{"id":1292,"date":"2025-12-09T16:18:14","date_gmt":"2025-12-09T16:18:14","guid":{"rendered":"https:\/\/blog.ricki.app\/?p=1292"},"modified":"2025-12-09T16:54:52","modified_gmt":"2025-12-09T16:54:52","slug":"moniepoint-ussd-codes","status":"publish","type":"post","link":"https:\/\/blog.ricki.app\/moniepoint-ussd-codes","title":{"rendered":"Moniepoint USSD Codes in Nigeria (2026 Guide)"},"content":{"rendered":"\n

The primary Moniepoint USSD code is *389#<\/strong>, which gives you access to a variety of banking and payment services directly from your phone without the internet. After dialing *389#<\/strong>, you can navigate the on-screen menu to perform different actions or use shortcut codes for specific tasks. For example, use *389*1#<\/strong> to send money, *389*2*Amount#<\/strong> to buy airtime for yourself, or *389*7#<\/strong> to block your account in case of emergencies.<\/p>\n\n\n\n

Popular Moniepoint USSD Codes and Their Functions<\/h2>\n\n\n\n
Service<\/th>USSD Code<\/th><\/tr><\/thead>
Access Main Menu<\/td>*389#<\/td><\/tr>
Check Wallet Balance<\/td>389<\/em>0#<\/td><\/tr>
Send Money to Another Moniepoint User<\/td>389<\/em>1Amount<\/em>PhoneNumber#<\/td><\/tr>
Transfer to Bank Account<\/td>389<\/em>2Amount<\/em>AccountNumber#<\/td><\/tr>
Buy Airtime for Yourself<\/td>389<\/em>3*Amount#<\/td><\/tr>
Buy Airtime for Others<\/td>389<\/em>4Amount<\/em>PhoneNumber#<\/td><\/tr>
Purchase Data<\/td>389<\/em>5*PhoneNumber#<\/td><\/tr>
Pay Utility Bills<\/td>389<\/em>6#<\/td><\/tr>
Block Your Moniepoint Account<\/td>389<\/em>7#<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

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.<\/p>\n\n\n\n

About Moniepoint<\/h2>\n\n\n\n

Moniepoint is one of Nigeria\u2019s 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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

What Is Moniepoint USSD?<\/h2>\n\n\n\n

Moniepoint USSD is a mobile banking service that lets users perform financial transactions without an internet connection by dialing short codes.<\/p>\n\n\n\n

USSD banking is ideal when you:<\/p>\n\n\n\n

    \n
  • Have slow or no data connection<\/li>\n\n\n\n
  • Need urgent transfers<\/li>\n\n\n\n
  • Want a quick recharge<\/li>\n\n\n\n
  • Cannot access the Moniepoint app<\/li>\n\n\n\n
  • Are using a basic feature phone<\/li>\n<\/ul>\n\n\n\n

    USSD is fast, secure, and works with any Nigerian SIM.<\/p>\n\n\n\n

    Main Moniepoint USSD Code in Nigeria (2026)<\/h2>\n\n\n\n

    The main Moniepoint USSD code is *389#<\/strong>.<\/p>\n\n\n\n

    After dialing, you can access Moniepoint\u2019s full USSD menu, including transfers, airtime purchases, withdrawals, and bill payments.<\/p>\n\n\n\n

    Most used Moniepoint USSD codes:<\/p>\n\n\n\n

      \n
    • *389#<\/strong> \u2014 Main USSD menu<\/li>\n\n\n\n
    • *389*1*Amount*PhoneNumber#<\/strong> \u2014 Send money to another Moniepoint user<\/li>\n\n\n\n
    • *389*2*Amount*AccountNumber#<\/strong> \u2014 Transfer to bank account<\/li>\n\n\n\n
    • *389*3*Amount#<\/strong> \u2014 Buy airtime for yourself<\/li>\n\n\n\n
    • *389*4*Amount*PhoneNumber#<\/strong> \u2014 Buy airtime for others<\/li>\n\n\n\n
    • *389*5*PhoneNumber#<\/strong> \u2014 Purchase data bundles<\/li>\n\n\n\n
    • *389*6#<\/strong> \u2014 Pay utility bills<\/li>\n\n\n\n
    • *389*0#<\/strong> \u2014 Customer support<\/li>\n\n\n\n
    • *389*7#<\/strong> \u2014 Block account<\/li>\n<\/ul>\n\n\n\n

