The official Moniepoint USSD code is *5573#, a secure offline banking shortcode that allows registered Moniepoint customers in Nigeria to transfer money, buy airtime, check balances, and block accounts without internet access. This service operates over GSM networks and is compatible with major mobile carriers including MTN, Airtel, Glo, and 9mobile. By dialing this code on your linked SIM, you can manage your business or personal finances on any mobile device.
Quick answer: Dial *5573# to open the Moniepoint USSD menu. For a direct bank transfer, use *5573*1*Amount*AccountNumber# and follow the prompts.
Moniepoint USSD Code: *5573#
The official Moniepoint USSD code is *5573#. It provides access to essential banking services without requiring mobile data or an internet connection.
USSD works through your mobile network. You only need the SIM linked to your active Moniepoint account and your USSD PIN.
Moniepoint USSD Codes: Complete List
The core Moniepoint codes below cover the most common offline banking tasks, including transfers, balance checks, airtime purchases, PIN management, and emergency account blocking.
| Service | Moniepoint USSD Code | How to Use |
|---|---|---|
| Open Moniepoint menu | *5573# |
Dial the code and select the service you need. |
| Check account balance | *5573*0# |
Dial the code and enter your USSD PIN when prompted. |
| Transfer money | *5573*1*Amount*AccountNumber# |
Enter the amount and account number, select the destination bank, then authorize with your PIN. |
| Buy airtime for yourself | *5573*2*Amount# |
Dial the code with the amount you want to purchase. |
| Buy airtime for another number | *5573*3*Amount*PhoneNumber# |
Enter the amount and recipient’s phone number. |
| Buy mobile data | *5573*4*DataAmount*PhoneNumber# |
Enter the data amount and phone number. |
| Generate OTP | *5573*5# |
Dial the code and follow the prompts. |
| Change or reset USSD PIN | *5573*6# |
Follow the prompts to manage your USSD PIN. |
| Emergency account block | *5573*911# |
Use the emergency option if your phone or account security is at risk. |
Important: You do not need to memorize every shortcut. Start with *5573# when you are unsure which option to use.
Moniepoint Code for Transfer: Step-by-Step Guide
The official Moniepoint code for transfer is *5573*1*Amount*AccountNumber#. The transfer process uses your linked SIM and requires your USSD PIN for authorization.
How to Transfer Money With the Moniepoint Transfer Code
- Dial the transfer code: Enter
*5573*1*Amount*AccountNumber#on the phone containing your registered Moniepoint SIM. - Confirm the destination: Follow the prompt to select or confirm the destination bank.
- Check the recipient details: Confirm that the displayed account information matches the intended recipient.
- Authorize the transaction: Enter your 4-digit USSD PIN when prompted.
- Wait for confirmation: Complete the transaction and check for the confirmation message.
For example, a transfer of ₦5,000 to account number 0123456789 can be entered as:
*5573*1*5000*0123456789#The exact transfer details should always be checked before authorization. Never enter your PIN until you have confirmed that the transaction is intended.
How to Register and Activate Moniepoint USSD
To use Moniepoint USSD, your phone number must be linked to an active Moniepoint account. The registered SIM should be in the phone when you dial the USSD code.
Step 1: Open a Moniepoint Account
- Visit a Moniepoint agent or use the Moniepoint app.
- Register using your required account information, including your phone number and verification details.
Step 2: Use Your Registered Phone Number
The SIM used for USSD should match the phone number linked to your Moniepoint account. An unlinked number may not provide access to your account through USSD.
Step 3: Dial *5573#
- Insert the registered SIM into your phone.
- Dial
*5573#. - Follow the prompts shown on your screen.
- Create or confirm your 4-digit USSD PIN when requested.
For business users, you can also use the Moniepoint business login guide when you need to access your account through the web or online platform.
How to Use Moniepoint USSD for Other Transactions
Moniepoint USSD also supports everyday tasks such as checking your balance and purchasing airtime. These shortcuts can help when mobile data is unavailable.
Check Your Moniepoint Account Balance
*5573*0#- Dial
*5573*0#. - Enter your USSD PIN when prompted.
