what you stand to gain, which includes:

  1. There is no need for data
  2. It is more secure
  3. You have control over it
  4. It works on any mobile device


Getting loans with USSD codes is very easy and quick. All you need to do is meet the requirements for the loan you seek from the loan provider. Dial the correct USSD code, then you can have your money right in your account. Ultimately, the right use of these USSD codes will ensure you do not fall prey to loan sharks. However, repayment of the loans you get is essential. This is because it will improve your credit score, so that you can access another loan in the future.

Categories: Reviews