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.