App and USSD
Bank on any phone
The Ardent app on smartphones, *000# on every phone, and the chat on this site. All three work day and night.
01 / USSD simulator
Try *000# here
How to try it
Dial *000#
Tap the keys *, 0, 0, 0, # and then Send.
Pick a number
Type 1 for balance, 2 to transfer, 4 to pay a bill, then Send.
Freeze a card
Dial *000*5# from your registered line, any time.
A simulator with example balances. Nothing is sent anywhere.
02 / The app
What the app does
Balances and statements
Download statements as PDF for visas and landlords.
Transfers and bills
Transfers, electricity tokens, water and TV.
Savings rules
Set up Grow rules and goals in a minute.
Card controls
Freeze, limits and overseas payments.
Loans
Apply for a salary loan and track it.
Hausa and English
The whole app in either language.
| USSD code | What it does |
|---|---|
| *000# | Main menu |
| *000*1# | Balance |
| *000*2*amount*account# | Transfer |
| *000*3*amount# | Airtime for your line |
| *000*5# | Freeze or unfreeze your card |
| *000*7# | Mini statement, last five transactions |
Example codes for this demo.
03 / Safety
Safe by design
- The app locks to your phone and your PIN
- We never ask for your PIN, password or one-time code
- Every login is shown in the app with the device and place
- Freeze everything with one tap if your phone is stolen
Questions
Questions people ask
Does USSD cost money?
Your network may charge a small session fee (example ₦6.98). Ardent adds nothing.
Which phones work with the app?
Android 8 and newer, and iPhones from the last six years.