      These codes cover almost every major action available on the Moniepoint app.<\/p>\n\n\n\n

      How to Activate Moniepoint USSD Banking<\/h2>\n\n\n\n

      To use Moniepoint USSD:<\/p>\n\n\n\n

        \n
      1. Have an active Moniepoint account<\/li>\n\n\n\n
      2. Use the same phone number linked to your Moniepoint account<\/li>\n\n\n\n
      3. Ensure a strong network signal<\/li>\n\n\n\n
      4. Dial *389#<\/strong> and follow the on-screen menu<\/li>\n\n\n\n
      5. Set up your 4-digit USSD PIN if prompted<\/li>\n<\/ol>\n\n\n\n

        Once activated, you can carry out all USSD transactions anytime.<\/p>\n\n\n\n

        Full Breakdown of Moniepoint USSD Codes and Their Uses<\/h2>\n\n\n\n

        1. Moniepoint Code for Transfers<\/h3>\n\n\n\n

        To transfer money to another Moniepoint account or bank:<\/p>\n\n\n\n

          \n
        1. Dial *389*1#<\/strong> or *389*2*Amount*AccountNumber#<\/strong><\/li>\n\n\n\n
        2. Enter recipient details and amount<\/li>\n\n\n\n
        3. Confirm with your PIN<\/li>\n<\/ol>\n\n\n\n

          Works with all Nigerian banks, including GTBank, Zenith, Access, First Bank, UBA, and Wema.<\/p>\n\n\n\n

          2. Moniepoint Code for Airtime<\/h3>\n\n\n\n

          For Self:<\/strong><\/p>\n\n\n\n

            \n
          • Dial *389*3*Amount#<\/strong><\/li>\n\n\n\n
          • Example: *389*3*200#<\/strong> to recharge \u20a6200<\/li>\n<\/ul>\n\n\n\n

            For Others:<\/strong><\/p>\n\n\n\n

              \n
            • Dial *389*4*Amount*PhoneNumber#<\/strong><\/li>\n\n\n\n
            • Example: *389*4*500*08012345678#<\/strong><\/li>\n<\/ul>\n\n\n\n

              Recharge is instant<\/p>\n\n\n\n

              3. Moniepoint Code for Account Balance<\/h3>\n\n\n\n
                \n
              • Dial *389*0#<\/strong> to view wallet balance<\/li>\n\n\n\n
              • Enter your PIN if prompted<\/li>\n<\/ul>\n\n\n\n

                4. Moniepoint Code for Utility or Bill Payments<\/h3>\n\n\n\n
                  \n
                • Dial *389*6#<\/strong><\/li>\n\n\n\n
                • Pay for:\n
                    \n
                  • Electricity (PHCN\/DISCO)<\/li>\n\n\n\n
                  • Cable TV subscriptions (DSTV, GOTV, Startimes)<\/li>\n\n\n\n
                  • Education fees<\/li>\n\n\n\n
                  • Data bundles<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

                    5. Code to Block Moniepoint Account<\/h3>\n\n\n\n

                    If your phone is stolen or you suspect fraud:<\/p>\n\n\n\n

                      \n
                    • Dial *389*7#<\/strong><\/li>\n\n\n\n
                    • This freezes your account immediately for security<\/li>\n<\/ul>\n\n\n\n

