Category: Mobile Banking

How to Buy Airtime from UBA, GTBank & More
I went to several shops before I was able to get a physical recharge card, the last time. This happened in an urban area. Imagine finding yourself in a rural area and running out of airtime. You may not find a place to buy one. I realized I needed an alternative means of topping up my airtime. The USSD method became the perfect solution. Using the USSD code to buy airtime from my UBA account was quick and easy. It took less than 10 seconds. USSD banking is the best shortcut everyone need for recharging. You avoid the stress of buying, scratching, and manually loading a physical recharge card. One surprising aspect is that you can recharge any mobile network. Your banking system automatically detects the phone number network you provide for the corresponding airtime service. With that update, this article will walk you through how to buy airtime from UBA, GTB, Zenith, Stanbic, First Bank, Access bank, Fedility, and others. USSD banking is strictly the method you’ll learn here to buy airtime from your bank conveniently.

How to Use Mobile Banking for Airtime Top-Up
1. Visit your bank to link your phone number to your active account.
2. Create a secure transaction PIN.
With the above requirements completed, you are ready to start buying airtime directly from your bank account to your phone number.

How to Buy Airtime from Your Bank

GTBank (GTB)

If you hold an account with GTBank, here’s how you can recharge your phone or a third party:
- For yourself: Dial *737*amount# (e.g., *737*500#), then press send.
- For a third party: Dial *737*amount*phone number# (e.g., *737*1000*08038769638#).
It’s that easy to buy or gift airtime from a GTB account. You can learn how to create your GTB secure PIN here.

First Bank

Nigerians with First Bank accounts can also recharge directly from their account balance using the USSD phone banking solution.
- For yourself: Dial *894*amount# (e.g., 894*1500#) and press send.
- For others: Dial 894amountreceiver’s phone number# (e.g., *894*1200*08038769638#).
  The airtime will be instantly credited to the recipient’s phone.
This article will guide you on how to create First Bank secured ussd transaction PIN.

UBA (United Bank for Africa)

UBA customers can use the USSD code *919# to purchase airtime. Before using this service, ensure that your mobile number is registered with the bank.
- For yourself: Dial 919amount# (e.g., *919*1000#) and send.
- For others: Dial *919*amount*third-party phone number# (e.g., *919*1500*08038769638#). Follow the prompts and enter your secure PIN to complete the transaction.
Personally, I prefer the UBA USSD method for airtime top-up because it doesn’t require internet or data usage. So if I’m out of airtime, I can load at any time.

Zenith Bank

Zenith Bank customers can also recharge their phone using the following USSD codes:
- For yourself: Dial 966amount# (e.g., *966*500#) and press send.
- For others: Dial *966*amount*recipient’s phone number# (e.g., *966*1000*08038769638#). Follow the on-screen instructions, enter your Zenith transaction PIN, and the airtime will be credited to the recipient.
If you haven’t set your Zenith PIN, dial 96660#, then follow the prompts to create a PIN using your ATM card number and ATM PIN.

Stanbic IBTC

Stanbic IBTC customers can also recharge via USSD.
- For yourself: Dial *909*amount# (e.g., *909*2000#). Your recharge will be credited immediately.
- For others: Dial *909*amount*recipient’s phone number# (e.g., *909*3000*08038769638#). Enter your secure PIN to complete the transaction.
For new users, you can learn how to create your 909 PIN here.

FCMB (First City Monument Bank)

To recharge from FCMB, ensure you activate your mobile number with the bank to use the *329# service.
- For yourself: Dial *329*amount# (e.g., *329*1750#).
- For others: Dial *329*amount*third-party phone number# (e.g., *329*2500*8038769638#).
Sterling Bank

Sterling Bank customers can recharge using the following USSD codes:
- For yourself: Dial *822*amount# (e.g., *822*1000#).
- For others: Dial *822*amount*recipient’s phone number# (e.g., *822*5000*08038769638#). The recipient will receive the airtime instantly.
Union Bank

Union Bank’s USSD code for airtime purchase is *826#.
- For yourself: Dial *826*amount# (e.g., *826*2000#) and press send.
- For others: Dial *826*amount*recipient’s phone number# (e.g., *826*2000*08038769638#). You will be prompted to enter your USSD PIN to complete the transaction.
Unity & Wema Bank
- Unity Bank: Dial *7799*amount# for self-recharge (e.g., *7799*1000#). For others, dial *7799*amount*recipient number#.
- Wema Bank: Dial *945*amount# for self-recharge. For others, dial *945*amount*phone number# (e.g., 9451000008038769638#).
Access Bank

Do you have an account with Access Bank? If you do, topping up airtime is quick and easy. You can also recharge other people’s mobile numbers. Below is how to use Access Bank’s USSD code:
- For self: Dial 901amount#
- For others: Dial 901amount*person’s number#. Follow the instructions, and the recipient will receive the credit instantly.
Fidelity Bank

Last but not least, you can buy airtime from your Fidelity Bank account using USSD.
- Self top-up: Dial 770recharge amount#
- Top-up for others: Dial 770amount*mobile number#.
Benefits of USSD Mobile Banking

USSD banking is a secure and convenient way to access your bank via your phone without any internet connection. You can check account balances, top up airtime, transfer money, and more. It works on all mobile devices, from basic phones to smartphones, saving you time.

