Have you ever tried to transfer money quickly, but the banking app refused to load? Or maybe you just wanted to check your balance, and the internet was down. That is a common frustration in Nigeria.
The solution is simple. With the GTBank USSD code *737#, you can do all your banking from any phone, even without data. It works on feature phones and smartphones, and it is available 24/7.
Today, I am going to walk you through everything you need to know about GTBank’s *737#. I will cover codes, fees, limits, and security tips, and I will answer the questions you probably already have in mind.
Why Should You Know GTBank USSD code in 2025?
Banking in Nigeria often depends on internet access. But millions of people prefer USSD because it works anywhere there is a mobile network. *737# is GTBank’s way of making banking simple, fast, and always available.
With this single code, you can check your balance, send money, buy airtime, or even block your account if your phone is stolen.
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How Do I Activate or Enroll for GTBank USSD Banking?
You might be asking, do I need to set up something before using gtbank ussd code?
Yes, you do. You must register with the phone number linked to your GTBank account. Then, you create a PIN that keeps your transactions secure.
Steps to activate
- Dial *737# on your registered line.
- Follow the prompts to set a 4-digit USSD PIN.
- Your account is now active for *737# transactions.
If you want a visual guide, GTBank provides Help Videos that show each step clearly.
What Can You Do with *737#?
There are many options available once you dial *737#. Let us look at the most common services you will use.
How do I check my GTBank account balance?
Dial *737*6*1# and enter your USSD PIN. The bank will show your balance instantly.
How do I transfer money to another GTBank account?
Dial *737*1*Amount*AccountNumber#, enter your PIN, and confirm. The money moves immediately.
How do I transfer money to other banks?
Dial *737*2*Amount*AccountNumber#, select the bank, then confirm with your PIN.
How do I buy airtime for myself?
Just dial *737*Amount#. For example, *737*500# will recharge your own line with ₦500.
How do I buy airtime for someone else?
Dial *737*Amount*PhoneNumber#. For example, *737*500*08012345678# sends ₦500 airtime to another number.
How do I withdraw cash without an ATM card?
Dial *737*3*Amount#. You will receive a code. Use that code at any GTBank ATM to withdraw cash card-free.
How do I open a new GTBank account with USSD?
Dial *737*0#. Follow the prompts to open an instant account. You will receive an account number on your phone.
How do I block my account if my phone is stolen?
Dial *737*911#. This code immediately blocks your account to protect your money.
All these features are available on any phone, and you do not need internet. That is the power of *737#.
What Are the Correct USSD Codes & Syntax?
Here is a table of the main codes you will need. Use the exact syntax for them to work.
| Service | Code |
|---|---|
| Check Balance | *737*6*1# |
| Transfer to GTBank | *737*1*Amount*AccountNo# |
| Transfer to Other Banks | *737*2*Amount*AccountNo# |
| Self Airtime | *737*Amount# |
| Third-party Airtime | *737*Amount*PhoneNo# |
| Cardless Withdrawal | *737*3*Amount# |
| Open Account | *737*0# |
| Block Account | *737*911# |
There are also advanced codes for statements and OTPs. For example, *737*7# generates a one-time password. But if you are not sure about a code, always confirm it on the GTBank 737 FAQs.
What Are the Charges, Limits & Fees?
You may wonder, is *737# free? The answer is no, but the charges are small compared to visiting a branch.
Typical charges
- GTBank to GTBank transfer: ₦20
- GTBank to other banks transfer: ₦80
- Balance enquiry: ₦10
- Airtime purchase: Free
Each transaction has a daily limit too. For most transfers, the maximum is ₦500,000 per day with USSD. For airtime, it is ₦10,000 per day.
Fees may change, so always check the official Bank 737 page for the latest updates.
How Secure Is GTBank USSD & What Best Practices Should You Follow?
Security is the most important part of banking. USSD is safe if you use it correctly.
Firstly, never share your USSD PIN. It is your key to your account.
Secondly, always block your account with *737*911# if you lose your phone.
Lastly, do not save your PIN in your phone’s notes or messages. Keep it in your memory only.
GTBank has built protections into *737#, but your safety depends on how carefully you handle your PIN and phone.
What If My *737# Isn’t Working? Troubleshooting Tips
Sometimes USSD may fail. Here are common issues and how to fix them.
- Invalid SIM: Make sure you are using the number linked to your GTBank account.
- Network error: Try again later when the mobile network is stable.
- Wrong syntax: Double-check the code format. Even one missing digit makes it fail.
