How to Check Balance on Links Microfinance Using USSD Code

The rise of microfinance banks in Nigeria has given us the chance to do more without stepping inside a local bank. If you ask most people today when last they stood in a banking hall just to check their balance, they will surely tell you they can’t remember.

That ease is what Links Microfinance Bank is bringing through their Sofri mobile app and their USSD code banking (*723*2222#). Whether you are online or offline, you can know exactly how much is in your account within seconds.

Learn More About Links Microfinance (and Sofri)

In 2022, the Central Bank of Nigeria (CBN) approved DLM Capital’s acquisition of Links Microfinance Bank, making it a fully licensed CBN institution.

Shortly after, the bank launched its digital banking arm, the Sofri mobile app. The name Sofri comes from the phrase “so free,” meant to market the app as a stress-free, digital-first banking platform. In 2025, Sofri has been updated with new features for credit access, savings, and payments, making it one of the most popular microfinance apps in Nigeria.

What You Can Do With Links Microfinance (and Sofri)

• Bank Transfers – send and receive money across Nigerian banks.
• Loans – quick loans for salary earners and businesses.
• Savings – flexible plans with interest.
• Current Accounts – everyday banking for individuals and SMEs.
• Bill Payments – pay electricity, TV, and internet bills.
• Airtime & Data – recharge instantly.
• Debit Cards – Get Verve/ATM cards for transactions.
• USSD Banking (*723*2222#) – check balance, transfer, pay bills offline.
• Sofri App – A digital banking app for account opening, loans, transfers, and full mobile access.

Official Links USSD Code

• Code: *723*2222#
• Requirement: Works only with the phone number linked to your account.
• First time use: You must register (enter account number and set PIN).
• After registration: The menu appears instantly for services like balance, transfer, airtime, bills, etc.

Step-by-Step: Registering for Links USSD

1. Dial *723*2222#.
2. Select 1 = Register.
3. Enter your Links/Sofri account number. (Random numbers will show “Account not found.”).
4. Set a USSD PIN.
5. Get a success message (screen + SMS).
6. After this, your USSD menu will be active.

Step-by-Step: How to Check Balance on Links MFB with USSD

1. Dial *723*2222# (from your registered phone number).
2. From the menu, select Balance.
3. Input your USSD PIN.
4. Your account balance will appear instantly on your phone screen.

Common Issues & Fixes

• Account not found → You need to have an account already (via the Sofri app or branch). Download the Sofri app and create an account first.
• Banking services unavailable → Happens often during weekends or downtime. Wait 10–30 minutes and try again.
• Wrong PIN: Reset through the Sofri app or branch if you forget.
• Invalid code → Ensure you are dialing *723*2222# correctly.

Frequently Asked Questions (FAQ)

1. Can I check the balance without internet?
   Yes, the USSD works fully offline. No data required.
2. Do I need to download the Sofri app first?
   Yes. To use the USSD, you must already have a Links/Sofri account (from the app or branch).
3. What is the USSD code for balance?
   Dial *723*2222#, select Balance, and enter your PIN.
4. Is the USSD safe?
   Yes, it is secured with a personal PIN. Just avoid sharing your PIN with anyone.
5. Does it work 24/7?
   Yes, but network issues can cause temporary downtime.

Conclusion

Checking your account balance with the Links Microfinance USSD code is very simple and fast. The Sofri app takes care of users that want to stay online, while the USSD code is the perfect option for people who just want quick balance checks and transactions without internet.

With this combination, Links MFB has placed itself among the most reliable digital microfinance banks in Nigeria today.