Most Frequently Asked Questions

1. Will I pay any charges for using bank USSD services?

Yes, you will be charged a small fee, usually no more than 10 naira per transaction.

2. How do I start using my bank’s USSD service?

It’s simple! Visit your bank to link your mobile number to your account, create a secure PIN, and then use the corresponding USSD code from the list above to access services.

Conclusion

Buying airtime from any Nigerian bank to your phone is now made simple and easy. The various USSD codes for mobile banking make the process quick, and you’ll receive your airtime almost instantly. Thank you for reading through this guide!
January 27, 2025
How To Get 5 Digit PIN For First Bank Transfer
If you want to transfer money from your First Bank account, but haven’t set up your 5-digit PIN, you need to do so. But if you’re unsure how to get a 5-digit PIN for First Bank transfers, worry less. This guide will help you set up your PIN and use it for transferring funds.

Additionally, the first bank 5-digit PIN is also needed to top up airtime or subscribe to a data plan from your account. Therefore, it is important to set up your PIN for emergencies or urgent use.

What Are The Requirements?

You must have an active phone number linked to your First Bank account.

A valid ATM card.

How to Create/Set Up Your 5-Digit PIN

The process involves using the USSD code 894*0# to register for a five-digit PIN. Follow these quick and easy steps to create your pin now:

Dial *894*0# from the mobile phone with the SIM card linked to your First Bank account.

Select 2 (i.e., register for 894 banking).

If you have more than one account or debit card with First Bank, a list of debit cards will be displayed.

From the list, select your preferred debit card.

Enter your ATM card’s 4-digit PIN.

Create a new 5-digit PIN by typing five digits that you can easily remember. You will be prompt to confirm the 5-digit PIN by typing it a second time.

Press “OK” to complete the process.

Immediately, you will receive a pop-up on your screen confirming that you have successfully set up your 5-digit PIN.

This resource will teach you the easiest way to transfer money from First Bank to another bank once you have set up your transfer PIN.

Safety & Security Tip

The 5-digit Personal Identification Number (PIN) you set for your account should not be disclosed to anyone. Do not save it in your phone contacts. Instead, you can write it in a diary or book that nobody can easily access or decode. Additionally, if you accidentally expose your PIN to someone while making a transaction, ensure you reset the PIN immediately.

Here’s how to reset your First Bank 5-digit PIN:

Dial 894*0#.

Select 3 (reset PIN).

Enter the 4-digit PIN for the ATM card linked to your account.

Enter a new 5-digit PIN, confirm it, and press “OK/Send.”

You will receive a message confirming that your PIN has been successfully changed.

You can also use this procedure to reset your PIN if you forget your First Bank transfer PIN.

What is the 5-Digit PIN for First Bank Transfer?

This PIN is a secret code you need each time you want to transfer money or buy airtime from your bank account. To set up your PIN, you can visit any First Bank branch. Locate the customer service desk and make your request. However, to save you time and the effort of going to the bank, you can follow the method outlined above to set up your 5-digit PIN in less than a minute.

Remark:

#1. To create first bank 5 digit pin, dial *894*0# and follow these steps.

#2. If you forgot your pin, also dial *894*0# and follow this guide.
January 22, 2025
How To Check Your First Bank Account Balance
In today’s fast-paced world, checking your account balance remotely is easier than ever. If you bank with First Bank, this guide will teach you how to check your First Bank account balance through different methods.

Monitoring or keeping an eye on your bank transactions or savings is crucial. It helps you manage your spending and also detect any fraudulent activity by unauthorized parties.

First Bank Nigeria has made it simple and convenient for account holders to check their balances online, anytime and anywhere, without needing to visit a branch. Here are the different ways you can view your account balance:

How to Check Your First Bank Account Balance

USSD Code

Mobile App

FirstOnline Banking

1. USSD: The Most Dynamic Method

This is the simplest method for retrieving your account balance from First Bank’s database using a short customized code. You don’t need a smartphone or internet connection. Any phone will work, whether it’s a regular feature phone, Android, or iPhone. The code to use is *894*00#. Here’s how it works:

1. Open your phone’s dialer.

2. Dial 894*00#.

3. Press “OK” or “Send.”

Wait a few moments, and you will receive a message with your current balance.

2. FirstMobile App To Check Your Account Balance

If you have a smartphone or iPhone, the First Bank Mobile App not only allows you to check the available balance in your account but also provides more options. The FirstMobile app is more interactive and user-friendly than the USSD method but requires an internet connection.

