Home/*945# : Features and Benefits
*945# : Features and Benefits 2018-04-25T09:54:54+00:00

With our safe and secure USSD banking platform, you can carry out daily banking transactions with ease from the comfort of your mobile devices by simply dialing *945#. It works with any type of phone and supports all mobile networks.

With *945#, you can perform the following transactions:

• Open an Account
• Generate a PIN
• Balance Enquiry
• Change PIN
• Funds Transfer
• Airtime & Data Top-up
• Cash on the Go (Cardless Withdrawal)
• DSTV Subscription
• GOTV Subscription
• Startimes Subscription
• Bill Payment (Electricity Bills)
• Bill Payment (Smile Network Subscription)
• Bill Payment (Swift Network Subscription)
• MCash (Merchant Payment)
• Bill Payment (LCC Toll)
• Receive Western Union Payment

Open an Account

How to open an Account
Simply dial *945*1# and follow the onscreen prompts. A ten-digit account number (NUBAN) account number will be created automatically and sent to you via SMS once you complete the registration process. Account opening forms are NOT required for the signup process. You can link your BVN immediately by dialing *945*BVN#. All you require is your name and Date of birth

Benefits
• Open an account without completing any form.
• No data needed to open an account.

Features
• Maximum deposit per transaction is N50,000
• Maximum account balance is N300,000
• Deposit and withdraw money at Wema Bank branch.
• Account can be upgraded to standard account without restrictions.

Generate *945# PIN
For newly opened account, simply dial *945*100# and follow the prompt (Account number, Date of birth (format ddmmyyyy), new PIN and confirm PIN).

For existing account, simply dial *945*50# and follow the prompt (Account number, Date of birth (format ddmmyyyy), new PIN and confirm PIN).

Balance Enquiry
To check your account balance on any of your accounts by simply dialing *945*0# on your mobile phone and following the on-screen prompts.

Benefits
• Fast, convenient and simple
• No need to enter a banking hall or fill any forms
• Check your account balances anywhere…
• All account numbers and balances would be displayed

Features
• Online real-time display of balances on all your accounts.

Change PIN
You can change your *945# PIN anytime by simply dialling *945*00# and following the prompt.

Funds Transfer

How To Transfer Funds
Dial *945*BeneficiaryAccountNumber*Amount# (e.g. *945*0123456789*10000#) from the phone number you registered with Wema Bank, then follow the on-screen prompts.

Benefits
• Convenient way to send money
• Transfer funds without visiting a bank branch
• Send money even without data.
• *945# transfer is available 24/7
• With *945#, you can transfer to other Nigerian banks.

Features
• Default limit is N20,000. Daily limit can be increased to N500,000 via WemaMobile, WemaOnline or visit the branch.
• Works only on phone numbers registered with Wema Bank
• Transferred funds are deducted directly from your Wema Bank account
• Transaction doesn’t require your debit card details, only your created PIN.

Airtime & Data Top-up

For Self Top-up Airtime
Simply dial *945*Amount# on your phone (e.g. *945*1000#) to buy airtime.

To Top-up Airtime for others
To send airtime to a friend, loved one or third party, simply dial *945*Recipient’s number*Amount# (e.g. *945*08023456789*1000#) to topup N1000 for a friend on 08023456789

DATA TOP UP
Self and Third Party Data Topup

Self
Simply dial *945*2# on your phone and follow the on-screen prompt.

Third Party
Simply dial *945*2*BeneficiaryPhoneNumber# on your phone and follow the on-screen prompt.

Benefits
• It’s quick and simple to use
• Airtime can be bought 24/7
• Airtime/Data is loaded automatically as soon as the process is completed

Features
• The phone number used to make purchases MUST be the number registered with Wema Bank.
• This service is available to Glo, MTN, Airtel and Etisalat subscribers
• Funds are deducted directly from your Wema Bank account
• Daily recharge limit is N10,000

Cash on the Go (Cardless Withdrawal)

Withdraw cash at any Bank ATM without using your debit card.
Simply dial *945*8*Amount# (e.g. *945*8*20000#) from the phone number you registered with the Bank. You will be requested to enter a cashout PIN (note: Cashout PIN MUST be different from your 945PIN). Once pin has been entered and confirmed, type in the amount not greater than N20,000 per withdrawal. A reference code (Cashout code) is sent via SMS which will be inputed into the ATM for cash withdrawal.

