The official Moniepoint USSD code is *5573#. Moniepoint customers can use the service for transfers, airtime and data purchases, balance checks, PIN management, and account or card blocking without using mobile internet. Before using USSD for normal banking, you must enable the USSD Banking feature in your Moniepoint Personal or Business app or web account.
Quick answer: Dial *5573# from the phone number linked to your Moniepoint account, then select the service you need. If you already know the direct shortcode, you can use it instead of navigating through the main menu.
Moniepoint USSD Codes: Complete List
These are the current Moniepoint USSD and menu codes published by Moniepoint. For most services, you can simply dial *5573# and choose the required option from the menu.
| What you want to do | Moniepoint USSD code | What it does |
|---|---|---|
| Open the USSD menu | *5573# | Opens the main Moniepoint USSD banking menu. |
| Check balance | *5573*5# | Checks your Moniepoint account balance and details. |
| Transfer to a Moniepoint account | *5573*1*Amount*Account Number# | Starts a transfer to a Moniepoint account. |
| Transfer to another bank | *5573*2*Amount*Account Number# | Starts an interbank transfer. |
| Buy airtime for yourself | *5573*Amount# | Starts an airtime purchase for your own number. |
| Buy airtime for someone else | *5573*Amount*Phone Number# | Starts an airtime purchase for another phone number. |
| Buy data | *5573*4# | Opens the data-purchase flow. |
| Change user PIN | *5573*6# | Changes your existing USSD user PIN. |
| Forgot user PIN | *5573*7# | Starts the process for resetting a forgotten user PIN. |
| Block or unblock card | *5573*911# | Opens the emergency menu for card blocking or unblocking. |
| Block or unblock account | *5573*911# | Opens the emergency account-security menu. |
| Forgot username | *5573*73*1# | Starts the username-recovery flow. |
| Verify phone number | *5573*74Code# or *5573*74*Code# | Starts phone-number verification. |
| Get OTP | *5573*73Code# or *5573*73*Code# | Starts the OTP retrieval flow. |
| Activate account | *5573*99Code# or *5573*99*Code# | Starts the account-activation flow. |
| Activate card | *5573*111# | Starts the card-activation flow. |
Moniepoint also allows you to access these services through the main *5573# menu, so you do not need to memorize every direct shortcode.
What Is the Moniepoint USSD Code?
The official Moniepoint USSD code is *5573#. It provides access to supported Moniepoint banking services from a mobile phone without requiring an internet connection.
For normal USSD banking, the phone number you use should be associated with your Moniepoint account, and USSD Banking must be enabled on the account. Sensitive actions such as checking your balance and making transactions require PIN authorization.
How to Activate Moniepoint USSD Banking
If you are an existing Moniepoint customer and *5573# says that the USSD channel is not enabled, activate it from your Moniepoint account settings first.
- Log in: Open the Moniepoint Personal or Business app and sign in to your dashboard.
- Open Settings: Tap your profile picture in the top-left corner and select Settings.
- Enable USSD Banking: Under the relevant transaction settings, turn on the USSD Banking option.
- Authorize the change: Confirm the action with your user PIN when prompted.
Moniepoint also provides a USSD Banking setting through its web application. You can return to the settings page later if you want to disable the USSD channel.
Important: You cannot currently open a new Moniepoint account using USSD. USSD is for customers who already have an account and have access to the required banking setup.
How to Transfer Money With Moniepoint USSD
Moniepoint provides separate direct codes for transfers to Moniepoint accounts and transfers to other banks. If you are unsure which flow applies, dial *5573# and select the transfer option from the menu.
Transfer to a Moniepoint Account
Use:
*5573*1*Amount*Account Number#Enter the amount and recipient account number, follow the prompts, confirm the transaction details, and authorize it with your PIN.
Transfer to Another Bank
Use:
*5573*2*Amount*Account Number#Follow the prompts to select or confirm the destination bank and recipient details. Check the recipient information and amount carefully before authorizing the transfer.
Example
If you were transferring ₦5,000 using the direct Moniepoint transfer format, the entry would follow the structure:
*5573*2*5000*0123456789#The example uses the other-bank transfer format. The actual destination bank and recipient information must be entered according to the transaction you are making.
Before entering your PIN: confirm the recipient, destination bank, and amount displayed by the transaction flow. If a transaction appears unsuccessful, check its status before attempting the transfer again.
How to Check Your Moniepoint Account Balance
The current direct balance code is *5573*5#.
- Dial
*5573*5#from the phone number associated with your Moniepoint account. - Select the relevant account if you have more than one account available.
- Enter your USSD PIN when prompted.
- Follow the instructions to view your balance.
You can also dial *5573# and select the balance option from the main menu. Moniepoint confirms that balance checks require PIN authorization.
