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Transfer money from GTbank to GT & other Bank account using text code

GTB money transfer code; GTBank 737 Money Transfer through mobile phones via USSD CODE.
Guaranty Trust Bank plc has finally launched money transfer service shortcode which enables all GTBank customers to conveniently transfers money from their GTBank account to another GTbank account and or to other bank account holders in Nigeria by simply dialing USSD short code.

The GTbank money transfer service shortcode has been introduced to facilitate the success of the One Click Top –up in which all GTBank customers send instant money transfers directly from their mobile phone, irrespective of no internet connection or phone type.

GTbank money tranfer code



To transfer money from your GTbank account to another GTbank account, dial *737*1*Amount*NUBAN Account No#

 Example *737*1*1000*1234567890# from the mobile number registered with GTBank.
 Then enter the last four digits of your GTBank Naira MasterCard to authenticate the transaction.
 Wait for the transaction to be completed.
 You will receive a message debit alert at once indicating that your transfer was very successful.


To transfers to other beneficiarie Bank account that is not GTbank
 Simply dial *737*2*Amount*NUBAN Account No# from the mobile phone number registered with GTbank.
 Select recipient’s bank (FBN, Access, Zenith, UBA & DBN)
 Then enter last four digits of your GTBank Naira MasterCard.
 Wait for the transaction to be completed.
NOTE: The recipient account will be shown to you before you enter the last four digits of your debit card. This lets you verify that you’re not sending money to a wrong account
 You will automatically receive debit alert indicating that your transfer was very successful.


Yes, GTBank transfer charges are applied.

NOTE THIS: If you have two accounts with GTbank, let say current and saving account and you’re using same phone number for both account, your current account will be debited before your savings account.

For questions or comments concerning GTbank money transfer service code, you can use the comment box below or visit GTbank official website;

163 thoughts on “Transfer money from GTbank to GT & other Bank account using text code”

  1. Pardon me if my question does not actually tally with the transfer stuff but there is no other place to ask question. So i opened a gtcrea student account yesterday and my account number and pin has not been sent to me. What’s going on?

  2. hi. I tried transferring money from access bank to my GT bank. But it didn’t reflect on my balance but the access bank was debited

  3. I am trying to transfer money from my GT acct to another GT acct. After the last procedure, it show invalid authorization. Please enter the appropriate code to complete your transaction. Have been transferring with the same code before now. Pls, what can I do it very urgent.

  4. I am trying to make a transfer with my internet banking to other bank, This is what he keep telling me. Token validation failed. Please retry after 3 minute..

  5. please it has been so difficult for me to transfer money from my gt bank account to other bank using my airtel number which i use to register the account. what could be could be the cause

  6. i have been trying to log on the GTB app to make a transfer but it won’t sign in but i can sign in on my computer.. I can’t be able to do transfer if i sign on computer it keeps asking me of token which i don’t have the device because i am out of Nigeria i would like to know if there’s any instruction on how i can do transfer on computer too not just on my gtb app.

  7. Hello want to register in gtbank app but I did not put my email one the account why opened the account how will I open the gtapp, because now I have gmail.

  8. I have been trying to link my BVN with my GTB bank but not working so far, please can I transfer money if I get a debit card and regisiter for mobile banking

  9. Someone told me he transferred money from access bank to my gtbank since yesterday I did not receive alert and I checked my account and nothing is there.the sender was debited what might be the problem?

  10. Hy I have been making transfers with my Gtb via,*737# until last night it started saying unable to validate account details what do I do

  11. Your explanation is very informative.But Most of the persons don’t know how to transfer money in online from one place to another place actually some persons are taking internet help. By the by money transfer is a very important to family or friends. Now a day’s most of the public is using online money transfer. More information please visits the website.

  12. Hello, I’m trying to use the *737* code to recharge airtime on the phone number linked to the account yet it keeps saying “unable to validate account details”
    What could possibly be wrong?

    1. Hello Lawlarh,
      Your phone seems to be having dual SIM card. So, check your primary phone SIM Card number and reset to the phone number that is register/link to your bank account.

  13. Thanks to our brother to share this information and it is a great article, good collection for money transfer guide… thanks for sharing helpful information & keep posting.

  14. Hello, i haven’t used the 737 before, tried to use it and it keeps saying “unable to validate account details. Tried calling Gt connect and there is no option to speak with customer care representatives. A friend told me i have to activate it by calling them but i can’t reach gtb. What do i do? Is there an alternative number??

