Are you looking for the main Moniepoint USSD Codes for Transfer in 2026, here you have it. The official Moniepoint USSD code is *5573#.
Quickly dial it from the phone number linked to your account to transfer money, buy airtime, check your balance, pay bills, and complete other banking transactions without internet access.
Poor network can happen at the worst possible time. Your banking app may stop loading just when you need to send money or buy airtime urgently.
Essentially, instead of relying on mobile data or a smartphone app, you can access your account directly from any phone using a simple short code.
It works on both smartphones and basic mobile phones, making banking faster and more convenient when internet access is unavailable.
This guide covers the main Moniepoint USSD codes for 2026, including transfer codes, airtime codes, balance check, bill payments, data purchase, PIN setup, common errors, and safety tips.
What Is Moniepoint USSD?
Moniepoint Unstructured Supplementary Service Data (USSD) is a mobile banking service that lets you access your Moniepoint account through short codes.
It works without internet access and can be used on any mobile phone.
USSD banking is particularly useful when:
- Your internet connection is slow or unavailable
- The Moniepoint app is down or your phone has no data
- You’re using a simple phone without app access
- You need to make a quick transaction without unlocking an app.
Main Moniepoint USSD Code (2026)
The primary Moniepoint USSD code is *5573#
When you dial *5573# from your registered phone number, the full Moniepoint USSD menu appears. From there, you can choose the transaction you want to perform.
You can also use direct shortcut codes if you already know the service you need.
Full List of Moniepoint USSD Codes and Their Uses
| Service | USSD Code |
|---|---|
| Open Main Menu | *5573# |
| Check Wallet Balance | *5573*5# |
| Send Money to Moniepoint User | *5573*1*Amount*Phone Number# |
| Transfer to other Bank Account | *5573*2*Amount*Account Number# |
| Buy Airtime for Yourself | *5573*Amount# |
| Buy Airtime for Others | *5573*Amount*Phone Number# |
| Buy Data Bundle | *5573*4# |
| Change User PIN | *5573*6# |
| Forgot User PIN | *5573*7# |
| Block/Unblock Card | *5573*911# |
| Block/Unblock Moniepoint Account | *5573*911# |
How to Activate Moniepoint USSD Banking
Before you can use any Moniepoint USSD code, you need to activate USSD feature on your account. Here’s how:
- Step 1: Log In to Your Moniepoint Account
Open the Moniepoint Personal or Business banking app on your phone and sign in to your account.
- Step 2: Open the Settings Menu
Tap your profile picture at the top left corner of the dashboard. From the menu that appears, select Settings.
- Step 3: Enable the USSD Feature
Find the USSD Feature option and switch it on. This activates USSD banking on your account.
- Step 4: Start Using Moniepoint USSD
Once activation is complete, you can begin using Moniepoint USSD codes for transfers, airtime purchase, data top-up, balance checks, PIN reset, bill payments, account blocking, and other banking services without internet access.
Moniepoint USSD Codes: Full Breakdown by Function
1. Moniepoint Transfer Code
- To send money to another Moniepoint user: *5573*1*Amount*Phone Number#
- To transfer to any Nigerian bank account: *5573*2*Amount*Account Number#
This works with major Nigerian banks such as GTBank, Zenith, Access, First Bank, UBA, Wema, and others. Transfer confirmations arrive via SMS immediately.
2. Moniepoint Code for Airtime
- Buy airtime for yourself: *5573*Amount#
- Buy airtime for someone else: *5573*Amount*Phone Number#
Recharge is instant. Works across all Nigerian networks.
3. Moniepoint Account Balance Check Code
To check your Moniepoint wallet balance:
- Dial *5573*5#
- Enter your PIN if prompted.
4. Moniepoint Data Purchase Code
To buy mobile data:
- Dial *5573*4#
5. Moniepoint Code to Block Your Account
If your phone is lost, stolen, or you suspect fraud:
- *5573*911#
- This code helps you block your Moniepoint account quickly.