To get started, download and install the First Bank mobile app. For Android users, you can download the app from the Google Play Store, and iPhone users can get it from the Apple App Store.

Once installed, launch the app. If it’s your first time, you’ll need to set up your account by clicking on “Register.” Follow the instructions to complete the process, which usually involves entering your ATM card number and PIN to set up your five-digit mPIN.

After setting up, log in using your mPIN. Your account balance will be displayed immediately on the screen.

3. FirstOnline or Online Banking

With FirstOnline, you can check your account balance and access more services than the FirstMobile app offers. In essence, FirstOnline gives you comprehensive control over your account management.

To start using FirstOnline, visit any First Bank branch to set up your login username and password. Once these credentials are sent to your email, you can visit the First Bank website.

1. Go to the First Bank website and click on “Secure Login.”

2. Enter the username and password sent to your email by First Bank customer care.

3. After logging in, your current balance will be displayed on the screen. Remember to change your password (it’s recommended to use a strong password) for security reasons.

Tips:

The methods described above show how to check your First Bank balance via phone and online. Each of these tools is easy and convenient to use, but the best method may depend on your preferences.

Here’s what you should consider:

USSD banking is compatible with any mobile phone and doesn’t require an internet connection. It’s simple to use—just dial *894*00# to check your account balance.

Mobile banking is ideal for those with smartphones and an internet connection. The mobile app provides convenience, a user-friendly interface, and additional features.

FirstOnline banking offers a comprehensive experience for accessing more banking features. You can view your balance, customize your transaction history over time, and even generate customized bank statements.

Conclusion

All of these methods—USSD, mobile banking, or FirstOnline—offer a seamless way to check your First Bank account balance. Choose the method that is most convenient for you. While First Bank Nigeria is committed to providing different solutions to help you keep track of your account balance and avoid losing money, incurring undue charges, or making poor financial decisions, it is important to regularly check your balance to protect your investment.

So the take home, if you can learn how to check your first bank account balance, it will help you manage your fund appropriately and also monitor fraudulent activity.
January 21, 2025
How To Borrow Money From Opay : Quick 3 Steps
A Step-by-Step Guide on How to Borrow Money from the OPay App and Have the Money Credited into Your Bank Account Immediately.

In today’s Nigerian economy, a significant portion of the population turns to borrowing apps like OPay to secure a quick loan. The inflation rate is really draining people’s pockets, especially those on a fixed salary with no extra source of income. Imagine going to the market to buy something today at a rate of N50, and in the span of 48 hours, the price of that same item has doubled to N100, while your salary or income remains the same. Surprisingly, some people exhaust their entire monthly income within one or two weeks, and month-end is still far off. This is where the thought of borrowing begins, as you need to sustain yourself until the next salary is paid. With no money in your pocket or bank account, an OPay loan could be your next lifeline. Borrowing from OPay is easy and straightforward. There’s no waiting time. As soon as you initiate and complete the process correctly, the money lands almost immediately. This step-by-step guide will show you the 1, 2, 3 steps to get a quick loan from OPay today.

What is OPay?

OPay is a mobile financial app providing services such as savings, money transfers, airtime top-ups, data, and other utility bill payments. OPay has third-party apps such as Okash and EasyMoni, which allow OPay users to access quick loans directly from their phones.

How to Borrow Money from OPay: A Step-by-Step Guide

Let’s get started!

What Are the Requirements?
- Must be a citizen of Nigeria
- Be 18 years or older
- Have a valid means of identification such as NIN (National Identification Number) and a BVN (Bank Verification Number)
Note: Your BVN is secure with OPay. The app uses secure features to encrypt your details, so it won’t be exposed.

Step 1: Download the OPay App

The app is available on Google Play Store for Android users and the App Store for iPhone users.

Step 2: After Installation

Create an account using your active phone number. Enter your personal details accurately. Follow the on-screen instructions to verify your facial identity. You will also be prompted to create a transaction PIN, which you will need every time you transact with OPay.

Step 3: Apply for an OPay Loan

After verifying your account, navigate to the app interface and look for the “Loan” section, then click on it. You will see the loan amount you are eligible for. Fill in the required details, including the names and contact information of two persons.

Note: The people you list won’t be contacted unless you fail to repay your loan.

Enter the loan amount and repayment time frame. Review the details to ensure everything is correct and agrre to the terms. Then click “Apply.” Your loan application will be reviewed. Generally, loans are approved immediately, and the money will be credited to your OPay account.

Who Can Apply for an OPay Loan?

Once you are active and transacting on the app, you are qualified to apply for a loan. The eligible loan amount you can access is determined by OPay’s system, based on your activities and transaction history.

What is the Interest Rate for OPay Loans?

The OPay loan interest rate ranges from 3% to 15%. A 3% interest rate applies to short-term loans, while 15% is charged for long-term loans.

