Why is My Heritage Bank USSD Code Not Working?

Why is My Heritage Bank USSD Code Not Working: Heritage Bank offers a convenient way for its customers to access banking services through USSD (Unstructured Supplementary Service Data) codes. 

Why is My Heritage Bank USSD Code Not Working

These codes allow you to perform various banking transactions using your mobile phone. However, there might be times when you encounter issues with your Heritage Bank USSD code not working as expected. 

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In this article, we’ll explore some common reasons for this problem and provide solutions to help you get back to seamless banking. So, stay with me, don’t lose guard, and keep up! 

Heritage Bank USSD Codes

Heritage Bank provides a range of USSD codes that enable customers to perform banking tasks quickly and easily. These codes are designed to offer convenience, especially when you don’t have access to the internet or a banking app. 

The Heritage Bank USSD code is *745#. This code allows you to perform various transactions like checking your account balance, transferring money, buying airtime, and more.

Common Reasons for Heritage Bank USSD Code Issues

If you find that your Heritage Bank USSD code is not working, several factors could be contributing to the problem. Here are some common reasons:

  1. Network Issues: USSD codes rely on a stable network connection. If you’re in an area with poor network coverage or experiencing network outages, this can prevent the USSD code from working correctly. Ensure that you have a strong network signal before attempting to use the code.
  2. Incorrect USSD Code: Mistyping the USSD code can lead to issues. It’s crucial to enter the code accurately, including any required symbols like asterisks or hashtags. Double-check the code you’re dialing to ensure it matches the intended transaction. Remember, Heritage Bank USSD Code is *745# which must be typed exactly like that! 
  3. Account Limitations: Sometimes, your account may have transaction limits in place. If you exceed these limits, your USSD transactions might not go through. Hope you have not recently blocked the USSD code due to one reason or another. Check your account balance and transaction history to see if this could be the issue. You can also quickly dial *745*911# from the phone number linked to your Heritage Bank account, select option 2 to unblock your USSD code, enter your 4-digit USSD code PIN, and confirm the action. It might be that you have blocked your USSD.
  4. Service Downtime: Banks occasionally perform maintenance or experience technical issues that can affect USSD services. If you’re trying to use the code during a maintenance period or when there are known technical problems, you may encounter difficulties.

Check this out: How to Block Heritage Bank Account and ATM Card

What to do When Heritage Bank USSD Code Not Working?

If you’re experiencing problems with your Heritage Bank USSD code, here are some steps you can take to resolve the issue:

  1. Check Network Signal: Ensure that you have a stable network signal before using the USSD code. If you’re in an area with poor reception, consider moving to a location with a stronger signal.
  2. Verify the USSD Code: Double-check that you’re dialing the correct USSD code for the specific transaction you want to perform. The code should be entered precisely as provided by Heritage Bank.
  3. Check Transaction Limits: Review your account transaction limits to see if you’ve reached any restrictions. If necessary, contact Heritage Bank’s customer support to inquire about increasing your transaction limits.
  4. Contact Customer Support: If none of the above steps resolve your issue, it’s advisable to contact Heritage Bank’s customer support for assistance. They can provide guidance, check the status of your account, and help troubleshoot any technical problems.

Always Stay Informed

To stay informed about any ongoing issues or updates related to Heritage Bank’s USSD services, consider the following:

  1. Official Communication: Check Heritage Bank’s official website, social media channels, or mobile app for announcements regarding USSD services, maintenance, or technical issues.
  2. Customer Support: Save Heritage Bank’s customer support contact information for quick access if you encounter problems. They can provide real-time assistance.

Heritage Bank Customer Support Phone Number & Email Address 

To contact Heritage Bank customer support:

Frequently Asked Questions

How do I activate my USSD code for Heritage Bank?

Follow the steps below to activate the Heritage Bank USSD code on your phone in Nigeria:

  1. Dial *745*account number*Last six(6) of your card#.
  2. Reply with one(1) on the next screen to continue the activation.

What is the new Heritage Bank USSD code?

Heritage Bank USSD code is *745#. This code allows Heritage Bank customers to perform various banking transactions using their mobile phones. The USSD code provides a convenient and secure way to access banking services on the go, without the need for an internet connection or a smartphone.

How to activate USSD code for Heritage Bank without ATM card?

  1. If you do not have an ATM Card, dial 745Account number# and follow the prompts.
  2. If you have an ATM Card, dial *745*Account Number*Last 6 digits of card#
  3. Press ‘1’ to proceed.
  4. Select your ATM Card type.
  5. Enter your card expiry date.
  6. Choose the account.
  7. Select your 4-digit PIN and re-confirm.
  8. Submit.

What does invalid USSD code mean?

This means that the customer dialed an incorrect USSD code while trying to complete a USSD payment. There could be a digit or two missing from the one generated on the checkout form to make payment.

TechSpike’s Conclusion

Heritage Bank’s USSD codes offer a convenient way to access Banking services on the go. However, issues can arise due to factors like network problems, incorrect code entry, account limitations, or service downtime. 

By following the steps mentioned above and staying informed through official channels, you can resolve USSD code issues and continue to enjoy the convenience of mobile banking with Heritage Bank. 

Remember that Heritage Bank’s customer support is there to assist you with any problems you may encounter.


If you have any questions regarding this post simply leave us a comment in the comment box below and we will get back to you as soon as possible! 

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