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| Moniepoint USSD Code Nigeria 2026 |
Discover the definitive Moniepoint USSD code Nigeria 2026 guide — complete steps, shortcut codes, security tips, and how to bank without internet using *5573#.
In Nigeria’s rapidly evolving financial landscape, Moniepoint USSD code Nigeria 2026 is one of the most important tools for customers who want to access banking services without the need for internet data or a physical banking app. Whether you’re new to Moniepoint’s personal or business banking, this guide will walk you through everything you need to know—from the main USSD code to how it works, how to activate it, and the most useful shortcut codes you’ll use in 2026.
By the end of this article, you’ll understand how Moniepoint’s USSD banking works, how to use it securely from your phone, and how it enhances your everyday financial activities—even when you’re offline.
What Is Moniepoint USSD Banking?
USSD (Unstructured Supplementary Service Data) banking allows you to perform various financial transactions directly from your mobile phone’s dialer without needing an internet connection. For banks and fintech companies in Nigeria, USSD codes are vital tools for financial inclusion, especially in areas with limited data access.
Moniepoint introduced its USSD banking service through a dedicated code that enables quick, secure, and reliable transactions on any mobile network. This service is ideal for users with basic phones or limited data plans.
The Main Moniepoint USSD Code in Nigeria (2026)
The primary Moniepoint USSD code Nigeria 2026 is:
*5573#
Dialing this code from the phone number linked to your Moniepoint account opens the Moniepoint USSD menu, allowing you to perform several banking tasks without internet access. It’s simple, fast, and works across all major Nigerian networks including MTN, Airtel, Glo, and 9Mobile.
Why the *5573# Code Matters in 2026
In a digital era where many financial services depend on internet access, USSD banking remains a critical backup and primary access method for millions of Nigerians. Here’s why the *5573# code is essential:
- No internet needed — Works offline.
- Wide accessibility — Supports feature phones and smartphones alike.
- Fast and secure — PIN-protected transactions.
- 24/7 availability — Use anytime, anywhere.
As Nigeria continues to expand mobile financial services, Moniepoint’s USSD code is a dependable option for everyday banking tasks without the need for a smartphone or mobile data.
How to Activate Your Moniepoint USSD Code
Before you can use Moniepoint’s USSD banking, you must activate the service on your account.
Step-by-Step Activation
- Open the Moniepoint App — Use the official Personal or Business app.
- Log In — Enter your username and PIN.
- Navigate to Settings — Tap your profile picture or settings icon.
- Enable USSD Banking — Toggle on the USSD feature under transaction settings.
After activation, you can immediately dial *5573# from the phone number registered to your Moniepoint account.
Note: Some new accounts may have the USSD feature enabled by default. If the code doesn’t work immediately, verify activation in your app settings.
How Moniepoint USSD Works
Once you dial *5573#, a menu appears with different options depending on what you want to do. You’ll typically see options like:
- Transfer funds
- Check balance
- Buy airtime or data
- Pay bills
- Reset or change PIN
- Block or unblock account
You’ll be prompted to enter your USSD PIN for authorisation on each financial transaction, making the process secure even without internet access.
Useful Moniepoint USSD Codes and Shortcuts
While dialing *5573# brings up the main menu, shortcut combinations help you complete tasks quickly.
Here are some valuable USSD codes you can use in 2026:
| Action | USSD Code |
|---|---|
| Main USSD menu | *5573# |
| Transfer to another Moniepoint wallet | *5573*1*Amount*Account# |
| Transfer to a bank account | *5573*2*Amount*Account# |
| Buy airtime (self) | *5573*Amount# |
| Buy airtime (others) | *5573*Amount*PhoneNumber# |
| Buy data | *5573*4# |
| Reset or change PIN | *5573*6# |
| Block account (security) | *5573*911# |
| Check balance | Select balance option from *5573# |
These shorthand codes help you save time and interact with Moniepoint banking quickly. Always ensure you enter the correct details before authorising with your USSD PIN.
Everyday Banking Tasks with Moniepoint’s USSD
Here are common ways Nigerians use the Moniepoint USSD code daily:
Transfer Funds
You can move money between Moniepoint wallets or to other banks without internet. Just dial the appropriate code and follow the prompts.
Check Account Balance
Stay updated on your balance by selecting the balance option after dialing *5573#. It’s quick and doesn’t require data.
Buy Airtime or Data
Recharge your phone or someone else’s by using the airtime/data options in the menu. This is crucial when internet access is limited.
Security & PIN Management
Use USSD to reset or change your transaction PIN and even block your account in case of suspected fraud or phone loss.
Security and Best Practices
Moniepoint’s USSD service is designed with security in mind. However, protecting your PIN and phone is critical:
- Never share your USSD PIN with anyone.
- Avoid using USSD codes on public or shared phones.
- Block your account immediately if you suspect fraud using the 5573911# code.
These simple habits go a long way toward protecting your funds.
USSD vs. Mobile App: Which Is Better?
Both USSD and the Moniepoint mobile app are useful, but they serve slightly different needs:
| Feature | *USSD Code (5573#) | Mobile App |
|---|---|---|
| Internet needed | ❌ No | ✅ Yes |
| Speed | Very Fast | Fast |
| Device needed | Any phone | Smartphone |
| Visual Dashboard | ❌ No | ✅ Yes |
| Advanced features | Limited | Full features |
For quick actions like balance checks or transfers without internet, USSD code banking wins. For more detailed tasks and detailed transaction history, the Moniepoint mobile app remains helpful.
Network Compatibility and Costs
Moniepoint’s USSD banking works on all major Nigerian networks, including MTN, Airtel, Glo, and 9Mobile. Note that while the USSD service itself is free, your network operator may charge a small USSD session fee, usually a minimal amount per dial.
Try the Moniepoint USSD code today! Dial *5573# from your registered phone and explore how fast and convenient offline banking can be.
FAQs (Frequently Asked Questions)
1. Do I need internet to use Moniepoint USSD?
No. The USSD code *5573# works without internet, making it ideal in low-connectivity areas.
2. Can I reset my Moniepoint PIN with USSD?
Yes, you can reset or change your PIN using the USSD menu or a specific PIN code.
3. Is Moniepoint USSD available 24/7?
Yes, because it doesn’t depend on internet access, you can use it anytime.
*4. What if 5573# isn’t working?
Ensure your Moniepoint USSD feature is enabled in the app and that you’re dialing from your registered phone number.
Final Thoughts: Why Moniepoint USSD Code Nigeria 2026 Matters
As Nigeria continues to embrace digital financial services, the Moniepoint USSD code Nigeria 2026 stands out as a practical tool for everyday banking. The *5573# code allows millions of Nigerians to stay financially active and connected—even without internet access. Its convenience, speed, and simplicity make it a must-know for anyone using Moniepoint’s personal or business banking services.
Final
Don’t let lack of internet hold you back. *Dial 5573# now to access your Moniepoint account and enjoy secure banking on the go!
