What is USSD Code and its list ?

What is USSD Code and its list ?

10 May, 2024


  • USSD is helpful for making payments in remote locations.

  • USSD payments are encrypted and therefore extremely safe.

  • Like USSD, you can also transfer funds and make payments via HDFC Bank’s PayZapp.

In this era of digital transactions, USSD codes have emerged as a helpful tool, bridging the gap between traditional banking services and the convenience of modern technology. From checking your account balances to making payments, USSD offer a quick and efficient way to manage your finances on the go. So, it is essential to understand what USSD Codes are, their significance, and their role in conducting financial transactions. Besides USSD, you can also use HDFC Bank’s PayZapp for swift digital transactions. Let us find out more about both, USSD and PayZapp in this article.

Understanding USSD Codes

Unstructured Supplementary Service Data (USSD), also known as phone check codes, is a protocol used by GSM cellular telephones to communicate with your mobile service provider’s computers. While SMS (Short Message Service), functions on a store-and-forward basis, USSD works by establishing a real-time connection during a session between you and the application. This makes USSD ideal for interactive communication between you, the mobile user, and various applications, including banking services.

Phone check codes typically start with an asterisk (*) followed by a unique sequence of numbers and end with a hash (#). These codes allow you to access a wide range of services provided by your mobile network operator or other service providers. You can simply dial the USSD number from your mobile device to initiate the desired service, eliminating the need for internet connectivity.

The Significance of USSD Codes

USSD codes play a vital role in enhancing financial inclusion, especially in regions where internet access is limited. They provide a simple and accessible means to perform banking transactions, check account balances, transfer funds, and pay bills, using your mobile phone. This accessibility empowers users, especially those residing in a rural or remote areas, to participate in the formal financial system without having to rely on physical bank branches.

USSD codes also offer a secure way to conduct transactions, as they do not require the storage of sensitive information on your device. Each session initiated through a USSD number is encrypted, ensuring the confidentiality of data exchanged between you and the service provider.

Common USSD Codes List

The mobile code list varies as per the mobile service provider that you use. Here are some common codes:

  • *99# for basic banking services.

  • *123# for mobile recharge.

  • *141# for balance inquiry.

  • *151# for fund transfers.

  • *456# for mini statements.

  • ##0*## is display checking code.

These codes offer quick access to banking and telecom services without internet.

Making Payments via USSD

One of the most convenient features of USSD numbers is their ability to facilitate payments directly from your bank account. To make a payment via USSD, you must follow these simple steps:

  1. Dial the USSD number provided by your bank or payment service provider from your mobile device.

  2. Choose the option for payments or transactions from the menu displayed on your screen.

  3. Enter the necessary details, such as the recipient’s account number, payment amount, and any other required information.

  4. Review the transaction details carefully and confirm your payment by entering your PIN or authentication code.

  5. Once the transaction is processed successfully, you will receive a confirmation message with the transaction details.

Making Payments via PayZapp

While USSD is helpful, it is limited in what in can do. However, everything you can do via USSD codes, you can do via online payment apps like HDFC Bank’s PayZapp. PayZapp simplifies the payment process, allowing you to pay utility bills, recharge your accounts, buy movie tickets, and make online purchases, using your smartphone. Here’s how you can make payments via PayZapp:

  1. Download PayZapp Online Payment App, register yourself on the app and log in.

  2. Link your UPI Account, or Debit/Credit card to your PayZapp account securely.

  3. Explore the various payment options available within the PayZapp app, such as bill payments, merchant payments, and online shopping.

  4. Select the desired payment option and enter the necessary details, such as the payment amount and recipient’s information.

  5. Confirm the payment using the secure authentication method provided by PayZapp, such as OTP or biometric authentication.

Once the payment is processed successfully, you will receive a confirmation message with the transaction details.

Click here to do mobile recharge through PayZapp on your IOS phone.

Click here to do Mobile recharge online through PayZapp on your Android phone.

Make Payments Easily Via PayZapp

USSD codes are extremely helpful if and when you don’t have access to the internet. They are ideal for people who do not use smartphones or those who need to make a sudden payment, when the internet services are down. But, today, internet services are prevalent nationwide. Internet is utilised even in the most rural corners of the country. As such, digital payment solutions like PayZapp seems like an upgraded version of USSD, to initiate quick online payments. What’s more, both HDFC Bank and other bank customers can use PayZapp. You simply need to link your other bank cards and UPI accounts to PayZapp to initiate payments.

Use PayZapp for easy money transfers. Download the app today!

*Disclaimer: Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.

Use PayZapp for easy money transfers.

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