GTBank Nigeria USSD Codes for Transfers, Airtime, Data & More

Last verified: September 30, 2025
Disclaimer: nigeriaussdcodes.com is an independent help site. We are not GTBank. Codes and services may change at any time. We verify against official sources where possible.

Why GTBank USSD Codes Matter

Guaranty Trust Bank, now part of GTCO (Guaranty Trust Holding Company), is one of Nigeria’s most innovative and customer-focused banks. Known for sleek orange branding and modern banking solutions, GTBank is widely trusted by students, professionals, and businesses alike.

One of the key reasons behind GTBank’s popularity is its USSD banking service *737#, which remains one of the most user-friendly in Nigeria. While other banks introduced USSD later, GTBank pioneered quick dial codes that made it possible to:

Transfer money instantly.
Buy airtime and data.
Pay bills.
Withdraw without ATM cards.
Access loans and quick credit.

Whether you’re a small business owner in Onitsha, a student in Lagos, or a parent in Kaduna, GTBank’s *737# gives you access to your money anytime, anywhere—without internet.

Key takeaways

Main USSD code: *737# (GTBank Quick Banking).
Check Balance: *737*6*1#.
Transfer to GTBank: *737*1*Amount*AccountNumber#.
Transfer to Other Banks: *737*2*Amount*AccountNumber#.
Airtime (Self): *737*Amount#.
Airtime (Others): *737*Amount*RecipientNumber#.
Data Purchase: *737*4#.
Bills: *737*50#.
Cardless Withdrawal: *737*3*Amount#.
Loan/Quick Credit: *737*51*51#.
Block Account (Emergency): *737*51*74#.

GTBank Nigeria USSD Codes (2025)
Action	USSD Code	Notes
Activate USSD	`*737#`	Register with debit card details and BVN.
Check Balance	`7376*1#`	Balance shown instantly with PIN confirmation.
Transfer to GTBank	`7371AmountAccountNumber#`	Quick intrabank transfers.
Transfer to Other Banks	`7372AmountAccountNumber#`	Select destination bank from list.
Airtime (Self)	`737Amount#`	Recharge registered line.
Airtime (Others)	`737Amount*RecipientNumber#`	Recharge family/friends.
Buy Data	`7374#`	Select bundle, confirm with PIN.
Pay Bills	`73750#`	DSTV, PHCN, WAEC, Startimes, etc.
Cardless Withdrawal	`7373*Amount#`	Generates Paycode for GTBank ATMs.
Quick Credit/Loan	`73751*51#`	Access salary advance or quick credit.
Block Account	`73751*74#`	Instant account blocking in emergencies.

How to Register & Activate GTBank USSD (*737#)

Before using *737#, you need to activate:

Dial *737# on your registered phone number.
Enter the last 6 digits of your GTBank debit card.
Create a secure 4-digit PIN.
Confirm PIN.

Once activated, you can access all USSD services instantly.

Note: Only the phone number linked to your account will work. If you change SIMs, you may need to re-register.

Checking Account Balance

Dial *737*6*1#.
Enter your 4-digit PIN.
Your balance will appear on-screen and via SMS.

Why it matters:

Prevents overspending.
Helps you confirm if a transfer or salary has reflected.
Useful for students and traders who depend on real-time checks.

Troubleshooting:

If you get “Invalid Input,” confirm you’re dialing from the correct SIM.
If network is congested, retry later.

Transferring Money with GTBank USSD

To GTBank Accounts

Dial *737*1*Amount*AccountNumber#.
Example: *737*1*5000*1234567890#.
Confirm recipient name → enter PIN.

To Other Banks

Dial *737*2*Amount*AccountNumber#.
Select the receiving bank from the list.
Enter PIN to finalize.

Practical Scenarios

A Lagos businesswoman pays her supplier late at night.
A student in Abuja transfers allowance to a sibling in Enugu.

Transfer limits: ₦500,000 daily (cumulative) depending on account type.

Airtime & Data Purchases

Airtime for Self

Dial *737*Amount#.
Example: *737*200# → ₦200 credited instantly.

Airtime for Others

Dial *737*Amount*RecipientNumber#.
Example: *737*500*08031234567#.

Data Purchase

Dial *737*4#.
Choose your preferred data bundle.
Confirm with PIN.

Use cases: Parents top up kids’ phones, small business owners recharge staff lines, and individuals buy data during urgent needs.

