Hi Reader! Do you know you can check your first bank account balance on your mobile phone without your ATM card in 2026? With advances in technology, banking is now simpler and stress-free.
There are so many things you can do with your first bank account on your phone, but in this article, we will focus on how to check your account balance.
You don’t have to go to the bank to check your account balance; you don’t have to go to a POS shop to check your account number, and you don’t have to go anywhere! All you need is your phone!!
Whether you are using a phone or a desktop, you can check your First Bank account balance. Whether or not you have data, you can check your First Bank account balance. So, rest assured that by the end of today, you will know how to check your account balance at First Bank.
Without wasting much time, let’s get started.
How to Check Account Balance on First Bank in 2026
I will take you through two ways to access your First Bank Account Balance in 2026. One of the two ways does not require a network connection; you can use any phone to access your account balance. The other requires a network connection and can only be done on a phone (Android or iPhone).
Hold on while I take you through the steps.
How to Check Your First Bank Account Balance Without ATM Card
The following are the two ways to view your First Bank account balance;
- Through First Bank USSD code
- Through the First Bank mobile app.
I believe you can now deduce which require a network connection and which do not!
Before I explain how to check your First Bank account balance using the two methods above, you should know that if you use the USSD code, you need to activate your line first! So, let me quickly take you through that!
About First Bank of Nigeria
First Bank of Nigeria Limited is a Nigerian multinational bank and financial services company in Lagos, Nigeria. It is the premier bank in West Africa.
The First Bank of Nigeria Limited operates as a parent company, with the subsidiaries FBN Bank in the Republic of Congo, Ghana, The Gambia, Guinea, Sierra-Leone, and Senegal; FBN Bank UK Limited in the United Kingdom with a branch in Paris; First Bank Representative Office in Beijing to capture trade-related business between geographies.
First Bank also operates First Pension Custodian Nigeria Limited, Nigeria’s foremost pension custodian. The teeming customers of the First Bank Group are serviced from a network of over 700 business locations across Africa.
To promote financial inclusion and reach the unbanked, First Bank has an extensive Agent Banking network, with over 53,000 locations across Nigeria.
The Bank specializes in retail banking and has the largest client base in West Africa, with over 18 million customers. For eight consecutive years (2011 – 2018), First Bank Nigeria received the Best Retail Bank in Nigeria award by The Asian Banker. You can read more about the First Bank of Nigeria here!
How to Activate your Line to Use First Bank USSD Code
The First Bank USSD code is a quick, convenient, secure, and simple way to perform financial operations (transfer money, buy airtime, check balance, pay bills, and much more) from any mobile phone, anytime and anywhere without the need for a network connection or the use of a browsing phone.
The First Bank USSD Code is *894#.
You can use your phone to check your First Bank account balance by dialing the First Bank USSD code. To utilize First Bank mobile banking, you must first activate your line.
If you haven’t already, please follow the steps below to check the balance of your First Bank account using its USSD code:
- Firstly, simply dial *894*0# using the phone number linked to your account. Other phone numbers won’t work.
- A masked number on your ATM card will be displayed on your screen.
- Select the name of your ATM card
- You will be asked to enter the 4-digit PIN of your ATM card. Enter the PIN and send.
- You will then be required to create a 5-digit PIN for mobile banking. Enter the PIN and send.
- And your number is ready to be used for any First Bank Mobile Banking Service.
Now that you have successfully activated your number for First Bank Mobile Banking Service, let’s move on to how you can use it to check your account balance.
How to Check Account Balance on First Bank using USSD
To check your Account Balance on First Bank using the USSD code, follow the simple steps below;
- Simply dial *894*00#
- Enter your 4-digit PIN
- And boom, your account balance will appear on your screen, and a message with your balance will also be sent to you.
Simple, right? Yeah!
Note that this service is not FREE! Every time you check your account balance, N10 will be deducted as a service fee.
Amazingly, you don’t need to go to the Bank or any POS shop to check your account balance, and you don’t need an internet connection to do so.
However, if, one way or the other, you can’t use the First Bank USSD code to access your account balance, you can use the First Bank mobile app, but know that this will require an Android phone or iPhone and a network connection.
