Moniepoint USSD Codes in Nigeria (2026 Guide)
Moniepoint has become one of Nigeria’s most widely used digital banking platforms, serving millions of individuals, businesses, and POS agents across the country. While the Moniepoint app offers numerous banking features, not everyone always has access to mobile data or a stable internet connection.
To solve this problem, Moniepoint introduced its USSD banking service, allowing customers to perform essential banking transactions directly from their phones. Whether you want to transfer money, check your account balance, buy airtime, purchase data, retrieve an OTP, or block your account, you can do it using a simple USSD code.
This guide covers all Moniepoint USSD codes available in Nigeria in 2026 and explains how to activate and use them.
What Is the Moniepoint USSD Code?
The official Moniepoint USSD code is:
*5573#
This code gives you access to Moniepoint’s offline banking services without requiring an internet connection. It works on MTN, Airtel, Glo, and 9mobile lines linked to your Moniepoint account.
Moniepoint USSD Codes List (2026)
| Service | USSD Code |
|---|---|
| Main Moniepoint Menu | *5573# |
| Check Account Balance | 55735# |
| Transfer to Moniepoint Account | 55731AmountAccountNumber# |
| Transfer to Other Banks | 55732AmountAccountNumber# |
| Buy Airtime for Yourself | 5573Amount# |
| Buy Airtime for Others | 5573Amount*PhoneNumber# |
| Buy Data | 55734# |
| Change PIN | 55736# |
| Forgot PIN | 55737# |
| Retrieve OTP | 557373*Code# |
| Retrieve Username | 557373*1# |
| Verify Phone Number | 557374*Code# |
| Activate Account | 557399*Code# |
| Activate Card | 5573111# |
| Block Account | 5573911# |
| Block ATM Card | 5573911# |
How to Activate Moniepoint USSD Banking
Before using Moniepoint USSD banking, you must enable the feature from your Moniepoint app.
Step 1
Open the Moniepoint Personal Banking or Business Banking app.
Step 2
Log in to your account.
Step 3
Tap your profile icon.
Step 4
Go to Settings.
Step 5
Locate USSD Banking.
Step 6
Turn on the USSD feature.
Step 7
Authorize the activation using your transaction PIN.
Once activated, you can begin using *5573# for offline banking.
How to Check Moniepoint Account Balance
To check your account balance:
Dial *5573*5#
You may be required to enter your PIN before your balance is displayed on your screen.
How to Transfer Money to Another Moniepoint Account
To send money to another Moniepoint user:
Dial *55731Amount*AccountNumber#
Example:
*557315000*1234567890#
Confirm the recipient details and enter your PIN to complete the transfer.
How to Transfer Money to Other Banks
To transfer funds from your Moniepoint account to another Nigerian bank:
Dial *55732Amount*AccountNumber#
Example:
*5573210000*0123456789#
Follow the prompts and authorize the transaction with your PIN.
How to Buy Airtime on Moniepoint
For Yourself
Dial:
*5573*Amount#
Example:
*5573*1000#
This instantly purchases ₦1,000 airtime from your Moniepoint account.
For Another Person
Dial:
*5573AmountPhoneNumber#
Example:
*557350008012345678#
The airtime will be sent directly to the recipient’s phone number.
How to Buy Data on Moniepoint
To purchase data bundles:
Dial *5573*4#
Follow the menu prompts to:
- Select a network.
- Choose a data plan.
- Enter the phone number.
- Confirm payment.
How to Change Your Moniepoint PIN
If you want to update your transaction PIN:
Dial *5573*6#
Follow the instructions to create a new secure PIN.
How to Retrieve a Forgotten PIN
If you’ve forgotten your PIN:
Dial *5573*7#
Follow the verification process to reset your PIN securely.
How to Block Your Moniepoint Account
If your phone is lost or stolen, immediately secure your account.
Dial:
*5573*911#
Select:
Stop Debit Transactions
You can block your account from any phone, even if it isn’t the number linked to your Moniepoint account. This helps prevent unauthorized access to your funds.
How to Unblock Your Moniepoint Account
After recovering your phone or resolving the issue:
- Dial *5573*911#
- Select Resume Debit Transactions
- Verify your details.
- Enter your PIN.
Your account will be reactivated after successful verification.
Moniepoint USSD Transaction Limits
Moniepoint currently applies the following USSD limits:
| Transaction Type | Limit |
|---|---|
| Single Transfer | ₦20,000 |
| Daily Transfer Limit | ₦100,000 |
| Airtime Purchase Limit | ₦10,000 |
| Daily Airtime Limit | ₦10,000 |
| Data Purchase Limit | ₦10,000 Daily |
Moniepoint USSD Charges
Moniepoint charges a small USSD fee on some successful transactions.
The company currently applies a ₦10 fee per successful USSD session for services such as:
- Transfers
- Airtime purchases
- Data purchases
- Balance inquiries
- PIN changes
However, emergency services such as account blocking and account activation remain free.
Benefits of Moniepoint USSD Banking
Using Moniepoint USSD banking offers several advantages:
No Internet Required
You can complete transactions without mobile data or Wi-Fi.
Works on Any Phone
The service works on smartphones and basic feature phones.
Fast Transactions
Transfers, airtime purchases, and balance checks are completed within seconds.
Available 24/7
You can access your account anytime, regardless of your location.
Frequently Asked Questions
What is the Moniepoint USSD code in Nigeria?
The official Moniepoint USSD code is *5573#.
How do I check my Moniepoint account balance?
Dial *5573*5# and follow the prompts.
Can I transfer money using Moniepoint USSD?
Yes. You can transfer money to Moniepoint accounts and other Nigerian banks using the appropriate transfer codes.
How do I block my Moniepoint account?
Dial *5573*911# and select Stop Debit Transactions.
Do I need internet to use Moniepoint USSD?
No. Moniepoint USSD banking works completely offline.
Conclusion
Moniepoint’s *5573# USSD service makes banking easy even when you don’t have internet access. From checking your balance and transferring money to buying airtime, purchasing data, retrieving OTPs, and blocking your account, nearly every essential banking task can be completed directly from your phone.
As long as your USSD banking feature is activated and you’re using the phone number linked to your account, you can enjoy fast, secure, and convenient banking services anywhere in Nigeria.
