USSD Banking- List of USSD Bank Code, USSD Meaning, etc.

USSD Banking is a banking method where you would use your mobile phone to reach out to the bank and avail of the service.

This banking method does not use the mobile app to deliver the banking services but uses the mobile phone services towers to connect to the bank servers.

USSD Banks are provided to ensure the banking inclusion is available to all. So, anyone with a feature phone can also use this service.

In this article, we will discuss how you can use the USSD Banking, List of USSD Bank codes, what is the meaning of USSD, etc.

USSD Meaning

USSD stands for Unstructured Supplementary Service Data which is an additional service that all mobile carrier provides to customers.

USSD uses your phone’s GSM network to send in a query which is processed and set to the bank’s server. The Bank server replies over the GSM Network and you’ll receive your desired service.

The following is the service which is offered by the banks via USSD Codes-

• Account balance
• Mini statement
• Send money using MMID
• Send money using Bank IFSC Code
• Send money using your Aadhaar Number
• Show MMID
• Change M-PIN
• Generate OTP

List of Bank providing USSD Banking services via USSD Bank Code

The following is the list of banks providing USSD Banking services via USSD Bank Code-

S. No.	Bank Name	First 4 Letters of IFSC	Bank Short Code	Multimodal Codes
1	Abhyudaya Co-op Bank	ABHY	ACB	*99*87#
2	Andhra Bank	ANDB	ANB	*99*59#
3	Apna Sahakari Bank	ASBL	APN	*99*85#
4	Axis Bank	UTIB	AXB	*99*45#
5	Bank of Baroda	BARB	BOB	*99*48#
6	Bank of India	BKID	BOI	*99*47#
7	Bank of Maharashtra	MAHB	BOM	*99*61#
8	Bhartiya Mahila Bank	BMBL	BMB	*99*86#
9	Canara Bank	CNRB	CNB	*99*46#
10	Central Bank of India	CBIN	CBI	*99*51#
11	Corporation Bank	CORP	CRB	*99*57#
12	DCB Bank	DCBL	DCB	*99*65#
13	Dena Bank	BKDN	DNB	*99*78#
14	Federal Bank	FDRL	FBL	*99*72#
15	Gujarat State Co-op Bank	GSCB	GSC	*99*90#
16	Hasti Co-op Bank	HCBL	HCB	*99*89#
17	HDFC Bank	HDFC	HDF	*99*43#
18	ICICI Bank	ICICI	ICI	*99*44#
19	IDBI Bank	IBKL	IDB	*99*49#
20	Indian Bank	IDIB	INB	*99*58#
21	Indian Overseas Bank	IOBA	IOB	*99*52#
22	IndusInd Bank	INDB	IIB	*99*69#
23	Janata Sahakari Bank	JSBP	JSB	*99*81#
24	Karnataka Bank	KARB	KTB	*99*76#
25	Karur Vysya Bank	KVBL	KVB	*99*75#
26	Kotak Mahindra Bank	KKBK	KMB	*99*68#
27	Mehsana Urban Co-op Bank	MSNU	MUC	*99*82#
28	Nainital Bank	NTBL	NTB	*99*80#
29	NKGSB Co-op Bank	NKGS	NGB	*99*83#
30	Oriental Bank of Commerce	ORBC	OBC	*99*53#
31	Punjab & Sind Bank	PSIB	PSB	*99*71#
32	Punjab National Bank	PUNB	PNB	*99*42#
33	Punjab and Maharashtra Co-op Bank	PMCB	PMC	*99*88#
34	RBL Bank	RATN	RBL	*99*79#
35	Saraswat Bank	SRCB	SRC	*99*84#

How to use USSD Banking?

The following are the steps that you can follow to use the USSD Banking-

• You can use USSD Banking by dialing in the USSD Banking code on your mobile phone and calling the number
• Instead of a calling screen, you’ll find a dialogue box opening up, in the dialogue box, you’ll find various options denoted by various numbers
• You’ll have to press any of the numbers followed by send button to use that service
• You can use the following service for mobile banking-
  • Account balance
  • Mini statement
  • Send money using MMID
  • Send money using Bank IFSC Code
  • Send money using your Aadhaar Number
  • Show MMID
  • Change M-PIN

Language Codes for USSD Transfer

The following are the language codes for using the USSD codes-

Language	USSD Code
English	*99#
Hindi	*99*22#
Marathi	*99*28#
Bengali	*99*27#
Gujarati	*99*27#
Punjabi	*99*30#
Tamil	*99*23#
Assamese	*99*31#
Oriya	*99*32#
Telugu	*99*24#
Malayalam	*99*25#
Kannada	*99*26#

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