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| Moniepoint Transaction Code Nigeria 2026 |
Discover the Moniepoint transaction code Nigeria 2026 — how to use USSD codes like *5573# to send money, check balances, buy airtime/data, block accounts, and more.
In 2026, Moniepoint continues to lead fintech innovation in Nigeria, offering mobile-first financial services that rival traditional banking — all without requiring a physical branch. Whether you manage a business, receive POS payments, or simply want convenient peer-to-peer transfers, understanding the Moniepoint transaction code Nigeria 2026 is essential for seamless money movement and everyday banking. This comprehensive guide breaks down everything you need to know about Moniepoint’s USSD code, transaction flows, security, and practical use tips.
What Is the Moniepoint Transaction Code?
The Moniepoint transaction code in Nigeria refers to the USSD (Unstructured Supplementary Service Data) code that allows Moniepoint users to perform financial transactions directly from their mobile phones — even without internet access.
Unlike traditional banks that rely heavily on apps or web pages, Moniepoint’s USSD transaction system enables quick access to key services such as:
- Sending money to individuals and bank accounts
- Checking account balance
- Buying airtime and data
- Paying utility bills
- Blocking or unblocking accounts
- Retrieving transaction details and OTPs
To access this service, Moniepoint customers *dial 5573# on the phone number linked to their account.
Why Moniepoint’s USSD Code Matters in 2026
In a country where reliable internet is not always guaranteed, USSD remains a powerful tool for financial inclusion. Here’s why the Moniepoint transaction code Nigeria 2026 is so valuable:
- No Internet Needed: USSD works on any phone — even basic feature phones.
- Fast Access: Transactions are processed in seconds — ideal for busy merchants and everyday users.
- Wide Compatibility: Works across all Nigerian mobile networks (MTN, Airtel, Glo, 9Mobile).
- Security: Transactions require PIN confirmation, protecting against unauthorized access.
By mastering this code, users can enjoy banking without the constraints of data plans or smartphone dependence.
How to Activate the USSD Feature
Before you use the Moniepoint transaction code Nigeria 2026, you may need to activate USSD banking on your account. Here’s how:
- Open the Moniepoint Personal or Business app and log in.
- Go to Settings by tapping your profile icon.
- Locate USSD Banking and toggle it on.
- Confirm with your PIN when prompted.
After activation, you can begin using the USSD transaction code *5573# immediately.
Primary Moniepoint Transaction Code & What It Does
Main USSD Entry Code
*Dial 5573# on the phone number linked to your Moniepoint account to access the main menu.
After dialing this code, you’ll see an on-screen menu where you can select different transaction options.
How to Send Money Using the Moniepoint Transaction Code
Sending money is one of the most common financial needs — and with Moniepoint’s USSD system, it’s fast and offline friendly.
Step-by-Step
- *Dial 5573# from your registered Moniepoint number.
- Select ‘Transfer’ from the menu.
- Choose the transfer type — to another Moniepoint wallet or to a bank account.
- Enter the amount you want to send.
- Provide the recipient details (phone number or bank account number).
- Authenticate with your USSD PIN.
Once confirmed, you’ll receive a text message confirming the successful transfer.
Note: Moniepoint ensures transfers are processed instantly, making this method ideal for everyday use.
Check Your Moniepoint Account Balance via USSD
Knowing your account balance helps you manage spending and plan transactions.
Balance Check Steps
- Dial ** *5573#**.
- Choose ‘Check Balance’ from the menu.
- Enter your PIN when prompted.
You’ll immediately see your current wallet balance displayed on your phone.
Buy Airtime and Data Using the Moniepoint Transaction Code
With *5573#, you can purchase airtime or data without switching to another platform:
Airtime for Yourself
- Dial *5573# > Select Buy Airtime > Enter amount > Confirm with PIN.
Airtime for Others
- Dial *5573# > Choose Buy for Others
- Enter the recipient phone number and the airtime amount > Confirm.
Buy Data
- Follow similar steps but select Buy Data from the menu.
- Enter the beneficiary number and choose your preferred data plan.
This feature is particularly helpful during emergencies, travel, or when your internet is down.
Pay Bills with the USSD Code
The Moniepoint transaction code Nigeria 2026 also supports utility and bill payments:
- Electricity bills (PHCN/DISCO)
- Cable TV subscriptions (DSTV, GOTV, Startimes)
- School fees and other recurring payments
Simply dial *5573#, choose Pay Bills, and follow the prompts. Confirm with your transaction PIN, and the payment will be processed instantly.
Block & Unblock Your Account Using USSD
Security is critical, especially in the event of a lost phone or suspected fraud.
Block Account
- Dial ** 5573911#** and follow the prompts to freeze all debit transactions immediately.
Unblock Account
- Dial the same 5573911# code and choose Unblock Account.
- Enter your details and PIN to restore access.
These options give users greater control over their finances and protect against unauthorized activities.
Reset or Change Your USSD PIN
If you forget your USSD PIN, most Moniepoint banking menus provide a PIN reset option:
- Dial *5573#.
- Select Reset PIN/Forgot PIN.
- Follow the on-screen instructions to set a new PIN.
Always choose a strong, memorable PIN to secure your transactions.
Common USSD Errors & How to Fix Them
Even the best systems can encounter temporary issues. Here’s how to troubleshoot common Moniepoint USSD hiccups:
“Code not working”
- Ensure you’re dialling *5573# from the phone number linked to your Moniepoint account.
- Check network coverage.
“Insufficient balance”
- Top up your wallet before trying again.
“Invalid PIN”
- Use the Reset PIN option via USSD or Moniepoint app.
Regularly updating the app and keeping sufficient balances helps prevent most errors.
Ready to make banking easier in 2026?
Dial *5573#* from your linked phone number today to access Moniepoint’s full suite of USSD transactions — even without internet access!
Conclusion
The Moniepoint transaction code Nigeria 2026 (*5573#) is more than just a shortcut — it’s a powerful gateway to convenient, secure, and offline financial services. From sending money and checking balances to buying airtime/data, paying bills, and managing account security, this USSD code offers vast functionality at your fingertips.
Best of all, it works on all mobile networks and doesn’t require internet access, which makes it indispensable for users across Nigeria — whether in urban hubs or rural communities. With simple activation and a few quick steps, you can enjoy a modern banking experience without the typical constraints of apps or data plans.
Master the Moniepoint transaction code, and take full control of your finances in 2026 and beyond.
