Easiest Way To Top Up Your Bank Account In Nigeria Using OneCard

You can top up your bank account in Nigeria using OneCard and instantly get credited. OneCard is multipurpose recharge card that can be used to pay for different services; One Card For All Services. With OneCard, You can pay Startimes Subscription, Recharge GoTV With OneCard as well pay for other cable TVs. You can also pay for other services using OneCard. However, we will be focusing on top-up your bank account in Nigeria with OneCard.

For those who don’t feel like going all the way to the bank just to deposit some cash into their account, This can be used as a better alternative. You can simply buy a OneCard Voucher of the equivalent amount you would like to deposit to your account and load it straight from your phone. OneCard has denominations as low as N50, N100, N200 all the way up to N20,000.

The OneCard Voucher/Scratch Card is available and can be bought on various shops, restaurants, and hotels all around the country. Once you’ve gotten the OneCard Scratch Card, then you can now go ahead and top up your bank account by following the steps below.

How To Top Up Your Bank Account In Nigeria Using OneCard

Before you top up your bank account in Nigeria using OneCard, you must first know you bank SPID which is an acronym for “Service Provider IDentifier”. Each Bank has their respective SPID and without this, you can’t top up your bank account in Nigeria using OneCard. Thankfully, we’ve compiled a SPID list of banks in Nigeria.

Access – 901

Citi – 101

Diamond – 937

Ecobank – 326

FCMB -329

Fidelity Bank – 770

First Bank – 894

GTBank – 737

Heritage Bank – 322

Jaiz Bank – 389

Keystone Bank – 533

Skye Bank – 833

Stanbic IBTC Bank – 909

Standard Chartered – 106

Sterling bank – 822

UBA – 919

Union Bank – 826

Unity Bank – 108

Wema Bank – 945

Zenith bank – 966

If your bank wasn’t listed, then they probably haven’t partnered with OneCard yet and you can’t use this service. However, if you see your bank then you can use the service. Just follow the steps below.

  • Scratch the Onecard Surface Gently to reveal the PIN.
  • Dial *979 *SPID *OneCardPIN *Account Number#

Just like that, you’ve successfully topped up your bank account in Nigeria Using OneCard. You should receive a message from your bank notifying you of the credit transaction on your account equivalent to the amount of the scratch card you used.


OneCard can be used for a whole lot of other stuff than just top up your bank account in Nigeria using OneCard. I also like the idea behind OneCard; Just one card but powerful enough to be used in paying for numerous services.

What do you think of OneCard? Will you be using this service? Let us know in the comment section Down below.

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  1. Musa Hamisu says

    I am interested in venturing into one Card business how will I get connected with One Card officials I am leaving in Yola Adamawa

  2. Afolabi Oluwafemi says

    Is there any charges attached to using one card to credit an account?

  3. malikberry says

    Comment:it is a good way to topup bank account thank you onecard for providing this opportunity

  4. Ichaibu Abah says

    Instead of having to buy the one card first b4 using the phone to conclude the transaction, why can’t we just purchase the one card online using our phones and hence reduce the stress involved.

  5. Kalu says

    Comment: Where can i buy the one card in Uyo akwa ibom state

  6. Lawal abiola says

    I want to load 1 card to my bank account but i got “Invalid request” message please help. Thanks.

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