With the rapid growth of technology and the rising demand for convenient banking options, Guaranty Trust Bank has launched its Mobile Banking platform to deliver a smooth and secure banking experience for customers.
GTBank Mobile Banking gives users quick and easy access to their accounts, enabling them to carry out a wide range of financial transactions from the comfort of their homes or offices.
From checking account balances and transferring funds to paying bills, GTBank USSD Mobile Banking offers services designed to meet the diverse needs of its customers.
The bank’s USSD transfer service, accessible via *737#, provides a fast, convenient, and secure way to perform banking transactions directly from a mobile phone. This guide explains how to activate and register for the *737# transfer service and how to reset your 4-digit PIN for enhanced security.
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Benefits of Using *737#
- Instant value – immediate access to services without delay.
- Better cash management – helps you stay in control of your finances.
- Fast and reliable service – reduces turnaround time significantly.
- Simple and affordable – easy to use and inexpensive to operate.
- Works on any phone – completely device-independent.
- No internet required – transactions can be done without data.
- Express checkout – quick and seamless payment experience.
Features of of using *737#
Here are the main features of the GTBank (737#) USSD Banking service — a simple, fast, and secure way for Guaranty Trust Bank customers to bank using any mobile phone without internet data:
Account Management
- Instantly check balances across your GTBank accounts.
- View a summary of recent transactions.
- Open a new GTBank account directly from your phone.
Transfers and Payments
- Send money to GTBank accounts or other Nigerian banks.
- Recharge airtime for yourself or others.
- Pay utility bills, cable TV subscriptions, and more.
- Make deposits at GTBank branches without slips or cards.
Card Services
- Generate a secure code to withdraw cash at ATMs without your card.
- Block your debit card temporarily or permanently if lost or stolen.
- Request a replacement debit card when needed.
Loans and Advances
- Apply for instant loans (subject to eligibility).
- Check outstanding loan balances and repayment details.
- Access airtime advances when running low on credit.
Other Services
- Link and verify your Bank Verification Number (BVN).
- Generate One-Time Passwords (OTP) for secure online transactions.
- Update your 737 transaction PIN.
- Donate to churches or charities.
- Pay school fees and other educational expenses.
- Make payments to select merchants.
*How to create/register for a Gtbank 737 ussd Transfer PIN*
To set up your 4-digit PIN and start transferring money using Guaranty Trust Bank’s *737# USSD service, follow the steps below:
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Dial *737*5# on the mobile number linked to your bank account.
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Choose whether you have an active debit card or not.
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If you do not have an active debit card, provide the required details (such as your date of birth and other requested information) for verification.
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If you have an active debit card, select the option indicating you do.
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Enter the last six digits of your debit card when prompted.
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Create a secure 4-digit PIN of your choice.
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Once completed, your PIN will be successfully saved, and you can begin using the *737# service for transfers and other transactions.
How to Reset Your GTBank PIN
Follow these steps to reset your USSD PIN with Guaranty Trust Bank:
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Dial *737# using the phone number linked to your GTBank account.
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Select Option 7 – Create/Reset PIN.
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Choose the Reset PIN option.
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Enter your GTBank NUBAN account number when prompted.
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Follow the on-screen instructions to create a new 4-digit PIN.
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Re-enter the PIN to confirm it.
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After successfully creating or resetting your PIN, you can continue making transfers and other transactions via the *737# service.
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How to transfer money from GTBank
Here’s a clear guide on how to transfer money from your GTBank account using *737#:
Transfer to GTBank Accounts
- Dial
*737*1*Amount*Account Number#from your registered phone line.- Example:
*737*1*5000*1234567890#
- Example:
- Enter your 4-digit PIN or the last 4 digits of your GTBank debit card.
- Confirm the transaction details.
- The recipient’s account is credited instantly.
Transfer to Other Nigerian Banks
- Dial
*737*2*Amount*Account Number#.- Example:
*737*2*5000*0987654321#
- Example:
- Select the beneficiary’s bank from the list provided.
- Enter your PIN or last 4 digits of your debit card.
- Confirm the transaction.
