GTBank ussd Codes: Guaranty Trust Bank (GTBank), now operating as GTCO (Guaranty Trust Holding Company), remains one of Nigeria’s most innovative banks. Its USSD banking service allows customers to perform transactions without internet using simple dial codes.
This guide provides everything you need to know about GTBank USSD codes, including:
- What is GTBank USSD Banking?
- How to Register for GTBank USSD Banking
- Complete List of GTBank Transfer Codes
- Step-by-Step Money Transfer Guide
- Checking Account Balance via USSD
- Buying Airtime & Paying Bills
- Generating Mini Statements
- Cardless Withdrawals
- Security Tips & Fraud Prevention
- Troubleshooting Common Issues
- FAQs About GTBank USSD Banking
What is GTBank USSD Banking?
GTBank’s USSD banking (*737#) is a menu-driven, SIM-based service that works on all Nigerian mobile networks (MTN, Airtel, Glo, 9mobile).
Key Features:
✔ Instant transfers (GTBank to GTBank & other banks)
✔ Airtime purchases (self & third parties)
✔ Bill payments (electricity, DSTV, etc.)
✔ Account balance checks
✔ Mini statement generation
✔ Cardless ATM withdrawals
✔ Loan applications (Quick Credit)
How to Register for GTBank USSD Banking
Self-Registration via USSD
- Dial *737# on your GTBank-registered number.
- Select “Create PIN” (for first-time users).
- Enter your GTBank account number.
- Create a 5-digit USSD PIN (different from ATM PIN).
- Confirm the PIN to complete registration.
Via GTWorld Mobile App
- Download GTWorld from Google Play/App Store.
- Log in and navigate to “USSD Services”.
- Follow prompts to activate *737# banking.
GTBank Branch Activation
Visit any branch with:
- Your BVN
- AÂ valid ID
- Your registered phone number
Complete List of GTBank Ussd Codes
| Code | Function | Shortcut |
|---|---|---|
| *737# | Main USSD menu | N/A |
| *737*0# | Check balance | *737*00# |
| *7371Amount*NUBAN# | Transfer to GTBank | *73711000*1234567890# |
| *7372Amount*NUBAN# | Transfer to other banks | *73725000*9876543210# |
| *7373Amount*Phone# | Buy airtime for self | *7373500# |
| *7374Amount*Phone# | Buy airtime for others | *73741000*08012345678# |
| *737*5# | Pay bills (PHCN, DSTV) | *73751# (for electricity) |
| *737*6# | Quick Credit (loans) | *73761# |
| *737*7# | Cardless withdrawal | *7377Amount# |
| *737*8# | Mini statement | *737*8# |
| *737*911# | Block account | Emergency use |
How to Transfer Money Using GTBank USSD
A. GTBank to GTBank Transfer
- Dial *7371Amount*AccountNumber#
(Example: *73715000*1234567890#) - Confirm with your 5-digit PIN.
- Receive SMS confirmation.
B. GTBank to Other Banks
- Dial *7372Amount*AccountNumber#
(Example: *737210000*9876543210#) - Select recipient’s bank from the list.
- Enter PIN to confirm.
Checking Account Balance
- Dial *737*0# or *737*00#
- Enter 5-digit PIN
- Balance displays instantly
Buying Airtime & Paying Bills
Airtime Purchase (Self)
- Dial *7373Amount#
(Example: *7373500# for ₦500 airtime)
Airtime Purchase (Others)
- Dial *7374Amount*PhoneNumber#
(Example:Â *73741000*08012345678#)
Bill Payments
- Dial *737*5#
- Select bill type:
- 1Â for electricity
- 2Â for DSTV/GOTV
- 3Â for Startimes
- Enter details & confirm with PIN
Generating Mini Statements
- Dial *737*8#
- Enter PIN to view last 5 transactions
Cardless Withdrawals
- Dial *7377Amount#
(Example:Â *737720000#) - Select ATM withdrawal option.
- Receive OTP to withdraw without card.
Security Tips
Never share your USSD PIN
Avoid using public phones for banking
Beware of phishing messages
Always log out after transactions
Dial *737*911# to block account if compromised
See Also: Access Bank Customer Care
Troubleshooting Common Issues
A. “Transaction Failed” Error
- Insufficient balance
- Network issues (try again later)
- Incorrect account details
B. “Invalid PIN” Error
- Ensure correct 5-digit PIN
- Reset PIN via *737# if forgotten
C. USSD Not Responding
- Check network signal
- Ensure you’re dialing *737# correctly
- Contact GTBank support:Â 0700 482 6633
FAQs About GTBank USSD Banking
Is GTBank USSD free?
- No, each transaction attracts a ₦6.98 fee.
What’s the daily transfer limit?
- ₦1,000,000 for most accounts (lower for new users).
Can I use GTBank USSD abroad?
- No, it works only on Nigerian networks.
How do I change my USSD PIN?
- Dial *737#, select “Change PIN”, and follow prompts.
Can I repay GTBank Quick Credit via USSD?
- Yes, dial *737*6# and select repayment option.
Conclusion
GTBank’s *737# USSD banking provides fast, secure transactions without internet. Whether transferring money, buying airtime, or paying bills, this service ensures convenience for all customers.
Always protect your PIN and report suspicious activities immediately. Start using *737# today for seamless banking!