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Moniepoint USSD Code for Transfer (2026 Updated Guide) |
Learn the Moniepoint USSD code for transfer, how to send money without internet, activate USSD banking, fees, limits, and common issues.
Need to send money urgently but don’t have internet access? The Moniepoint USSD code for transfer makes it easy to move funds, pay bills, and manage your account directly from your mobile phone. This guide explains the latest Moniepoint USSD transfer code, how it works, who can use it, and common issues you should know in 2026.
If you’re a Moniepoint personal or business banking user looking for a fast, reliable offline transfer method, this article is written exactly for you.
What Is Moniepoint USSD Banking?
Moniepoint USSD banking is a mobile banking service that allows users to perform transactions using short dial codes instead of an internet connection. It works on all phones, including feature phones, and is especially useful in areas with poor network coverage.
With USSD banking, Moniepoint customers can:
- Transfer money
- Check account balance
- Buy airtime
- Pay bills
- Manage account settings
This service is officially provided by Moniepoint Microfinance Bank and complies with Nigerian banking regulations.
The Official Moniepoint USSD Code for Transfer
Current Moniepoint USSD Code
*5573#
This is the official and active Moniepoint USSD code for transfer used across Nigeria as of 2026.
You must dial the code from the phone number linked to your Moniepoint account.
How to Transfer Money Using Moniepoint USSD Code
Follow these simple steps carefully:
- Dial *5573#
- Select Transfer
- Choose To Bank Account
- Enter the recipient’s bank name
- Enter the account number
- Input the amount
- Enter your Moniepoint USSD PIN
- Confirm the transaction
Once successful, you’ll receive an on-screen confirmation and an SMS alert.
How to Transfer Money to Another Moniepoint User
Sending money to another Moniepoint account is faster and often cheaper.
Steps:
- Dial *5573#
- Select Transfer
- Choose Moniepoint to Moniepoint
- Enter recipient’s phone number or account number
- Enter amount
- Confirm with your PIN
Transfers between Moniepoint users are usually instant.
Requirements to Use Moniepoint USSD Transfer
Before using the Moniepoint USSD code for transfer, ensure the following:
- Your phone number is registered with Moniepoint
- You have activated USSD banking
- You have sufficient account balance
- Your Moniepoint PIN is active
If any of these are missing, the transaction may fail.
How to Activate Moniepoint USSD Banking
Most accounts have USSD enabled by default, but if yours isn’t:
- Open the Moniepoint App
- Go to Settings
- Enable USSD Banking
- Set or confirm your transaction PIN
You can download or update the app from Moniepoint’s official website to ensure full functionality.
Transaction Limits on Moniepoint USSD Transfers
Moniepoint applies limits in line with CBN regulations:
- Daily transfer limit: Depends on account tier
- Single transaction limit: Usually lower than app-based transfers
- New accounts: Lower limits until full KYC is completed
Upgrading your account improves your daily and monthly transaction limits.
Moniepoint USSD Transfer Charges
Charges may apply depending on the transaction type:
- Moniepoint to Moniepoint: often free or very low
- Moniepoint to other banks: small transfer fee
- Airtime purchase: no extra charge
Fees are displayed before final confirmation to ensure transparency.
What to Do If Moniepoint USSD Code Is Not Working
If *5573# doesn’t respond:
- Ensure you’re dialing from the registered number
- Check your network signal
- Restart your phone and try again
- Confirm you’re using the correct PIN
If issues persist, contact Moniepoint customer support through their official help channels on the Moniepoint website or verified social platforms.
Moniepoint USSD vs Moniepoint App: Which Is Better?
Both options serve different needs:
USSD Banking
- Works without internet
- Faster for basic transfers
- Ideal for feature phones
Mobile App
- Higher transaction limits
- Better transaction history
- More features and controls
Many users combine both for flexibility.
Security Tips When Using Moniepoint USSD
To keep your account safe:
- Never share your USSD PIN
- Avoid dialing USSD codes in public places
- Lock your SIM with a PIN
- Contact Moniepoint immediately if your phone is lost
Moniepoint follows banking security standards regulated by the Central Bank of Nigeria.
Frequently Asked Questions
Is the Moniepoint USSD code free?
Dialing the code is free, but transaction fees may apply.
Can I use Moniepoint USSD on any phone?
Yes. It works on both smartphones and feature phones.
Can I reverse a USSD transfer?
Only if the transaction fails. Successful transfers cannot be reversed automatically.
Need to send money now without internet? Dial *5573# and use the Moniepoint USSD transfer service today.
Conclusion
The Moniepoint USSD code for transfer offers a fast, reliable, and internet-free way to send money across Nigeria. Whether you’re using a smartphone or a basic phone, *5573# ensures you stay in control of your finances anytime, anywhere.
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