How to Transfer Money Using USSD Code in 1 Minute

Convenience is the currency of choice. The evolution of technology has reshaped the way we manage our finances, making tasks like money transfers quicker and more accessible than ever before. One such innovation that has gained widespread popularity is the use of USSD codes for seamless money transfers.

In this guide, we will walk you through the step-by-step process to transfer money using USSD codes, allowing you to effortlessly send funds from your mobile device. Let’s dive into the details:

Also Read: Complete List of Nigerian Bank USSD Codes for Instant Banking Solutions

Step 1: Dial the USSD Code

To initiate a money transfer using USSD codes, start by dialing the specific USSD code provided by your bank. These codes are typically a combination of numbers and symbols, and they serve as the gateway to a world of mobile banking convenience. For instance, if you’re a customer of Guaranty Trust Bank (GTBank), you would dial the USSD code *737#.

Step 2: Select the “Transfer” Option

Once you’ve dialed the USSD code, a menu of options will appear on your screen. Navigate through the menu by selecting the corresponding numbers or keywords that lead you to the “Transfer” option. USSD menus are designed to be user-friendly and intuitive, ensuring that even those unfamiliar with the technology can navigate through the process effortlessly.

Step 3: Enter the Recipient’s Account Number

After selecting the “Transfer” option, you’ll be prompted to enter the recipient’s account number. This is where attention to detail is crucial. Make sure you input the correct account number to avoid any potential errors or complications down the line. USSD codes are built for accuracy and efficiency, but they rely on accurate information from the user.

Step 4: Input the Transfer Amount

With the recipient’s account number correctly entered, the next step is to specify the amount you wish to transfer. Simply input the numerical value of the amount using your phone’s keypad. Double-check the amount to ensure that you’re sending the desired sum.

Step 5: Confirm the Transaction

Before the final transfer, the USSD system will ask you to confirm the transaction details. This is the stage where you have the opportunity to review the recipient’s account number and the transfer amount. Take a moment to verify that all the information is accurate, as once confirmed, the transaction cannot be reversed without going through the bank’s support channels.

Step 6: Enter Your PIN

To ensure the security of your transaction, the USSD system will prompt you to enter your unique Personal Identification Number (PIN). Your PIN serves as a safeguard against unauthorized access to your account. It’s important to keep your PIN confidential and not share it with anyone. By entering your PIN, you verify that you are the rightful account holder and authorize the transaction.

Step 7: Transaction Successful

Congratulations! You’ve successfully completed the money transfer using the USSD code. The system will promptly acknowledge the transaction and provide a confirmation message on your screen.

Additionally, you might receive an SMS notification confirming the transfer. This confirmation serves as a record of the transaction and provides peace of mind that your funds are on their way to the intended recipient.

In a matter of moments, you’ve harnessed the power of USSD codes to complete a seamless money transfer. No need to visit a bank branch, log in to an app, or wait for extended processing times. USSD codes have transformed the way we handle financial transactions by putting control and convenience in the palm of your hand.

Also Read: All Bank Transfer Codes – How to Transfer Money via Mobile Phone in Nigeria


The ability to transfer money using USSD codes is a testament to the fusion of technology and finance in our modern world. With just a few simple steps, you can move funds swiftly and securely.

As technology continues to evolve, embracing innovations like USSD codes empowers you to navigate the digital landscape with confidence, convenience, and control.