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How to buy Airtime & Data Top-up from Gtbank
Here’s a simple guide on how to buy airtime and data top-up from GTBank using *737#:
Airtime Purchase
- For yourself (self top-up): Dial
*737*Amount#- Example:
*737*1000#to recharge ₦1000 on your own line.
- Example:
- For others (third-party top-up): Dial
*737*Amount*PhoneNumber#- Example:
*737*500*08012345678#to recharge ₦500 on another phone number.
- Example:
🔹 Data Purchase
- Dial
*737*4#to access data bundles. - Select your preferred network (MTN, Airtel, Glo, 9mobile).
- Choose the data plan that suits you.
- Confirm with your PIN or last 4 digits of your GTBank debit card.
- Your line will be credited instantly.
Here’s how you can easily check your GTBank account balance using different methods:
Using USSD (*737#)
- Dial
*737*6*1#from the phone number linked to your GTBank account. - Enter your 737 PIN or the last 4 digits of your GTBank debit card.
- Your account balance will be displayed instantly.
🔹 Other Options
- GTWorld Mobile App: Log in and view balances across all linked accounts.
- Internet Banking: Sign in via GTBank’s online portal to check balances and statements.
- ATM Balance Enquiry: Insert your card at any GTBank ATM and select “Balance Enquiry.”
- SMS/Email Alerts: Opt-in to receive balance updates after transactions
GTBank Salary Advance
This is a short-term loan that allows eligible salary earners to access up to 50% of their net monthly salary in advance. It is designed for the staff of private companies and government agencies with active salary accounts domiciled in GTBank.
Key Features
- Loan Amount: Up to 50% of net monthly salary.
- Tenor: 30 days (renewable monthly).
- Disbursement: Funds available within 24 hours.
- Collateral: None required.
- Eligibility:
- Minimum salary ₦25,000 (public sector).
- Minimum salary ₦50,000 (private sector).
- Charges:
- Interest rate: 1.66% per month.
- Management fee: 1% flat.
- Insurance: 1% flat.
🔹 How to Apply
- USSD: Dial
*737*8*2#, Enter the loan amount, and confirm with your 737 PIN. - GTWorld Mobile App:
- Log in → Apply for Loans → Salary Advance → Fill in details → Confirm with token.
- Internet Banking:
- Log in → Quick Loan → Salary Advance → New Request → Fill in details → Confirm with token.
Withdraw Cash without your Gtbank Debit Card
Here’s how you can withdraw cash from your GTBank account without using your debit card, thanks to the *737# cardless withdrawal service:
Steps for Cardless Withdrawal
- Dial
*737*3#from the phone number linked to your GTBank account. - Select “Cardless Withdrawal” from the menu.
- Enter the amount you want to withdraw.
- A unique withdrawal code (Paycode) will be generated and sent to you via SMS.
- Visit any GTBank ATM.
- Press Enter (or the “Cardless” option) on the ATM screen.
- Input the Paycode, your phone number, and the amount.
- Collect your cash instantly.
Gtbank One Time Password (OTP)
It’s A 6-digit code used to authenticate secure transactions (internet banking, mobile app, online payments), and it serves as an extra layer of security, ensuring only the account holder can authorize transactions.
How to Generate OTP via USSD (*737#)
- Dial
*737*7#from your GTBank-registered phone number. - Enter your 4-digit 737 PIN.
- You’ll receive a unique OTP via SMS.
- Use this OTP to complete your transaction (valid for a short period).
🔹 Other Ways to Get OTP
- GT eToken App:
- Download from the App Store or Google Play.
- Generates OTPs directly on your phone without SMS.
- Works as an alternative to the GTBank hardware token.
- Hardware Token:
- A physical device that generates OTPs.
- Useful if you prefer not to rely on mobile apps or SMS.
Gtbank Bills Payment
Here’s a clear guide on how to pay bills conveniently with *GTBank’s 737# service:
🔹 How to Pay Bills via *737#
- Dial
*737*50*Amount*CustomerID#from your GTBank-registered phone number.- Example:
*737*50*5000*1234567890#
- Example:
- Select the bill type (electricity, water, cable TV, etc.).
