Banking in Nigeria has become more than just savings and loans, today, microfinance banks like AB MFB also help you recharge your phone or buy data without stress. With the official USSD code *389*755#, you can top up airtime or data bundles in seconds, directly from your account, without internet or visiting a branch.
This service is one of the simplest and most used features of AB Microfinance Bank without the need to use the AB MFB application, because every Nigerian uses airtime or data daily.
Learn More About AB Microfinance Bank (and Digital Banking)
AB Microfinance Bank started operations in Nigeria in 2008. Since then, it has built a reputation as one of the most trusted CBN-licensed microfinance banks, backed by international investors like IFC, KfW, and AfDB.
The bank focuses on small businesses, traders, and individuals who want fast and affordable banking. Apart from traditional loans and savings, AB has fully entered digital banking through:
- USSD Code *389*755# (for offline banking).
- myABflex Mobile App (for smartphone users with internet).
The app and USSD complement each other. With USSD, you can recharge airtime/data for yourself or others anywhere in Nigeria.
Step-by-Step: How to Buy Airtime with AB USSD Code
Self-Recharge (Your own number)
- Dial *389*755# from your registered phone number.
- From the main menu, select Airtime/Data.
- Choose Self (for your own number).
- Enter the recharge amount (e.g., 500, 1000, etc.).
- Confirm with your USSD PIN.
- Wait for the success message and instant recharge.
Third-Party Recharge (Other numbers)
- Dial *389*755#.
- Select Airtime/Data from the menu.
- Choose Others.
- Enter the recipient’s phone number.
- Enter the recharge amount.
- Confirm with your USSD PIN.
- The recipient gets the airtime instantly, and you receive a debit SMS.
How to Buy Data with AB USSD Code
The same process applies, except you select Data instead of Airtime.
- Dial *389*755#.
- From the menu, choose Data.
- Pick the network (MTN, Airtel, Glo, 9mobile).
- Enter the data bundle you want (options will display).
- Enter your PIN to confirm.
- Data will be activated instantly on the selected line.
Benefits of Using AB USSD for Airtime/Data
- 24/7 Availability – Works anytime, even weekends and public holidays.
- No Internet Needed – Perfect for feature phones and areas with poor networks.
- Fast & Secure – Transactions complete in seconds with PIN protection.
- Supports All Nigerian Networks – MTN, Airtel, Glo, and 9mobile.
- Recharge for Others – Send airtime/data directly to friends, family, or customers.
Common Issues & Fixes
- Transaction failed / “Banking services unavailable” → This error usually occurs when the bank network is down. The fastest solution for this is to wait and retry.
- Wrong phone number entered → If you’re getting this error screen, you should double-check before confirming so that you don’t make a mistake. Once sent, airtime/data can’t be reversed.
- USSD not working at all → Ensure you’re dialing *389*755# from your registered SIM.
- Wrong PIN → If you input an incorrect PIN or you forget your PIN, reset your PIN via the myABflex app or at any AB branch.
FAQ
Q: What is the USSD code for airtime and data on AB Microfinance?
The official code is *389*755#.
Q: Can I recharge other numbers?
Yes, both for airtime and data. Just choose “Others” during the process.
Q: Is there a minimum or maximum recharge limit?
Yes. the minimum is ₦50, while the maximum depends on your account KYC tier.
Q: Can I use this service on weekends or at night?
Yes, the USSD works 24/7.
Conclusion
AB Microfinance Bank has made it stress-free for Nigerians to recharge airtime and buy data without cash or internet. With the *389*755# USSD code, you can top up your line or send airtime/data to others in seconds.
Whether you’re using a smartphone or a small Tecno/ Nokia torchlight phone, the process is the same: simple, fast, and reliable.
