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| Learn how to use Moniepoint USSD code *5573# for transfers, balance checks, airtime purchases, and secure offline banking. |
Moniepoint USSD Code: Complete Guide to Transfers, Balance Checks, and Offline Banking
Moniepoint's official USSD code is *5573# — dialed from the phone number linked to your account, it opens a menu for transfers, balance checks, airtime purchase, and account security, all without needing internet access. Here's exactly how to use it, which shortcut codes are genuinely confirmed, and how to stay safe while banking offline.
The Official Moniepoint USSD Code
Dial `*5573#` from your registered phone number to open the main USSD menu. This works across all major Nigerian networks — MTN, Airtel, Glo, and 9mobile — and doesn't require a smartphone, app, or internet connection.
Note on an older code: If you've seen references to `*389#` for Moniepoint, that code is outdated — `*5573#` is the current, confirmed code.
What You Can Do With *5573#
After dialing the main code, the on-screen menu lets you:
- - Transfer money to another Moniepoint account or any Nigerian bank
- - Check your account balance
- - Buy airtime and data
- - Pay bills
- - Reset or change your PIN
- - Block or unblock your account
Verified Shortcut Codes (What We Can Confirm)
Important: Different sources online quote different exact shortcut codes for the same action (for balance checks, PIN resets, etc.), and they don't agree with each other. Moniepoint's own documentation indicates that beyond the main code, some shortcuts can vary — so rather than repeat conflicting numbers as fact, here's what's consistently confirmed across multiple official and reliable sources:
| Action | Code | Confirmation |
|---|---|---|
| Open main USSD menu | *5573# |
✅ Confirmed by Moniepoint directly |
| Block/unblock account | *5573*911# |
✅ Confirmed by Moniepoint directly |
| Transfer, balance check, airtime, PIN reset | Select from the *5573# menu |
⚠️ Use the menu, not a memorized shortcut — reported direct shortcuts for these vary by source and possibly by account |
Our recommendation: For anything beyond opening the menu or blocking your account, dial `*5573#` and navigate the on-screen options rather than relying on a specific shortcut you've seen elsewhere — this avoids landing in the wrong menu branch if a shortcut has changed or doesn't apply to your account type.
How to Transfer Money Using *5573#
1. Dial `*5573#` from your registered phone number
2. Select Transfer from the menu
3. Choose the destination: another Moniepoint account, or a bank account
4. Enter the recipient's account number
5. Select the destination bank, if applicable
6. Enter the amount
7. Confirm the recipient's name shown on screen
8. Enter your transaction PIN to authorize
You'll receive an SMS confirmation once the transfer completes.
How to Check Your Balance
1. Dial `*5573#`
2. Select Check Balance from the menu
3. Enter your PIN if prompted
Your balance displays directly on your screen.
How to Block Your Account (Security)
If your phone is lost or you suspect fraud:
1. Dial `*5573*911#`
2. Follow the prompts to freeze your account
To unblock, dial the same code and follow the unblock prompts, confirming your identity as required.
Buying Airtime and Data
1. Dial `*5573#`
2. Select Buy Airtime or Buy Data
3. Choose for yourself or another number
4. Enter the amount and confirm with your PIN
USSD Fees
Using USSD typically attracts a small network session fee — commonly cited around ₦6.98 per session — charged by your mobile network operator (not Moniepoint), consistent with standard USSD charges across Nigerian banks and fintechs. For transfers of ₦10,000 or more, the standard Electronic Money Transfer Levy (EMTL) of ₦50 may also apply, as with any Nigerian bank transfer at that threshold.
Quick Comparison: USSD vs. Moniepoint App
| Feature | USSD (*5573#) | Moniepoint App |
|---|---|---|
| Internet required | No | Yes |
| Works on feature phones | Yes | No |
| Speed for simple tasks | Very fast | Fast |
| Transaction history detail | Limited | Full |
| Advanced features | Limited | Full |
For a quick transfer or balance check with no data, USSD wins. For detailed transaction history or advanced account management, the app is the better tool.
Troubleshooting: When *5573# Doesn't Work
| Problem | Likely Cause | What to Do |
|---|---|---|
| No response after dialing | Network issue or wrong number | Confirm you're dialing from your registered phone number; check signal strength |
| "Invalid PIN" error | Wrong PIN entered | Use the in-menu reset option, or reset via the app if repeated attempts fail |
| Transaction failed but account debited | Network delay | Wait a few minutes; funds are typically reversed automatically. Contact support if not reversed |
| Menu doesn't match what you expected | Shortcut code mismatch | Dial the base code *5573# and navigate manually rather than using a memorized shortcut |
Security Tips
- - Never share your USSD PIN with anyone — Moniepoint will never ask for it via call, SMS, email, or WhatsApp
- - Avoid dialing USSD codes on shared or public phones
- - Lock your SIM card with its own PIN so a stolen phone can't be used to access USSD
- - If your phone is lost or stolen, block your account immediately via `*5573*911#` or by contacting Moniepoint support
- How to Borrow Money from Moniepoint
- Moniepoint Customer Care: How to Reach Support
Frequently Asked Questions
What is Moniepoint's USSD code?
`*5573#`, dialed from your registered phone number.
Do I need internet to use it?
No — USSD works entirely over your mobile network's GSM signal, with no data or internet connection required.
Can I use it on a basic (non-smartphone) phone?
Yes — it works on any phone capable of making calls and dialing USSD codes.
Is there a fee to use the USSD code?
Dialing itself typically costs a small network session fee (around ₦6.98), separate from any Moniepoint transaction fee.
What if I forget my PIN?
Use the PIN reset option within the `*5573#` menu, or reset it through the Moniepoint app if you have data access.
Conclusion
Moniepoint's USSD code — `*5573#` — is a genuinely reliable way to bank without internet, and the two things worth memorizing with confidence are the main code itself and the `*5573*911#` block code for emergencies. For everything else — transfers, balance checks, PIN resets — dialing the main code and following the on-screen menu is more reliable than trusting any specific shortcut you've seen quoted online, since these have been reported inconsistently across sources.
- Moniepoint Blog — What Is Moniepoint USSD Code? — official confirmation of the *5573# code and its core functions.
- Moniepoint USSD Banking (official product page) — official page confirming the code and supported services.
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