GTBank USSD Code 737

Turning a Petrol Station to a Bank and More You Don’t Know GTBank USSD Code 737 Does

GTBank USSD Code 737 is popular for quick money transfer and mobile recharges.

Little did you know this shortcode is much more powerful than just these two.

Imagine taking a loan using it or withdrawing from your account using a petrol filling station?

That is the power of this ‘737’ mobile banking solution unravelled in this guide.

 

Nigeria has a growing population and still, over 50% of them do not have access to the internet.

That said of the 50% that has access to the internet, they still suffer from a very poor connection.

In order to serve these growing number of people with no access or poor network, financial institutions are looking for means to serve their customers better.

One of such big hits is the GTBank USSD Code introduced by the Guaranty Trust Bank.

 

GTBank USSD Code Information – *737#

The piece of information to use the shortcode for transacting as a Guaranty Trust Bank customer is recorded in the table below:

Unique Short Code*737#
Year Introduced2015
Bank NameGuaranty Trust Bank

 

This is such an in-depth guide. You can skip to a topic of choice by using the button below.

Using the GTBank USSD Code

GTBank USSD Code 737 Logo

There exist different modules for using the unique shortcode for the transaction.

Each of the modules all starts with the *737*… prefix but you can access all of them by just dialling *737#.

You should get yourself used to all the shortcodes that apply to different kind of transactions for a better experience.

Here below are the different USSDs for all the important transactions as a Guaranty Trust Bank customer.

These shortcodes doesn’t apply to GTBank customers only. You can also open a new account.

GTBank USSD Code for Opening a New Account – *737*0#

This is only required if you do not have a GTBank account.

If you already have a GTBank account, you are automatically eligible to use the 737.

Your linked mobile number to an existing account is already Bank 737 enabled.

If you do not have an account, you should follow the steps below to open one:

  • Dial *737*0#
  • You will be required to select from two options that include using your BVN which will automatically pull your bank verified data or use the supply direct data option
  • If you select the BVN option, you will be welcome with a prompt that has your name asking to continue or not
  • If that is fine to you, proceed to continue to set up your account which includes setting your mPIN
  • If you chose the second option, you will manually have to provide your KYC information which is more time consuming but worth the time if you have never opened a bank account
  • Once you have provided the required information and set up an mPIN, your account number will be generated and forwarded to your mobile number

 

Funding 737 Account Number

Once you have an account number, you can fund it using the following medium:

  • Bank Walk-in: you can check in to any GTBank branch to pay in some money into your new account number
  • Mobile Money Agent: if you do not have a branch close to you, you can use any mobile money agent around your area to fund your account
  • Peer to Peer: you can also ask your friend or anyone to transfer money to account number in exchange for your cash
  • You to You: this is our coined term for transfers that involves two different accounts belonging to you. You can transfer funds from your existing account to your new GTBank account

 

GTBank USSD Code to Check Account Balance – *737*6*1#

This is required for knowing the money remaining on your GTBank account.

The steps involved are:

  • Dial *737*6*1#
  • You will be required to provide your mPIN or the last four digits of your debit card
  • Once you provide and send a request, an SMS will be forwarded to you with the balance on your account

 

GTBank USSD Code for Money Transfer

The unique shortcodes for this module differ depending on the bank account number receiving the money.

 GTBank Account Number

  • Dial *737*1*amount*account number# from your registered phone number
  • There is name validation that comes to ensure you are not sending to the wrong account
  • Once you are satisfied with the validation, proceed by providing your PIN
  • Once the PIN is valid and transaction completed, your account will be debited to credit the receiving account
  • Sometimes, it can be slow (not immediate) for the recipient to receive transfers using USSD but definitely, the money will get there

 

Other Bank Account Number

  • Dial *737*2*amount*account number# from your registered phone number
  • You will then select the bank name from the list that pops up
  • There is also a name validation that comes to ensure you are not sending to the wrong account
  • Once you are satisfied with the validation, proceed by providing your PIN
  • Once the PIN is valid and transaction completes, your account will be debited to credit the receiving account
  • The recipient might not receive the credit immediately but definitely, the money will get there

Note: there is a daily limit of N100,000 maximum for bank transfer services

 

GTBank USSD Code for Mobile Recharge

If you want to recharge your mobile number or that of a friend, you can do so using the 737 mobile banking solution.