DSTV Subscription
You can now subscribe for DSTV on *945#
Simply dial *945*16*SmartcardNumber# (e.g. *945*16*0123456789#)

Benefits
• It’s quick and simple to use
• DSTV account will be credited immediately and your connection is restored

Features
• Transactions can only be done from the phone number registered with Wema Bank.
• The SmartCard is credited instantly
• The money is deducted directly from your Wema Bank account

GOTV Subscription
You can now subscribe for GOTV on *945#
Simply dial *945*17*SmartcardNumber# (e.g. *945*17*0123456789#)

Benefits
• It’s quick and simple to use
• GOTV account will be credited immediately and your connection is restored

Features
• The SmartCard is credited instantly.
• Transactions can only be done from the phone number registered with Wema Bank.
• The money is deducted directly from your Wema Bank account

Startimes Subscription
You can now subscribe for GOTV on *945#
Simply dial *945*18*SmartcardNumber*Amount# (e.g. *945*18*0123456789*6000#)

Benefits
• It is quick and simple to use.
• Startimes account will be credited immediately and your connection is restored

Features
• The SmartCard is credited instantly
• Transactions can only be done from the phone number registered with Wema Bank.
• The money is deducted directly from your Wema Bank account

Bills Payment (Electricity Bills)
Pay your electricity bills with ease.

How to Pay for your Electricity Bills
• You can now pay your electricity bills anywhere and anytime by simply dialing *945*19*MeterNumber*Amount#. E.g. *945*19*0123456789*10000#. This is paying N10,000 for PHCN to meter number 0123456789. You can pay for both Prepaid and Postpaid Meters. The discos are PHEDC, IKEDC, EKEDC, BEDC, EEDC, KEDCO, KANO, JEDC, IBEDC, etc.

Benefits
• It is quick, simple and convenient to use
• No data is required to perform the transaction.
• It works on every phone type – No smart phone needed.
• Payment can be made from the comfort of your home.
• Receipt issued via SMS and email.

Features
• The money is deducted directly from your Wema Bank account
• Transactions can only be done from the phone number registered with Wema Bank.
• Meter Number to be recharged/topped up is required.
• Value is given to Meter Number inputted in the course of transaction.
• No data required

Bills Payment (Smile Network Subscription)
Pay your Smile network subscriptions with ease.

How to Pay for your Subscription
You can easily pay your subscriptions anywhere by dialing *945*20*IDNumber#.

Benefits
• It is quick and simple to use
• Merchant account will be credited immediately

Features
• Transactions can only be done from the phone number registered with Wema Bank
• The money is deducted directly from your Wema Bank account.

Bills Payment (Swift Network Subscription)
Pay your Swift network subscriptions with ease.

How to Pay for your Subscription
You can easily pay your subscriptions from anywhere you are by simply dialing e.g. *945*21*IDNumber*Amount#.

Benefits
• It is quick and simple to use
• Merchant account will be credited immediately

Features
• Transactions can only be done from the phone number registered with Wema Bank.
• The money is deducted directly from your Wema Bank account.

mCash (Merchant Payment)
Pay for items purchased at any Merchant Store without using your debit card on the mCash platform.
Simply dial *945*22*Merchantcode*Amount# or the universal code *402*Merchantcode*Amount#.

Benefits
• It is quick and simple to use No data is required to perform the transaction.
• It works on every phone type – No smart phone needed.
• Merchant account will be credited immediately

Features
• Transactions can only be done from the phone number to be registered with Wema Bank
• The money is deducted directly from your Wema Bank account and merchant is credited instantly.

LCC Tollgate
You can now top up your LCC Tollgate account with ease using *945#.

How to Pay for your LCC Toll
• Simply dial *945*23*LCCNumber*Amount#
• Receive instant value

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