How to Register First Bank Transfer Code without ATM Card (2023)


This Article was Reviewed by The Chief Editor, Godfrey

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To register a First Bank transfer code on your mobile phone, dial *894*0# from your call app. The screen will display disguised debit card numbers. Choose your debit card, enter the 4-digit transfer PIN, then the 5-digit First Bank transfer PIN. Confirm the code for instant activation.

Welcome to our detailed guide on how to register First Bank transfer code without ATM card. First Bank has created a quick and safe alternative for making transfers without the requirement for an ATM card as technology continues to transform the financial sector.

Whether you have forgotten your card or prefer a cardless method, this step-by-step instruction will teach you how to register First Bank transfer code without ATM card easily, giving you smooth access to a world of digital banking ease.

Join us as we reveal the easy yet effective method that will enable you to take control of your financial transactions, all at the touch of a button.

First Bank of Nigeria provides a useful tool known as the First Bank Transfer Code.

With the code *894#, you may conduct transactions without the requirement for an ATM card.

This code allows you to bank online, check your account balance, and even send money to other banks without using an ATM card.

First Bank Transfer Code Registration Requirements

You will need the following to register the First Bank Transfer Code without an ATM card:

  1. A First Bank-registered mobile phone number
  2. A First Bank account that is active
  3. A mobile phone (either a tiny phone or a smartphone).
How to Register First Bank Transfer Code without ATM Card

How to Register First Bank Transfer Code without ATM Card

Follow these steps for how to register First Bank transfer code without ATM card:

  1. On your mobile phone, enter *894#.
  2. Then click “1” to continue with the registration.
  3. Enter your First Bank account number next.
  4. Then, if requested, provide your personal information, including your complete name and date of birth.
  5. Make a 5-digit PIN for transaction authorization.
  6. Finally, to finish the registration process, confirm your PIN.
How to Register First Bank Transfer Code without ATM Card

How to Register for Your First Bank Transfer Code

After successfully registering, you must activate the First Bank Transfer Code by completing these steps:

  1. On your registered cellphone number, enter *894#.
  2. Then click “0” to access the Quick Banking option.
  3. Next, select “Activate Code” from the drop-down menu.
  4. Finally, to activate the transfer code, enter your 5-digit PIN. 

How to Keep Your First Bank Transfer Code Safe

How to Register First Bank Transfer Code without ATM Card

While the First Bank Transfer Code is convenient, it is critical to prioritize the security of your financial operations.

Here are some measures to keep your financial information safe:

  1. Keep your transfer code PIN private, and do not reveal it to anybody.
  1. Avoid using apparent PINs like your birthday or consecutive digits.
  1. Be wary of shady tactics and never provide personal or financial information in response to unsolicited or solicited inquiries.
  1. Monitor your account activity on a regular and promptly report any unusual activities to the bank.

How to Contact First Bank Customer Service and Support

How to Register First Bank Transfer Code without ATM Card

Please contact First Bank’s customer service if you have any problems or need assistance with the First Bank Transfer Code registration procedure.

They have a specialized staff to handle your problems and offer advice.

Phone Numbers for First Contact: 0700FIRSTCONTACT (0700-34778-2668228), 01-4485500, 0708-062-5000.

FirstContact’s email address is is the company’s website.

Limit on First Bank Transfer USSD Code

The mobile transfer limit at First Bank is N100,000 Naira. This restriction applies whether you are sending money to another First Bank account or another bank’s account.

However, how you use this restriction is entirely up to you! You can make a single 100,000 Naira transaction to one recipient or distribute the transaction as you like.

Transfers will be successful regardless of how you use the limit as long as you keep below the 100,000 Naira restriction.

Remember that First Bank sets these transfer code restrictions to enhance security and prevent illicit transactions.

It is critical to constantly keep within the stipulated limitations and follow any extra rules offered by the bank.

Advantages of First Bank Mobile Banking

Personally, as a customer of First Bank, I find the First Bank mobile banking very helpful. Aside from the simplicity of the First Bank Transfer Code, mobile banking has several other benefits. These are some examples:

  1. 24/7 Access

With mobile banking, you get round-the-clock access to your account, which allows you to execute transactions anytime you need to, even outside of banking hours.

  1. Savings

 Mobile banking eliminates the need for actual trips to the bank or ATM, saving you time and money on transportation.

  1. Transaction History

You may quickly access and monitor your transaction history, which makes tracking your spending and managing your money easier.

  1. Instant Notifications

Mobile banking delivers real-time alerts and notifications for account activity, keeping you aware of any changes or transactions.

  1. Increased Security

To secure mobile banking transactions, banks use enhanced security methods. These include encryption, two-factor authentication, and biometric verification to ensure the security of your financial information.


How do I activate my First Bank SMS alert?

Log into the First Bank Digital Banking platform and access your account, then navigate to Services > Text Enrollment to activate Text Banking.

How can I activate my bank account without an ATM card?

To open a UPI account without a debit or ATM card, connect your bank account to your favorite UPI app and choose Aadhaar-based verification above debit card verification. Submit and validate your Aadhaar data, and then create a 4- or 6-digit UPI PIN.

How do you activate a First Bank USSD code transfer without an ATM card?

*894*Amount*Account Number# is the First Bank transfer code to another bank account. This code works without needing an ATM debit card and only your 5-digit PIN. 

The following processes are necessary to send money to other banks: *894*Amount*Account Number# is the USSD code.


The First Bank Transfer Code is a simple and safe way to conduct financial transactions without an ATM card.

You may enjoy the benefits of mobile banking and carry out numerous transactions at your fingertips by following the easy procedures indicated in this blog article.

To guarantee a safe and secure banking experience, prioritize protecting your personal information and follow best practices.


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About the Chief Editor

Godfrey Ogbo, the Chief Editor and CEO of AtlanticRide, merges his environmental management expertise with extensive business experience, including in real estate. With a master's degree and a knack for engaging writing, he adeptly covers complex growth and business topics. His analytical approach and business insights enrich the blog, making it a go-to source for readers seeking thoughtful and informed content.

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