- Follow the instructions to view your available balance.
Buy Airtime for Yourself
*5573*2*200#- Dial the code with the amount you want to purchase.
- Follow the confirmation prompt.
- Enter your USSD PIN if requested.
Buy Airtime for Someone Else
*5573*3*500*08012345678#- Enter the recipient’s phone number.
- Confirm the number and amount.
- Authorize the transaction with your PIN.
Buy Mobile Data
*5573*4*DataAmount*PhoneNumber#Use the data purchase option to select the required data service and recipient number, then follow the confirmation prompts.
Generate an OTP
*5573*5#Dial the OTP shortcut and follow the instructions displayed on the USSD menu.
Change or Reset Your USSD PIN
*5573*6#Use this option when you need to manage your Moniepoint USSD PIN. Follow the prompts carefully and keep your PIN private.
Block Your Account in an Emergency
*5573*911#The emergency option is intended for situations where you need to protect your account after losing access to your phone or when you suspect a security problem.
Moniepoint USSD Charges and Fees
Using Moniepoint USSD can involve a N6.98 USSD session fee. Standard Moniepoint outbound transfer fees may also apply to transactions.
| Banking Method | USSD Session Charge | Other Applicable Charges |
|---|---|---|
| Moniepoint USSD | N6.98 session fee | Standard Moniepoint outbound transfer fees may apply. |
| Moniepoint App | No USSD session applies | Applicable transaction fees depend on the service and transaction. |
The key difference is the USSD session charge. The Moniepoint app does not use a USSD session, although applicable transaction fees can still depend on the service.
Network operators can also apply their applicable USSD charges. Therefore, check the confirmation screen and current Moniepoint terms before completing a transaction.
Why is my Moniepoint USSD Code Not Working? (Troubleshooting)
If *5573# is not working, the most common areas to check are your registered SIM, network connection, account status, and USSD session.
1. Confirm You Are Using the Registered SIM
Moniepoint USSD access depends on the phone number linked to your account. Make sure the registered SIM is active and inserted in the phone.
2. Check Your Mobile Network
USSD depends on GSM network connectivity. If the network is temporarily unavailable, wait and try *5573# again.
3. Restart Your Phone
A quick restart can refresh the mobile network connection. After restarting, dial *5573# again.
4. Try the Main Code First
If a direct shortcut fails, return to the main menu by dialing *5573#. Then select the required service from the available options.
5. Check Your USSD PIN
If the code opens but the transaction fails during authorization, make sure you are entering the correct USSD PIN. Use *5573*6# if you need to manage or reset the PIN.
6. Wait if the USSD Service Is Temporarily Unavailable
Temporary network or service interruptions can prevent a USSD session from completing. Wait a few minutes and try again before repeating the transaction.
7. Avoid Repeating a Transfer Without Checking the Result
If a transfer appears to fail, check your account and transaction status before trying again. This helps prevent accidental duplicate transactions.
Moniepoint USSD on MTN, Airtel, Glo, and 9mobile
The Moniepoint USSD service is designed to operate over GSM networks. The available network can affect whether a USSD session connects successfully.
- MTN: Use the registered SIM and dial
*5573#. - Airtel: Use the registered SIM and dial
*5573#. - Glo: Use the registered SIM and dial
*5573#. - 9mobile: Use the registered SIM and dial
*5573#.
The Moniepoint shortcode remains *5573#. You do not need to replace it with your network provider’s banking shortcode.
Moniepoint vs Other USSD Codes in Nigeria
Moniepoint uses *5573#, while other Nigerian financial services use different USSD shortcodes. The main difference is the provider behind each code.
| Service | USSD Code | Key Advantage / Link |
|---|---|---|
| Moniepoint | *5573# |
Offline access to Moniepoint banking services. |
| GTBank | *737# |
GTBank mobile banking through USSD. |
| Opay | *955# |
Wallet and mobile banking services. |
| PalmPay | *652# |
Mobile wallet and airtime services. |
If you use Moniepoint, *5573# is the code to remember. It gives you a direct USSD route to supported banking services without opening an app.
