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GTBank USSD Code for Airtime and Data

By Oluchukwu Ikemefuna

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The GTBank USSD code system revolutionises banking accessibility with its innovative approach, providing customers with a convenient way to manage their finances directly from their mobile phones.

As technology continues to shape the banking sector, GTBank remains at the forefront of innovation, offering a seamless and efficient solution for various transactions. 

From fund transfers to bill payments and loan requests, GTBank’s USSD code simplifies banking processes, ensuring that customers can conduct their financial activities with ease and convenience, anytime and anywhere. 

In this article, we’ll be reviewing the GTBank USSD code system, highlighting its benefits and how customers can use it to ease their banking experience.

What is a USSD Code?

Unstructured Supplementary Service Data (USSD) is a communication protocol specifically designed for GSM mobile networks. 

It allows users to interact with their mobile network operator’s (MNO) system directly from their phones. 

Unlike Short Message Service (SMS), USSD offers a real-time session-based interaction. When a user dials a USSD code (e.g., *737# for GT Bank), a menu appears on the phone’s screen with various options. 

Users can then navigate through the menu and select the desired service, such as checking their account balance or transferring money. 

USSD messages are concise and consist primarily of numbers and basic text, eliminating the need for additional applications on the phone. 

This makes USSD a universally accessible tool for mobile banking and network services, even on basic feature phones.

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What is the GTBank USSD code?

GTBank USSD code *737# has changed banking in Nigeria, making it easier for customers to handle their accounts without visiting branches or needing internet access. 

With this code, people can do a lot of banking tasks right from their phones, without hassle. The *737# service is available anytime, day or night, so customers aren’t limited by traditional banking hours. 

This flexibility suits the busy lives of today’s people, who want things done quickly and conveniently. The great thing about this  *737# code is its simplicity. It’s easy for anyone to use, even if they’re not tech-savvy. 

Plus, the code *737# is easy to remember, which is handy, especially in areas where internet access is limited, and not everyone is familiar with technology.

Security is also a priority with GTBank, as they’ve put measures in place to protect customers’ financial details during USSD transactions. This reassures customers that their money is safe.

GTBank’s *737# USSD code represents their commitment to making banking innovative, convenient, and customer-focused. It marks a new era in Nigerian banking, giving people the freedom to manage their money wherever and whenever they need to.

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How to Use GTBank USSD Code

Using the GTBank USSD code is simple and straightforward. Here’s a step-by-step approach to it:

  • Dial *737# on your mobile phone.
  • Follow the on-screen prompts to select the desired banking service (e.g., airtime purchase, fund transfer, bill payment, etc.).
  • Enter the required details, such as the amount to transfer, recipient’s account number, etc.
  • Confirm the transaction by entering your unique USSD PIN.
  • Once confirmed, the transaction will be processed, and you will receive a confirmation message.

It’s also important to note that customers must use the phone number registered with their GTBank account to access the USSD service. 

Also, each transaction requires authentication with a unique USSD PIN for security purposes.

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How to get the GTBank USSD Code Transaction Pin

To obtain your GTBank USSD transaction PIN, follow these steps for enhanced security:

  • Dialing the Code:

Start by dialing *737*5# on your mobile device. This initiates the process of setting up your transaction PIN.

  • Provide Card Details:

You’ll be prompted to input the last six digits of your GTBank debit card. This step ensures that only the cardholder can create or reset the PIN, adding an extra layer of security to the process.

  • Create your PIN: 

After entering your card details, you’ll be prompted to create your unique 4-digit PIN. Choose a combination that is easy for you to remember but difficult for others to guess. Avoid using common sequences or easily identifiable numbers to enhance security.

  • Confirmation: 

Once you’ve entered your desired PIN, the system will ask you to confirm it by re-entering the same digits. Double-check to ensure accuracy and confirm your selection.

  • Transaction Ready: 

With your new PIN set, you’re now ready to securely conduct transactions using GTBank’s USSD service. Remember to keep your PIN confidential and never share it with anyone to prevent unauthorised access to your account.

By following these steps, you can ensure a seamless and secure experience while using GTBank’s USSD service for your banking needs.

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What Is the GTBank USSD Code for Airtime?

One of the most common transactions performed using the GTBank USSD code is the purchase of airtime.

Customers can easily top up their mobile phone credits by following these simple steps:

  • Dial *737amount# from the phone number linked to your GTBank account. For example, to recharge ₦500, dial *737500#.
  • Follow the on-screen prompts to confirm the transaction.
  • Enter your USSD banking PIN to authenticate the transaction.
  • Once confirmed, your mobile phone will be credited with the specified airtime amount instantly.

It’s also important to note that the GTBank USSD code for airtime purchases is available 24/7, providing convenience to customers whenever they need to recharge their phones.

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What is the GTBank USSD Code for Data?

In addition to airtime, customers can also use the GTBank USSD code to purchase data bundles for internet access on their mobile devices.

The process is straightforward and can be completed within minutes:

  • Dial *737*4# from the phone number linked to your GTBank account.
  • Select the option for data purchase from the menu.
  • Choose your preferred data bundle option based on your usage requirements.
  • Follow the prompts to confirm the transaction and enter your USSD banking PIN.
  • Upon successful authentication, your selected data bundle will be activated, providing you with seamless access to the internet.

