The finance industry is evolving, and millions of Nigerians rely on microfinance banks for quick loans and financial support, especially when commercial banks feel out of reach.
This drastic increase in the daily users of the microfinance banks has been a benefit for the old and new microfinance banks, and due to their flexibility to perform actions in the blink of an eye, especially transactions, just in a second your receiver would have received the money.
It has really help the people and for micro finance banks that also support their customers with loans like AB Microfinance Bank, they are leading the chart and filing a gap the regular local banks can’t fill up especially for SMEs who just need some urgent amount to run up a very profitable once in a while business, getting a loan from any local bank is not easy and even if they are really willing to loan the smalli/ medium business enterprises the money, the interest is usually not favorable to the client because they are not dealing with big businesses.
If you’re looking for the fastest way to get a loan from AB Microfinance Bank in your own comfort? In this article we’ve discussed in detail how you can easily access the ABmobile with the USSD code without the need for an internet connection.
Learn more about AB Microfinance Bank. AB Microfinance Bank is licensed by the CBN and has been operating in Nigeria for years, with a strong focus on supporting SMEs, traders, and low-income earners. By implementing a USSD code access to their major services, AB Microfinance Bank understands that not everyone has internet access 24/7 and internet banking apps can fail due to poor networks.
For this reason, people need fast offline access to loans and account services. This AB MFB USSD code allows customers to apply for loans, check balances, and manage accounts without internet.
Step-by-step: Using AB (myABmobile) USSD Code for Loan
Follow these steps exactly as shown and choose the ones that align with you, whether you’re a registered or new user of ABmobile.
A—If your phone number is already registered (registered user)
• Dial the USSD code: *389*755# from the phone number linked to your AB account.
• Wait for the main menu to appear. You will see the menu list: Balance, Transfer, Loans, Pay Bills, and Account Services.
• From the main menu, choose Loans.
• Choose the loan product or Quick Loan.
• Enter the loan amount you want.
• Confirm your AB account number where funds should land.
• Enter your USSD PIN to authorize the application.
• Wait for an on-screen message and an SMS confirming approval or rejection.
B—If your phone number is not yet registered (the “Activate account” flow you saw)
• Dial *389*755 when presented with the first menu,
• Choose 1 to activate the account.
• Enter your AB account number exactly when prompted (the screen title you saw was “Welcome to myABmobile—enter account number”).
• Set your USSD PIN when prompted (choose a 4-digit PIN and follow on-screen rules). You’ll be asked to enter the PIN twice to confirm.
• Wait for registration confirmation on-screen and by SMS (“Registration successful—your mobile banking is active”). After success, the full menu (Home, Balance, Transfers, Loans, etc.) should appear—you’ll see options like 0 = Home and 9 = Exit, as you noticed.
• If activation fails on USSD: you can complete activation at a branch or use the myABmobile app registration and visit the branch later.
Common AB Microfinance USSD Issues & How to Fix Them
Using the AB Microfinance USSD code is one of the fastest methods of accessing major services by AB, such as checking your balance, applying for loans, transfers, and other quick transactions.
But while using the AB USSD code, you can come across one of these common issues, and here’s how to sort them out.
• Banking Services Unavailable: This is one of the common problems people face while trying to use the AB USSD code, especially on weekends or late hours.
If you dial the code and see an error that says “Banking services temporarily unavailable,” it simply means the network is down. To fix this, you just need to wait for some minutes or hours until AB restores their USSD services.
• Incorrect PIN: If you enter the wrong PIN, you will not be able to continue your transaction. To fix this, reset or change your AB USSD PIN, and once you create a new one, you can continue using the service without stress.
• Invalid Code / No Response: Sometimes when you dial the USSD code, nothing comes up, or you see an “Invalid code” error.
This usually happens if you don’t type the code correctly. Make sure you dial *389*755# exactly. If the issue continues, try using the AB mobile app as an alternative or go to the nearest branch.
• Activation Still Failing: If you are a new user trying to activate and it keeps failing, you might need to complete the registration through the myABmobile app or go directly to the nearest AB branch for activation.
Some accounts still require branch confirmation before you can use USSD fully.
Frequently Asked Questions (FAQs)
1. What is the AB Microfinance USSD code for getting loans?
The official AB Microfinance USSD code is *389*755#. Once you dial it, select the loans option and enter your PIN to see your account loan availability.
2. Can I check my AB Microfinance loan application without internet?
Yes, you don’t need mobile data or internet. The USSD service works perfectly even on small phones that are not smartphones.
3. Is the AB USSD code safe for transactions?
Yes, it is safe. AB requires you to use a PIN before any transaction goes through. Just make sure you don’t share your PIN with anybody.
4. What should I do if the AB USSD code is not working?
If you see errors like “Banking services unavailable” or “Invalid code,” wait and try again after some time. If it keeps failing, use the myABmobile app or visit the nearest AB branch for support.
5. Do I need to register before using the USSD code?
Yes, you must activate your number first. If you’re new, just follow the activation process when you dial the code. If it still doesn’t work, visit AB’s branch to complete the registration.
Conclusion
With the AB Microfinance USSD code, you can easily apply for loans, check your balance, and make quick transactions without internet. It’s fast, safe, and convenient for both new and existing customers. Always keep your PIN secure, and if you face any issues, use the app or visit the nearest branch for help.