                      Why Moniepoint USSD Is Popular<\/h2>\n\n\n\n

                      Moniepoint USSD is widely used because:<\/p>\n\n\n\n

                        \n
                      • Works without internet<\/li>\n\n\n\n
                      • Fast and reliable<\/li>\n\n\n\n
                      • Compatible with all major networks (MTN, Airtel, Glo, 9Mobile)<\/li>\n\n\n\n
                      • Free to dial (network USSD charges may apply)<\/li>\n\n\n\n
                      • Secure with PIN protection<\/li>\n\n\n\n
                      • Works on basic feature phones<\/li>\n<\/ul>\n\n\n\n

                        Millions of Nigerians rely on Moniepoint USSD daily for transfers, airtime, and withdrawals.<\/p>\n\n\n\n

                        How to Set or Reset Your Moniepoint USSD PIN<\/h2>\n\n\n\n

                        First-time setup:<\/strong><\/p>\n\n\n\n

                          \n
                        1. Dial *389#<\/strong><\/li>\n\n\n\n
                        2. Choose \u201cCreate PIN\u201d<\/li>\n\n\n\n
                        3. Enter 4-digit PIN<\/li>\n\n\n\n
                        4. Confirm<\/li>\n<\/ol>\n\n\n\n

                          Resetting PIN:<\/strong><\/p>\n\n\n\n

                            \n
                          1. Dial *389#<\/strong><\/li>\n\n\n\n
                          2. Select \u201cForgot PIN\u201d<\/li>\n\n\n\n
                          3. Confirm via OTP sent to your phone<\/li>\n\n\n\n
                          4. Set a new PIN<\/li>\n<\/ol>\n\n\n\n

                            Always keep your PIN private.<\/p>\n\n\n\n

                            Moniepoint USSD and Transaction Charges<\/h2>\n\n\n\n
                              \n
                            • Dialing *389#<\/strong> is free<\/li>\n\n\n\n
                            • Network providers may charge a small USSD fee (\u20a66\u2013\u20a67 per session)<\/li>\n\n\n\n
                            • Moniepoint does not charge for:\n
                                \n
                              • Airtime purchase<\/li>\n\n\n\n
                              • Balance check<\/li>\n\n\n\n
                              • Transfers to Moniepoint wallets<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

                                Bank transfers may attract small fees depending on the volume.<\/p>\n\n\n\n

                                Common Moniepoint USSD Errors and How to Fix Them<\/h2>\n\n\n\n
                                  \n
                                1. \u201cCode not working\u201d<\/strong> \u2013 Use your registered SIM, check network, or wait for maintenance to end<\/li>\n\n\n\n
                                2. \u201cInsufficient balance\u201d<\/strong> \u2013 Ensure wallet has enough funds<\/li>\n\n\n\n
                                3. \u201cInvalid PIN\u201d<\/strong> \u2013 Reset via *389#<\/strong><\/li>\n\n\n\n
                                4. \u201cService timeout\u201d<\/strong> \u2013 Retry in a network-strong area<\/li>\n\n\n\n
                                5. \u201cTransaction declined\u201d<\/strong> \u2013 Confirm account details and retry<\/li>\n<\/ol>\n\n\n\n

                                  How to Use Moniepoint USSD Without the App<\/h2>\n\n\n\n

                                  If your app is down or you lost your phone:<\/p>\n\n\n\n

                                    \n
                                  • Dial *389#<\/strong> from your linked number<\/li>\n\n\n\n
                                  • Available functions:\n
                                      \n
                                    • Check balance<\/li>\n\n\n\n
                                    • Send money<\/li>\n\n\n\n
                                    • Buy airtime and data<\/li>\n\n\n\n
                                    • Withdraw at POS<\/li>\n\n\n\n
                                    • Pay bills<\/li>\n\n\n\n
                                    • Block account<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

                                      USSD is a reliable backup to the app.<\/p>\n\n\n\n

                                      Is Moniepoint USSD Safe?<\/h2>\n\n\n\n

                                      Yes \u2014 USSD is secured with:<\/p>\n\n\n\n

                                        \n
                                      • 4-digit PIN<\/li>\n\n\n\n
                                      • SIM verification<\/li>\n\n\n\n
                                      • Fraud detection and freeze code<\/li>\n<\/ul>\n\n\n\n