  15. I received an alert from Skye bank and the person who transferred the money use gtbank to transfer the money but when I checked my account balance I can’t see the money there…please what is the cause and how can I rectify this

  16. someone transferred money to my uba from gtb since on Saturday and till now it has not reflected and I also transferred from my first bank to someone’s gtb account since morning and my account debited but the recipient account is yet to be credited. Please is gtb having issues?

  17. pls oo, wat happened? I transfered money from my Gtb account through phone to someone using first bank since saturday, d bank debited my account but d person has not gotten d money till now, pls wat should we do

    1. Hello Bola,
      The person should use this SMS code to check his/her account balance or visit nearest ATM machine to check his/her account balance. The person’s account must have been credited by now. He/she should not rely on SMS credit alert.

    2. What is the easiest way to transfer money from my GTbank account in Nigeria to my brother’s GTBank in Ghana… because I thought I could do this online but I think it’s impossible…

  18. I tried to send from GTBank to access bank and it’s showing me INVALID ACCOUNT NUMBER, I tried it over and over again and it showing me the same thing, what can I do?

  19. I hv problem in transferring money on my Gtb mobile. I was asked to enter last 4 digits of my card. it is d one in front or back?

  20. Samuel Abimbola Oladipupo

    Hello morning, i want tp know the maximum balance, one can have in a savings account and Gcrea8 account (student account) respectively.

    1. Hello Samuel Abimbola Oladipupo,
      You should be taking about minimum balance not maximum balance. You can have any amount on your student account but if you are called upon to provide evidence or prove of ownership (how you earn the money), you have to be ready to do so.

  21. Please I made a transfer from my Gtb to my Ecobank and was debited immediately (this isn’t the first time I’m transferring from my Gtb to my Ecobank), but the money didn’t reflect in my Ecobank account , instead I got an immediate SMS from Ecobank saying my account has been updated to Tier 3 and that I should visit any Ecobank branch with a valid ID. What exactly is the problem?

    1. Hello Andrew,
      The money has successfully been transferred to your Ecobank account, visit your bank (Ecobank) to find out why the money you transferred did not reflect in your account. You bank (Ecobank) should be able to tell us what has happened to the money.

  22. HELLO

    1. Hello Offor,
      Ask him what he meant by “instant payment” I mean what means did he use in transferring the money to you. If he did instant payment through mobile banking, the money should reflect immediately.

    1. Hello tomiwa benson,
      It is possible that the money has been transfer to your SKYBANK account without you receiving credit alert or have you check your sky bank account balance? If you check your skybank account balance and your account was not credited, visit your bank (GTBank) to find out what happened.

  23. hello sir i tried transfering money from Gt bank to zenith bank i’m gettin an error “an error occured while trying to verify beneficiary account” please what might be the problem

  24. Hello Emma
    pls have been trying to transfer money from my acct but it kept on saying unable to validate account details… but I was thinking can it be because I first register my glo line with the bank cause am now receiving alerts with my etisalat confused..

    1. Hello Victor,
      Yes, that is likely the problem. You have to go back to the bank again for your account updates or use any GTbank ATM machine close to you to update and validate your mobile phone number.

  25. Hi! I don’t have a GTB debit card but I have a token. Does this mean I need a debit card to authenticate funds transfer? I hope this is not the case. Been trying to get this but all I see is debt card debt card (last 4 digits to authenticate. I anticipate your speedy response as usual.

    1. Hello Abiye Briggs,
      To make fund transfer using the USSD Code above, you need the last 4 digits number of GTBank debit card to authenticate the fund transfer. Therefore, having a debit card is a must because this last 4 digits number that they are referring to is in front of the debit card. The GTBank Token is for online transaction such as online fund transfer, payments, online shopping etc.

  26. I tried to transfer some money from my gtbank account in Nigeria tru gtbank mobile app from Ghana to a diamond bank account in Nigeria and after sending the compled form, i was told transfer in progress… later i needed to check the process and tried to login again but i was told my account has been blocked. Pls what do i do since i m not goin back to Nigeria anytime soon?

    1. Hello Uche,
      You attempted logging into your account from a place (Ghana) GTbank could not identify as you attempting the login . Your I.P address is showing Ghana address while the transaction you are making should be done within Nigeria.

