Nigerians frequently have difficulties when using banking services. Because of long lineups, network failures, and power outages, financial operations such as money transfers might take several hours to complete. Without using a smartphone app or going into a banking hall, you may manage your GTBank account. You are now able to access banking operations with GT Bank USSD codes to transfer money.
Short codes are increasingly the norm when it comes to banking. Balance checks, money transfers, and airtime purchases for your cellular network—which enables bill payments and other financial transactions—can all be done with just your mobile phone. The internet is not required. Do not worry. Dial and go.
In this tutorial, every important detail regarding GT Bank USSD codes to transfer money is covered. We shall explore banking details in greater detail that are not available from other sources. For both new users who are unfamiliar with GTBank’s USSD service and seasoned users who want to learn more, this page is a vital resource. Well, let’s get going.
How Do GTBank USSD Codes Work?
Unstructured Supplementary Service Data is what USSD stands for. One method that allows phones to communicate with financial institutions using particular numbers is called USSD. Similar to SMS but far more powerful. Through the USSD codes that GTBank provides, customers may do banking transactions using their standard phone interface without the need for a smartphone or internet access.
The GTBank USSD code is *737*. The transaction process starts when you dial 737, and you complete it by giving the required command.
For example:
You can use the command sequence *737*1*Amount*AccountNumber# to send money instantly to any other GTBank customer through their mobile phone.
Use *737*2*Amount*AccountNumber# to send funds to different banks from your GTBank account.
The codes provide fast and secure service options that function nonstop day or night.
Read also: How To Share Data On Airtel Without Extra Cost: 3 Easy Methods To Try Out
Why Are GTBank USSD Codes So Important in Nigeria?
Nigeria is a mobile-first country. Many people lack smartphone access, and a limited number of individuals maintain steady internet availability. Almost every citizen in Nigeria has a mobile phone. USSD codes from GTBank prove their value since they function across all cellular devices, including those without an internet connection.
They’re also lifesavers during emergencies. USSD codes from GTBank prove their value when you wish to wire money to your child in school or recharge your phone network while caught in heavy traffic. USSD provides a solution that takes just seconds to execute operations.
GTBank USSD Codes for Transfers
The primary function of GTBank USSD codes involves cash transfers between accounts. Transactions between bank users are among the most convenient features that GTBank offers its clients.
1. Transferring to Another GTBank Account
The process of sending funds to a GTBank user requires users to activate their USSD service by dialing:
*737*1*Amount*AccountNumber#
Example:
To transfer ₦5,000 to 0123456789, dial:
*737*1*5000*0123456789#
The system will request you to provide your GTBank PIN number or the final four numbers of your debit card.
2. Transferring to other banks in Nigeria
Users can send money to external bank accounts (such as UBA, Access, or Zenith) through the following command:
*737*2*Amount*AccountNumber#
Once you select the bank from the available options, the system will ask you to confirm with your PIN.
Example:
Users can send ₦10,000 to Zenith Bank account 1234567890 through this USSD code: “*737*2*10000*1234567890#.”
Transfer Limits and Security
Using GTBank’s USSD service, you can perform up to ₦200,000 worth of transactions each day. You need to access the mobile app or internet banking to transfer funds that exceed daily transfer limits.
Security is built in. You need to use either your personal identification number or the last four digits of your payment card for completing a transaction. Someone stealing your phone cannot send money to someone without the required authentication details.
Hidden Tips Most People Don’t Know
You can save beneficiaries. GTBank automatically detects frequently used accounts after multiple transaction transfers. Using this feature allows you to bypass the need to re-enter account numbers repeatedly.
You can use nicknames. Customers who use the USSD platform of GTBank can give their accounts unique names. You can create a quick-access nickname, “MumGTB,” to keep your mother’s account easily accessible.
The system allows users to stop a transaction before it completes. The transaction will not proceed if you hit the back key or quickly end the current call before typing your PIN. The transaction won’t go through. USSD operates autonomously without requiring SMS alerts for functionality.
You can use it overseas. Your active Nigerian SIM card that is set up for roaming services is what allows USSD to function. By using this service, Nigerians who reside overseas may send money locally.
What Happens If You Make an Error?
Call 0700 4826 66328 right away if you transfer funds to the incorrect bank account. As long as the account owner hasn’t taken the money out, a bank can reverse transferred cash. When money leaves your account, it’s impossible to get it back, so act quickly.
Bills, Airtime, and Other GTBank USSD Codes
GTBank USSD codes are capable of carrying out several more operations in addition to money transfers. Here is a summary:
Airtime Top-Up
For self: `*737*Amount#`
For others: `*737*Amount*PhoneNumber#`
Check Account Balance
– `*737*6*1#`
Pay Bills (DSTV, PHCN, etc.)
-`*737*50*Amount*SmartCardNo#`
Buy Data
– `*737*4#` → Follow the prompts.
Open an Account
– `*737*0#`
Retrieve BVN
– `*737*6*1#`
Block Your ATM Card
– `*737*51*10#`
To protect your account from theft, you should block it recursively.
Enter your linked account phone number through the dial code `*737*51*74#`.
How to Register and Activate GTBank USSD Codes
Getting started is simple.
1. Dial `*737#`
2. Simply follow the prompts to establish your 4-digit PIN.
3. Link your GTBank debit card.
4. You’re done.
You do not need to physically visit any branches to complete this process. The GTBank account must be linked to the phone number that you will use for the service.
Pros and Cons of GTBank USSD Codes
Pros
– No internet required
– Fast and reliable
– Works on all phones
– Secure
– Available 24/7
Cons
– Daily limits
– Can’t handle complex transactions
– Dependent on mobile network quality
Get faster service with GTBank USSD codes. The app serves to manage cards, establish standing orders, and display account statements.
Frequently Asked Questions
1. Can I access GTBank USSD codes across different phone numbers?
No. The GTBank USSD service can be accessed only by the mobile phone number that is associated with your bank account.
2. Where should I go if I experience forgetting my USSD PIN?
Dial `*737*5#` to reset your PIN. Your debit card or secure token will be needed to complete the transaction.
3. When I’m not in Nigeria, can I still authenticate GTBank USSD transactions?
An active, roaming Nigerian SIM card is required.
4. Is utilizing GTBank’s USSD transaction system subject to any fees?
When you make a purchase through your mobile network provider, a modest transaction fee of ₦6.98 will be deducted. Is it feasible for me to disable the USSD feature on my GTBank account? In agreement. To turn off USSD banking, enter `*737*20*0#`.
5. Will I continue to get GTBank USSD transaction alerts even if I activate the Do Not Disturb (DND) feature?
You may sign up to receive account updates via GTBank’s email alert system.
6. Can GTBank USSD codes maintain security against fraudulent activities?
You can use GTBank USSD services without safety risks unless you expose your PIN or card information. The GTBank staff will not request the PIN from you for any reason.
Conclusion
Banking has changed. You no longer need to wait in line or download heavy apps just to send ₦1,000. The power is in your hands—literally. With GT Bank USSD codes to transfer money, you can run your finances from anywhere. Whether you’re in a rural village or stuck in Lagos traffic, your bank is just a few buttons away.
Don’t wait for the next network outage or emergency to learn how it works. Try it today. Dial `*737#` and explore the options. It’s fast. It’s secure. And it’s made for you.
Take action now.
Pick up your phone and dial `*737#`. Try checking your balance, sending ₦100 to a friend, or topping up your phone. Once you start, you’ll never go back to banking the old way.
