How to Activate GTB Transfer Code

Banking shouldn’t be stressful. It should be quick, easy, and work even without an internet connection. That’s what GTBank’s USSD service is made for.

With the *737# transfer code, you can send money, pay bills, or check your balance in just a few seconds. But before you can enjoy these benefits, you need to know how to activate GTB transfer code.

If you’re good with technology or not. A student, trader, business owner, and even an older adult. We’ll explain all the different ways to activate the transfer code, with your ATM card or not. We’ll also show how to activate it using SMS or online.

By the end of this article, you’ll know exactly how to manage your GTBank account from your phone.

1How to Activate GTB Transfer Code

2How to Activate GTB Transfer Code Without ATM Card

3How to Activate GTB Transfer Code via SMS

4How to Activate GTB Transfer Code Online

5USSD Code for GTBank Transfer

6How do I Activate my Transfer Pin?

7About GTBank

8What do I do if my Transfer Code Activation Fails?

9Frequently Asked Questions

10Conclusion

11References

12Recommendations

How to Activate GTB Transfer Code

Activating the GTBank transfer code is the first step to enjoying easy and fast banking on your phone. With just a few simple codes, you can send money, check your balance, and do many other things; anytime, anywhere, even if you’re not in a big city.

Before you can activate the GTBank transfer code, make sure you have:

A working GTBank account
A mobile phone (either a touchscreen or button phone)
The phone number you used when opening your GTBank account (SIM card must be active)
Your GTBank ATM card to help confirm your identity (this is optional)

Step-by-Step Guide

Dial 737# on your phone using the number linked to your GTBank account.
Select the option that says “Create or Activate Transfer PIN” from the menu.
Type in your GTBank account number when it asks.
Enter the last 6 numbers on your GTBank ATM card.
Choose a 4-digit PIN that you will use to approve transfers.
Type the PIN again to confirm it.
You’ll get a text message telling you that your activation was successful.

Read: Fastest Place to Convert Crypto to Cash in Nigeria 2025

How to Activate GTB Transfer Code Without ATM Card

If you don’t have a GTBank ATM card, maybe because you just opened your account or lost your card, don’t worry. You can still activate your transfer code using an alternative method to verify your identity.

Steps to Follow

Dial ✳737# on the phone number linked to your GTBank account.
Choose the option that says “Create PIN without ATM card.”
Enter your GTBank account number when asked.
You will be asked to prove your identity. Do this by typing your date of birth or BVN.
Now, choose a 4-digit PIN that only you know and can remember.
Enter the same PIN again to confirm it.
GTBank will send you a message to let you know that your activation was success

How to Activate GTB Transfer Code via SMS

While the best way to activate the GTBank transfer code is by using the *737# code, some people ask if they can do it through SMS. GTBank does not allow full activation through SMS only, but SMS might be used during the process to help confirm your identity.

What you can do:

Dial *737# to begin the activation on your phone.
If needed, GTBank may send you a confirmation code by SMS.
Simply type the code where you’re asked to during the setup.

How to Activate GTB Transfer Code Online

If you prefer using your phone or computer to manage your account, GTBank lets you set up or change your USSD PIN through their internet services, like the GTWorld app or the GTBank online banking website.

Steps to activate your GTB transfer code online

Steps to activate your GTB transfer code using the mobile app

Open the GTWorld app or go to the GTBank online banking website and log in.
Go to the Settings menu and choose USSD or 737 Banking.
Select the option that says Create or Reset USSD PIN.
Type in your account details and confirm with a code sent to you (OTP) or use your internet banking token.
Enter a new 4-digit PIN and type it again to confirm.

