GTBank Transfer Code in Nigeria and How to Use *737#

The GTBank transfer code is really two codes, and both work only from the phone number registered on your account. No data connection is needed.

So *737*2*1000*1234567890# sends ₦1,000 to account 1234567890 at another bank. No commas in the amount, and the account number is the 10-digit one.

These steps are from GTBank’s own transfer guide and its Help Centre. GTBank’s 737 site also mentions the last four digits of your debit card as a way to confirm, so follow what the screen asks. That is for this screen only, never for someone on the phone.

GTBank says transfers to its own accounts and instant transfers to other banks finish immediately. To confirm the money left, dial *737*6*1# for your balance.

All three count as other banks, so the code is *737*2*Amount*AccountNumber#. Pick the name from the list on the screen. GTBank does not publish that list anywhere we could read, so the screen is the only proof. If the name you need is missing, this route will not reach it.

The card matters once, when you create the PIN, because *737*5# asks for the last six digits of an active card. After that you can transfer with no card in hand. If you have a GTBank hardware token, GTBank accepts its code in place of the PIN.

With no active card and no token, *737# will not get you far. GTWorld is the better route: GTBank lets you set it up with your phone number and your BVN or NIN. Get it from Google Play or the App Store. If you set it up with a secret answer because identity checks failed, GTBank limits you to ₦100,000 a day and ₦700,000 a week until you remove the limit using your card details.

GTBank’s own 737 site disagrees with itself. Its features page gives a daily limit of ₦1,000,000: your PIN or a hardware token will do from ₦100 to ₦500,000, and only a hardware token from ₦500,001 up. It also asks for a one-off indemnity on anything above ₦100,000. The FAQ on the same site says ₦200,000 a day, across GTBank and other banks together.

We would plan around the lower figure, and expect to deal with the indemnity once you pass ₦100,000. For a large payment that cannot wait, use GTWorld, or ask GTConnect what your own account allows before you start.

There is a smaller token option too. *737*7# generates a code from your 737 PIN that lasts 120 seconds and, on GTBank’s features page, covers up to ₦500,000.

The same FAQ puts the fee at ₦20 to a GTBank account and ₦50 to another bank, while a table on that page says ₦80 for other banks. The ₦80 looks out of date, since the Central Bank of Nigeria’s guide to charges has capped transfer fees at ₦50 since 2020. Your debit alert shows what was really taken.

Two more charges sit on top. Transfers of ₦10,000 and above carry ₦50 stamp duty, paid by the sender. GTBank’s message to customers, as Legit.ng reported it, exempts salary payments and transfers between your own GTBank accounts. And your mobile network bills USSD sessions to your airtime, at ₦6.98 per 120 seconds, after asking you to accept.

On the ₦50 figure, sending ₦15,000 to another bank takes ₦15,100 from your account (₦15,000, ₦50 fee, ₦50 duty) and ₦6.98 from your airtime.

If you were debited and the money never arrived, call GTConnect on 0803 900 3900 or 0802 900 2900 with the amount, date, time and the recipient’s name, account number and bank. The WhatsApp line and the complaints email are among official GTBank customer care contacts.

Call the same two numbers at once. GTBank is plain that a reversal is best effort, because it cannot debit someone’s account without their authority.

If the money went to a GTBank account, the agent can block the funds, but only for two weeks. In that time, the recipient can refund you directly or sign an instruction for GTBank to reverse it. If you cannot reach them, GTBank asks for a court order and a signed indemnity form. If it went to another bank, GTBank contacts that bank and tells you what it requires.

GTBank says it will never ask for your login, card details, PIN or token codes, by any form of communication, and that giving these away hands over your account. Its security page also warns that a phone number or email address you recognise is not proof that it is genuine. Report a suspicious call to GTConnect, and forward suspicious emails to [email protected].

If someone has your phone or your PIN, GTBank’s Bank 737 page lists *737*911# as its account block code. Dial it from your registered line, or call GTConnect from another phone if the line itself is gone. A lost card is stopped with *737*51*10#.

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