How to Recharge MTN Line from Bank Without Scratch Card (2025 Guide)
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| How to Recharge MTN Line from Bank Without Scratch Card (2025 Guide) |
Learn how to recharge your MTN line directly from your bank using USSD codes, mobile banking apps, and other smart methods in 2025—no scratch card needed!
Scratch cards are slowly going out of style.
With mobile banking and USSD codes, you can now recharge your MTN line directly from your bank account—anytime, anywhere, even without internet access.
This 2025 updated guide shows you how to buy airtime for your MTN line without using a recharge card. Whether you prefer USSD or mobile banking apps, we’ve got you covered.
Method 1: Recharge Using Bank USSD Codes
Most Nigerian banks provide USSD codes that let you recharge your line in seconds.
Common Codes:
| Bank | USSD Code Format |
|---|---|
| GTBank | *737*amount# |
| Access Bank | *901*amount# |
| FirstBank | *894*amount# |
| UBA | *919*amount# |
| Zenith Bank | *966*amount# |
| Fidelity Bank | *770*amount# |
| FCMB | *329*amount# |
Example: To recharge ₦200 MTN using GTBank, dial:
*737*200#
Note:
- Make sure the phone number is linked to your bank account.
- USSD banking must be activated (usually with your ATM card or by visiting your bank).
Method 2: Recharge via Mobile Banking App
If you use a banking app, recharging is even easier:
General Steps:
- Open your bank’s mobile app
- Log in securely
- Go to the “Airtime/Top-Up” section
- Select MTN as network
- Enter the amount and phone number
- Confirm the transaction
Airtime is instantly credited to your MTN line.
Many apps like GTWorld, UBA Mobile, and AccessMore support this feature.
Method 3: Recharge Using MTN’s MTN On Demand
You can also use MTN’s universal bank recharge code:
👉 Dial:
*904*amount#
This works for many banks and routes recharge via MTN’s “On Demand” gateway.
💡 You’ll be prompted to choose your bank and complete with your PIN.
Extra Option: Recharge Through Payment Apps
Apps like:
Opay
PalmPay
Kuda
Moniepoint
Also let you recharge your MTN line easily. Just:
- Open the app
- Go to Airtime/Data
- Choose MTN
- Enter amount and confirm
Works with debit card or wallet balance.
Tips for Safe Mobile Recharge
- Never share your USSD PIN or app password
- Always confirm the phone number before submitting
- Use official apps from Google Play or App Store only
- Save frequently recharged numbers for speed
Summary Table
| Method | Requirement | Works Without Internet? |
|---|---|---|
| Bank USSD | Bank-linked SIM | ✅ Yes |
| Bank App | Smartphone & login | ❌ No |
| *904# MTN On Demand | Any MTN line | ✅ Yes |
| Fintech Apps | Wallet or card | ❌ No |
Gone are the days of searching for scratch cards. In 2025, recharging your MTN line directly from your bank is fast, safe, and reliable.
Whether you use a USSD code like *737*amount#, a mobile app, or MTN On Demand, you can top up your airtime instantly—even from the comfort of your home.
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