GTBank offers a variety of data bundle options to cater to different usage patterns, ensuring that customers can find a suitable plan that meets their needs and budget.

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What Security Measures are Taken by GTBank to Ensure Seamless Activities?

GTBank prioritises the security of its customers’ financial transactions.

To ensure secure banking via USSD, the bank has implemented several security measures, including:

1. Personalized USSD PIN: 

Customers are required to create a unique USSD PIN when activating the service. This PIN is used to authenticate transactions, adding an extra layer of security.

2.Transaction Limits:

GTBank imposes daily transaction limits to mitigate the risk of unauthorised transactions. Customers can customise these limits based on their preferences and risk tolerance.

3. Encryption: 

All USSD transactions are encrypted to protect sensitive information from unauthorised access or interception.

4. Two-Factor Authentication: 

Certain transactions, such as fund transfers, may require additional authentication via OTP (One-Time Password) sent to the customer’s registered mobile number.

By adhering to these security protocols, GTBank ensures that customers can enjoy the convenience of USSD banking without compromising on safety.

Also, you can always visit their official website for more questions and any area of their service you find difficult, or simply call the Interactive Contact Center (GTConnect) on 01448000, 070 0482 6663 28, 080 2900 2900, 080 3900 3900, 081 3985 6000 to speak with a Customer Service representative. 

You can also visit any GTBank branch to speak directly to any of our Customer Service Representatives.

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Benefits of GTBank USSD for Airtime and Data

The GTBank USSD service for airtime and data offers a lot of benefits to customers, enhancing convenience, accessibility, and efficiency in banking transactions. 

Below are some of the key advantages:

  • Accessibility: 

The GTBank USSD code service is available to all GTBank customers with mobile phones, regardless of the device’s specifications. 

  • Convenience: 

With the GTBank USSD code, customers can top up their airtime or purchase data bundles anytime, anywhere, without the need to visit a physical bank branch or ATM. 

  • Instant Transactions: 

USSD transactions are processed in real-time, ensuring that customers receive their airtime or data immediately after confirmation.

There are no delays or waiting periods associated with USSD transactions, allowing users to stay connected without interruption.

  • 24/7 Availability: 

The GTBank USSD service operates round the clock, including weekends and holidays, providing customers with uninterrupted access to airtime and data purchases. 

  • Cost-Effectiveness: 

Using the USSD code for airtime and data transactions incurs minimal or no additional charges, making it a cost-effective alternative to other payment methods such as purchasing airtime vouchers or visiting physical outlets. 

  • Security: 

GTBank prioritises the security of USSD transactions, implementing stringent security measures to protect customers’ financial information and prevent unauthorised access.

By using personalised PINs and authentication protocols, customers can conduct transactions with confidence, knowing that their accounts are secure.

  • Customization: 

The GTBank USSD service offers a range of airtime and data bundle options, allowing customers to customise their purchases based on their usage patterns and preferences. 

  • Ease of Use: 

The USSD menu interface is designed to be intuitive and user-friendly, with simple prompts and options guiding customers through the transaction process.

Even those unfamiliar with mobile banking or technology can easily navigate the USSD menu to complete their transactions effortlessly.


What is GTBank *737# USSD Banking?

*737# USSD Banking is a mobile banking service offered by GTBank that allows you to conduct various banking transactions using a USSD code (`*737#`) on your mobile phone. 

What is the GTBank USSD code for airtime top-up?

The USSD code for topping up your own airtime is *737*amount#, where “amount” is the desired recharge amount in Naira.

Can I use the USSD code to recharge someone else’s phone?

Yes, you can! The code for recharging a third party’s phone is *737*amount*PhoneNo#, where “amount” is the recharge amount and “PhoneNo” is the recipient’s phone number.

How do I purchase a data bundle using the GTBank USSD code?

Dial *737*4# and follow the on-screen prompts. You will be presented with a menu for buying data. Choose “Buy Data” and then select your network provider and desired data plan. Confirm your selection and enter your PIN to complete the purchase.

What if I don’t remember my GTBank USSD PIN?

You can’t retrieve a forgotten PIN. However, you can easily reset it by dialing *737# and following the prompts to create a new USSD PIN.

Do I need internet access to use the GTBank USSD service?

No, a major advantage of USSD is that it works without an internet connection. You only need mobile network coverage.

How do I activate my GTBank USSD service?

If you haven’t already, activate your USSD service by dialing *737#. Follow the prompts to create a USSD PIN. You can do this even without an ATM card.


The GTBank USSD code service for airtime and data provides customers with a seamless, efficient, and secure way to manage their mobile communication needs. 

With its accessibility, convenience, instant transactions, and robust security features, the USSD service enhances the overall banking experience, empowering customers to stay connected anytime, anywhere.



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Blessing Ukibe
Blessing Ukibe

Medical Student at Nnamdi Azikiwe University|Tech content expert at Silicon Africa Technology|Lover of fun books and fun fun ☺️

Articles: 148

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