How to Set or Reset Your Moniepoint USSD PIN
First-Time PIN Setup:
- Dial *5573# from your registered number
- Choose “Set PIN” and enter your preferred 4-digit PIN
- Confirm the PIN when prompted
Reset or Forgotten PIN:
- Dial *5573#
- Select “Reset PIN”
- Verify your identity via OTP sent to your registered phone number.
- Set your new PIN.
Never share your USSD PIN with anyone.
Moniepoint USSD Transaction Charges
- Most USSD actions on Moniepoint are free, including balance checks, airtime purchases, and account management.
- Bank transfers may attract a small transaction fee depending on the amount and volume of transactions within a given period.
- Fees where applicable are displayed on-screen before you confirm any transaction. You can cancel before confirming if the charge doesn’t work for you.
Common Moniepoint USSD Errors and How to Fix Them
| Error | Likely Cause | Fix |
|---|---|---|
| ‘Invalid PIN’ | Wrong PIN entered | Re-enter carefully; 3 wrong attempts locks the session |
| ‘Transaction Failed’ | Network issue or insufficient balance | Check balance first (*5573*5#), then retry |
| ‘USSD Service Unavailable’ | Network congestion | Wait 2–3 minutes and try again |
| ‘Phone Number Not Registered’ | Dialling from unregistered SIM | Use the SIM linked to your Moniepoint account |
| ‘Session Timed Out’ | Inactive for too long | Redial *5573# and start again |
| ‘Account Blocked’ | Too many failed PIN attempts | Dail *5573*911# or Contact Moniepoint support to unblock |
Is Moniepoint USSD Safe?
YES! Moniepoint USSD is secured by:
- PIN authentication on every transaction
- Session encryption: your session data is not stored or accessible after it ends
- Registered number verification: transactions can only be initiated from your linked SIM.
Safety tips:
- Never dial USSD codes on someone else’s phone
- Never share your PIN with anyone.
- If you lose your phone, immediately dial *5573*911# from any phone using your SIM to block your account
- Change your USSD PIN regularly.
Benefits and Limitations of Moniepoint USSD
Benefits:
- Works without internet
- Available on any phone, including non-smartphones
- Instant transactions
- Available 24/7
- Covers all essential banking actions from one main code.
Limitations:
- Each session has a time limit before it expires
- No transaction history view. You need the app or internet banking for this
- Dependent on network USSD availability
- Cannot perform complex operations like savings or loans
- PIN-based only. No biometric authentication like the app offers.
Despite these limitations, USSD handles the vast majority of everyday banking needs effectively.
Frequently Asked Questions About Moniepoint USSD Codes
1. What is the main Moniepoint USSD code?
The main code is *5573#
2. How do I check my Moniepoint balance without the app?
Dial *3890# from your registered phone number. Your wallet balance appears on-screen instantly.
3. Can I use Moniepoint USSD without internet?
Yes. Moniepoint USSD works entirely without an internet connection. You only need your registered SIM card and a mobile network signal.
4. How do I block my Moniepoint account via USSD?
Dial *5573*911# immediately. This blocks your account instantly and prevents any further transactions until you contact Moniepoint support to reactivate.
5. Is there a charge for using Moniepoint USSD?
Most services are free. Bank transfers may attract a small fee depending on the amount. All applicable fees are displayed on-screen before you confirm any transaction.
6. What if my Moniepoint USSD session times out?
Simply redial *5573# and start your transaction again. Sessions expire after a period of inactivity as a security measure.
Conclusion
Moniepoint USSD codes make everyday banking easier when internet access is poor or the app is unavailable.
The main code is *5573#. From there, you can send money, buy airtime, check your balance, pay bills, manage your PIN, and block your account when needed.
Save the codes. Use your registered SIM. Keep your PIN private.
Enjoy!