How to Buy Airtime With Moniepoint USSD
Buy Airtime for Yourself
The direct format is:
*5573*Amount#For example, the structure for a ₦500 airtime purchase is:
*5573*500#Follow the confirmation prompts and authorize the transaction with your PIN.
Buy Airtime for Someone Else
The direct format is:
*5573*Amount*Phone Number#For example:
*5573*500*08012345678#Confirm the recipient’s phone number and amount before authorizing the purchase.
Moniepoint’s USSD service supports airtime purchases for yourself and other numbers through the main USSD menu as well.
How to Buy Data With Moniepoint USSD
Dial:
*5573*4#The data menu allows you to proceed with the appropriate data purchase. Follow the prompts to select the required option, confirm the phone number and purchase details, and authorize the transaction.
You can also access the data-purchase option by dialing the main *5573# menu. Moniepoint’s USSD service supports data purchases for yourself and other numbers.
How to Change or Reset Your Moniepoint USSD PIN
Change a PIN You Still Know
Use:
*5573*6#This option is for changing your existing user PIN.
Reset a Forgotten PIN
Use:
*5573*7#This is the appropriate flow when you cannot remember your current user PIN.
Moniepoint distinguishes the two functions: *5573*6# is for changing a known PIN, while *5573*7# is for a forgotten PIN.
How to Block Your Moniepoint Account With USSD
If you need to stop debit transactions on your Moniepoint account, use the emergency menu:
*5573*911#When using your own registered phone, select the option to stop debit transactions for yourself and follow the prompts. Moniepoint says the process can block the customer’s Moniepoint accounts after PIN verification.
What If Your Phone Was Stolen?
You can still use the emergency USSD service when you no longer have access to your registered phone.
Moniepoint allows another person to dial:
*5573*911#They can select the option to stop debit transactions for someone else and enter the affected customer’s phone number or account number. The customer’s PIN is then required to complete the blocking process.
This emergency flow is different from ordinary USSD banking. You should not assume that every USSD transaction can be performed from an unrelated phone number.
How to Unblock a Moniepoint Account
The same emergency menu, *5573*911#, can be used for account unblocking. Moniepoint says the user who blocked the account is the person who can unblock it, subject to the required verification.
Moniepoint USSD Charges and Fees
Moniepoint currently charges ₦10 per successful session for selected transactional USSD services. These include transfers, airtime purchases, data purchases, balance checks and PIN changes.
| USSD service | Current charge |
|---|---|
| Transfer to Moniepoint or another bank | ₦10 per successful session |
| Buy airtime | ₦10 per successful session |
| Buy data | ₦10 per successful session |
| Check balance/account details | ₦10 per successful session |
| Change/reset PIN | ₦10 per successful session |
| Get OTP | Free |
| Activate account | Free |
| Block account or card | Free |
The fee applies to the selected transactional services, while Moniepoint currently lists OTP retrieval, account activation and emergency blocking among its free services. Moniepoint introduced the ₦10 USSD fee on August 22, 2025.
Moniepoint USSD Transaction Limits
Moniepoint currently lists the following limits for its USSD services:
| Transaction type | Single limit | Daily limit |
|---|---|---|
| Transfers | ₦20,000 | ₦100,000 |
| Airtime | ₦10,000 | ₦10,000 |
| Data | ₦10,000 | ₦10,000 |
These are the USSD limits currently published by Moniepoint and are separate from limits that may apply to other Moniepoint banking channels.
Why Is My Moniepoint USSD Code Not Working?
If *5573# is not working, check the USSD channel and your registered phone number before assuming the shortcode itself is unavailable.
1. Make Sure USSD Banking Is Enabled
If Moniepoint says that the USSD channel is not enabled, open your Moniepoint app or web account and turn on USSD Banking from Settings. The change requires PIN authorization.
2. Use the Phone Number Associated With the Account
For normal USSD banking, dial the code from the mobile number associated with your Moniepoint account. Using another number can result in an account-not-found message or prevent the expected accounts from appearing.
3. Check Your Mobile Network
USSD does not require mobile internet, but your phone still needs access to a working mobile network. If the network is temporarily unavailable, wait and try *5573# again.
4. Use the Main Menu Instead of an Old Shortcut
If an older direct shortcode is not working, dial *5573# and select the required service from the current menu. This avoids relying on outdated shortcut formats.
5. Check Your PIN
If the menu opens but a transaction fails during authorization, check that you are using the correct user PIN. If you have forgotten it, use *5573*7# to start the forgotten-PIN process.
6. Check Whether You Have Multiple Moniepoint Profiles
If you use different phone numbers for your personal and business Moniepoint profiles, the accounts displayed through USSD can depend on which associated number you use. Moniepoint specifically notes that different phone numbers can expose different personal or business accounts through USSD.
7. Do Not Immediately Repeat a Failed Transfer
If a transfer appears to have failed, check the transaction status and your account activity before sending the money again. This reduces the risk of accidentally repeating a transaction that was already completed.
