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USSD Banking

(USSD) UNSTRUCTURED SUPPLEMENTARY SERVICE DATA - This is a convenient, secure, fast and reliable way to access your account. Your account is accessible on the go with any type of phone.


  • Instant Transactions
  • Fast and Easy to Use
  • Available on Any Phone
  • Available 24/7
  • Available with Any Mobile Network (Glo, MTN, Airtel, 9mobile)

Enjoy The Mobile Banking Experience!

Funtion Transaction Code
Check balance *347*38*1#
Airtime to self *347*38*Amount#
Airtime to others *347*38*Phone*Amount#
Fund transfer to other bank *347*38*Account number*Amount#
Change Default Acct Number *347*38*New Account Number#
Change Pin *347*38*6*Old Pin*New Pin#

Click below for information on:

Debit Card
Instant Fund Transfer
Mobile Banking

Instant Fund Transfer


1. How do I open a Savings Account?
Ans: To open a Savings account, you need to fill out the account opening form, bring 2 recent passport-size photographs, utility bill and a valid means of identification along to EMFBank.

2. Who can operate a Saving Account?
Ans: Anybody above 18 years of age can operate the account.

3. Where can I open Savings Account?
Ans: You can open Savings Account atEMFBank office. Our Client Support Officers (CSO) will be glad to open one for you.

4. Do I need a guarantor to open a Savings Account?
Ans: No