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GTBank USSD Code for Transfer and other Banking Transaction

By Oluchukwu Ikemefuna

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The GTBank USSD code has become synonymous with convenience and efficiency in the Nigerian banking landscape. 

As technology continues to reshape the way we manage our finances, GTBank has emerged as a pioneer, offering customers a seamless banking experience through its innovative USSD code system.

With just a few taps on their mobile phones, customers can access a wide range of banking services, from balance inquiries to fund transfers, anytime and anywhere. 

In this article, we’ll be reviewing GTBank’s USSD code for transfers and other banking transactions, see its features, benefits, and the transformative impact it has had on the way Nigerians bank.

What is USSD Code?

USSD meaning Unstructured Supplementary Service Data code system is a system that allows customers to perform various transactions quickly and securely, without the need for internet access. 

USSD codes are a communication protocol used by GSM cellular telephones to communicate with the service provider’s computers. They offer a simple and efficient way to access services, particularly in areas with limited internet connectivity.

By dialing a specific code on their mobile phones, customers can access a range of banking services, including account balance inquiries, fund transfers, airtime purchases, bill payments, and more.

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What is the GTBank USSD code?

GTBank’s USSD code, *737#, represents a key shift in the Nigerian banking sector, changing the way customers interact with their accounts.

Unlike traditional banking methods that often require physical visits to branches or internet access for online transactions, the *737# service empowers GTBank customers to conduct a lot of financial activities effortlessly, directly from their mobile devices.

This innovative platform exceeds geographical limitations and time constraints, offering unique accessibility around the clock.

Whether it’s during business hours or the dead of night, customers can initiate transactions with ease, eliminating the need to adhere to conventional banking hours. 

This level of flexibility not only enhances customer satisfaction but also aligns with the dynamic lifestyles of modern-day individuals, who demand convenience and efficiency in every aspect of their lives.

Moreover, the simplicity and intuitiveness of the GTBank USSD code make it highly user-friendly, catering to customers of all demographics, including those who may not be tech-savvy. 

The memorable nature of the code, *737#, further enhances its accessibility, ensuring that customers can effortlessly recall it whenever the need arises.

This simplicity is particularly advantageous in a country like Nigeria, where internet penetration may still be limited in certain regions, and technological literacy varies among the population.

The security measures implemented by GTBank to safeguard USSD transactions instill confidence in customers, assuring them that their financial information remains protected at all times. 

In essence, the GTBank USSD code, *737#, shows the bank’s dedication to innovation, convenience, and customer-centricity. 

It heralds a new era of banking in Nigeria, where individuals have the power to manage their finances seamlessly, irrespective of time or location.

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

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.

  • Creating 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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GTBank USSD code for Transfer

Sending money has never been easier with GTBank’s 737 transfer service. Whether you need to transfer funds to a GTBank account or to other banks in Nigeria, the 737 service offers a convenient and fast way to do so, right from your mobile phone.

Below are simple steps to follow to send money to a GTBank account or other Bank accounts.

To send money to a GTBank account:

  • Dial *737*1*Amount*Recipient’s Account Number# from your GTBank registered phone.
  • Follow the instructions on your screen.

To send money to other banks:

  • Dial *737*2*Amount*Recipient’s Account Number# from your phone.
  • Confirm the transfer using your 737 PIN, hardware token, or the last four digits of your GTBank debit card.

Its Benefits and Features 

  • It’s an easy way to send money and it is available 24/7.
  • Transferring takes about 10 seconds to complete and it works with other Nigerian banks.
  • It allows a daily limit of up to  ₦1,000,000.
  • For amounts ranging from  ₦100 to  ₦500,000, it requires a 737 PIN or hardware token.
  • Amounts ranging from  ₦500,000 to  ₦1,000,000 require hardware tokens only.
  • Transacting requires a GTBank registered phone number.
  • It depends on the phone’s network signal.
  • Money is deducted directly from your GTBank account and tge transaction needs the last four digits of your Naira MasterCard.
  • For transactions above ₦100,000, a one-time indemnity is needed.

Read Also:Polaris USSD Code for Airtime, data and other Banking Transactions

GTBank USSD code for other banking transactions

The GTBank USSD code offers a host of features designed to simplify banking for customers. Among these are also other USSD codes for transactions aside transfer. They include:

  • To check your account balance, BVN & account number, dial *737*6*1# and follow the prompts.
  • Check for Loan balances by dialing *737*6*2#
  • Card status by dialing *737*6*3#
  • To check your cheque book status   dial *737*6*4#
  • The GTBank USSD code also allows customers to link their Bank Verification Number (BVN) to their GTBank accounts. To do this simply dial *737*20*BVN# 
  • To open an account,simply dial *737*0# and follow the onscreen prompts. An account number will be created automatically and sent to you via SMS.
  • For airtime self Top-up, simply dial *737*amount#
  • To Top-up Airtime for a Friend or send airtime to a third, simply dial *737*Amount*Recipient’s number# (e.g. *737*1000*08023456789#)
  • For Self & third (3rd) Party Data Top-up, dial *737*4# on your phone and follow the on-screen prompt.
  • To request an airtime loan, simply dial *737*8*1#, follow the prompt and authenticate with the last 4 digits of your GTBank Naira MasterCard
  • You can now generate an OTP using *737*7# to make a quick transaction on-the-go without your banking token.
  • Users can easily pay their subscriptions from anywhere by simply dialing *737*37*Amount*Decoder Number#
  • To enable/disable account balance on GeNS, dial *737*51*1#

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Security Measures 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.


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 are the benefits of using GTBank 737 USSD banking?

-You can perform transactions anytime, anywhere, without needing an internet connection.
-Transactions require your 737 PIN or other secure authentication methods.
-It works on all mobile phone types

How do I get started with GTBank *737 USSD Banking?

-Dial *737# on your mobile phone.
-You may be prompted to create a 4-digit PIN if you haven’t already.

What are the GTBank USSD codes for transfers?

-To transfer to GTBank Account: Dial *737*1*Amount*NUBAN Account Number#
-To transfer to Other Banks: Dial *737*2*Amount*NUBAN Account Number#

What are some other useful GTBank USSD Banking codes?

-Airtime Top-Up (Self): Dial *737*Amount#
-Airtime Top-Up (Others): Dial *737*Amount*Phone Number#
-Check Account Balance: Dial *737*6*1#

Where can I find a complete list of GTBank USSD codes?

You can find a comprehensive list of GTBank’s *737 USSD codes and their functionalities on the GTBank website [GTBank 737 Short Codes].

Does GTBank offer any resources to help me learn more about 737 USSD Banking?

Yes, GTBank offers helpful video tutorials demonstrating how to use various 737 USSD banking features [GTBank Help Videos].

How secure is GTBank 737 USSD Banking?

Transactions require your 737 PIN or other secure authentication methods. However, it’s important to remember:
-Never share your 737 PIN or other banking credentials with anyone.
-Be cautious of phishing attempts. GTBank will never ask you for your PIN or other sensitive information via SMS or phone calls.


The GTBank USSD code has transformed banking in Nigeria, providing customers with convenience, accessibility, and security. 

Through its user-friendly interface and robust features, GTBank has redefined the banking experience, empowering customers to manage their finances with ease and confidence. 

GTBank remains committed to innovation, driving progress in the financial sector and enriching the lives of millions of Nigerians.

With the *737# code, GTBank has not only simplified banking but also set a new standard for excellence in customer service and technological innovation. 


  • 737.gtbank – Complete list of Bank737 features, benefits and how to use them
  • gtbank – Help Videos


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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: 90

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