GTB USSD Code List 2026 + FCMB, UBA & Fidelity

If you’ve ever been stranded without data or needed to make a quick transfer when your bank app is “currently down,” you know USSD banking is a lifesaver.

This guide covers everything you need to know, starting with the most searched query in Nigeria: the GTB USSD code. Below is the complete, updated list for 2026 to help you bank without internet.

GTB USSD Code: The Complete *737# List

The GTB USSD code (*737#) is easily the most robust mobile banking platform in Nigeria. It allows you to do almost anything—from buying data to generating token codes—without a single byte of internet data.

Here is the master list of codes you need:

Advanced Features of the GTB USSD Code

Most people stop at transferring money, but you are missing out if you don’t use the advanced features.

• Generate Tokens: Need to complete an online transaction but left your hardware token at home? Now You Can Generate GTBank Token Code Via USSD by simply dialing *737*7#. It is a game-changer for valid OTPs on the go.
• Cardless Withdrawal: Dial *737*3*Amount# to generate a paycode. You can walk to any GTBank ATM, press a few buttons, and get cash without your debit card.
• Bill Payments: You can pay electricity or StarTimes bills directly.

For a deeper dive into these hidden features, check out 8 Things You Can Do With GTBank 737 Code.

FCMB USSD Code (*329#)

FCMB’s 329 service is straightforward and rarely experiences network downtime.

• Transfer Money: *329*Amount*Account No#
• Check Balance: *329*00#
• Buy Airtime (Self): *329*Amount#
• Buy Airtime (Others): *329*Amount*Phone No#
• Pay Bills: *329*2*Amount*Smartcard No# (DSTV/GOTV)
• Reset PIN: *329*0#

UBA USSD Code (*919#)

UBA calls their service “Magic Banking.” It is popular for having higher daily transaction limits for verified users compared to other banks.

• Check Balance: *919*00#
• Transfer to UBA: *919*3*Account No*Amount#
• Transfer to Other Banks: *919*4*Account No*Amount#
• Airtime (Self): *919*Amount#
• Freeze Account (Emergency): *919*9#

Fidelity Bank USSD Code (*770#)

Fidelity’s 770 makes it incredibly easy to fix issues like a blocked card or forgotten PIN without visiting a branch.

• Transfer Funds: *770*Account No*Amount#
• Check Balance: *770*0#
• Airtime (Self): *770*Amount#
• Block Card (Stolen/Lost): *770*911#

Safety First: Don’t Get Scammed

While the GTB USSD code and others are convenient, they are targets for fraudsters. The “SIM Swap” scam is real—if your phone loses signal suddenly for hours, contact your network provider immediately.

Crucial Safety Tips:

1. Memorize the “Panic” Codes: Every bank has a code to instantly block your account. For GTB it is *737*51*10#; for UBA it is *919*9#. Save these on a different phone (like a sibling’s or spouse’s) so you can dial them if your phone is stolen.
2. Never Share Your PIN: No bank staff will ever ask for your 4-digit PIN.
3. Read Before You Click: Fraudsters often send fake “USSD prompts,” hoping you will absent-mindedly type your PIN. Always read the screen pop-up.

GTBank has actually rolled out updates specifically to combat this. Read more on how GTBank Has Made 737 Service More Secure.

Troubleshooting: When the Code Fails

Getting the dreaded “Connection Problem or Invalid MMI Code” error when dialing the GTB USSD code? Here is how to fix it:

• Restart Your Phone: It sounds cliché, but it clears temporary network glitches.
• Check Your SIM Slot: If you use a dual-SIM Android, USSD codes often default to SIM 1. Ensure your bank-registered SIM is in the primary slot or selected before dialing.
• Add a Comma: This is an old trick. If *737# fails, try dialing *737#, (add a comma at the end). It forces the network to keep the session open longer.
• Airplane Mode: Toggle Airplane Mode on for 10 seconds and turn it off. This refreshes your connection to the cell tower.