Reasonable Borrowing Advice
- Do not borrow what you cannot repay. Even if you are eligible for a loan of N100,0000 (or more), only borrow what you can comfortably repay.
- Choose a repayment plan that is suitable for your income and won’t strain your finances. It is advisable to spread the loan repayment over at least six months. However, the longer the repayment period, the higher the interest rate.
- Even if you have the money, do not wait until the repayment date to pay. Paying earlier increases your chances of being approved for new loans in the future.
What is the OPay USSD code for mobile banking?

Dial *955# and follow the prompts for whatever service you want to carry out. It allows for transfers, recharging of airtime, buying data, paying subscriptions, applying for loans, and more.

Conclusion

OPay loans are among the fastest to obtain, and they offer interest rates that are not burdensome. Once you register and verify your account with your BVN, a few transactions will qualify you for a loan. From creating your OPay account to applying for a loan, this article has explained the process in detail. As such, it serves as a clear guide for anyone who needs to borrow money urgently.
January 18, 2025
How To Transfer Money From Stanbic Bank
Stanbic IBTC Bank Nigeria is a financial institution committed to providing exceptional customer support. The bank operates with high standards and prioritizes customer satisfaction. One innovative feature introduced by Stanbic IBTC is the USSD code *909# for virtual money transfers, enabling customers to send money anytime and anywhere conveniently. If you are a Stanbic IBTC customer but are unfamiliar with this feature or don’t know how to transfer money from Stanbic Bank to another bank or even within the bank, this guide will walk you through the process.

How to Transfer Money Using Stanbic Bank’s USSD Code

Personal Experience with the Stanbic USSD Code
There was a time I made an installment payment at a vendor where I purchased a gadget. A Stanbic account was opened for me, and I assumed it was the designated account for my installments. However, I later discovered it was a personal account and not suitable for payments.

Since I had already credited the account, I needed to withdraw the money to pay the correct service provider. At the Stanbic branch, I was informed that the account needed to be upgraded to allow over-the-counter withdrawals or ATM access. However, as the matter was urgent, I was advised to transfer the funds using the USSD code after setting up my transfer PIN.

Following the instructions, I successfully transferred the funds to another bank. The process was seamless, and the support I received was excellent. Now, I want to help you learn how to transfer funds using Stanbic’s USSD code.

Requirements for Using the Stanbic IBTC USSD Code

To use the USSD code, you need:
- An active savings or current account with Stanbic IBTC Bank. In addition, a registered phone number linked to your Stanbic account.
How To Transfer Money Within Stanbic Bank:
1. Dial *909#.
2. Select 1 to continue.
3. From the fund transfer menu, select Transfer to Stanbic Bank.
4. Choose the account you want to transfer from.
5. Enter the amount you wish to transfer.
6. Enter the Stanbic Bank account number of the recipient.
7. Enter your transfer PIN.
Alternatively: Dial *909*11*Amount*Stanbic Bank Account Number#, e.g., to send N1000, dial *909*11*0060084640#. Follow the on-screen prompts to complete the transfer.

How To Transfer Money To Other Banks Using Stanbic USSD Code:
1. Dial *909#.
2. Select 1 to continue.
3. Select 4 for transfers.
4. Choose Transfer to Other Banks.
5. Select the account you want to transfer from.
6. Enter the amount to send.
7. Input the recipient’s account number.
8. Select the recipient’s bank.
9. Review and confirm the recipient’s details.
10. Enter your Stanbic transfer PIN and press send.
11. You will receive a confirmation message that the transfer was successful.
Alternatively: Dial *909*22*Amount*Other Bank Account Number#, e.g., to send N2000, dial* 909*22*8096733867#. Follow the on-screen prompts to complete the transfer.

How To Create Transfer Pin on Stanbic Bank:

To set up your Stanbic PIN to start using the *909# USSD code, you need either the last six digits of your BVN or your debit card details. Follow these steps:
1. Dial *909*11*1#.
2. Select 1 to create a PIN using your debit card or 2 to use your BVN.
  - If using a debit card, enter the last six digits of your card number.
3. Enter a new PIN and confirm it.
4. You will receive a confirmation message that your PIN has been created.
Note: If you don’t have a debit card or it has expired, use the BVN option to create your PIN.

How to reset your PIN:

If you forget your PIN or wish to change it for security reasons, follow these steps:
1. Dial *909*11*1#.
2. Select 3 to reset your PIN.
3. Enter the last six digits of your debit card or use the BVN option.
4. Create a new PIN and confirm it.
How to check your Stanbic bank account balance

To check your account balance quickly using the *909# USSD code:
1. Dial *909#.
2. Follow the prompts to request your account balance.
You will receive an instant message with your current Stanbic IBTC account balance.