Can You Use Moniepoint USSD Without Internet?
Yes. Moniepoint USSD is designed for offline banking, so you do not need mobile data or an internet connection to access the supported USSD services. You still need a working mobile-network connection and, for normal account operations, the appropriate phone number and USSD activation.
Moniepoint USSD vs the Moniepoint App
USSD and the Moniepoint app serve different purposes. USSD is useful when you need a supported transaction without relying on mobile internet, while the app or web platform is more appropriate when you need a visual interface or account-management functions that are not convenient through a short USSD menu.
| Feature | Moniepoint USSD | Moniepoint app/web |
|---|---|---|
| Internet required | No | Yes |
| Works from a basic phone | Yes, where mobile-network access is available | Requires a compatible connected device |
| Quick transfers | Yes | Yes |
| Balance checking | Yes | Yes |
| Airtime and data | Yes | Yes |
| Detailed visual account management | Limited | More suitable |
| USSD session fee | ₦10 for selected transactional services | No USSD session applies |
Important Moniepoint USSD Security Tips
- Keep your PIN private. Never disclose your user PIN to another person simply because they claim to be helping with a transaction.
- Check recipient details. Confirm the destination account and amount before authorizing a transfer.
- Use the emergency menu when necessary. If your phone is stolen or your account needs immediate protection, use
*5573*911#according to the appropriate emergency flow. - Check transaction status before retrying. A delayed confirmation does not necessarily mean that the transaction failed.
Moniepoint USSD FAQs
What is the official Moniepoint USSD code?
The official Moniepoint USSD code is *5573#. Dial it to open the main USSD banking menu.
What is the Moniepoint transfer code?
For a transfer to a Moniepoint account, use *5573*1*Amount*Account Number#. For a transfer to another bank, use *5573*2*Amount*Account Number#. You can also dial *5573# and select the transfer option.
What is the Moniepoint balance code?
The current direct balance code is *5573*5#. You can also dial *5573# and choose the balance option.
How much does Moniepoint USSD cost?
Moniepoint currently charges ₦10 per successful session for selected transactional services, including transfers, airtime/data purchases, balance checks and PIN changes. OTP retrieval, account activation and account/card blocking are currently listed as free services.
Can I use Moniepoint USSD without data?
Yes. USSD banking works without mobile internet. You still need access to a mobile network to establish the USSD session.
How do I activate Moniepoint USSD?
Log in to the Moniepoint Personal or Business app, open Settings, locate the USSD Banking option and turn it on. You can also manage the setting through the Moniepoint web application.
Can I check my Moniepoint balance with USSD?
Yes. Dial *5573*5# or open the main *5573# menu and select the balance option. Your PIN is required to authorize the balance request.
Can I transfer money from Moniepoint to another bank with USSD?
Yes. The current direct code for transfers to other banks is *5573*2*Amount*Account Number#. Follow the prompts to select or confirm the destination bank and recipient details before authorizing the transaction.
Can I buy airtime with Moniepoint USSD?
Yes. The direct format for buying airtime for yourself is *5573*Amount#, while airtime for another number uses *5573*Amount*Phone Number#. You can also access both options through *5573#.
Can I buy data with Moniepoint USSD?
Yes. Dial *5573*4# to open the data-purchase flow, or use the data option from the main *5573# menu.
How do I change my Moniepoint USSD PIN?
Dial *5573*6# when you know your current PIN and want to change it. If you have forgotten your PIN, use *5573*7# instead.
How do I block my Moniepoint account?
Dial *5573*911# and use the emergency menu to stop debit transactions. Moniepoint says the emergency service can be used to block accounts and cards.
Can I block my Moniepoint account if my phone was stolen?
Yes. Moniepoint allows the emergency menu *5573*911# to be used from another person’s phone when you cannot access your registered SIM. The person assisting you must follow the option for stopping debit transactions for someone else and provide the required account or phone details and your PIN.
Can I open a Moniepoint account using USSD?
No. Moniepoint currently says that new accounts cannot be opened through USSD. USSD is available to existing customers after the USSD Banking channel has been enabled.
What should I do if *5573# is not working?
First check that USSD Banking is enabled in your Moniepoint app or web account and that you are using the phone number associated with the account. Then check your mobile-network connection and try the main *5573# menu again.
Final Thoughts
The Moniepoint USSD code to remember is *5573#. It provides a direct route to supported banking services without mobile internet, while the extended codes can take you directly to common functions such as transfers, balance checks, airtime, data and PIN management.
If you use Moniepoint regularly, enable USSD Banking before you need it. Keep *5573# for the main menu and *5573*911# for emergency account or card security. For other Moniepoint account tasks, you can also use the Moniepoint login guide.
For other Nigerian banking shortcodes, see the complete guide to bank USSD codes in Nigeria.
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