Nigeria Bank Transfer Codes 2026 — GTBank, Opay, Kuda, UBA USSD

Frequently Asked Questions

How do I transfer money with GTBank USSD?

Dial *737# from your registered GTBank number. Follow the prompts to transfer to any bank account. No internet required. Daily limit applies.

How do I send money with Opay without internet?

Dial *955# from your Opay-registered number. Select "Transfer" and follow the prompts. You can transfer to any Nigerian bank account.

What is the transfer limit for USSD codes?

Most banks set a USSD transfer limit of ₦100,000–₦200,000 per day. GTBank allows up to ₦200,000 per transaction via *737#. Contact your bank for exact limits.

Are USSD transfers charged?

Most banks charge ₦10–₦50 per USSD transfer. Some fintech apps like Kuda and Opay offer free transfers up to a monthly limit before charges apply.

What if my USSD transfer fails?

Check your account balance first. Ensure you're dialling from your registered phone number. If the issue persists, contact your bank's customer service or visit the nearest branch.

🏦 Nigeria Bank Transfer Codes 2026