If you’re in Nigeria and you have been looking for a fast, data-free way to manage your money, the Moniepoint USSD code (*5573#) is something you need to try. It doesn’t matter whether you’re a business owner, a student, or just someone tired of banking app glitches, this code gives you access to essential banking services right from your mobile phone, you don’t even need a smartphone or internet connection.
This guide covers everything you need to know about moniepoint used code: how to activate the USSD featureof your account, the complete list of the codes, step-by-step examples of using these features, security tips for your banking, and we will also give answers to common questions. If you’re serious about taking control of your finances offline, keep reading to the end.
What Is the Moniepoint USSD Code?
USSD stands for Unstructured Supplementary Service Data, and it’s basically a shortcode that lets you interact with your bank over a GSM network without needing internet access. For Moniepoint users, the ussd for transaction is:
*5573#When you dial the code *5573# on your phone, it opens up a secure menu where you can select either to send money, check your account balance, buy airtime or data, generate a one-time password (OTP), manage your PIN, and even block your account in emergencies.
Why this matters:
This is ideal in situations may be you find yourself in places where network coverage is poor, or if you’re not using a smartphone, this system ensures you can still make transaction by transferring your money, pay bills, or recharge anytime. It’s banking for everyone and it just works without stress.
How to Register and Activate Moniepoint USSD
Before you can start using your moniepoint USSD code, your phone number needs to be linked to an active Moniepoint account. If you’re new to Moniepoint, here’s how to get started by opening an account within few minutes:
Step 1: Open a Moniepoint Account
- Visit a Moniepoint agent or use the Moniepoint app
- Register with your phone number, BVN, and a valid ID
Step 2: Link Your Phone Number
Always ensure the number you intend to use is the same one registered to your Moniepoint account. This is super important USSD access only works from your linked SIM.
Step 3: Activate USSD Access
- Insert the registered SIM in your phone
- Dial
*5573# - You’ll be prompted to create a 4-digit USSD PIN
- Once confirmed, you’ll gain full access to Moniepoint’s USSD services
No downloads. Without internet. stress free. Just dial and bank.
Complete List of Moniepoint USSD Codes in 2025
Moniepoint USSD isn’t just one code—it’s a suite of shortcuts that make banking ultra-efficient. Here’s the full breakdown of all moniepoint codes:
Core Commands:
*5573#— Launch main menu*5573*0#— Check account balance*5573*1*Amount*AccountNumber#— Send money to any Nigerian bank*5573*2*Amount#— Buy airtime for yourself*5573*3*Amount*PhoneNumber#— Buy airtime for friends/family*5573*4*DataAmount*PhoneNumber#— Buy mobile data*5573*5#— Generate a one-time password (OTP)*5573*6#— Change or reset your USSD PIN*5573*911#— Emergency block for lost/stolen phone
All these codes are available 24/7 on all major network communication in Nigerian such as MTN, Airtel, Glo, and 9mobile. You don’t need to memorize all all this code. What is very important that you should always start with *5573# and navigate through the menu.
How to Use Moniepoint USSD: Step-by-Step Examples
1. To Transfer Money to Another Bank:
Dial *5573*1*5000*0123456789#- A prompt shows the bank name associated with the account number
- Enter your 4-digit PIN to confirm
- Done! You’ll get a confirmation SMS
2. To Buy Airtime for Yourself:
Dial *5573*2*200#- Input your USSD PIN
- Airtime is instantly credited to your phone
3. To Buy Airtime for Someone Else:
Dial *5573*3*500*08012345678#- Confirm phone number
- Enter PIN
- They receive the airtime in seconds
4. To Check Account Balance:
Dial *5573*0#- Enter PIN
- Your available balance is displayed
5. To Block Your Account in an Emergency:
Dial *5573*911#- Your account is frozen instantly. This protects you in case of theft.
Moniepoint USSD FAQs
Can I use the Moniepoint USSD code without data or internet?
Yes. That’s the entire point of USSD. It works even with zero data, on feature phones or smartphones.
Is the USSD service free?
Moniepoint doesn’t charge you, but your network provider may apply a small session fee usually ₦6.98 per use.
How can I activate Moniepoint USSD if I haven’t used it before?
As long as you have a Moniepoint account and your phone number is linked to it, just dial *5573# and follow the prompts to set your PIN.
What is the daily transaction limit via USSD?
Typically between ₦50,000 and ₦200,000, depending on your account tier. Higher limits may require KYC verification.
Can I reset my PIN if I forget it?
Absolutely. Dial *5573*6# and follow the instructions to reset your PIN securely.
Can I use Moniepoint USSD on multiple phones?
Only the registered SIM will work. But you can insert that SIM into any phone to use the code.
Pros and Limitations of Using Moniepoint USSD
✅ Pros:
- No internet required: Perfect for rural or low-network areas
- Fast transactions: No loading screens—just punch and go
- Works on all phones: From old Nokias to the latest iPhones
- Built-in security: Protected by your custom USSD PIN
- 24/7 access: Bank any time, even outside banking hours
⚠️ Limitations:
- Session fee applies: Usually ₦6.98 per USSD session
- Basic interface: It’s functional, but not fancy
- Limited features: Some services (like account upgrades) still require the app
- One SIM only: You can’t use USSD from an unlinked number
Moniepoint vs Other USSD Codes in Nigeria
| Service | USSD Code | Key Advantage |
|---|---|---|
| Moniepoint | *5573# | All-in-one for agents & individuals |
| GTBank | *737# | High daily transfer limits |
| Opay | *955# | Strong wallet features, easy access |
| PalmPay | *652# | Rewards + quick airtime top-up |
While Moniepoint may not have flashy features on it menu, it delivers where it matters reliability, speed, and offline access.
Should You Use the Moniepoint USSD Code in 2025? Here’s the Honest Truth
In 2025, with rising data costs, frequent app glitches, and inconsistent network coverage across Nigeria, offline banking tools like USSD aren’t just helpful—they’re essential. And Moniepoint’s *5573# stands out as one of the most versatile, secure, and accessible USSD banking platforms available.
Let’s break down why you might want to make this your default banking method—and when it might not be enough.
Who Is Moniepoint USSD Best For?
- Market traders and small business owners
Running a POS or managing cashflow in a busy market? Moniepoint USSD lets you check balances, send money, and top up airtime in seconds—no internet, no app delay. - Students and low-income earners
If you’re watching every naira and can’t always afford mobile data, USSD offers a reliable alternative. It keeps you connected to your money without draining your bundle. - Rural or under-networked areas
Moniepoint’s USSD works on all major networks (MTN, Airtel, Glo, 9mobile), and even in areas where 3G/4G service is poor. It’s offline-friendly and ultra-lightweight. - Backup for app users
Even if you use the Moniepoint app daily, USSD is an essential backup. Phone crash? Battery dead on your smartphone but you’ve got a small phone nearby? Just pop your SIM in and dial *5573#.
When to Use the App Instead of USSD
While USSD is powerful, it’s still limited to essential transactions. If you need:
- Transaction history or detailed receipts
- Card services or loan applications
- Changing account details or onboarding agents
- Advanced settings or customer service chat
…you’ll need to use the Moniepoint mobile app or web portal.
Verdict: Use Both
If you’re serious about having full control over your money anytime, anywhere, USSD and the app should work together. Think of USSD as your “offline banking toolkit,” and the app as your full-featured command center.
USSD keeps your banking running—even when the internet doesn’t.
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