How can I activate mobile banking in FirstBank?
- Simply go to the Google Play Store or Apple App Store to download the First Bank mobile app, then install and launch it.
- Register with your bank details and verify with either your linked phone number or email address.
- Enter your ATM card number and PIN, then click Next.
- An SMS containing a One Time PIN (OTP) will be sent to your device. Copy the number and enter it in the field provided, then click Next.
- Enter your m-pin code, which will be your login PIN. This is a five-digit code you must remember for subsequent transactions.
- Enter the two secret questions and answers. Click Next.
- Enter a four-digit security PIN as prompted. It will also be needed for future transactions. If you wish, you can use your ATM card code.
- Complete the process as prompted. You are ready to use mobile services.
How to Check Your Account Balance Using First Bank Mobile App
To check your First Bank account balance using the mobile app, simply follow the steps below;
- After you have activated the First Bank mobile banking app,
- Once you are able to log in, your account balance will be displayed on your dashboard.
It is very easy and straightforward.
FAQs: How to Check First Bank Account Balance on Mobile Phone 2026
Is First Bank of Nigeria in the USA?
Yes, First Bank is in the United States of America.
First Bank of Nigeria, a Nigerian bank with branches in Ghana, South Africa, Guinea, Gambia, Sierra Leone, DRC, UAE, United States, UK, France, China, etc.
Who is the CEO of FirstBank?
Dr. Adesola Adeduntan is an accomplished professional with distinctive international and domestic experience in commercial and investment banking, development finance, audit, and consulting; a philanthropist and leader with a keen interest in providing platforms for the development of other young leaders.
Is FirstBank a good bank in Nigeria?
FirstBank is the #1 Brand in Nigeria’s financial services sector and falls within the top 500 global banking brands.
How Can I Check My First Bank Account Balance via Mobile Phone?
You can check your First Bank account balance through several means such as SMS, USSD, or mobile banking applications. The specific process might vary depending on your location and the banking services available.
What Are the Steps to Check My Balance Using USSD Code?
To check your First Bank account balance using the USSD code, simply dial the specific code provided by First Bank. This will typically follow a format similar to “*894*0*0#”. After dialing, you should receive a message displaying your current account balance.
What is the Process to Check Balance Using the Mobile Banking App?
To check your account balance using the First Bank mobile banking app, you’ll first need to download and install the app from your phone’s app store. Once installed, you’ll need to log in using your credentials. After logging in, you should be able to easily see your account balance on the app’s main screen or under a specific ‘balance’ or ‘account’ section.
Can I Check My Account Balance Via SMS?
Yes, some banks do offer the option to check your account balance via SMS. You would need to send a specific text message to a designated number. The bank would then reply with your current account balance. However, this feature is not available for FirstBank.
Do I Get Charged for Checking My Account Balance?
Typically, USSD, SMS, and app balance inquiries could attract charges from your bank, although this varies depending on the bank’s policies and the specific type of service used. Some banks offer a set number of free balance inquiries per month. Always check with your bank for any potential charges.
Can I Check My First Bank Account Balance at Any Time?
Yes, you can typically check your First Bank account balance at any time on your mobile phone. However, please be aware that system updates or network issues could occasionally impact this service.
Are These Services Available on All Mobile Phones?
Most mobile banking services, such as USSD and SMS balance checks, are available on all types of mobile phones. For mobile banking apps, a smartphone with a compatible operating system (like Android or iOS) is required.
Is It Safe to Check My Account Balance on My Mobile Phone?
Yes, it’s generally safe to check your account balance on your mobile phone, as banks use encryption and security measures to protect your information. However, you should always ensure you’re using a secure and private internet connection, and never share your banking details with anyone.
Conclusion
Activating your phone number for First Bank USSD banking gives you quick and secure access to essential banking services directly from your mobile phone. With the *894# code, you can transfer money, buy airtime, check your account balance, and perform many other transactions without visiting the bank or using internet banking.
By following the correct activation steps and keeping your USSD PIN secure, you can enjoy fast, convenient, and stress-free banking anytime and anywhere in Nigeria.
With this post, I am confident I have satisfied your search intent. If you have any questions, kindly leave us a comment.
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