Pros and Limitations of Moniepoint USSD
Advantages
- No mobile data required: USSD operates through a GSM network.
- Works on many mobile devices: You do not need a smartphone to access USSD.
- Quick access: You can reach supported services directly from the dialer.
- PIN protection: Transactions requiring authorization use your USSD PIN.
- Useful backup: USSD can provide an alternative when you cannot access the Moniepoint app.
Limitations
- USSD session charges: A N6.98 session fee applies according to the supplied information.
- Network dependence: USSD still requires a working GSM connection.
- Limited interface: USSD menus provide fewer visual details than an app.
- Service limitations: Some account functions may require the Moniepoint app or web platform.
- Registered SIM requirement: The phone number used for USSD must be linked to the account.
Should You Use the Moniepoint USSD Code in August 2026?
Yes, Moniepoint USSD remains useful when you need quick access without mobile data. The main code, *5573#, provides a simple way to reach supported banking services from a mobile phone.
USSD is especially useful as a backup when you cannot access the Moniepoint app. However, the app or web platform remains more suitable for services that require a richer interface or detailed account information.
Who Is Moniepoint USSD Best For?
- Business owners and market traders: USSD can provide quick access to supported transactions without relying on an app.
- Students and data-conscious users: USSD can be useful when mobile data is unavailable.
- Users in areas with limited mobile data access: USSD provides an alternative to internet-based banking.
- Moniepoint app users: USSD works as a useful backup option when the app is unavailable.
When Should You Use the Moniepoint App Instead?
The Moniepoint app or web platform is more appropriate when you need functions that are not convenient through a basic USSD menu.
- Detailed transaction information.
- Account management features.
- Services that require the app or web platform.
- A richer interface for managing your account.
Verdict: Use USSD and the App Together
The best approach is to use Moniepoint USSD and the app for different situations. USSD provides a fast offline option, while the app offers a broader digital banking experience.
When you need the official Moniepoint shortcut, remember *5573#. For transfers, the Moniepoint transfer code is *5573*1*Amount*AccountNumber#.
Moniepoint USSD FAQs
What is the official Moniepoint code for transfer?
The official Moniepoint transfer code is *5573*1*Amount*AccountNumber#. You will then be prompted to select the destination bank and enter your 4-digit PIN to authorize the transaction offline.
Are there charges for using the Moniepoint USSD code?
Yes. Standard network carrier charges, including the supplied N6.98 session fee, apply when using USSD services in Nigeria. Moniepoint’s standard outbound transfer fees may also apply.
What is the official Moniepoint USSD code?
The official Moniepoint USSD code is *5573#. Dial it from the SIM linked to your Moniepoint account to access the main USSD menu.
Can I use the Moniepoint USSD code without data or internet?
Yes. USSD works through a GSM network, so you do not need mobile data or an internet connection to open the service.
How do I activate Moniepoint USSD?
Use the SIM linked to your Moniepoint account and dial *5573#. Then follow the prompts to access the available USSD services and set up your USSD PIN if required.
Can I use Moniepoint USSD on MTN, Airtel, Glo, or 9mobile?
Yes. The supplied information indicates that Moniepoint USSD works across MTN, Airtel, Glo, and 9mobile. The registered SIM must be linked to your Moniepoint account.
What should I do if *5573# is not working?
First, confirm that you are using your registered SIM and have a working GSM network connection. You can also restart your phone, try *5573# again, and wait if the service is temporarily unavailable.
Can I reset my Moniepoint USSD PIN?
Yes. Dial *5573*6# and follow the instructions shown by the USSD service.
Can I use Moniepoint USSD on multiple phones?
The registered SIM is required for USSD access. You can place that SIM in another compatible phone and use the Moniepoint USSD code from there.
Final Thought
The right choice depends on what matters most for your banking needs, whether that is offline access, quick transfers, balance checks, or convenient account management.
- Moniepoint USSD:
*5573#| Learn More
For quick offline banking, start with *5573#. For a direct transfer, use *5573*1*Amount*AccountNumber# and carefully confirm the transaction details before entering your PIN.
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