GTBank USSD Codes in Nigeria (2026)
GTBank’s USSD banking service allows customers to perform banking transactions directly from their mobile phones without internet access. Whether you want to transfer money, check your account balance, buy airtime, purchase data, pay bills, or manage your account, GTBank’s USSD platform provides a fast and convenient solution.
The official GTBank USSD code is:
*737#
Known as 737 Banking, the service works on MTN, Airtel, Glo, and 9mobile. It is available on both smartphones and basic mobile phones, making banking accessible from virtually anywhere in Nigeria.
What Is GTBank USSD Banking?
GTBank USSD Banking is a mobile banking platform that enables customers to access banking services using simple shortcodes.
With GTBank’s 737 Banking service, customers can:
- Transfer money
- Check account balances
- Buy airtime
- Purchase data
- Pay bills
- Open accounts
- Retrieve account details
- Block accounts and cards
The service is available 24 hours a day and does not require internet access.
Main GTBank USSD Code
The primary GTBank USSD code is:
*737#
Dialing this code opens the main banking menu where customers can access various services.
Complete List of GTBank USSD Codes (2026)
| Service | USSD Code |
|---|---|
| Main Banking Menu | *737# |
| Transfer Money | 7371AmountAccountNumber# |
| Check Account Balance | 7376*1# |
| Airtime for Self | 737Amount# |
| Airtime for Others | 737Amount*PhoneNumber# |
| Buy Data | 7374# |
| Pay Bills | 73750# |
| Open GTBank Account | 7370# |
| Cardless Withdrawal | 7373*Amount# |
| Generate OTP | 7377# |
| Block Account | 73751*74# |
| BVN Check | 5650# |
These are the most commonly used GTBank USSD codes in Nigeria.
How to Register for GTBank USSD Banking
Before using GTBank USSD banking, you need to have an active GTBank account and a phone number linked to the account.
Step 1
Dial:
*737#
Step 2
Follow the on-screen instructions.
Step 3
Create a transaction PIN if prompted.
Step 4
Confirm your registration details.
After activation, you can begin using all available USSD banking services.
How to Check Your GTBank Account Balance
To check your account balance:
Dial:
*73761#
Enter your transaction PIN if required.
Your account balance will be displayed instantly.
This allows customers to monitor their finances without visiting a branch or ATM.
How to Transfer Money Using GTBank USSD
GTBank customers can transfer money to GTBank accounts and other Nigerian banks.
Dial:
*7371Amount*AccountNumber#
For example:
*73715000*0123456789#
Follow the prompts to:
- Confirm recipient details
- Enter your PIN
- Complete the transfer
Transfers are usually processed within seconds.
How to Buy Airtime for Yourself
To recharge your own phone:
Dial:
*737*Amount#
For example:
*737*1000#
This purchases ₦1,000 airtime directly from your GTBank account.
The airtime is credited immediately.
How to Buy Airtime for Another Person
To send airtime to family or friends:
Dial:
*737AmountPhoneNumber#
For example:
*73750008031234567#
The airtime will be delivered instantly to the recipient.
How to Buy Data Using GTBank USSD
GTBank customers can purchase data bundles directly from their accounts.
Dial:
*737*4#
Then:
- Select your network
- Choose a data plan
- Confirm payment
The selected bundle will be activated immediately after successful payment.
How to Pay Bills Using GTBank USSD
GTBank allows customers to pay bills conveniently through USSD.
Dial:
*737*50#
You can pay for:
- Electricity bills
- DSTV subscriptions
- GOtv subscriptions
- Internet services
- Utility bills
- Educational payments
Follow the prompts displayed on your phone to complete the transaction.
How to Open a GTBank Account
New customers can open a GTBank account directly from their phones.
Dial:
*737*0#
Follow the registration instructions and provide the required details.
After successful registration, your account number will be sent to you.
How to Perform Cardless Withdrawals
GTBank supports cardless cash withdrawals.
Dial:
*7373Amount#
For example:
*737310000#
Follow the prompts to generate a withdrawal code.
You can use the code at a GTBank ATM without your debit card.
How to Generate an OTP
To generate a One-Time Password (OTP):
Dial:
*737*7#
The OTP can be used to authorize online transactions and other banking activities.
How to Block Your GTBank Account
If your phone is lost or stolen, secure your account immediately.
Dial:
*7375174#
Follow the prompts to block your account and stop unauthorized transactions.
This service is available around the clock.
How to Check Your BVN
To retrieve your BVN:
Dial:
*565*0#
The BVN linked to your phone number will be displayed on your screen.
A service charge may apply.
Benefits of GTBank USSD Banking
There are many reasons why customers use GTBank’s 737 Banking service.
No Internet Required
Transactions can be completed without mobile data.
Available 24/7
The service works every day, including weekends and public holidays.
Fast Transactions
Most banking activities take only a few seconds.
Works on All Phones
The service supports smartphones and feature phones.
Secure Banking
Transactions are protected with authentication and transaction PINs.
Convenient Access
Customers can bank from virtually anywhere.
Easy Airtime Purchases
Airtime purchases are completed instantly.
Quick Transfers
Funds can be sent to bank accounts across Nigeria quickly.
Common Problems and Solutions
Incorrect PIN
Entering the wrong PIN multiple times may restrict access.
Solution: Contact GTBank customer support.
Insufficient Funds
Transactions may fail if your balance is too low.
Solution: Fund your account and try again.
Poor Network Signal
Weak network coverage may interrupt USSD sessions.
Solution: Move to a location with better signal strength.
Session Timeout
USSD sessions may expire after a short period.
Solution: Redial the code and complete the process promptly.
Unregistered Phone Number
The service works best on the number linked to your GTBank account.
Solution: Update your details through GTBank if necessary.
Frequently Asked Questions (FAQs)
What is the GTBank USSD code?
The official GTBank USSD code is *737#.
How do I check my GTBank account balance?
Dial *73761# and follow the prompts.
How do I transfer money using GTBank USSD?
Dial *7371Amount*AccountNumber# and complete the transaction.
How do I buy airtime from my GTBank account?
Dial *737*Amount#.
How do I buy airtime for another person?
Dial *737AmountPhoneNumber#.
How do I buy data using GTBank USSD?
Dial *737*4# and select your preferred bundle.
Can I open a GTBank account using USSD?
Yes. Dial *737*0# and follow the instructions.
How do I perform a cardless withdrawal?
Dial *7373Amount# and generate a withdrawal code.
How do I block my GTBank account?
Dial *7375174# and follow the prompts.
Does GTBank USSD banking require internet access?
No. The service works without internet connectivity.
Conclusion
GTBank’s 737 Banking service remains one of the most popular USSD banking platforms in Nigeria in 2026. By dialing *737#, customers can transfer money, buy airtime, purchase data, pay bills, check balances, open accounts, generate OTPs, and perform various banking transactions without internet access. Available 24/7 and compatible with all major Nigerian networks, GTBank USSD banking offers a fast, secure, and convenient way to manage your finances anytime and anywhere.