Most Frequently Asked Questions

1. Is there a service charge for using 909#?
- Yes, a fee of N6.68 applies for each USSD transaction.
2. What should I do if my phone is stolen, SIM is lost, or damaged?
- Dial *909*1*911# to block your account immediately.
3. What can cause errors when using the 909# USSD code?
- Insufficient account balance.
- Poor network from your service provider.
Conclusion

This guide is designed to help you use the Stanbic *909# USSD code for transferring money. Additionally, we’ve covered how to create and reset your transaction PIN, as well as how to check your account balance. Hopefully, using *909# will now be a straightforward process for you.
January 17, 2025
How To Buy Data From Gtbank? USSD & GTWorld Ways
Hopefully, by the end of this article, you will have learned how to buy data from GTBank within 10 seconds.

If you want to buy data directly from your GTBank account, it’s not an issue. You can easily top up data through your GTBank account. The process is quick, simple, and efficient. You don’t need to worry about the network provider you’re using. GTBank’s system will automatically detect the mobile network once you input your phone number and will display the available data plans from the respective telecommunications company. This allows you to choose based on your budget and preferred plan.

So, if you are banking with GTBank, there’s no need to run out of data. The 737 code is one of the convenient methods for subscribing to data. In this guide, you’ll learn how to use the USSD code method and the GTWorld app to buy data, including how to subscribe for yourself or for a third party.

Who Can Buy Data From Gtbank?

As part of its efforts to make things easier for customers, GTBank provides a service that allows account holders to buy data easily using either the 737 code or the GTWorld app. However, this service is only available to individuals with an active GTBank account. Additionally, the customer must have a registered phone number linked to their GTBank account. This phone number serves as the medium for purchasing data bundles. In other words, each time you want to buy data for yourself or someone else, the transaction must be initiated using the SIM linked to your account.

Please note that third-party data subscriptions may require your four-digit 737 PIN. If you haven’t set up your PIN yet, this article will guide you through the process of creating one quickly. Now, let’s get started on how to buy data from your GTBank account balance.

How To Buy Data From Gtb?

This section explains the USSD data code and the GTWorld app method for buying data.

How to Use *737*4# USSD to Buy Data from GTbank

The USSD method doesn’t require an internet connection, so if you run out of data, you can still subscribe to a plan using the 737 solution.

To buy data for yourself using GTB’s USSD code, follow these steps:
1. Dial *737*4#.
2. Select 1 (Self).
3. From the list of available data plans, select the one you want and press Send.
4. Your phone number will be credited with the corresponding data amount instantly.
How to Buy Data for a Third Party Using the 737 GTB Code

To buy data for someone using the 737 GTB code, follow these steps:
1. Dial *737*4#.
2. Select 2 (Third Party).
3. Enter the recipient’s phone number and press Send.
4. Choose the data plan you want to subscribe to for the recipient from the list.
5. Enter your 737 four-digit PIN to complete the request.
6. You will instantly receive a message confirming the subscription for the recipient.
Note: To check your top-up data balance, dial *323#

How to Use the GTWorld App to Buy Data

The GTWorld app requires an internet connection to log in. Therefore, you should regularly check your data balance. Once your data is finished, you won’t be able to use this method. However, the app is more interactive, allowing you to view various services, including your account balance.

Here’s how to buy data from your account using the GTWorld app:

Download and install the GTBank app. Android users can get it from the Google Play Store, while iPhone users should visit the Apple App Store. Once installation is complete, log in using your online banking user ID and password (for existing users). New users will need to register with their ATM card details..
1. In the GTWorld app, click on the menu.
2. Select Airtime and Data.
3. Choose Data Bundles.
4. Select the network provider and the account to debit.
5. Enter the phone number. Verify that the mobile details are correct.
6. Enter your transaction PIN (ATM PIN) or the token generated by your GTB device.
7. Click Confirm Payment to complete the request.
8. Within 10 seconds, the data will be credited to the mobile number.
Most Frequently Asked Questions

1. What is the GTBank code for data top-up?
- *737*4# is the general code to buy data from your GTB account. Once you dial the USSD code, select either “Self” or “3rd Party” to buy data.
2. Is there a service charge for buying data from GTB?
- Yes, there is a fee attached for using the 737 code, except when using the GTWorld app.
3. Can I buy data with my GTB account for any network provider?
- GTBank data top-up is available for MTN, 9Mobile, Airtel, and Glo subscribers.
Conclusion

The purpose of this article is to ensure you don’t run short of data, and GTBank has made it convenient to buy data directly from your account. You can opt for either the USSD banking method or the GTWorld app. Both channels allow you to top-up data, and each method is explained above. Understanding how to use both methods may be beneficial in case one fails. Also, remember to regularly check your data balance to manage it effectively and know when to subscribe to a new plan.
January 16, 2025
How to Buy Airtime from GTBank – 737 & GTWorld
GTBank (GTB) provides a simple and efficient solution for purchasing airtime directly from your account balance. With the GTB airtime code, you can quickly recharge your mobile line without delays. This service supports all telecommunications networks in Nigeria, including MTN, Airtel, Glo, 9mobile, and even Startimes. Whether you’re at home, on the go, or in an area with limited access to recharge cards, GTB’s airtime service ensures convenience. This guide will walk you through the stepson how to buy airtime from GTBank using the ussd code and highlight some helpful tips to enhance your experience.

