Unity Link Money Transfer

*894# is a quick, convenient, secure and easy way to perform your banking transactions (transfer money, check balance and lots more) anytime and anywhere, using any type of phone without need for internet connectivity or data.

Once you have an FBNBank account linked to the FBNBank MasterCard, a phone number profiled for SMS alert and a mobile phone, you are just one dial away from enjoying the unbeatable 894 experience.

Simply dial *894# to get started!!

Banking is just a code away.



Dial *894#
Select Registration & click Send
Enter Account Number & click Send
Enter desired PIN (5 digits) & click Send
Confirm desired PIN (repeat 5 digits) & click Send


Dial *894#
Select Activate & click Send
Enter USSD PIN & click Send

HOW TO TRANSFER (Internal Transfers)

Dial *894#
Select Transfers & click Send
Select FBN Transfers & click Send
Select account to transfer from & click Send
Enter beneficiary account & click Send
Enter amount & click Send
Select Okay to confirm beneficiary name and amount & click Send
Enter USSD PIN to authorize transaction & click Send

HOW TO TRANSFER (Other Bank Transfers)

Dial *894#
Select Transfers
Select Other Transfers
Select Bank index from the alphabetical list provided
Select Bank name
Enter beneficiary account
Select Okay to confirm beneficiary name and amount & click Send
Select benefactor account to transfer from
Enter amount
Select Okay to verify transfer details
Enter USSD PIN to authorize the transaction

NB: **The daily transaction limit for transfers is GH¢10,000. However, there is a limit of GH¢5,000 per transaction.

**Minimum transfer amount is GH¢10


Dial *894#
Select Check Balances & click Send
Select account to check the balance on & click Send
Enter USSD PIN to confirm action & click Send


Dial *894# shortcode
Select My Account option
Select the PIN Change option
Enter your old PIN
Enter your new PIN

The customer receives a notification for a successful PIN change.

NB: For all issues on password reset, kindly contact the E-Business Department for a successful reset. You will be required to confirm the account and phone number details.


Dial *894#
Select Airtime
Select the network to purchase for
Select beneficiary i.e. Self or Other (For Other, enter recipient’s phone number)
Enter amount
Confirm details by selecting Okay
Enter the Desired PIN to authorize payment (Customer gets a notification which reads “Request is being processed”)
The beneficiary receives value for airtime purchased

NB: Minimum amount for airtime purchase is GH¢2.00 across all networks.


Dial *894# shortcode
Select Yes to begin the process
Select Salutation from options provided
Enter “First Name”
Enter “Middle Name”
Enter “Last Name”
Enter Date of Birth
Select Gender

A de-facto account number is generated whose KYC has to be completed at the nearest branch to activate.

How do I enroll?

Walk up to any customer service desk at any of our branches and register phone number on the bank’s SMS platform (both new and existing accounts holders).

If you are already receiving alerts, ignore this step, dial *894# and follow prompts to register and activate.

What categories of customers ca sign up for FBNBank’s Quick Banking *894#?

All individual account holders with phone numbers enrolled on the SMS Alert platform. Joint accounts and Corporate accounts are not eligible for this product.

Is this product available across all networks?

All subscribers on MTN, AirtelTigo & Vodafone can sign up for Quick Banking *894#.

What can I do with Quick Banking *894#?

Account Opening
Airtime & Data Purchase
Interbank Transfers
Check Balance
Mini Statements

What is the minimum amount of airtime I can top up in a day?

The minimum amount is GH¢2

What is the minimum and maximum amount of money that can be transferred in a day?

The minimum amount is GH¢10
The maximum amount is GH¢5,000

Can I make transactions on Quick Banking *894# using any type of phone?

Yes. You can use any type of phone for all your transactions.

Do I need internet to access Quick Banking *894#?

No. There is no need for internet access before using this product.

How secure is the Quick Banking *894# product?

The service is protected on two levels:

During enrolment, you need to supply your registered number on our SMS alert platform
You create a 5-digit secret PIN. This serves as a transaction PIN for authorizing your transactions

How do I reset my transaction PIN?

Dial *894# and select ‘PIN Change,’ confirm the old PIN and reset a new PIN for yourself.

In case you forget your PIN completely, visit our nearest branch and request for PIN reset.

You may also like…

Online Banking: Bank with convenience. You can perform banking transactions via Internet, without the waiting and restrictions of branch banking.

FBNBank MasterCard: Use this card anywhere in the world for your ATM, Online or Point of Sale (POS) transactions wherever the MasterCard logo is displayed.

Savings Accounts: Achieve your savings goals and enjoy competitive interest rates when you save your money with us. Save to attain your financial freedom.

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