The primary Moniepoint USSD code is *389#, which gives you access to a variety of banking and payment services directly from your phone without the internet. After dialing *389#, you can navigate the on-screen menu to perform different actions or use shortcut codes for specific tasks. For example, use *389*1# to send money, *389*2*Amount# to buy airtime for yourself, or *389*7# to block your account in case of emergencies.
Popular Moniepoint USSD Codes and Their Functions
| Service | USSD Code |
|---|---|
| Access Main Menu | *389# |
| Check Wallet Balance | 3890# |
| Send Money to Another Moniepoint User | 3891AmountPhoneNumber# |
| Transfer to Bank Account | 3892AmountAccountNumber# |
| Buy Airtime for Yourself | 3893*Amount# |
| Buy Airtime for Others | 3894AmountPhoneNumber# |
| Purchase Data | 3895*PhoneNumber# |
| Pay Utility Bills | 3896# |
| Block Your Moniepoint Account | 3897# |
These codes allow quick management of your Moniepoint wallet without internet. Always ensure you dial from your registered phone number and keep your PIN secure.
About Moniepoint
Moniepoint is one of Nigeria’s leading digital finance and payment solutions platforms. It offers fast transfers, airtime and data purchases, utility bill payments, and agent-based withdrawals. While the Moniepoint app is widely used, USSD codes remain a reliable alternative, especially where internet access is limited or during network outages.
This guide covers all Moniepoint USSD codes, how to use them, activate USSD banking, common errors and solutions, fees, security tips, and everything needed for seamless offline transactions.
What Is Moniepoint USSD?
Moniepoint USSD is a mobile banking service that lets users perform financial transactions without an internet connection by dialing short codes.
USSD banking is ideal when you:
- Have slow or no data connection
- Need urgent transfers
- Want a quick recharge
- Cannot access the Moniepoint app
- Are using a basic feature phone
USSD is fast, secure, and works with any Nigerian SIM.
Main Moniepoint USSD Code in Nigeria (2026)
The main Moniepoint USSD code is *389#.
After dialing, you can access Moniepoint’s full USSD menu, including transfers, airtime purchases, withdrawals, and bill payments.
Most used Moniepoint USSD codes:
- *389# — Main USSD menu
- *389*1*Amount*PhoneNumber# — Send money to another Moniepoint user
- *389*2*Amount*AccountNumber# — Transfer to bank account
- *389*3*Amount# — Buy airtime for yourself
- *389*4*Amount*PhoneNumber# — Buy airtime for others
- *389*5*PhoneNumber# — Purchase data bundles
- *389*6# — Pay utility bills
- *389*0# — Customer support
- *389*7# — Block account
These codes cover almost every major action available on the Moniepoint app.
How to Activate Moniepoint USSD Banking
To use Moniepoint USSD:
- Have an active Moniepoint account
- Use the same phone number linked to your Moniepoint account
- Ensure a strong network signal
- Dial *389# and follow the on-screen menu
- Set up your 4-digit USSD PIN if prompted
Once activated, you can carry out all USSD transactions anytime.
Full Breakdown of Moniepoint USSD Codes and Their Uses
1. Moniepoint Code for Transfers
To transfer money to another Moniepoint account or bank:
- Dial *389*1# or *389*2*Amount*AccountNumber#
- Enter recipient details and amount
- Confirm with your PIN
Works with all Nigerian banks, including GTBank, Zenith, Access, First Bank, UBA, and Wema.
2. Moniepoint Code for Airtime
For Self:
- Dial *389*3*Amount#
- Example: *389*3*200# to recharge ₦200
For Others:
- Dial *389*4*Amount*PhoneNumber#
- Example: *389*4*500*08012345678#
Recharge is instant
3. Moniepoint Code for Account Balance
- Dial *389*0# to view wallet balance
- Enter your PIN if prompted
4. Moniepoint Code for Utility or Bill Payments
- Dial *389*6#
- Pay for:
- Electricity (PHCN/DISCO)
- Cable TV subscriptions (DSTV, GOTV, Startimes)
- Education fees
- Data bundles
5. Code to Block Moniepoint Account
If your phone is stolen or you suspect fraud:
- Dial *389*7#
- This freezes your account immediately for security
Why Moniepoint USSD Is Popular
Moniepoint USSD is widely used because:
- Works without internet
- Fast and reliable
- Compatible with all major networks (MTN, Airtel, Glo, 9Mobile)
- Free to dial (network USSD charges may apply)
- Secure with PIN protection
- Works on basic feature phones
Millions of Nigerians rely on Moniepoint USSD daily for transfers, airtime, and withdrawals.
How to Set or Reset Your Moniepoint USSD PIN
First-time setup:
- Dial *389#
- Choose “Create PIN”
- Enter 4-digit PIN
- Confirm
Resetting PIN:
- Dial *389#
- Select “Forgot PIN”
- Confirm via OTP sent to your phone
- Set a new PIN
Always keep your PIN private.
Moniepoint USSD and Transaction Charges
- Dialing *389# is free
- Network providers may charge a small USSD fee (₦6–₦7 per session)
- Moniepoint does not charge for:
- Airtime purchase
- Balance check
- Transfers to Moniepoint wallets
Bank transfers may attract small fees depending on the volume.
Common Moniepoint USSD Errors and How to Fix Them
- “Code not working” – Use your registered SIM, check network, or wait for maintenance to end
- “Insufficient balance” – Ensure wallet has enough funds
- “Invalid PIN” – Reset via *389#
- “Service timeout” – Retry in a network-strong area
- “Transaction declined” – Confirm account details and retry
How to Use Moniepoint USSD Without the App
If your app is down or you lost your phone:
- Dial *389# from your linked number
- Available functions:
- Check balance
- Send money
- Buy airtime and data
- Withdraw at POS
- Pay bills
- Block account
USSD is a reliable backup to the app.
Is Moniepoint USSD Safe?
Yes — USSD is secured with:
- 4-digit PIN
- SIM verification
- Fraud detection and freeze code
Safety tips:
- Never share your PIN
- Do not allow strangers to dial USSD on your phone
- Block your account immediately if the phone is lost
- Use your registered SIM only
Benefits of Using Moniepoint USSD
- Works offline
- Fast transactions
- No reliance on the app
- Works during outages
- Compatible with any phone
- Useful for emergencies
- Works in rural areas
Limitations of Moniepoint USSD
- Some advanced features require the app
- Network USSD fees may apply
- Transactions may timeout during peak hours
- Cannot perform complex operations like savings or loans
Still, USSD handles the majority of essential functions.
Frequently Asked Questions (FAQs)
- What is the main Moniepoint USSD code?
- *389#
- Why is my Moniepoint USSD not working?
- Likely due to wrong SIM, network issues, or maintenance
- How do I check my balance?
- Dial 3890#
- Can I transfer money without the app?
- Yes, dial 3891# or 3892AmountAccountNumber#
- How do I block my account if my phone is stolen?
- Dial 3897#
- Does USSD work on all networks?
- Yes — MTN, Airtel, Glo, 9Mobile
- Is USSD free?
- Dialing is free; network charges may apply
Conclusion
Moniepoint USSD codes make offline banking and instant payments simple for millions of Nigerians. With the main code *389#, you can send money, recharge airtime, check balance, pay bills, and block your account — all without internet.
Whether you are in an area with poor network, using a basic phone, or your app isn’t working, Moniepoint USSD is a fast and reliable way to manage finances securely.