How to Buy Airtime from GTBank (GTB)

This section explains how to purchase airtime for yourself and others using the GTBank *737# code. It’s a simple, fast, and reliable method for recharging your line or someone else’s. Let’s begin!

Buying Airtime for Yourself

If you want to top up airtime for yourself using GTBank’s *737# service, follow these steps:
1. Dial *737# from the phone number linked to your GTBank account.
2. Select Option 1 (Airtime – Self).
3. Enter the Amount you wish to recharge and press send. Your account will be debited, and your line will be topped up instantly.
Alternatively:

You can directly recharge by dialing: *737*Amount#. For example, to top up ₦500, dial *737*500# and press send. Your line will receive the airtime immediately.

Note: Self-top-up does not require your 737 PIN or token.

Buying Airtime for Others

It’s also possible to send airtime to a friend or family member using the *737# code. However, a 4-digit 737 PIN is required to complete the transaction.

If you haven’t set up your 737 PIN, you’ll need to create it first. If you already have a PIN, follow these steps to recharge for others:
1. Dial *737#.
2. Select Option 2 (Airtime – Others).
3. Enter the Recipient’s Phone Number and press send.
4. Enter the Amount you wish to send and press send.
5. Enter Your 737 PIN or token generated from the GTBank token device to confirm the transaction.
Alternatively:

You can recharge directly by dialing: *737*Amount*Recipient’s Phone Number#.
For example, to send ₦500 to 08034767760, dial *737*500*08034767760#. After entering your PIN or token, the recipient will receive the airtime immediately.

Why Use the GTBank *737# Top-Up Service?
- Convenience: It’s simple and easy to use.
- No Internet Required: The service works via your mobile network provider, so you don’t need internet access.
- Instant Airtime: Airtime is credited to your line almost immediately—within 10 seconds.
Requirements for Using the *737# Airtime Service
1. The recharge must be done from the phone number linked to your GTBank account.
2. The service supports all major telecom providers in Nigeria: MTN, Airtel, Glo, and 9mobile (Etisalat).
3. Ensure your GTBank account has sufficient funds, as the top-up amount will be deducted directly.
4. Daily airtime recharge is limited to ₦10,000.
Frequently Asked Questions (FAQs)

1. What is the code to recharge from my GTBank account?
- Dial *737*Amount# for self-recharge.
- Dial *737*Amount*Recipient’s Number# to recharge for others and follow the prompts.
2. Will I be charged for using the 737 service?
- Yes, a small fee (less than ₦10) will be deducted for each transaction.
3. How do I check my airtime balance after recharging?
- Dial *310# to view your balance.
Conclusion

Previously, some GTBank customers struggled to recharge airtime directly from their accounts. However, with this guide, the process is now simple and straightforward. Within seconds, you can recharge for yourself or others anytime and anywhere.

Note: This guide focuses on the *737# method. The GTWorld app method will be covered in an upcoming update.
January 16, 2025
How To Transfer Money In First Bank: Do It Yourself
Transferring money with First Bank Nigeria is straightforward, ensuring secure and convenient transactions for all users. But what’s important? Let’s find out how to transfer money with First Bank.

The Nigerian banking system is highly competitive, with every bank striving to provide flexible services that enable customers to transact without physically visiting the bank. For First Bank users, the bank offers quick and reliable methods to transfer money online between accounts or to other banks. This guide will teach you the two quickest methods to first bank transfer money, plus a bonus method.

Overview
- Transferring with first bank code
- How to transfer from first bank with app
Method 1: How To Transfer Money From First Bank With Code

The First Bank USSD transfer method can be used on any mobile network and is compatible with any handset. Additionally, using the First Bank money transfer code does not require data or airtime. The only requirement is that your phone number must be linked to your First Bank account. If it isn’t, visit any nearby First Bank branch to activate your phone number with your account. You also need to set up your 5-digit transfer PIN.

Once these requirements are met, follow these simple steps to send money to your loved ones (parents, siblings, friends, or business partners) via the First Bank USSD transfer code:
1. Open your phone dialer.
2. Dial *894# and press OK/Send.
3. Select option 1 (Transfer).
4. Enter the amount you wish to transfer on the pop-up screen and press SEND.
5. Input the recipient’s account number (e.g., 0126578***) and press OK.
6. From the pop-up menu, select the recipient’s bank name from the list.
7. Enter your 5-digit First Bank transfer PIN, then press SEND.
8. A confirmation message will appear on your screen, indicating whether the transfer was successful or not.
Method 2: How to Transfer Money Using the First Mobile App

For those who prefer to use the First Mobile app to initiate a money transfer, this is a reliable and easy-to-use method. However, it requires mobile data to access the app, making the USSD code method more suitable when data is unavailable. To send money via the First Bank mobile app, follow these steps:
1. Download and install the First Mobile app on your device.
  1. For Android users, visit the Google Play Store.
  1. For iPhone users, download the app from the Apple App Store.
2. Open the app after installation.
3. Register and log in using your First Bank account details and PIN.
  1. If you’re a first-time user, select Register or Sign Up and follow the steps to set up your account.
  1. You will typically need your ATM card number and the 4-digit card PIN to create a login password.
Once logged in, locate and click on Transfer in the app interface.