                                        Safety tips:<\/strong><\/p>\n\n\n\n

                                          \n
                                        • Never share your PIN<\/li>\n\n\n\n
                                        • Do not allow strangers to dial USSD on your phone<\/li>\n\n\n\n
                                        • Block your account immediately if the phone is lost<\/li>\n\n\n\n
                                        • Use your registered SIM only<\/li>\n<\/ul>\n\n\n\n

                                          Benefits of Using Moniepoint USSD<\/h2>\n\n\n\n
                                            \n
                                          • Works offline<\/li>\n\n\n\n
                                          • Fast transactions<\/li>\n\n\n\n
                                          • No reliance on the app<\/li>\n\n\n\n
                                          • Works during outages<\/li>\n\n\n\n
                                          • Compatible with any phone<\/li>\n\n\n\n
                                          • Useful for emergencies<\/li>\n\n\n\n
                                          • Works in rural areas<\/li>\n<\/ul>\n\n\n\n

                                            Limitations of Moniepoint USSD<\/h2>\n\n\n\n
                                              \n
                                            • Some advanced features require the app<\/li>\n\n\n\n
                                            • Network USSD fees may apply<\/li>\n\n\n\n
                                            • Transactions may timeout during peak hours<\/li>\n\n\n\n
                                            • Cannot perform complex operations like savings or loans<\/li>\n<\/ul>\n\n\n\n

                                              Still, USSD handles the majority of essential functions.<\/p>\n\n\n\n

                                              Frequently Asked Questions (FAQs)<\/h2>\n\n\n\n
                                                \n
                                              1. What is the main Moniepoint USSD code?<\/strong>\n
                                                  \n
                                                • *389#<\/li>\n<\/ul>\n<\/li>\n\n\n\n
                                                • Why is my Moniepoint USSD not working?<\/strong>\n
                                                    \n
                                                  • Likely due to wrong SIM, network issues, or maintenance<\/li>\n<\/ul>\n<\/li>\n\n\n\n
                                                  • How do I check my balance?<\/strong>\n
                                                      \n
                                                    • Dial 389<\/em>0#<\/li>\n<\/ul>\n<\/li>\n\n\n\n
                                                    • Can I transfer money without the app?<\/strong>\n
                                                        \n
                                                      • Yes, dial 389<\/em>1# or 389<\/em>2Amount<\/em>AccountNumber#<\/li>\n<\/ul>\n<\/li>\n\n\n\n
                                                      • How do I block my account if my phone is stolen?<\/strong>\n
                                                          \n
                                                        • Dial 389<\/em>7#<\/li>\n<\/ul>\n<\/li>\n\n\n\n
                                                        • Does USSD work on all networks?<\/strong>\n
                                                            \n
                                                          • Yes \u2014 MTN, Airtel, Glo, 9Mobile<\/li>\n<\/ul>\n<\/li>\n\n\n\n
                                                          • Is USSD free?<\/strong>\n
                                                              \n
                                                            • Dialing is free; network charges may apply<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n

                                                              Conclusion<\/h2>\n\n\n\n

                                                              Moniepoint USSD codes make offline banking and instant payments simple for millions of Nigerians. With the main code *389#<\/strong>, you can send money, recharge airtime, check balance, pay bills, and block your account \u2014 all without internet.<\/p>\n\n\n\n

                                                              Whether you are in an area with poor network, using a basic phone, or your app isn\u2019t working, Moniepoint USSD is a fast and reliable way to manage finances securely.<\/p>\n\n\n\n

                                                              <\/p>\n","protected":false},"excerpt":{"rendered":"

