GTBank USSD Codes for Transfer, Airtime Subscriptions and Payments

These are latest and complete GTBank USSD Codes for initiating and completing Banking transfers, airtime subscriptions, bill payments and other functions for Guaranty Trust Bank (GTB) customers.


Open an Account with GTBank (GTB) USSD Codes

Simply dial *737*0# and follow the onscreen prompts. An account number will be created automatically and sent to you via SMS. Account opening forms are NOT required for the signup process. Once you sign up, look out for your ten-digit account number (NUBAN). You can also use your phone number as your account number at GTBank branches, GTExpress outlets.

Benefits & Features

  • One time visit for authentication and BVN linking
  • Open an account without completing any form.
  • Save on a daily, weekly or monthly basis at a yearly interest rate of 3.9%.
  • Deposit and withdraw money at GTBank branches, GTExpress locations.
  • Maximum deposit per transaction is N50,000
  • Maximum account balance is N300,000
  • No airtime or data needed to open an account


You can now reactivate your GTBank Account using USSD code in just 4 easy steps.

Reactivate your Account

  • Simply dial *737*11# on your mobile number registered with the Bank.
  • Input your Bank verification number (BVN)
  • Input Account Officer code (if known) or press 1 to continue
  • To complete your account reactivation, initiate a transaction by buying at least N100 airtime
  • Now that your account is active, you can do more with Bank 737


Funds Transfer with GTBank USSD Codes

To make transfer of funds to GTBank Account

Dial *737*1*Amount*NUBAN Account Number# (e.g. *737*1*1000*1234567890#) from the phone number you registered with GTBank, then follow the on-screen prompts.

Transfer to other Banks

Dial *737*2*Amount*NUBAN Account Number# (e.g. *737*2*1000*1234567890#) from your phone, then authenticate the transfer with 737 PIN created, hardware token or last four digits of your GTBank debit card.


  • It’s a convenient way to send money
  • *737*transfer is available 24/7
  • The entire transaction process takes about 10 seconds
  • With *737*transfer, you can transfer to other Nigerian banks
  • Daily transaction limit of N1,000,000
  • Works with phone numbers registered with GTBank
  • Subject to phone network signal
  • Money is deducted directly from your GTBank account
  • Transaction requires the last four digit of your Naira MasterCard (Debit card)
  • A one off indemnity is required for transactions above ₦100,000.


Airtime & Data Top-up with GTBank USSD Codes

Self Top-up Airtime

Simply dial *737*amount# on your phone (e.g. *737*1000#) to buy airtime.

To Top-up Airtime for a Friend

To send airtime to a third party or to a friend, simply dial *737*Amount*Recipient’s number# (e.g. *737*1000*08023456789#)

For Self & third (3rd) Party Data Top-up

Simply dial *737*4# on your phone and follow the on-screen prompt.

What you stand to gain:

  • It’s quick and simple to use
  • Airtime can be bought 24/7
  • The entire process takes about 10 seconds
  • Airtime is loaded as soon as the process is completed
  • The phone number where the purchase is made from MUST be a number registered with GTBank.
  • The service is available to Glo, MTN, Airtel and Etisalat subscribers
  • The money is deducted directly from your GTBank account
  • Daily recharge limit is N10,000


Checking your Account Details with GTBank USSD Code

To check for the account balances on any of your accounts, your BVN or account number, all you need to do is simply dial; *737*6*1# on your mobile phone and follow the on-screen prompts.


  • Fast, convenient and simple
  • No need to enter the banking hall or fill any forms
  • Check your account balances anywhere…
  • Features
  • Online real-time display of balances on all your accounts
  • Get your BVN & account number on the go


Create a Transaction PIN

Simple banking just got more secure.

You now require a 4-digit PIN to complete your 737 transactions.


  • Dial *737*5#
  • Input the last 6 digits of your Debit Card
  • Create your 4-digit PIN


SKS Standing Instruction

Sometimes life gets so busy that you may forget about the little things that make all the difference; like saving regularly for your child.

Fortunately, it’s quite easy to never miss out on saving for your child. All you need to do is place a Standing Instruction for the transfer of any amount from your account to your child’s SKS account and we will do the rest.

You can set up a standing instruction for your child’s SKS account by using Bank 737 or through Internet Banking.

Set up a Standing Instruction using 737

  • Simply dial *737*52*AMOUNT*26#.

How to Set up a Standing Instruction through Internet Banking

  • Log on to internet banking
  • Select Account Transfers on the left-hand menu
  • Click Standing Order to GTBank Account
  • Select New Standing Order and complete the fields required.

It takes less than five minutes to place a Standing Instruction. So, start saving today, for your child’s tomorrow.


The GTBank USSD Code Cashout Service

Withdraw funds at any TOTAL Service Station

  • Simply dial *737*50*Amount*50# on your mobile phone.
  • Input the unique Station code (SAP Code)
  • Input *737# PIN or the last 4 digits of debit card to authorize transaction
  • Your account is debited immediately and Total gets credited

Both parties receive an SMS and cash is released


Bill Payment (LCC Toll)

You can now top up your LCC Toll account with ease using *737#.

