Banking without internet can feel frustrating. Imagine needing to send money, but your mobile data is down. Or you want to buy airtime quickly, but your app will not open. That is where the Moniepoint transfer code *5573# becomes useful.
With this code, you can carry out core banking tasks from any phone, without internet. The service is especially important for people in rural areas, or when networks are unstable.
Today, I am sharing a full guide to using Moniepoint USSD in 2025. You will see how to activate it, what services you can access, the new ₦10 session fee, and how Moniepoint compares with other Nigerian fintechs.
How Do You Activate Moniepoint USSD Banking on Your Phone?
Do you need the Moniepoint app to activate USSD?
Yes, you need the Moniepoint app to activate the USSD feature. You log in, go to your profile, scroll to settings, and choose USSD Banking. From there, you follow the prompts and confirm with your transaction PIN.
Which SIM card or number works with Moniepoint USSD?
Only the phone number registered with your Moniepoint account will work. If you try another SIM, you will not gain access.
What Services Can You Access With *5573#?
How do you transfer money using Moniepoint USSD?
You dial *5573#, select Transfers, and enter the recipient account number. Then you confirm with your PIN. This works for Moniepoint accounts and for other Nigerian banks.
How can you buy airtime and data with *5573#?
You choose Airtime or Data after dialing the code. Then you enter your phone number or another number and confirm the purchase. The money comes straight from your Moniepoint account.
How do you check your Moniepoint account balance with USSD?
Dial *5573*5#. You will see your balance on your phone screen. This shortcut saves time when you only want to view your balance.
How do you reset or change your Moniepoint transaction PIN?
Choose the Reset PIN option after dialing *5573#. Then you follow the steps to create a new PIN. Always keep your new PIN safe.
How do you block or unblock your Moniepoint account with *5573#?
Dial *5573*911# if your account is compromised. This code lets you block or unblock instantly, which protects your funds if you lose your phone.
What Are the 8 Essential Moniepoint Transfer Codes Every User Should Know?
Which shortcodes save you time when banking offline?
Here are the key ones:
- *5573# – Main menu
- *5573*5# – Balance check
- *5573*1*Amount*AccountNumber# – Transfer to Moniepoint account
- *5573*2*Amount*AccountNumber# – Transfer to other banks
- *5573*911# – Block or unblock account
- *5573*73Code# – Retrieve OTP
What is the Moniepoint USSD code to block your account instantly?
The correct code is *5573*911#. It is one of the most important, because you can secure your account even if you lose your phone.
Is there a Moniepoint USSD for OTP retrieval?
Yes, you dial *5573*73Code# to get your One Time Password. This can be helpful when network coverage is poor.
What Changed in 2025? (₦10 Fee Policy Explained)
Why did Moniepoint add a ₦10 USSD fee?
Moniepoint introduced the charge to cover the cost of USSD services and keep them reliable. The fee started on August 22, 2025.
Which USSD services are free and which are paid?
Most services, like transfers, airtime, data, balance checks, and PIN resets, now cost ₦10 per successful session. But some remain free:
- Getting OTP
- Activating your account
- Blocking or unblocking your account or card
When does the ₦10 fee start and how is it charged?
The ₦10 fee started in August 2025. It is charged per session, not per action. So if you complete multiple steps in one session, you pay only once.
What Are the Limits and Security Features of Moniepoint USSD?
How much can you transfer daily with Moniepoint USSD?
The daily limit depends on your account type. For personal accounts, the usual range is between ₦50,000 and ₦100,000. Business accounts may have higher limits, but you need to confirm in your app.
What happens if your Moniepoint USSD is not working?
If the code fails, check that you are using the registered phone number. Also check network coverage. If the issue continues, contact Moniepoint support.
How safe is banking with *5573# compared to the mobile app?
It is safe if you keep your PIN private. Moniepoint uses encryption and session limits. The block code *5573*911# adds extra protection.
How Does Moniepoint USSD Compare With Other Nigerian Bank Codes?
Is Moniepoint faster or cheaper than Opay, PalmPay, or FirstBank USSD?
Moniepoint offers one of the most reliable codes in Nigeria. While banks like FirstBank use *894# and GTB uses *737#, Moniepoint stands out because it supports both personal and business accounts. The ₦10 session fee is similar to other providers, so the price is competitive.
Opay and PalmPay also provide USSD, but their codes are not as widely adopted. Moniepoint is strong in rural areas where small businesses rely on offline banking.
What makes Moniepoint unique in rural and low-data areas?
The code works on any type of phone, including basic feature phones. That means you do not need a smartphone or internet connection. This makes Moniepoint ideal for users in areas with unstable networks.
Frequently Asked Questions About Moniepoint Transfer Code
Does Moniepoint have a different USSD code for POS agents?
No, POS agents also use *5573#. However, they may have access to higher transaction limits depending on their business profile.
Can you use Moniepoint USSD outside Nigeria?
You can only use it when connected to Nigerian mobile networks. If you travel outside Nigeria, the code will not work because it is tied to local carriers.
Is Moniepoint USSD available for both personal and business accounts?
Yes, the same code works for both. Business accounts can perform bulk transfers and larger transactions, while personal accounts focus on daily use.
Can you disable or deactivate Moniepoint USSD?
Yes, you can deactivate the service from your Moniepoint app. This is helpful if you want to use only the app for security reasons.
Final Thoughts — Should You Use Moniepoint USSD in 2025?
Moniepoint USSD remains one of the most practical ways to bank without internet. The *5573# code gives you access to transfers, airtime, data, and account security, all from your phone keypad.
The ₦10 session fee may feel like a change, but it ensures the service remains reliable. Free services like blocking your account or retrieving OTP still give you peace of mind without extra cost.
If you need a quick way to manage money in Nigeria, Moniepoint USSD is a strong choice. It balances ease of use, security, and accessibility for both personal and business customers.
Key Takeaways for You
- The official Moniepoint USSD code is *5573#.
- Activate it in the Moniepoint app under Profile → Settings → USSD Banking.
- Use shortcuts like *5573*5# to check balance and *5573*911# to block your account.
- From August 2025, most sessions cost ₦10, while OTP, activation, and blocking remain free.
- Works on both feature phones and smartphones, with no internet needed.
Extra Resource for You
Visit the official Moniepoint USSD Banking page to confirm the latest updates and instructions. Always double-check from trusted sources before using financial codes.
To sum it up, if you want a reliable offline banking option in 2025, Moniepoint’s transfer code *5573# is built for you. It is simple, safe, and effective for everyday money management.
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