Depending on what you want to do, the following applies.

Airtime Recharge GTBank USSD Code

For airtime recharge, the processes differ for self-recharge and that you want to do for someone else.

Airtime Self-Recharge

  • Simply dial *737*amount#
  • This is usually immediate and might not request for your mPIN
  • Caution, make sure to crosscheck the amount you want to recharge so that you don’t recharge yourself ₦50,000 while in a hurry trying to do just ₦500

 

Airtime Recharge to Another Mobile Number

  • Simply dial *737*amount*phone number#
  • You will need to authenticate this transaction by providing your PIN or the last four digits of your debit card
  • Caution, make sure to crosscheck the amount you want to recharge so that you don’t recharge it above what you intend to

 

Data Recharge GTBank USSD Code

This is required for recharging your mobile number or that of a friend with data for internet access.

It also involves two options.

Self-Data Recharge

If you want to recharge your registered mobile number with data, follow the steps below:

  • Dial *737*4*datacode#
  • If you don’t know the data code, you can just dial the direct *737*4# and select the applicable option
  • This is also immediate as in the self-airtime recharge so, make sure to crosscheck before completing the transaction to avoid over recharging

 

Data Recharge to Another Mobile Number

If you want to recharge another mobile number with data, follow the steps below:

  • Dial *737*4*datacode*mobile number#
  • If you don’t know the data code, you can just dial the direct *737*4# and select the applicable option
  • You will be required to provide your mPIN or the last four digits of your debit card number
  • Once validation completes, your account will be debited to credit the mobile number with data

 

How to Withdraw Cash from your 737 GTBank USSD Account

This type of account is on your phone for convenience. You can also withdraw cash from it to use offline.

After all, mama akara and akamu might not be savvy, she’ll prefer to see her money before handing you a breakfast.

There exist multiple options for you to withdraw from your GTBank 737 mobile banking account.

Use one of the following channels for withdrawal.

 

ATM Card

The GTBank 737 USSD mobile banking account is eligible to use ATM card.

Simply walk into any branch and request for one.

Depending on your branch, it could take from 30 minutes to a week or more for a new one to be issued.

 

Cardless Withdrawal

This is a medium that enables you to take out money through any GTBank ATM or one enabled with Quickteller services.

 You simply generate a cardless withdrawal code using the steps below:

  • Dial *737# and select option 8 or that which has the option for cardless withdrawal
  • You will need to select either GT Rescue or Paycode
  • GT Rescue means you will be using a GTBank ATM to make the withdrawal while Paycode is any enabled with Quickteller services
  • If you don’t have a GTBank ATM around your area, you should choose paycode provided there is an ATM within that has Quickteller option
  • You will then supply the amount to be withdrawn next
  • In multiples of N1,000 for ATM withdrawal or less than or more for POS option if you choose the paycode option. POS is not listed for GT Rescue
  • Next, you will have to choose which is the channel between ATM and POS
  • For paycode, you will need to enter a four digits withdrawal PIN for use at the ATM or POS
  • Once that is done, your PIN or the last four digits of your debit card will be required to authenticate the transaction
  • Once authentication completes, an SMS will be sent to your registered mobile number with your withdrawal code
  • Your account will not be deducted for creating withdrawal codes. It is free until you make a withdrawal

 

Using your withdrawal Code

  • Simply visit any GTBank ATM or any enabled with a Quickteller option
  • Select GT Rescue or Paycode for Guaranty Trust Bank ATMs. On some other banks, you will have to select Quickteller or Cardless Withdrawal depending on the configuration
  • Enter your withdrawal code and supply your withdrawal PIN given at the point of creating the withdrawal request (for paycode)
  • You will then have to supply the amount to be deducted in multiples of ₦1,000. You can decide to withdraw ₦2,000 if your code is valued for ₦5,000. The code will still be valid until you exhaust the value in it
  • Once authentication completes, your account will be deducted and the requested amount will be issued to you

 

Mobile Money Agents

You can also utilize the services of any nearby mobile money agent to withdraw from your account.

