The primary GTBank USSD code is *737#, which allows customers to perform banking transactions directly from their phones without internet access. By dialing *737#, you can transfer money, buy airtime, check account balance, pay bills, and manage your GTBank account quickly and securely.
For example, dial *737*1# to send money, *737*Amount# to buy airtime for yourself, or navigate the on-screen menu after dialing *737# for other banking services.
GTBank USSD works on all mobile phones and networks across Nigeria, making it ideal for offline banking.
Popular GTBank USSD Codes and Their Functions
| Service | USSD Code |
|---|---|
| Access Main Menu | *737# |
| Check Account Balance | 7370# |
| Transfer to GTBank | 7371AmountAccountNumber# |
| Transfer to Other Banks | 7371AmountAccountNumber# |
| Buy Airtime for Self | 7372*Amount# |
| Buy Airtime for Others | 7372AmountPhoneNumber# |
| Pay Bills | *737# → Pay Bills |
| Open GTBank Account | *737# → Open Account |
| Block Account / Card | *737# → Security Options |
These codes allow quick banking without internet. Always use your registered phone number and protect your USSD PIN.
About GTBank
Guaranty Trust Bank (GTBank) is one of Nigeria’s leading financial institutions, offering personal, corporate, and digital banking services. Its products include savings and current accounts, transfers, loans, bill payments, mobile banking, and fintech solutions.
While the GTBank Mobile App provides advanced features, *GTBank USSD (737#) remains a reliable solution for offline banking and essential transactions.
What Is GTBank USSD?
GTBank USSD is a mobile banking service that lets customers perform transactions using short codes on any phone, without internet access.
USSD banking is useful when you:
- Have poor or no internet
- Need urgent money transfer
- Want quick airtime recharge
- Cannot access the GTBank app
- Use a basic feature phone
USSD is fast, secure, and works on all Nigerian SIM cards.
Main GTBank USSD Code in Nigeria (2026)
The official GTBank USSD code is:
*737#
After dialing *737#, you can access the full GTBank USSD menu for transfers, balance checks, airtime purchases, bill payments, and account security.
Most used GTBank USSD codes:
- *737# — Main menu
- 7370# — Check account balance
- 7371AmountAccountNumber# — Transfer money
- 7372*Amount# — Buy airtime for self
- 7372AmountPhoneNumber# — Buy airtime for others
- *737# → Pay Bills — Utility payments
- *737# → Open Account — New GTBank account
- *737# → Security Options — Block account
How to Activate GTBank USSD Banking
To use GTBank USSD:
- Have an active GTBank account
- Use the phone number linked to your account
- Ensure good network signal
- Dial *737#
- Create a 4-digit USSD PIN when prompted
Once activated, USSD banking is available 24/7 without internet.
Full Breakdown of GTBank USSD Codes and Their Uses
1. GTBank Code for Transfers
To send money:
- Dial 7371AmountAccountNumber#
- Select GTBank or another bank
- Confirm recipient details
- Enter your PIN
Transfers work with all Nigerian banks including Zenith, First Bank, UBA, FCMB, Fidelity, Polaris, Union, Wema, Sterling, Providus, and Access.
2. GTBank Code for Airtime
For Self:
Dial 7372*Amount#
Example: 737200# to recharge ₦200
For Others:
Dial 7372AmountPhoneNumber#
Example: 737500*08012345678#
Recharge is instant.
3. GTBank Code for Account Balance
To check balance:
Dial *737*0#
Enter your PIN if prompted.
4. GTBank Code for Utility or Bill Payments
Dial *737# and select Pay Bills to pay for:
- Electricity (DISCOs)
- DSTV, GOTV, Startimes
- Mobile data subscriptions
- Internet services
- Other supported billers
Follow prompts to complete the payment.
5. Code to Block GTBank Account
If your phone is lost or stolen:
- Dial *737#
- Select Security / Block Account
This immediately secures your account.
Why GTBank USSD Is Popular
GTBank USSD is widely used because it:
- Works offline without internet
- Fast and reliable
- Supports MTN, Airtel, Glo, and 9Mobile
- Works on all phones
- Protected with PIN security
- Available 24/7
How to Set or Reset Your GTBank USSD PIN
First-time setup:
- Dial *737#
- Select Create PIN
- Enter 4-digit PIN
- Confirm
Reset PIN:
- Dial *737#
- Select Forgot PIN
- Verify via OTP
- Set a new PIN
Never share your PIN.
GTBank USSD and Transaction Charges
- Dialing *737# is free
- Network providers may charge ₦6–₦7 per session
- Bank transfer fees apply depending on volume and recipient bank
- Airtime and bill payments usually have no extra fees
Common GTBank USSD Errors and How to Fix Them
- USSD not working: Check network, use registered SIM
- Incorrect PIN: Reset via *737#
- Insufficient balance: Fund account and retry
- Session timeout: Retry in stronger network area
- Transaction failed: Confirm details and retry
How to Use GTBank USSD Without the App
If the GTBank app is unavailable:
- Dial *737# from your registered number
- You can still:
- Check balance
- Send money
- Buy airtime
- Pay bills
- Block account
USSD serves as a reliable backup.
Is GTBank USSD Safe?
Yes — protected with:
- 4-digit PIN
- SIM-based verification
- Instant block code (*737# → Security Options)
Safety tips:
- Never share your PIN
- Block your account immediately if phone is lost
- Use only your registered SIM
Benefits of Using GTBank USSD
- Works offline
- Fast transactions
- No app required
- Works on any phone
- Useful in emergencies
- Ideal for rural areas and low-data locations
Limitations of GTBank USSD
- Advanced services require the app
- Network charges may apply
- Sessions may timeout during peak hours
- Cannot access loans or investments
Frequently Asked Questions (FAQs)
What is the main GTBank USSD code?
*737#
Why is my GTBank USSD not working?
Network issues, wrong SIM, or maintenance
How do I check my GTBank balance?
Dial 7370#
Can I transfer money without the app?
Yes — dial 7371AmountAccountNumber#
How do I block my account if my phone is stolen?
Dial *737# → Security Options
Does GTBank USSD work on all networks?
Yes — MTN, Airtel, Glo, and 9Mobile
Is GTBank USSD free?
Dialing is free; network charges may apply
Conclusion
GTBank USSD codes make offline banking fast, simple, and secure. With *737#, you can transfer money, buy airtime, check balances, pay bills, and protect your account — all without internet.
Whether using a basic phone, in low-network areas, or if the app is unavailable, GTBank USSD remains a reliable solution in Nigeria (2026).