USSD Code for GTBank Transfer

Once you activate the GTBank USSD code, it becomes a simple tool for doing everyday banking on your phone. The main code to get started is: *737#

Here are the most common ones:

To send money to a GTBank account, dial: *737*1*Amount*Account Number#
To send money to other banks, dial:
*737*2*Amount*Account Number#
To check your account balance, dial:
*737*6*1#
To recharge your phone, dial:
*737*Amount#
To recharge someone else’s phone, dial:
*737*Amount*Their Phone Number#

Benefits of using GTB USSD Codes

While there may be a few limits to what you can do with GTBank’s USSD codes, the benefits far outweigh them. Here are some of the biggest advantages:

Convenience: GTBank’s USSD codes make banking super easy. You can send money, buy airtime, check your balance, and more anytime, anywhere. You don’t need internet, a smartphone, or even to visit the bank. This is especially helpful if you’re in a remote area or can’t get to a bank branch.
Speed: Transactions done with *737# happen immediately. Whether you’re sending money or checking your account balance, everything is done in real-time. This speed is great when you need to act fast, like during an emergency or when making urgent payments.
Security: Banking with USSD is safe. Every time you do a transaction, you must enter your secret PIN. This makes sure that only you can access your account. Also, USSD doesn’t save any data on your phone, so there’s less chance of someone stealing your information.

Also, read: How to check if someone is Sharing Your Data on GLO

Common Issues with GTB USSD Codes

GTBank’s USSD code (*737#) is fast and convenient, but like any service, it can sometimes have problems. Here are some common issues you might face and how to deal with them:

Even though the service works most of the time, a few things can go wrong:

Wrong information: If you enter the wrong account number or type the wrong amount, the transaction will fail or worse, go to the wrong person.
Network problems: If your mobile network is weak, the USSD code might not go through. You could get an error message, or the transaction may not finish properly.
Service not working: Sometimes, the GTBank system may be down for maintenance or updates. During this time, the USSD service may not respond.

How do I Activate my Transfer Pin?

The transfer PIN is the key to using GTBank’s USSD service. Without it, you won’t be able to complete any transactions. You normally create this PIN when you activate the *737# code, but you can also set it up or change it separately.

Steps

Dial ✳737# on your phone.
Choose the option that says “Create or Reset PIN.”
The system will ask you to prove who you are using one of these:
- Your ATM card details
- Your Bank Verification Number (BVN)
- Or your Date of Birth
Enter a 4-digit PIN that you’ll remember.
Type it again to confirm.
You’ll get a message confirming that your PIN was successfully set.

About GTBank

Guaranty Trust Bank, also called GTBank or GTB, is one of the top banks in Nigeria. It was founded in 1990 and is known for being modern, customer-friendly, and excellent at digital banking. The bank’s main office is in Lagos, but it also operates in other African countries and has a branch in the United Kingdom.

GTBank provides many services such as personal and business accounts, loans, online and mobile banking, and investment help. One of its most popular services is the *737# code, which allows customers to send money, check balances, buy airtime, and do other transactions easily, even without an internet connection.

The bank is trusted for being safe and easy to use. It also cares about giving customers a good experience and helping the community. Over the years, GTBank has won many awards for great service and strong financial performance.

What do I do if my Transfer Code Activation Fails?

If you’re having problems with activating your transfer code, you can easily reach GTBank through any of these options:

Phone Call: Dial +234 700 4826 66328 (that’s 0700 GTCONNECT) to speak with a customer care representative.
Email: Send your questions or complaints to gtconnect@gtbank.com.
Social Media: You can message GTBank on their official pages on Twitter or Facebook.
Visit a Branch: You can also go to the nearest GTBank branch for face-to-face help.

Frequently Asked Questions

Can I use the GTBank USSD code on any phone?

Yes. You can use it on any phone as long as the phone number is linked to your GTBank account.

What happens if I change my phone number?

You’ll need to update your GTBank records. Visit a GTBank branch or call GTConnect to update your number and reactivate USSD on the new SIM.

Is there a transaction limit on *737#?

Yes. The daily USSD transfer limit is ₦100,000, but this can be increased through your GTBank app or by visiting a branch.

How secure is the *737# service?

It’s highly secure. Every transaction is protected by your 4-digit PIN, which only you should know. Even if your phone is stolen, no one can access your account without your PIN.

Does it work outside Nigeria?

Yes, but only if you’re roaming and still using your Nigerian number linked to your GTBank account.

Conclusion

Banking has changed such that you no longer need to stand in long lines, fill out forms, or rush to the ATM. With the GTBank USSD code, your phone can help you do almost everything you need from your bank. But first, you need to understand how to activate GTB transfer code to start using all these features.

If you haven’t activated your GTBank transfer code yet, don’t wait any longer. Just follow the easy steps in this guide and take charge of your banking anytime, from anywhere.

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