Diamond bank now has a USSD offering for making money transfers even when you do not have Internet coverage and you do not intend to visit a bank or ATM machine.
If you do not already have a bank account you can create one easily by following these steps.
1) Dial *710#
2) Enter First Name
3) Enter Last Name
4) Enter PIN
5) Confirm PIN
And you will receive a message with your new NUBAN account number.
You can use the account to do the following:
1) Buy MTN airtime
2) Send money from your Yellow account to Another Yellow Account
3) Send money from your Yellow account to Another Bank Account
4) Receive money into your Yellow account by providing your NUBAN or PHONE number to the buyer.