      If you subscribe for GTbank email alert, check your email to see if GTbank send you an email alert for your anonymous login attempt. If you check your email and they send you a mail, you may be ask to reset your password if you are not the one attempting the login. However, you may need to visit your bank or call GTBank help line to unblock your mobile account.

  27. Hello I want to transfer from my gtb ussd code to my siblings account and when I entered is NUBAN NO it gives invalid account he even send some other account number again invalid what should I do

    1. Hello Opeyemi,
      Possible causes of the error are:
      1. if the network line ( the phone number) you are using to transfer the money is not link to your account
      2. network problem.
      3. if you are entering wrong password
      4. if you are entering wrong CVV.

  28. Hello trying to transfer money from my GT acct to a stanbic but i keep getting unable to validate acct details wat does this mean???

  29. This easy way can be counter productive and you can easily be robbed. It happened to me. All the person did was to look at the receipt from a POS payment I made, took the last 4 digits and used my phone after a made a short call while it was charging and did the transfer. Luckily I checked my phone when charging was complete and I saw the debit.

    1. Hello Iboro Ekanem,
      You are wrong! You don’t divulge your POS receipt or your payment receipt and you don’t keep your phone any how. Thank you for your contribution.

  30. Am using savings account and one of my customer wants to transfer 500,000 to me but cant recieve d amount coz am using savings account

  31. Hello Yewande,
    You’ve exceed your daily limit transfer. The maximum transfer per transaction is N20, 000 naira. So, you can transfer the next N20, 000 naira after 24hours. This is why it was not going through.

    1. Udoh, I will suggest you first visit any GTBank close to your location in Ghana. This is because if your GTBank ATM card is not functional there, you won’t be able to make use of the above code to transfer money to fidelity bank.

  32. Hi Emma. I suppose that *737*1* is for gtb to gtb, while *737*2* is for gtb to other banks. However when i tried to transfer with the second code to my fidelity bank, i was present with a list of just five other banks to choose from. Then when i tried using *737*1* i am told that my account number is invalid, what shoyld be the problem?

    1. Geoffery,
      Cross- Check to see if the phone number you are using for this transaction is link to your account. If It is linked, sorry for the inconvenience. It is suppose to be network problem. The problem will be rectify within 48hours.

  33. Boss! Wat is d maximum I can transfer from gtb to gtb at once and is this code still working presently? Cus am having some difficulties here!

    1. Hello Isreal,
      050 is Ecobank code.
      You don’t need your Ecobank code in transferring money from your GTbank account to Ecobank account.
      To transfer money from your GTbank account to your Ecobank account, dial *737*1*Amount*NUBAN Account No#
      *where the NUBAN Account No. is your Ecobank bank account number, you are transferring the money to.

      For example; To transfer N5000 from your GTbank account to Ecobank account
      Dial *737*1*5000*your Ecobank acc no.# from the mobile phone number registered with or linked to your GTBank account.
      Then enter the last four digits of your GTBank Naira MasterCard to authenticate the transaction.
      Wait for the transaction to be completed.
      You will receive an SMS alert at once indicating that your transfer was very successful.

    1. Hello Funke, the best way is to send the money via western union money transfer. Otherwise, the person she wants to transfer the money to in Nigeria has to open a GTbank Domiciliary account. After the DOM account has been open, your sister can now transfer the money to the person via international wire transfer.

  34. There are only 5 bank codes available and dis does not include Ecobank, Skybank,FCMB etc. How do I get the code for Ecobank?

  35. Why is it that i cannot send more than NGN20000 per transaction? Is this not rendering the process incomplete and a bit immatured?

  36. Sir i want to know more about the Nuban. Is the nuban the account number am tranfering from or the account number am transfering to. Pls explain more. Thank you

      1. Please, your response to this question is wrong. The NUBAN in the code means the 10 digit account number of the account you’re transferring to. Since your phone number is already linked to your account the system recognises it as the sending account, what it doesn’t know is the receiving account.

    1. ISRAEL, NUBAN account number is your bank account number.

      NUBAN means Nigeria Uniform Bank Account Number, a 10-digit Bank Account numbering system which is simpler to use than traditional longer account numbering structures and is in line with requirements of the West Africa Monetary Institute, towards the economic integration of ECOWAS countries.

    1. Oluwafemi,
      Yes! You can transfer money from GTBANK TO MAIN STREET BANK OR SKY BANK by using the second USSD Code
      *737*1*Amount*NUBAN Account No#
       Example *737*1*1000*1234567890# (from the mobile phone number registered with GTBank)

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