- Confirm the details (amount, customer ID, and biller).
- Enter your 737 PIN or the last 4 digits of your GTBank debit card.
- Receive instant confirmation once payment is successful.
🔹 Bills You Can Pay
- Utility bills: Electricity, water, waste management.
- Cable TV subscriptions: DSTV, GOTV, Startimes, etc.
- Internet services: Broadband and mobile data providers.
- Education fees: School fees and other educational payments.
- Charity donations: Churches and NGOs.
- Merchant payments: Selected businesses integrated with GTBank
How to Hotlist/block a GTBank card
Here’s how you can hotlist (block) your GTBank debit card quickly if it’s lost, stolen, or compromised:
🔹 Block Your Card via USSD (*737#)
- Dial
*737*51*10#from your GTBank-registered phone number. - Follow the prompts to select the card you want to block.
- Confirm with your 737 PIN.
- Your card will be instantly blocked, preventing unauthorized transactions.
🔹 Other Ways to Block Your Card
- GTWorld Mobile App:
- Log in → Navigate to “Cards” → Select “Block Card.”
- Internet Banking:
- Log in → Go to “Cards” → Choose “Block Card.”
- Customer Care:
- Call GTBank’s customer service or send an SMS to request card blocking.
- Branch Visit:
- Walk into any GTBank branch for permanent blocking or to request a replacement card.
How can I unblock GTBank mobile banking?
If your GTBank mobile banking has been blocked (for example, due to multiple wrong PIN entries or security concerns), here are the main ways to get it unblocked:
How to Unblock GTBank Mobile Banking
- Contact GTConnect (Customer Care):
- Call GTBank’s 24/7 helpline.
- Verify your identity (account number, BVN, personal details).
- Request that your mobile banking profile be unblocked.
- Visit a GTBank Branch:
- Speak with a customer service officer.
- Provide valid identification (e.g., driver’s license, national ID, or international passport).
- They will reset or unblock your mobile banking access.
- Use GTBank’s Self-Service Portal:
- Log in to the GTBank self-service portal online.
- Navigate to account services and request unblocking.
- Follow the instructions to restore access.
- Internet Banking Reset:
- If your mobile banking is linked to internet banking, you can reset your credentials online.
- This may restore access if the block was due to login errors.
All Gtbank Code for transaction
| 737 Service | 737 Code |
| Account Opening | *737*0# |
| Airtime (Self) | *737*Amount# |
| Airtime (3rd Party) | *737*Amount*PhoneNo# |
| Transfers (GTBank) | *737*1*Amount*Nuban# |
| Transfers (Other Banks) | *737*2*Amount*Nuban# |
| Cardless Withdrawal | *737*3*Amount# |
| Fast Track Deposit | *737*48*Amount*Nuban# |
| Data Purchase | *737*4# |
| Account Balance/ No/ BVN | *737*6*1# |
| Loan Balance | *737*6*2# |
| Card Status | *737*6*3# |
| Cheque Book Status | *737*6*4# |
| Generate OTP | *737*7# |
| Airtime Advance | *737*8*1 |
| Give | *737*32*Amount*Church Code# |
| Edu | *737*31*Amount*School Code# |
| Checkout | *737*35*Amount*Merchant Code# |
| Total Cashout | *737*50*Amount*50# |
| StarTimes Subscription | *737*37*Amount*SmartcardNo |
| Swift Network Subscription | *737*50*Amount*4# |
| Salary Advance | *737*8*2# |
| Bills Payment Menu | *737*50# |
| Enable/Disable Account Balance on GeNS | *737*51*1# |
| Card Hotlist | *737*51*10# |
| Cable TV | *737*SmartCardNo# |
| Spend To Save | *737*51*24# |
| Mini Statement | *737*51*30# |
| 3rd Party Statement | *737*51*33# |
| QuickCredit Request | *737*51*51# |
| QuickCredit Liquidation | *737*51*55# |
| Reference Confirmation | *737*51*54# |
| Account Blacklist | *737*51*74# |
Contact : kokobest04@gmail.com
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