Pay for your LCC Toll

  • Simply dial *737*50*Amount*108#
  • Enter your E-Tag code
  • Receive instant value


How to pay bill with GTBank USSD Codes

With GTBank USSD Codes, merchant payment is made with ease.

You can easily pay profiled merchants by simply dialing *737*35*Amount*Merchant Code# e.g. *737*35*1500*0123#.
Kindly ask merchant for his/her GTBank merchant code to make payment.


  • The phone number to be recharged MUST be a number registered with GTBank
  • The money is deducted directly from your GTBank account
  • It’s quick and simple to use
  • The entire process takes about 10 seconds
  • Merchant account will be credited immediately


Bill Payment (Swift Network Subscription)

Pay your Swift network subscriptions with ease.

You can easily pay your subscriptions from anywhere you are by simply dialing *737*50*Amount*4# e.g. *737*50*7500*4#.
More billers (merchants) to be added soon!


Electricity Bills payment

Pay your electricity bills with ease.

To Pay for your Electricity Bills

You can now pay your electricity bills anywhere and anytime by simply dialing any of the disco codes below Eg. *737*50*7500*95#.

Service USSD Codes
Port Harcourt Prepaid   *737*50*Amount*95#
Port Harcourt Postpaid   *737*50*Amount*96#
Eko Prepaid   *737*50*Amount*151#
Eko Postpaid   *737*50*Amount*152#
Ibadan Prepaid   *737*50*Amount*137#
Kano Prepaid   *737*50*Amount*93#
Kano Postpaid   *737*50*Amount*94#


What  you stand to gain:

  • It’s quick, simple and convenient to use
  • The entire process takes about 50 seconds
  • No data is required to perform the transaction.
  • It works on every phone type – No smart phone needed.
  • Payment can be made from the comfort of your home.
  • The money is deducted directly from your GTBank account
  • Transaction can only be done from phone number registered with GTBank.
  • Meter Number to be recharged/topped up is required.
  • Value is given to Meter Number inputted in the course of transaction.
  • You can recharge up to the tune of ₦ 1 Million daily.
  • No data required


Bill Payment (StarTimes Subscription)

This is how you can pay for your StarTimes cable subscriptions with ease using GTBank USSD Codes, and you can still make use of other Mobile Transfer Options.

How to pay Subscription

You can easily pay your subscriptions from anywhere you are by simply dialing the *737*37*Amount*Decoder Number# e.g. *737*37*2500*00123456789#.

More billers (merchants) to be added soon!

Benefits and Features

  • The phone number to be recharged MUST be a number registered with GTBank
  • The money is deducted directly from your GTBank account
  • It’s quick and simple to use
  • The entire process takes about 10 seconds


GTBank USSD Codes for Airtime Advance

With the 737 Airtime Advance, you can be rest assured that your important conversations will never be cut short because of lack of airtime.
And the 737 Airtime Advance is open to prequalified GTBank salary account holders who can borrow up to N5,000 airtime and pay at month end.

To request for airtime loan, simply dial *737*8*1#, follow the prompt and authenticate with the last 4 digits of your GTBank Naira MasterCard


Salary Advance

As a pre-qualified salary account holder, you can get up to 50% of your monthly salary as an advance to meet your urgent financial needs but it is very simple.

For Instant access, simply dial *737*8*2# from your registered phone number with the bank to apply.


Withdraw Cash without your Debit Card

With Bank 737, your cash withdrawals just got easier.

No GTBank debit card required, simply dial *737*3*Amount# and follow the prompt to generate your withdrawal code and authenticate your request with your 737 created pin.

Enter the withdrawal code generated into any GTBank ATM to retrieve cash.


Find below GTBank USSD Codes for Fast Tracking Deposit

The 737 Fast Track Deposit enables customers make deposits using the Fast Track points in the Banking Halls without without the need to fill the deposit slip or use a Debit Card.

For Instant access, simply dial *737*48*Amount*Account Number# from your registered phone number with the bank to initiate.

You can proceed to the bank teller to deposit cash.


One Time Password (OTP) with GTBank USSD Codes

You can now generate an OTP using *737*7# to make a quick transaction on-the-go without your banking token.


  •  To receive a one-time token for transactions on Internet banking, Mobile Banking App or GTWorld only.
  • Can validate transactions of up to N500,000
  • Valid for 120 seconds
  • Requires the 737 created PIN to authenticate transaction.
  • Benefits
  • No need for hardware token
  • Generate anywhere, anytime
  • Easy to use


GTBank USSD Codes for Enquiries

  • Simply dial *737*6# to make enquiries on the following:
  • Account balances, BVN & Account Number (*737*6*1#)
  • Loan balances (*737*6*2#)
  • Card status (*737*6*3#)
  • Cheque book status (*737*6*4#)


Join over 30,000 Subscribers for Free!
Enter your email and start getting Free Scholarships and Job Updates as we share.
I agree to have my personal information transfered to JobReaders ( more information )
We respect your privacy

Leave a Reply