Reasons You Should Avoid Using Bank USSD to Send Airtime Credit

While bank USSD codes offer a convenient way to send airtime credit, there are several risks that can cause frustration and financial loss. Below are key reasons why you should avoid using bank USSD for this purpose:

1. Risk of Errors or Timeouts

A common issue with bank USSD transactions is the occurrence of errors or timeouts. After entering the necessary codes and confirming the transaction, the system may display a timeout or error message, leading you to believe the transaction failed. However, in some cases, the airtime may still be sent, and your account debited without you being aware of it.

2. Double Charging

Because of the error or timeout message, many people retry the transaction, thinking the initial one did not go through. This can lead to being charged twice for the same airtime purchase, causing an unintentional financial loss.

3. Delayed Notifications

Another issue is the delayed SMS notifications that confirm the transaction. By the time you receive a confirmation message for the first transaction, you may have already processed a second, causing confusion and doubling the charges.

4. No Refunds for Airtime

Unlike other bank transactions, airtime purchases are usually non-refundable. If you're charged twice, the bank is unlikely to return the money, leaving you with excess airtime that you may not need immediately.

5. Limited Record Keeping

Since USSD transactions often lack comprehensive records, tracking the exact time and status of your airtime purchase can be difficult. This makes it harder to prove a double charge when trying to resolve the issue with the bank.


By being aware of these challenges, you can avoid the frustration and potential financial loss associated with using bank USSD to send airtime credit. Instead, consider using more reliable options, such as mobile apps or direct airtime transfers app through your network provider.