USSD (2024)

FAQs

What is USSD? ›

USSD, also known as Unstructured Supplementary Service Data, can be defined as a protocol for a global system for mobile communications that enables you to send text messages. It works similarly in function and purpose as SMS, but has some notable differences like it can be used on any type of phone or messaging app.

What is the meaning of USSD banking? Unstructured Supplementary Service Data (USSD) allows users without a smartphone or data/internet connection to use mobile banking through the *99# code. USSD based mobile banking can be used for fund transfers, checking account balance, generating bank statements, among other uses.

Unlike an SMS message, during a USSD session, a USSD message creates a real-time connection. This means USSD enables two-way communication of information, as long as the communication line stays open. As such, queries and answers are nearly instantaneous.

Dial #. Make the phone call. When the code is running, you will see "Please wait..." (iPhone) or USSD code running... (Android) or something similar on the phone screen.

What Does USSD Code Running Mean on My Android Phone? If you see the “USSD code running” message on your screen, it means that a USSD code is being executed. This usually happens when you dial a number or access a feature that uses a USSD code.

The numbers represent a code the network uses to establish a connection with a particular entity, and different Mobile Network Operators (MNOs) use different codes. As an example, a USSD message to request a device's location might look like this: *999#.

Data throughput is limited

And if your device records any voice, video, or photographs, it won't be able to send them over the USSD code.

One of the main benefits of SMS and USSD is that they are simple and accessible. They do not require a smartphone, an app, or an internet connection. They can work on any mobile phone, and they are supported by almost all network operators.

What is USSD access? ›

USSD is a Global System communication technology used by Banks to enable customers who mainly do not have internet access on their phone to perform banking activities irrespective of their mobile network.

USSD code provide strategic solutions by offering a direct and accessible communication channel with users. USSD allows online businesses to penetrate the markets where these resources may be scarce, customers can easily access services, make transactions and engage with the business.

Code to check all call forwarding information: *#004# Code to turn off all forms of phone redirection: ##002# Code to check if phone is tapped: *#21# Code to show unknown connections and tracking (for Android): *#*#4636#*#* or *#*#197328640#*#*

LACK OF INPUT AND DATA VALIDATION

Improper data validation in the USSD can lead to injection attacks that can leak sensitive information. An attacker may insert specifically crafted text in the user input to perform malicious actions in the back-end server.

USSD banking is available to all mobile phone users, and you do not need a smartphone or internet connection to use it. You only need to dial a USSD code on your mobile phone, and you can access a range of banking services. USSD banking is easy to use, and it does not require any installation or registration.