How to Open Account on Links Sofri App Before USSD Activation

In Nigeria today, microfinance banks are no longer the “small” alternative. Many of them, like Links Microfinance Bank, now run full digital operations. If you dial their USSD code *723*2222# without an account, you’ll get the “Account not found” error.

That’s because you must first open an account, either on the Sofri app (their digital arm) or at a branch.

Once you have the account number, you can then register for the USSD platform of Sofri which works even without internet connection.

Why Sofri?

Sofri is the digital app powered by Links Microfinance Bank. The name itself comes from the slang “so free”, a marketing push for stress-free banking.

Backed by DLM Capital, it officially launched after CBN approved the acquisition of Links MFB in 2022. Sofri was built for mobile-first Nigerians who want simple transfers, savings, and loans without stepping into a bank hall.

What You Need to Open a Sofri Account

• Smartphone with internet (Android/iOS).
• Valid phone number (must be linked to your NIN for BVN verification).
• Basic ID info (BVN, name, email).
• Just a few minutes of setup.

Step-by-Step: Open Account on Sofri App (New User)

1. Download Sofri App from Play Store or App Store.
2. Open the app and tap Create Account.
3. Enter your Phone Number (required).
4. Enter your Email Address (required).
5. Tap Create Account.
6. An OTP (one-time password) will be sent to your phone → enter it to verify.
7. Your Sofri account profile is now created, and you’ll be guided to set a password/PIN.
8. Once done, your Sofri Bank Account Number is generated instantly.

Step-by-Step: Register Existing Account (If You Already Have One)

1. On the home screen, tap Register Account.
2. Enter your Links/Sofri Account Number.
3. Enter your Date of Birth.
4. Tap Register.
5. You’ll be linked to Sofri app, and the account syncs immediately.

Linking Sofri Account to USSD Code

Once you have your Sofri account number:

1. Dial *723*2222# from the same phone number used on the app.
2. Select 1 — Register.
3. Enter your Sofri/Links account number.
4. Create a USSD PIN.
5. Registration confirmation will show, and an SMS will be sent to your mobile number.
6. After that, you’ll see the full USSD menu (Transfers, Balance, Airtime, Data, Bills).

Extra Tips

• Use the Sofri app for account creation → USSD doesn’t allow new account opening.
• Always keep the phone number linked to BVN and Sofri active; otherwise, USSD won’t work.
• If you ever change SIM or phone number, update your profile in the app or at a branch.
• The Sofri app and USSD work hand-in-hand — app for deeper features (loans, cards, savings) and USSD for quick offline actions.

Frequently Asked Questions (FAQ)

Q: Can I open an account with only USSD?
No. Links/Sofri requires you to first create an account on the app or at their branch.

Q: Do I need BVN?
Yes, BVN is mandatory to open a Sofri account.

Q: After opening a Sofri account, how long before I can use USSD?
Instantly — once the account number is generated, you can dial *723*2222# and register.

Q: Can I have both the Sofri app and USSD running?
Yes — most people use both. App when there’s data, USSD when offline.

Conclusion

If you tried *723*2222# and got “Account not found”, don’t panic. It simply means you need to open an account first.

The Sofri app makes this easy, download it, sign up with your BVN, and you’ll get an account number within minutes.

After that, USSD registration is smooth, and you can start using both platforms side by side.