                                                              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\u2019s 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: 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\u2019s full USSD menu, including transfers, airtime purchases, withdrawals, and bill payments. Most used Moniepoint USSD codes: These codes cover almost every major action available on the Moniepoint app. How to Activate Moniepoint USSD Banking To use Moniepoint USSD: 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: Works with all Nigerian banks, including GTBank, Zenith, Access, First Bank, UBA, and Wema. 2. Moniepoint Code for Airtime For Self: For Others: Recharge is instant 3. Moniepoint Code for Account Balance 4. Moniepoint Code for Utility or Bill Payments 5. Code to Block Moniepoint Account If your phone is stolen or you suspect fraud: Why Moniepoint USSD Is Popular Moniepoint USSD is widely used because: 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: Resetting PIN: Always keep your PIN private. Moniepoint USSD and Transaction Charges Bank transfers may attract small fees depending on the volume. Common Moniepoint USSD Errors and How to Fix Them How to Use Moniepoint USSD Without the App If your app is down or you lost your phone: USSD is a reliable backup to the app. Is Moniepoint USSD Safe? Yes \u2014 USSD is secured with: Safety tips: Benefits of Using Moniepoint USSD Limitations of Moniepoint USSD Still, USSD handles the majority of essential functions. Frequently Asked Questions (FAQs) 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 \u2014 all without internet. Whether you are in an area with poor network, using a basic phone, or your app isn\u2019t working, Moniepoint USSD is a fast and reliable way to manage finances securely.<\/p>\n","protected":false},"author":2,"featured_media":1309,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[20],"tags":[],"class_list":["post-1292","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"\nMoniepoint USSD Codes - Ricki<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ricki.app\/blog\/moniepoint-ussd-codes\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Moniepoint USSD Codes - Ricki\" \/>\n<meta property=\"og:description\" content=\"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\u2019s 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: 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\u2019s full USSD menu, including transfers, airtime purchases, withdrawals, and bill payments. Most used Moniepoint USSD codes: These codes cover almost every major action available on the Moniepoint app. How to Activate Moniepoint USSD Banking To use Moniepoint USSD: 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: Works with all Nigerian banks, including GTBank, Zenith, Access, First Bank, UBA, and Wema. 2. Moniepoint Code for Airtime For Self: For Others: Recharge is instant 3. Moniepoint Code for Account Balance 4. Moniepoint Code for Utility or Bill Payments 5. Code to Block Moniepoint Account If your phone is stolen or you suspect fraud: Why Moniepoint USSD Is Popular Moniepoint USSD is widely used because: 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: Resetting PIN: Always keep your PIN private. Moniepoint USSD and Transaction Charges Bank transfers may attract small fees depending on the volume. Common Moniepoint USSD Errors and How to Fix Them How to Use Moniepoint USSD Without the App If your app is down or you lost your phone: USSD is a reliable backup to the app. Is Moniepoint USSD Safe? Yes \u2014 USSD is secured with: Safety tips: Benefits of Using Moniepoint USSD Limitations of Moniepoint USSD Still, USSD handles the majority of essential functions. Frequently Asked Questions (FAQs) 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 \u2014 all without internet. Whether you are in an area with poor network, using a basic phone, or your app isn\u2019t working, Moniepoint USSD is a fast and reliable way to manage finances securely.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.ricki.app\/moniepoint-ussd-codes\" \/>\n<meta property=\"og:site_name\" content=\"Ricki\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-09T16:18:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-09T16:54:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.ricki.app\/wp-content\/uploads\/2025\/12\/Moniepoint-USSD-Codes.