Jaiz Bank USSD Codes (*389*301#), Bank Code 301 & Islamic Banking Guide
All Jaiz Bank USSD codes (*389*301#), CBN code 301, SWIFT JAIZNGLA, Shariah-compliant banking guide and FAQs — updated August 2026.
Jaiz Bank Plc Bank Codes & Identification
Every Nigerian bank has unique identification codes assigned by the CBN and international banking bodies. These route local NIP transfers, international SWIFT wires, and cheque clearing. Below are the verified codes for Jaiz Bank Plc.
Jaiz Bank Plc (CBN code 301) is Nigeria's first and largest non-interest (Islamic) commercial bank, licensed under the CBN's Non-Interest Banking framework. It operates strictly on Shariah principles — no interest (riba) is charged or paid. Products are structured as Murabaha, Musharakah, Ijara, and Mudharabah contracts. Jaiz is publicly listed on the Nigerian Exchange (NGX).
Jaiz Bank Plc USSD Codes — Full List (2026)
USSD codes let you bank from your phone dialler — no internet required. All codes below work on MTN, Glo, Airtel, and 9mobile.
| Transaction | Code to Dial | Network |
|---|---|---|
| Open Jaiz Bank USSD menu | *389*301# | All networks |
| Transfer to any bank | *389*301*1# | All networks |
| Check account balance | *389*301*0# | All networks |
| Buy airtime | *389*301*Amount# | All networks |
| Pay bills | *389*301*3# | All networks |
| Open Jaiz account | *389*301*00# | All networks |
| Block account | *389*301*911# | All networks |
How to Transfer Money via Jaiz Bank *389*301# USSD
Transfer from Jaiz Bank to any Nigerian bank (including conventional banks) without internet:
Dial *389*301# from your Jaiz Bank-registered number.
Select "Transfers".
Choose "Transfer to Jaiz" or "Transfer to Other Banks".
Enter the amount.
Enter the recipient's 10-digit NUBAN account number.
Select the destination bank.
Confirm the account name.
Enter your Jaiz Bank USSD PIN.
Receive SMS confirmation.
Transfer Limits & Charges
| Transaction Type | Daily Limit | Fee |
|---|---|---|
| USSD per transaction | ₦100,000 | ₦10–₦50 |
| USSD daily limit | ₦1,000,000 | NIP standard |
| Jaiz to Jaiz | Instant | Free |
| Jaiz to other banks (NIP) | Instant | ₦10 (<₦5k) / ₦25 (≥₦5k) |
Jaiz Bank Plc Branch Sort Codes
Branch sort codes are 9 digits: first 3 identify the bank (301), the next 6 identify the branch. Key branches for Jaiz Bank Plc are listed below.
| Branch | State | Sort Code |
|---|---|---|
| Abuja Head Office | FCT | 301150001 |
| Kano Branch | Kano | 301150003 |
| Lagos Branch | Lagos | 301150005 |
| Kaduna Branch | Kaduna | 301150007 |
| Sokoto Branch | Sokoto | 301150009 |
| Maiduguri Branch | Borno | 301150011 |
Frequently Asked Questions — Jaiz Bank Plc
What is Jaiz Bank's USSD code?
Jaiz Bank's USSD code is *389*301#. The 301 is Jaiz Bank's CBN code. Dial from any Nigerian network without internet for transfers, balance checks, and bill payments.
What is Jaiz Bank's CBN bank code?
Jaiz Bank's CBN interbank code is 301. Select it when sending to a Jaiz Bank account from any other Nigerian bank.
What is Islamic banking / non-interest banking?
Islamic banking prohibits charging or receiving riba (interest). Instead of loans, banks like Jaiz use Murabaha (cost-plus-profit sale), Musharakah (profit-sharing), Ijara (leasing), and Mudharabah (investment partnership). Profits are shared, not interest charged.
Can I transfer money between Jaiz Bank and a conventional bank?
Yes. Jaiz Bank sends and receives NIP transfers to all Nigerian banks — conventional or non-interest — via NIBSS NIP. The Islamic framework governs Jaiz's internal products, not the payment rails.
What is Jaiz Bank's SWIFT code?
Jaiz Bank's SWIFT/BIC code is JAIZNGLA.
Is Jaiz Bank listed on the stock exchange?
Yes. Jaiz Bank Plc is listed on the Nigerian Exchange Group (NGX) under the ticker "JAIZBANK".
Bank codes, USSD codes, and transfer limits on this page are sourced from CBN publications, NIBSS, and official Jaiz Bank Plc communications, and are provided for informational purposes only. Codes and limits may change — always verify directly with Jaiz Bank Plc before high-value transactions. CurrentAffairs.com.ng is an independent civic information platform and is not affiliated with Jaiz Bank Plc, the CBN, or NIBSS. Last reviewed: August 2026.