Globus Bank has established itself as one of Nigeria’s truly digital commercial banks, and its USSD service plays a central role in making banking accessible to everyone. By dialling the simple code *989# from the phone number linked to your account, customers can transfer money, buy airtime, check balances, pay bills, and manage other banking needs without requiring internet access or a smartphone. This detailed guide explains everything you need to know about the Globus Bank USSD code in a clear and practical way.

What is Globus Bank USSD Banking?

USSD (Unstructured Supplementary Service Data) is a technology that allows mobile phones to communicate directly with a bank’s system through short codes. Unlike mobile applications or internet banking platforms, USSD does not depend on mobile data or Wi-Fi. When you dial *989#, a text-based menu appears on your screen, and you respond by selecting numbered options.

Globus Bank launched its USSD platform to serve customers who may not always have reliable internet connectivity or who prefer the simplicity of feature phones. The service works across all major Nigerian mobile networks — MTN, Airtel, Glo, and 9mobile — provided the SIM card is the one registered to the account. Transactions are processed in real time, and confirmation messages are usually sent via SMS.

As a digitally focused bank, Globus emphasises convenience, speed, and accessibility. The *989# code supports these goals by giving customers a reliable offline channel for everyday financial activities.

The Official Globus Bank USSD Code

The official and primary Globus Bank USSD code is *989#. Dialling this code opens the main menu from which most services can be accessed. Some functions also have direct shortcut formats that allow faster transactions once you become familiar with the system.

How to Activate Globus Bank USSD Banking

Activation is usually straightforward and can be completed in a few minutes. Follow these steps:

1. Insert the SIM card that is registered to your Globus Bank account.
2. Dial *989# on your phone.
3. Select the option to register or enrol for USSD banking if prompted.
4. Provide the required account details or the last digits of your debit card when asked.
5. Create a secure 4-digit USSD PIN. This PIN is separate from your ATM PIN.
6. Confirm the PIN to complete the registration process.

Once registration is successful, you will receive a confirmation message. You can then begin using the service immediately. If you face any difficulty during activation, contact Globus Bank customer care or visit a branch for assistance.

Complete List of Globus Bank USSD Codes

Below is a practical reference table of the most commonly used Globus Bank USSD codes:

Because menu structures can be updated by the bank, the safest approach is often to dial the main code *989# and follow the current on-screen options.

How to Transfer Money Using Globus Bank USSD

Money transfer is one of the most frequently used features of the Globus Bank USSD service.

Transfer to Another Globus Bank Account

1. Dial *989*1*Amount*AccountNumber# (for example: *989*1*10000*1234567890#).
2. Confirm the recipient’s name when it appears.
3. Enter your 4-digit USSD PIN.
4. Wait for the success confirmation and SMS notification.

Transfer to Other Banks

1. Dial *989*2*Amount*AccountNumber#.
2. Select the recipient’s bank from the list provided.
3. Confirm the account details.
4. Authorise the transaction with your USSD PIN.

Transfers are generally processed instantly. Always verify the account number carefully before confirming, as USSD transactions cannot be easily reversed once completed.

Buying Airtime with Globus Bank USSD

Airtime for Yourself

Dial *989*Amount#. For example, to purchase ₦500 airtime for your registered line, dial *989*500#. Enter your PIN when requested. The airtime is usually credited within seconds.

Airtime for Someone Else

Use the format *989*Amount*PhoneNumber#. Example: *989*1000*08123456789#. This feature is useful for supporting family members or friends.

You can also access airtime options by dialling the main menu *989# and selecting the relevant choice.

Checking Your Account Balance

To view your current balance, dial *989# and select the balance inquiry option from the menu. Enter your USSD PIN when prompted. The system will display your available balance on the screen. Some users also receive an SMS confirmation of the balance for record purposes.

Paying Bills and Other Services

Globus Bank allows customers to settle various bills through the USSD platform. Dial *989# and navigate to the bills or payment section. You can typically pay for electricity, cable television subscriptions, and other utility services by entering the relevant meter or smartcard number and confirming with your PIN.

Additional services that may be available through the menu include PIN management, card blocking, and account-related enquiries. Availability of specific options can depend on your account type and any updates made by the bank.

Security Features and Best Practices

Protecting your account is essential when using USSD banking. Globus Bank requires a 4-digit PIN for most transactions. Never share this PIN with anyone. The bank will never ask for your PIN through phone calls, SMS, or email.

Recommended security practices include:

• Using only the phone number registered to your account.
• Avoiding transactions on public or shared phones.
• Immediately blocking your card or reporting the issue if your phone is lost or stolen.
• Regularly reviewing your account activity.
• Changing your USSD PIN periodically through the available menu options.

If you notice any suspicious activity, contact Globus Bank customer care without delay.

Common Issues and Troubleshooting

If the USSD code is not responding as expected, consider these common solutions:

• Confirm that you are using the correct registered phone number.
• Ensure you have a small amount of airtime available for the network’s USSD session charge.
• Check your network signal and try again in an area with better coverage.
• Restart your phone and redial *989#.
• If registration was incomplete, dial the code again and finish the enrolment process.

For ongoing difficulties, reach out to Globus Bank through official customer care channels or visit a branch.

Frequently Asked Questions

What is the Globus Bank USSD code?
The official Globus Bank USSD code is *989#.

Do I need internet to use it?
No. The service works completely offline.

Can I use it on any network?
Yes, provided the SIM is linked to your Globus Bank account.

How do I reset my USSD PIN?
Dial *989# and follow the PIN reset or change option in the menu.

Is the service available 24/7?
Yes. The USSD platform operates round the clock.

Conclusion

The Globus Bank USSD code *989# offers a practical and reliable way for customers to manage their finances without depending on internet connectivity. Whether you need to send money, buy airtime, check your balance, or pay bills, the service provides a fast and accessible solution that works on any type of phone.

By activating the service correctly, learning the key codes, and following basic security guidelines, you can enjoy seamless offline banking with Globus Bank. Keep the important codes saved, protect your PIN at all times, and make full use of this convenient digital channel. As Globus Bank continues to expand its digital offerings, the *989# platform remains a valuable tool for everyday financial needs across Nigeria.