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"adeola\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"adeola\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/blog.ricki.app\/moniepoint-ussd-codes#article\",\"isPartOf\":{\"@id\":\"https:\/\/blog.ricki.app\/moniepoint-ussd-codes\"},\"author\":{\"name\":\"adeola\",\"@id\":\"https:\/\/blog.ricki.app\/#\/schema\/person\/6cfa93cb8e4125f62e1daab8e30f3f7b\"},\"headline\":\"Moniepoint USSD Codes in Nigeria (2026 Guide)\",\"datePublished\":\"2025-12-09T16:18:14+00:00\",\"dateModified\":\"2025-12-09T16:54:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/blog.ricki.app\/moniepoint-ussd-codes\"},\"wordCount\":1051,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/blog.ricki.app\/#organization\"},\"image\":{\"@id\":\"https:\/\/blog.ricki.app\/moniepoint-ussd-codes#primaryimage\"},\"thumbnailUrl\":\"https:\/\/blog.ricki.app\/wp-content\/uploads\/2025\/12\/Moniepoint-USSD-Codes.png\",\"articleSection\":[\"News & Updates\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/blog.ricki.app\/moniepoint-ussd-codes#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/blog.ricki.app\/moniepoint-ussd-codes\",\"url\":\"https:\/\/blog.ricki.app\/moniepoint-ussd-codes\",\"name\":\"Moniepoint USSD Codes - 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Ricki","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.ricki.app\/blog\/moniepoint-ussd-codes","og_locale":"en_US","og_type":"article","og_title":"Moniepoint USSD Codes - Ricki","og_description":"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\u2019s 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: 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\u2019s full USSD menu, including transfers, airtime purchases, withdrawals, and bill payments. Most used Moniepoint USSD codes: These codes cover almost every major action available on the Moniepoint app. How to Activate Moniepoint USSD Banking To use Moniepoint USSD: 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: Works with all Nigerian banks, including GTBank, Zenith, Access, First Bank, UBA, and Wema. 2. Moniepoint Code for Airtime For Self: For Others: Recharge is instant 3. Moniepoint Code for Account Balance 4. Moniepoint Code for Utility or Bill Payments 5. Code to Block Moniepoint Account If your phone is stolen or you suspect fraud: Why Moniepoint USSD Is Popular Moniepoint USSD is widely used because: 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: Resetting PIN: Always keep your PIN private. Moniepoint USSD and Transaction Charges Bank transfers may attract small fees depending on the volume. Common Moniepoint USSD Errors and How to Fix Them How to Use Moniepoint USSD Without the App If your app is down or you lost your phone: USSD is a reliable backup to the app. Is Moniepoint USSD Safe? Yes \u2014 USSD is secured with: Safety tips: Benefits of Using Moniepoint USSD Limitations of Moniepoint USSD Still, USSD handles the majority of essential functions. Frequently Asked Questions (FAQs) 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 \u2014 all without internet. Whether you are in an area with poor network, using a basic phone, or your app isn\u2019t working, Moniepoint USSD is a fast and reliable way to manage finances securely.","og_url":"https:\/\/blog.ricki.app\/moniepoint-ussd-codes","og_site_name":"Ricki","article_published_time":"2025-12-09T16:18:14+00:00","article_modified_time":"2025-12-09T16:54:52+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/blog.ricki.app\/wp-content\/uploads\/2025\/12\/Moniepoint-USSD-Codes.png","type":"image\/png"}],"author":"adeola","twitter_card":"summary_large_image","twitter_misc":{"Written by":"adeola","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blog.ricki.app\/moniepoint-ussd-codes#article","isPartOf":{"@id":"https:\/\/blog.ricki.app\/moniepoint-ussd-codes"},"author":{"name":"adeola","@id":"https:\/\/blog.ricki.app\/#\/schema\/person\/6cfa93cb8e4125f62e1daab8e30f3f7b"},"headline":"Moniepoint USSD Codes in Nigeria (2026 Guide)","datePublished":"2025-12-09T16:18:14+00:00","dateModified":"2025-12-09T16:54:52+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.ricki.app\/moniepoint-ussd-codes"},"wordCount":1051,"commentCount":0,"publisher":{"@id":"https:\/\/blog.ricki.app\/#organization"},"image":{"@id":"https:\/\/blog.ricki.app\/moniepoint-ussd-codes#primaryimage"},"thumbnailUrl":"https:\/\/blog.ricki.app\/wp-content\/uploads\/2025\/12\/Moniepoint-USSD-Codes.png","articleSection":["News & Updates"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/blog.ricki.app\/moniepoint-ussd-codes#respond"]}]},{"@type":"WebPage","@id":"https:\/\/blog.ricki.app\/moniepoint-ussd-codes","url":"https:\/\/blog.ricki.app\/moniepoint-ussd-codes","name":"Moniepoint USSD Codes - 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