AI agents for business finance: what they can and can't do
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The short answer
Dial *737*1*Amount*AccountNumber# to send to a GTBank account and *737*2*Amount*AccountNumber# to send to any other Nigerian bank, then confirm with your 737 PIN or card digits. GTBank's pages give two different daily caps as at October 2026, ₦1,000,000 on the features page and ₦200,000 in the FAQ, and transfers above ₦500,000 need a hardware token.
The two transfer strings
| Sending to | String | Example |
|---|---|---|
| Another GTBank account | *737*1*Amount*AccountNumber# | *737*1*20000*0123456789# |
| Any other Nigerian bank | *737*2*Amount*AccountNumber# | *737*2*20000*0123456789#, then pick the bank |
| Quick transfer menu | *737*23# | Menu-led version listed on GTBank's Bank 737 page |
Account numbers are the 10-digit NUBAN. For other banks, the menu asks you to choose the destination bank after you dial, then shows the account name. Check the name before you confirm; a transfer to the wrong account is hard to recover, as reversing a wrong GTBank transfer explains.
Step by step, including the PIN step
- Dial from the phone number registered on your GTBank account. 737 needs no separate registration.
- Enter the full string with the amount and account number.
- For other banks, choose the bank from the list.
- Check the account name returned.
- Confirm. GTBank's 737 FAQ says confirmation uses your 4-digit 737 PIN or the last four digits of your active naira Mastercard; the features page says other-bank transfers ask for the last four digits of your GTBank Naira Mastercard.
- For larger amounts you may also be asked for a hardware token code (see below).
- Keep the confirmation message and the debit alert.
If you have no PIN yet, create one with *737*5#; see resetting or changing your 737 PIN.
Limits: what GTBank publishes
GTBank's two official 737 pages do not agree on the daily limit, so here is exactly what each says (both undated, read in October 2026):
- Bank737 features page
- "Daily transfer limit: N1,000,000." Transfers of ₦100 to ₦500,000 can be confirmed with the 737 PIN or a hardware token; ₦500,001 to ₦1,000,000 need a hardware token only. A one-off indemnity is required above ₦100,000.
- Bank737 FAQ
- "A daily cumulative limit of N200,000 is allowed for transfers to GTBank and other bank accounts."
- GTWorld apps page
- After a transaction PIN change, third-party transfers are capped at ₦125,000 a day for 48 hours.
The safest reading is that ₦200,000 a day is what most customers without a token and indemnity can expect, and higher figures need extra authentication. Confirm your own limit with GTConnect before relying on 737 for a large payment. Account tier also matters; see GTBank daily transfer limits by tier.
The one-off indemnity and the hardware token
Two extra steps appear on the features page for larger amounts. First, a one-off indemnity is needed before you can send more than ₦100,000 to another bank by USSD. An indemnity is a signed undertaking that you accept responsibility for transactions on the channel; GTBank does not describe on that page how to sign it, so ask at a branch or through GTConnect. Second, from ₦500,001 up to ₦1,000,000, only a hardware token code is accepted, not the 737 PIN. If you do not have a token, see the GTBank internet banking token. Without both, plan to split larger payments across days or use GTWorld.
The features page also notes that for GTBank-to-GTBank transfers the recipient's phone must be registered with GTBank. If a same-bank transfer is refused for no obvious reason, that detail may be the cause.
What it costs
GTBank's 737 FAQ says "The charge for GTBank transfer is ₦20 & ₦50 for other Banks transfer per transaction", but the short-code table on the same page lists ₦80 for other-bank transfers. Because the page contradicts itself, check the charge in your debit alert after your first transfer, or ask GTConnect. For comparison, the CBN Guide to Charges (effective 1 January 2020) caps electronic transfer charges at ₦10 below ₦5,000, ₦25 from ₦5,000 to ₦50,000 and ₦50 above ₦50,000, and says USSD transfers follow prevailing NIP charges.
Separately, from 1 January 2026 a ₦50 stamp duty applies to electronic transfers of ₦10,000 or more and is deducted from the sender (Techeconomy, 1 January 2026); transfers below ₦10,000 are exempt.
Worked example: total cost of one transfer
Example only. Amaka sends ₦75,000 to an account at another bank with *737*2*75000*0123456789#. Using the CBN 2020 maximum of ₦50 for a transfer above ₦50,000, plus the ₦50 stamp duty because the amount is ₦10,000 or more, the most she should expect is ₦75,000 + ₦50 + ₦50 = ₦75,100 leaving her account, before any telco session charge. If the bank applies the ₦80 shown in the FAQ table instead, the total would be ₦75,000 + ₦80 + ₦50 = ₦75,130. Her alert will show which.
What to check first
- The account name shown matches the person you intend to pay.
- The amount is within today's remaining limit.
- You have network signal; a dropped session mid-transfer may still have gone through, so check your balance before repeating it.
- If debited but the recipient has not been credited, see failed GTBank transactions not reversed.
Where Pryme fits
Pryme customers send naira to any Nigerian bank from the app; see sending money with Pryme. The fee is shown before you approve.
Questions people ask
What is the GTBank transfer code to other banks?
Dial *737*2*Amount*AccountNumber# from your registered number, choose the bank, check the name and confirm with your 737 PIN or card digits.
What is the GTBank USSD transfer limit per day?
GTBank's 737 FAQ says ₦200,000 a day; its features page says ₦1,000,000, with amounts above ₦500,000 needing a hardware token. Confirm your own limit with GTConnect.
How much does GTBank charge for USSD transfer?
The 737 FAQ lists ₦20 to GTBank and ₦50 to other banks, but its table lists ₦80 for other banks. Check your debit alert; a ₦50 stamp duty also applies to transfers of ₦10,000 or more.
Can I transfer from GTBank to Opay or Moniepoint with *737#?
Yes, if the provider appears in the bank list when you dial *737*2*Amount*AccountNumber#. Check the account name before confirming.
Sources
- GTBank Bank737: complete list of features (undated page) · accessed Oct 2026
- GTBank Bank737: frequently asked questions (undated page) · accessed Oct 2026
- GTBank: Bank 737 service page (undated) · accessed Oct 2026
- GTBank: GTWorld and other apps (undated) · accessed Oct 2026
- CBN Guide to Charges by Banks, Other Financial and Non-Bank Financial Institutions (effective 1 January 2020) · accessed Oct 2026
- Techeconomy: Stamp duty replaces EMTL, sender to bear ₦50 charge on bank transfers (1 January 2026) · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.