Understand this might cost a bit higher depending on the agent but an option if there is no ATM or GTBank branch nearby.

 

Peer to Peer Transfer

GTBank USSD Code 737 Peer to Peer

This involves transferring from your GTBank 737 mobile banking account to another person’s account in exchange for cash.

You will simply fund the person's account and the physical money will be given to you by the transfer recipient.

 

GTBank Walk-in

If there is a bank branch close to you, you can walk inside for cash withdrawal.

Simply pick a withdrawal booklet and fill in the required amount to be withdrawn and hands it over to a checking officer.

 

Cashout using Total Filling Stations

GTBank USSD Code Total Filling Station Cashout

You can also withdraw at any Total Filling Station close to you.

Exciting, isn't it? That is the power of this GTBank USSD Code.

To use this service, kindly visit a checkout point of any Total Filling Stations and use the following steps:

  • Dial *737*50*amount*SAPCode#
  • You will be required to provide a station unique identifier in the SAP field to continue. Kindly ask station cashier for this information
  • You will then authorize the transaction using any of your four digits PIN or the last four digits of your debit card number
  • Once authorized, your account will be debited and the cashier will then hand over cash to you upon confirmation

 

Other Features of using GTBank USSD Code

  • The account comes with an interest rate of 3.9% on a yearly basis
  • You can pay in maximum N50, 000 per transaction limited to a maximum N300,000 account balance
  • The maximum you can withdraw on daily basis is N100,000 limited to N20,000 withdrawal limit per transaction
  • If you are a salary earner that meets the requirements, you can request for a loan or what it calls salary advance by dialling *737*8*2#

 

Charges Using GTBank USSD Code *737*

Despite being a good option, not all services come at zero transaction fee.

In the following table, we have summarized all charges involved using each of the GTBank USSD codes:

SERVICETRANSACTION FEE
Account OpeningFree
Check BalanceN5
Airtime Recharge SelfFree
Airtime Recharge OtherFree
Data Recharge SelfFree
Data Recharge OtherFree
Money Transfer GTB to GTBN20 + N1 VAT
Money Transfer GTB to OtherN50 + N5 VAT
Cardless WithdrawalN100
Salary AdvanceFree
Fast Track DepositsFree
EnquiriesVaries
Airtime AdvanceFree
Bill PaymentsN100
Token GenerationFree
Total Filling Station CashoutN100

 

 

GTBank USSD Code Summary Table

If you were skipping, below is the summary table for all unique codes applicable to the different kind of transactions available using the GTBank USSD Code 737 mobile banking solution:

SERVICESHORTCODE
Account Opening*737*0#
Check Balance*737*6*1#
Airtime Recharge Self*737*amount#
Airtime Recharge Other*737*amount*phone number#
Data Recharge Self*737*4*datacode#
Data Recharge Other*737*4*datacode*mobile number#
Money Transfer GTB to GTB*737*1*amount*account number#
Money Transfer GTB to Other*737*2*amount*account number#
Cardless Withdrawal*737*3# for GT Rescue
Salary Advance*737*8*2#
Fast Track Deposits*737*48*amount*account number#
Enquiries*737*6#
Airtime Advance*737*8*1#
Bill Payments*737*50#
Token Generation*737*7#
Total Filling Station Cashout*737*50*amount*50#

The GTBank USSD Code solution no doubt opens a lot of opportunities.

If you live or found yourself in a rural area where there are poor network and few accesses to financial institutions, it helps.

With this, the bank gives more to the customers and improves access to financial services especially the excluded population.

By the way, we can't stop loving that amazing commercial song/video:

 

 

Feel free to drop your feedback using the comment box below.

And do not forget to share to help people access easier means to using financial services.

  
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