Select Transfer Options:
- Transfer within First Bank: Select this option if you are sending money to another First Bank account. You can choose either Transfer to Own Account or Transfer to Another First Bank Account.
- Transfer to Other Banks: Select Transfer to Other Banks if you want to send money to a different bank, such as GTB, UBA, etc.
Example: Transferring to Other Banks
1. Select Transfer to Other Banks.
2. Choose the account you want to debit.
3. Select the destination bank where you want to send the money.
4. Enter the recipient’s bank account number. The app will retrieve and display the account name for confirmation.
5. Verify that the account name is correct, then enter the amount to transfer.
6. Optionally, add a narration or description for the transfer.
7. Enter your 5-digit transfer PIN and click Continue.
8. A success or failure message will appear, confirming the transfer’s status. If successful, you can download the receipt or share it via WhatsApp.
Bonus Method

If the methods above are challenging or you are unable to transfer money remotely, you can opt for this alternative:

1. Transfer Money via ATM
1. Visit any nearby ATM outlet and follow these steps:
2. Insert your ATM card into the machine.
3. Enter your card PIN.
4. Select Transfer from the options on the screen.
5. Choose the recipient’s bank name from the list.
6. Enter the recipient’s bank account number.
7. Enter the amount you want to send.
8. Click Confirm to review the transfer details.
9. If the details are correct, click OK to complete the transfer.
2. First Bank Customer Service

Alternatively, you can visit any First Bank branch near you, proceed to the cashier section, and explain your concern about transferring money to one of the attendants. They will guide you through the steps to complete the transfer. You will be provided with a slip to fill in the details of the account you want to debit, as well as the recipient’s details.

After completing the money transfer process, it is advisable to visit the customer care section to request activation of internet banking if you haven’t already started using it or to resolve any issues preventing you from transferring money via your phone.

Remark:

The First Bank USSD and mobile app methods are cardless ways of transferring money. In other words, you don’t need to carry your ATM card, reducing the risk of it being misplaced or stolen. Many people seek the most convenient and straightforward way to transfer funds, and they might prefer to stick to one option.

However, it is crucial to understand how to use the different methods of sending money within your banking institution. If one method fails, you can easily switch to the other. Therefore, don’t rely solely on the First Bank USSD code; make sure you also learn how to use the mobile app to send money.
January 11, 2025
How to Create GTB Transfer PIN?
For those who are new to GTBank’s 737 USSD transaction shortcode, here’s an opportunity to understand the process. To use this service, you need to create a 4-digit PIN. This PIN is required each time you use the 737 code for any transaction, whether it’s buying airtime, subscribing to data, transferring money, or paying utility bills. GTBank will always request this PIN to complete your transaction. Therefore, it’s essential to know how to create this secure GTB transfer PIN without having to visit a GTBank branch. The good news is that if you forget your PIN, you can quickly reset it. In this guide, you will also learn how to reset your PIN.

GTBank USSD Banking

To emphasize the importance of creating your GTBank PIN, here are some common USSD mobile banking services where you’ll need the PIN:
- Buying airtime
- Data subscriptions
- Transferring money/sending funds
- Renewing cable TV subscriptions (e.g., DStv, GOtv)
- Paying other bills
Why is the PIN Important?

You may be wondering what else the PIN does for you. Well, one of the key benefits is that it protects your account from unauthorized transactions. Imagine not knowing when someone else might handle your phone. If the person isn’t trustworthy, they could attempt to recharge, top up data, or even steal your money. However, with the PIN in place, once they reach that stage, GTBank’s system will request the PIN. If they can’t provide it, the transaction will not be allowed. This is one significant security feature.

Another important piece of advice: once you create your PIN, ensure that you do not disclose it to anyone, not even your spouse. If your PIN is exposed, your account becomes vulnerable to unauthorized transactions.

How to Create a GTB Transfer PIN:

You can create the pin from any mobile device. To do so, follow these steps:
1. Dial 737*5#
2. Select 1 to create a pin.
3. Enter the last 6 digits of your ATM card and press send.
4. Enter your new 4-digit pin, then press send to create it. You will be asked to confirm the pin by entering it again.
5. Once you finish the process, you will receive a message confirming that you have successfully created your transaction 737 pin.
How to Reset Your 737 PIN:

If you forget your 737 pin, you can reset it, but you will still need your ATM card number. Follow these steps:
1. Dial *737*5#.
2. Select option 2 – Change PIN.
3. You will be asked to enter your existing PIN. Enter any 4 digits to proceed.
4. When prompted, enter the last 6 digits of your debit card.
5. Enter your new PIN, confirm it, and then press send. You will receive an instant message confirming that your GTB transfer PIN has been reset.
Important Note! Often, people ask how to create a GTB transfer PIN without an ATM card. The answer is simple: you cannot create a 737 PIN without using your debit card, as the process requires the last 6 digits of the card to generate your PIN. This is because the synchronization of the card with your bank account is necessary for the PIN to be generated.