If you keep having issues, contact GTBank’s customer care or visit the nearest branch.
How Does GTBank’s *737# Compare to Other Nigerian Bank USSD Codes?
Every major bank in Nigeria has its own USSD code. GTBank’s *737# is one of the most popular, but others have similar services.
For example, Stanbic Bank uses *909#, while Moniepoint uses *5573#.
If you want a full comparison across banks, check out the All Bank USSD Codes guide.
This shows how GTBank compares and helps you understand the wider Nigerian banking space.
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FAQ: Common Questions About GTBank USSD (*737#)
Can I use *737# on any phone?
Yes, you can. *737# works on all types of phones. It does not matter if you have a smartphone or a basic feature phone. The only requirement is that the line must be linked to your GTBank account.
Is there a fee for using *737#?
Yes, there is. Most transactions carry small fees. For example, balance enquiries cost ₦10, and transfers to other banks cost ₦80. Airtime purchases are usually free. Always check the official GTBank FAQ for the latest charges.
Can I use *737# without internet?
Yes, you can. USSD runs on the GSM network. It does not need Wi-Fi or mobile data. This is why *737# is so popular in areas with poor internet.
What happens if I dial the wrong syntax?
If you type a wrong code, the transaction will fail. Double-check each digit before pressing send. For example, *737*2*5000*1234567890# is not the same as *737*1*5000*1234567890#.
Can I still use *737# if my phone is stolen?
You can protect yourself by dialing *737*911# from any phone. This blocks your account instantly. After that, visit a GTBank branch to reactivate your account safely.
Does *737# have a daily limit?
Yes, it does. Transfers with *737# are usually limited to ₦500,000 daily. Airtime top-up is limited to ₦10,000 daily. These limits may change, so check with GTBank for updates.
What is the difference between *737*1# and *737*2#?
*737*1# is for transfers within GTBank. *737*2# is for transfers to accounts in other Nigerian banks. Both require your USSD PIN to complete.
How Secure Is USSD Compared To Mobile Apps?
You might wonder, is USSD safer than a mobile banking app? The answer is that both are secure if used correctly. USSD has the advantage of working without data, but it also relies only on your phone line and PIN.
The mobile app uses two-factor authentication and internet encryption. USSD depends more on the security of your SIM and your PIN. If your phone is stolen, blocking your account with *737*911# is essential.
Practical Scenarios Where *737# Saves Time
Let me share some real-world examples where USSD shines.
- You are at the market and need to transfer money to a vendor. With *737*, you do it instantly without data.
- Your child runs out of airtime at school. You recharge their phone from anywhere in seconds.
- You forgot your ATM card at home, but you need cash. Cardless withdrawal with *737*3*Amount# solves the problem.
These simple actions prove why *737# is one of the most trusted services in Nigeria.
How GTBank’s Gtbank USSD Code Stands Out
Compared to other banks, GTBank has one of the most complete USSD platforms. Many banks offer only balance checks and transfers. GTBank includes account opening, cardless withdrawals, and account blocking.
This makes *737# more than just a banking shortcut. It is a full banking solution on your phone.
If you want to see how other banks compare, check this guide on all bank USSD codes.
Tips To Maximize Your USSD Banking Experience
- Memorize only the codes you use most often, like *737*6*1# for balance and *737*1* for transfers.
- Save the rest in a secure note app protected by a password.
- Keep your USSD PIN secret. Do not share it with friends, family, or merchants.
- Always check your session time. If you delay, the USSD session may expire.
These small tips help you stay safe and save time.
Should You Still Download the GTWorld App?
Yes, you should. *737# is powerful, but the GTWorld mobile app offers more features like detailed statements, debit card management, and lifestyle payments.
Think of it this way. USSD is for speed and emergencies. The app is for full banking control.
Common Issues People Face With *737#
Even though it works most of the time, there are common complaints.
- Session timeout when the network is weak.
- Transfer delay during peak hours.
- Charges higher than expected if tariffs change.
- Blocked SIM if too many wrong PIN attempts are made.
The good news is that most issues have quick fixes. Checking the GTBank FAQ page or calling customer care often solves them.
Final Thoughts On Using *737#
Banking should be simple. With *737#, GTBank gives you banking that fits in your pocket, works offline, and takes only seconds.
The key takeaway is this. Memorize the most important codes: *737*6*1# for balance, *737*1* for transfers to GTBank, *737*2* for transfers to other banks, and *737*911# for blocking your account.
Use them with care, protect your PIN, and you will never worry about internet outages or forgotten ATM cards again.