GTBank made the use of USSD as a banking channel popular amongst Nigeria’s commercial banks, and it remains one of the fastest ways to send money or buy airtime in Nigeria.
This quick guide covers the most common GTBank 737 functions — transfers, airtime top-ups, and basic account tasks — so you can bank easily from any phone.
How to use GTBank 737 code to make transfers
- Transfer to GTBank: To transfer funds from your GTBank account to another GTBANK account, dial *737*1*AMOUNT#ACCOUNT NUMBER#.
- Transfer to other banks: To transfer to other banks, dial *737*2*AMOUNT#ACCOUNT NUMBER#
How to use 737 code to buy airtime
- To buy airtime for yourself: To buy airtime on the mobile number registered with your GTBank account, simply dial *737*AMOUNT#
- To buy airtime for others: To buy airtime on any other mobile number, dial *737*AMOUNT*MOBILE NUMBER#. For instance, if you want to top-up line 08088668555 with N500, you will dial *737*500*08088668555.
To open a GTBank account
Dial *737*0# to immediately open a new account.
For Balance enquiry
To check your account balance, dial *737*6#. From the options displayed, select ‘1’ (ACCOUNT BALANCE)
🔄 Updated for 2025: Some GTBank codes have changed slightly, especially for NIN/BVN checks and mini statements. See the latest list in our comprehensive 737 guide.
To check BVN or NIN using 737 code
Dial *737*6#. From the options displayed, select ‘4’ (BVN-NIN Enquiry), then select 1 to confirm the service charge of N10. Enter your Transaction PIN to complete retrieval.
How to create a Transaction PIN
To create the Transaction PIN usually required for some transactions while using the 737 code, follow these steps:
- Dial *737*5#
- Input the last 6 digits of your Debit Card
- Create your 4-digit PIN
How to withdraw cash at ATM with card using 737 code
So you are out and about and you need cash but you don’t have your ATM/Debit card. Worry no more. With the 737 USSD you can withdraw cash from a GTBank ATM by following these steps:
- Dial *737*3*Amount# and follow the prompt to generate your WITHDRAWAL CODE. Authenticate your request with your 737 PIN.
- Input the generated withdrawal code into any GTBank ATM to retrieve cash.
To generate OTP
You will sometimes need to complete transactions that you initiate on merchant or third party websites/apps by providing a One Time Password. Here’s how to generate it:
- Dial *737*7#
- Enter PIN to confirm
The GTBank USSD codes (737#) make banking easy, even without internet access. Whether you’re sending money, checking balance, or buying airtime, these short codes put control right in your hands.
Want to learn more about the versatility and all other things you can use it for?
👉 Read our detailed guide here: GTBank USSD codes 2025: Complete 737 functions for easy banking