Paying Bills via GTBank USSD

Bills you can pay include:

Electricity: PHCN, IKEDC, EKEDC, etc.
TV subscriptions: DSTV, GOtv, Startimes.
Exam fees: WAEC, JAMB PINs.
Internet subscriptions.

Steps:

Dial *737*50#.
Select category (electricity, TV, etc.).
Input customer ID or meter number.
Confirm amount.
Enter PIN.

Cardless Withdrawal

Forgot your ATM card? Use GTBank’s Paycode:

Dial *737*3*Amount#.
Receive a one-time Paycode via SMS.
Visit any GTBank ATM.
Select “Cardless Withdrawal.”
Enter Paycode + PIN.
Collect cash.

This feature is especially useful if you lose your wallet or need urgent cash.

Accessing Loans with GTBank USSD

GTBank offers Quick Credit loans via USSD:

Dial *737*51*51#.
Select “Quick Credit.”
Enter amount (loan limits depend on salary and transaction history).
Confirm with PIN.

Repayment: Deducted automatically from your account monthly, with interest.

Emergency Account Blocking

If your phone or SIM is stolen:

Dial *737*51*74#.
Your account is blocked instantly.
Visit a GTBank branch later to reactivate.

This is one of the fastest ways to stop fraud in emergencies.

Security & PIN Management

Always create a strong PIN (avoid simple digits like 1234).
Change your PIN regularly via *737#.
Never share your PIN with anyone—not even GTBank staff.
If your SIM is swapped, immediately block your account.

Troubleshooting Common GTBank USSD Problems

Invalid MMI/Connection Error
- Ensure you’re using your registered SIM.
- Restart your phone or toggle Airplane Mode.
Session Timed Out
- USSD menus expire in 20 seconds. Respond quickly.
- Try at off-peak times.
Transfer Deducted but Not Received
- Wait 5–10 minutes; sometimes the system delays.
- If unresolved, call GTConnect with transaction ID.
PIN Blocked or Forgotten
- Reset via *737# → Security.
- Or visit a branch if fully locked.
Bill Payment Fails
- Double-check customer ID.
- Ensure enough funds for transaction + fees.
Loan Request Declined
- May be due to insufficient account activity or poor credit history.
- Increase deposits and retry after a few weeks.

FAQs

Q1: What is GTBank’s main USSD code?
*737#.

Q2: Can I use it without internet?
Yes, it’s fully offline.

Q3: How do I transfer to other banks?
Use *737*2*Amount*AccountNumber#.

Q4: What is the transfer limit?
₦500,000 daily cumulative.

Q5: Can I buy data with USSD?
Yes, via *737*4#.

Q6: How do I check my balance?
Dial *737*6*1#.

Q7: Can I withdraw without an ATM card?
Yes, via *737*3*Amount#.

Q8: Can I block my account by USSD?
Yes, dial *737*51*74#.

Q9: Can I borrow money on USSD?
Yes, Quick Credit loans are available via *737*51*51#.

Q10: What happens if I send money to the wrong account?
Always confirm recipient details. If it happens, report immediately to GTBank.

Q11: Can USSD be used abroad?
Yes, if roaming is enabled. Network charges apply.

Q12: Can I use USSD on all networks?
Yes, MTN, Airtel, Glo, and 9mobile all support it.

Q13: Does GTBank charge for USSD?
Yes, ₦6.98 per session (shared with telcos), plus transaction fees.

Q14: Can I reset my PIN?
Yes, via *737# → Security.

Q15: Is USSD secure?
Yes, as long as you keep your PIN private.

Conclusion

GTBank’s USSD code *737# is one of the most advanced and user-friendly in Nigeria. It combines transfers, airtime, bill payments, loans, and even emergency account blocking—all without internet.

This makes it perfect for everyone, from urban professionals who need quick payments to rural customers who may not have smartphones. With its innovative services like Quick Credit and Paycode withdrawals, GTBank continues to set the pace for mobile banking in Nigeria.

If you encounter issues, GTBank’s support is available via:

GTConnect (24/7 phone banking): 08039003900 or 014480000.
Website: <a href=”https://gtbank.com” target=”_blank” rel=”noopener”>gtbank.com</a>.
Help desk: *300.

Bookmark this guide, and you’ll always have GTBank’s USSD solutions at your fingertips.