Conclusion

The purpose of creating the GTB transfer PIN is to enable you to successfully complete transactions that involve the use of the 737 USSD code. Anytime you use the USSD code, you will be prompted to enter the 4-digit PIN to complete your request. This is why this article was put together — to help you set your PIN and, hopefully, ensure that you can now create your PIN.
January 10, 2025
How to Use GTB USSD Code for Transfer: A Step-by-Step Guide
If you are banking with Guaranty Trust Bank, one of the easiest ways to send money is by using the GTB USSD code for your transfer. This method is seamless and fast, compatible with any mobile device, and does not require an internet connection. However, there are certain requirements to enable the gateway for a successful transfer. This guide will walk you through the basic steps, just like someone holding your hand to cross a busy road.

What is GTB USSD Transfer?

GTB USSD transfer is a special code that enables customers to send money via a USSD shortcode. You can use it to send money to a GTB account or to another bank. There is a specific format for combining the shortcode with the amount you wish to transfer and the recipient’s account number.

What are the Requirements?

To use the GTB USSD transfer code, your phone number must be linked to your GTB account. Additionally, you can only initiate transfers from that linked phone number. You also need to set up your 737 transfer PIN or, if you have one, use your GTB token device to generate a token for your transaction.

How to Transfer Money from GTB?

In this section, you will learn how to transfer funds to a GTB account or to other banks using the USSD code.

How to Transfer Between GTBank Accounts

If you want to transfer money to another GTB account, follow these steps:
1. Dial *737#.
2. Select option 4 (Transfer – GTB).
3. Enter the account number and press send.
4. Enter the amount and press send.
5. Select the bank name and press send.
6. From the prompts, verify that the account information displayed corresponds with the destination account or person’s name. If it’s correct, enter your 737 PIN or token number, and press send.
7. A message will display confirming that your transfer was successful if no errors occur.
Alternatively, use the direct method:
- Open your phone dialer, then type *737*1*Amount*Account Number# (e.g., *737*1*2000*0124542400#). Press send and follow the screen prompts to complete the process.
How to Transfer to Other Banks

To transfer money to an account at another bank, follow these steps:
1. Dial *737#.
2. Select option 5 (Transfer – Other Banks).
3. Enter the account number and press send.
4. Enter the amount and press send.
5. Select the bank name and press send.
6. From the prompts, verify that the account information displayed corresponds with the destination account or person’s name. If correct, enter your 737 PIN or token number and press send.
7. A message will display confirming that your transfer was successful if no errors occur.
Alternatively, you can use this direct method:
- Dial *737*2*Amount*Account Number# and press send (e.g.,*737*2*2000*1234567890#). Follow the prompts to complete the process.
What Could Result To Errors When Using Gtb Ussd Transfer?

Poor network coverage from your mobile provider could result in errors. Some people often experience issues during the transfer process. An error message may appear, indicating that the service is unavailable and advising you to try again later. This is a common network error. If the transfer is urgent, you may need to look for an alternative method, such as using the GTWorld app. You could also visit a nearby ATM or use a POS service, but remember that the vendor may charge you a fee for the transaction.

Benefits of GTB USSD Transfers
- It is a convenient way to send money.
- The transfer service is available 24/7.
- No delays; the money reaches the destination account in no more than 10 seconds.
Most Frequently Asked Questions

1. Is there any charge for using the GTB USSD transfer service?
- Yes, there is a fee of about ₦6.68, in addition to any other charges as directed by CBN. For instance, transfers of ₦10,000 and above attract an additional ₦50 fee.
2. What is the daily transfer limit?
- The daily transfer limit for GTB USSD transfers is ₦1,000,000 (one million Naira).
3. What is required during the transfer process?
- You may be asked for your 737 four-digit PIN. Sometimes, the last 4 or 6 digits of your ATM card may be required to complete a transaction, especially if you have made several transactions that day or if the amount you want to send is large. For transactions above ₦100,000, this second confirmation is required.
Conclusion

GTB USSD transfer is an easy and convenient method to send money. It is fast—within 10 seconds, a transfer is initiated and reaches the destination account if there are no network issues. Most importantly, GTB USSD fund transfer allows customers to send money within GTB or to other banks. Note: Always double-check the account you want to send money to, as a wrong transfer could result in a loss of funds. Also, do not expose your transfer PIN or ATM number, as your account can be defrauded if these details are exposed.
January 10, 2025