GTBank, now known as GTCO (Guaranty Trust Holding Company), is one of Nigeria’s top banks. They offer a simple way to bank using your phone with USSD codes — no internet needed.
This guide will help you understand how to use *GTBank’s USSD code (737#) to send money, check your balance, buy airtime, pay bills, and more.
What is GTBank USSD Banking?
GTBank USSD banking lets you do transactions on any mobile phone (MTN, Glo, Airtel, or 9mobile) by dialing short codes.
*With GTBank USSD (737#), you can:
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Send money to any bank
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Buy airtime for yourself or others
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Pay bills (like DSTV, electricity)
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Check your balance
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Apply for loans
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Withdraw cash without your ATM card
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Get mini account statements
How to Register for GTBank USSD
Method 1: With Your Phone
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Dial
*737#from the number linked to your GTBank account -
Choose “Create PIN”
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Enter your GTBank account number
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Create a 5-digit PIN
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Confirm your PIN to complete registration
Method 2: Using GTWorld App
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Download GTWorld from Play Store or App Store
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Log in and go to USSD Services
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Follow the steps to activate
Method 3: At the Bank
Visit any GTBank branch with:
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Your BVN
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A valid ID card
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Your registered phone number
List of GTBank USSD Codes
| Code | What It Does |
|---|---|
*737# |
Opens the main menu |
*737*0# or *737*00# |
Check account balance |
*737*1*Amount*Account# |
Send money to GTBank account |
*737*2*Amount*Account# |
Send money to other banks |
*737*3*Amount# |
Buy airtime for yourself |
*737*4*Amount*Phone# |
Buy airtime for someone else |
*737*5# |
Pay bills |
*737*6# |
Apply for a loan (Quick Credit) |
*737*7*Amount# |
Cardless ATM withdrawal |
*737*8# |
Mini statement (last 5 transactions) |
*737*911# |
Block account (emergency) |
How to Send Money with GTBank USSD
To GTBank Account
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Dial
*737*1*Amount*Account#
e.g.,*737*15000*1234567890# -
Confirm with your 5-digit PIN
To Other Banks
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Dial
*737*2*Amount*Account#
e.g.,*737*20000*9876543210# -
Choose the bank
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Enter your PIN to confirm
Check Your Account Balance
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Dial
*737*0#or*737*00# -
Enter your 5-digit PIN
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Your balance will show on the screen
Buy Airtime & Pay Bills
Buy Airtime for Yourself
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Dial
*737*3*Amount#
Example:*737*3*500#for ₦500
Buy Airtime for Others
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Dial
*737*4*Amount*Phone#
Example:*737*4*1000*08012345678#
Pay Bills
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Dial
*737*5# -
Choose the type of bill (electricity, DSTV, etc.)
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Enter your details and PIN to complete payment
Get Mini Statement
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Dial
*737*8# -
Enter your PIN
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See your last 5 transactions
Withdraw Cash Without ATM Card
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Dial
*737*7*Amount#
e.g.,*737*7*20000# -
Choose ATM withdrawal
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Receive a code to use at the ATM without your card
Security Tips
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Never share your USSD PIN
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Don’t use public phones for USSD banking
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Watch out for fake messages or scams
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Dial
*737*911#immediately if your phone is stolen or hacked
Common Issues and Fixes
| Problem | What to Do |
|---|---|
| Transaction Failed | Check your balance, network, or recipient details |
| Invalid PIN | Make sure it’s correct; reset via *737# if needed |
| USSD Not Responding | Check your network signal; dial again later |
📞 GTBank Support Line: 0700 482 6633
FAQs
Q: Is GTBank USSD banking free?
A: No, each transaction may cost around ₦6.98.
Q: What’s the daily transfer limit?
A: Up to ₦1,000,000 (lower for new users).
Q: Can I use GTBank USSD outside Nigeria?
A: No, it works only within Nigeria.
Q: How do I change my PIN?
A: Dial *737# → Select “Change PIN” → Follow instructions
Q: Can I repay a loan using USSD?
A: Yes, dial *737*6# and follow the steps.
Final Words
GTBank’s *USSD code (737#) makes banking fast, easy, and available to everyone — even without internet or a smartphone. You can send money, buy airtime, pay bills, apply for loans, and more from any phone.
✅ Dial *737# now to get started with GTBank mobile banking!
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