The microfinance industry in Nigeria is growing bigger every day and people are now enjoying more flexible ways to manage their money. If you ask many people when last they went to a physical bank, they can’t even remember. That’s because microfinance banks like LAPO are making it easy with mobile apps, agency banking, and USSD services that do not even need internet connection.
LAPO Microfinance Bank (MFB) is one of the most trusted names in Nigeria’s microfinance space. Established in 1987 and headquartered in Lagos, LAPO has grown across the country and supports millions of Nigerians, especially small traders and low-income earners. They are well known for quick loans, savings, and financial inclusion.
One of the easiest things you can do with LAPO is to check your account balance using their USSD code.
What LAPO Microfinance Bank Offers
Some of the main services LAPO provides to Nigerians include:
- Microloans – Fast loans for individuals and small businesses.
- Savings Accounts – Options for daily, weekly, or fixed savings.
- USSD Banking – Carry out transactions like checking balance, loan applications, and transfers.
- Agency Banking & Mobile App – Access LAPO services through their app or nearby authorized agents.
- Bill Payments & Airtime – Pay utilities and recharge your phone directly.
LAPO USSD Code for Balance Enquiry
The official LAPO USSD code is: *371#
This code works on any type of phone (basic or smartphone) and does not require internet.
- Dial *371# using the phone number linked to your LAPO account.
- Select the option for Balance Enquiry.
- Enter your LAPO USSD PIN.
- Your account balance will display on the screen instantly and you may also get an SMS alert.
Troubleshooting (Quick Fixes)
When checking your balance, you might face some small issues. Here are common errors and quick solutions:
- “Banking services temporarily unavailable” → Usually happens during weekends or system maintenance. Wait 10–30 minutes and try again.
- Wrong/Invalid PIN → Don’t keep guessing. Use the mobile app or visit a branch to reset your PIN if you forgot it.
- No response / invalid code → Ensure you’re dialing *371# correctly from your registered phone line.
- Account not found → This happens if you’re not fully registered for USSD. Download the LAPO mobile app or visit a branch to activate your account for USSD services.
Frequently Asked Questions (FAQ)
Q1: What is the USSD code for checking LAPO account balance?
The code is *371#. Dial it from your registered phone number, choose “Balance Enquiry,” and confirm with your PIN.
Q2: Can I check my balance without internet?
Yes. The LAPO USSD service works completely offline. No mobile data or internet is needed.
Q3: Is it safe to use LAPO USSD banking?
Yes. All transactions require your unique PIN. Just keep your PIN private and do not share it with anyone.h
Q4: What should I do if the code doesn’t work?
Wait for a while and retry. If it continues, use the LAPO mobile app or visit the nearest LAPO branch for support.
Conclusion
With LAPO’s USSD banking, checking your balance is now very easy and stress-free. No need to visit a branch or look for internet data. Just dial *371#, follow the steps, and your balance shows up in seconds.
It’s simple, fast, and made for everyday Nigerians who want convenience right on their phone.
