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Capability

USSD Banking on Any Phone

Hundreds of millions of customers do not own a smartphone or reliable data. USSD banking reaches them. Manam delivers full-service banking over USSD — balance, transfers, payments, airtime, and loans — on any handset, no internet required.

Banking without the internet

USSD works on every GSM phone. Customers dial a short code and transact instantly — no app, no data, no smartphone.

A driver of financial inclusion

USSD banking brings the unbanked and underbanked into the formal financial system, at population scale.

Part of one omni-channel core

USSD shares the same accounts, ledger, and security as mobile and agent banking on one omni-channel platform — one consistent experience.

Secure by design

Every USSD session is encrypted and PIN-protected, carrying the same fraud controls as the bank's app and web channels.

  • Works on any GSM phone
  • No internet or app required
  • Balance, transfers, payments
  • Airtime & bill pay
  • Loan requests
  • Encrypted, PIN-secured sessions

Customer journey

How USSD Banking works

1

Dial the short code

The customer dials a code like *247# on any phone — no smartphone, app, or data needed.

2

Choose a service

A plain-text menu appears: send money, buy airtime, pay bills, check balance, or request a loan.

3

Enter the details

They key in the recipient and amount right in the USSD session — a few taps, no typing an app open.

4

Confirm with a PIN

A secure PIN authorises the transaction; the session is encrypted end to end.

5

Instant confirmation

The transaction settles in real time and an SMS receipt confirms it — with the updated balance.

Powered by

Manam MobeeOmni-channel digital banking — apps, web, USSD, SMS, STK, wearables, and social — delivered as one consistent, secure experience under your brand.

Frequently asked questions

What is USSD banking?

USSD banking lets customers access banking services by dialing a short code (e.g. *123#) on any mobile phone, with no internet connection or app required.

Why is USSD banking important for financial inclusion?

Because it works on the most basic phones without data, USSD banking reaches customers who cannot use smartphone apps — bringing the unbanked into the formal system.

What can customers do over USSD?

Check balances, transfer money, pay bills and merchants, buy airtime, and request loans — full-service banking, all from a dialed short code on any handset.