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The short answer
GTBank's 737 page sets a daily USSD transfer limit of ₦1,000,000: up to ₦500,000 can be approved with your 737 PIN, and amounts from ₦500,001 to ₦1,000,000 need a hardware token. App and internet banking limits depend on your account tier and the limit set on your profile, which GTBank shows in GTWorld rather than on a public table.
Three things set your GTBank limit
People often talk about "the GTBank limit" as if it were one number. In practice three separate things decide how much you can send in a day:
- The channel: USSD (*737#), the GTWorld app, or internet banking. Each has its own cap.
- How you authenticate: 737 PIN, soft token, eToken app or hardware token. Stronger authentication allows larger amounts.
- Your account tier: the CBN's tiered KYC system limits low-documentation accounts regardless of channel.
The lowest of these three wins. A fully documented account still cannot send ₦2 million on USSD, and a Tier 1 account cannot send large sums even with a hardware token.
USSD (*737#) limits GTBank publishes
GTBank's Bank 737 features page, read in October 2026, gives these figures:
| Item | What GTBank states |
|---|---|
| Daily transfer limit on 737 | ₦1,000,000 |
| ₦100 to ₦500,000 | 737 PIN or hardware token |
| ₦500,001 to ₦1,000,000 | Hardware token only |
| Above ₦100,000 | One-off indemnity required |
| Airtime and data recharge | ₦10,000 a day |
| Soft token from *737*7# | Valid 120 seconds, validates up to ₦500,000 |
Transfers to other banks use *737*2*Amount*AccountNumber#, and must come from the phone number registered on your account. The full code list is on GTBank's 737 page.
GTWorld app and internet banking
GTBank does not publish a single table of app or internet banking limits on the pages we read. What it does say is that the *737*7# soft token works for Internet Banking, the mobile app and GTWorld and validates up to ₦500,000. Above that, you need a stronger factor such as the GT eToken app or a hardware token; see getting a GTBank token.
Your current limit is shown inside GTWorld under your profile or settings. Because it can differ from one customer to the next, treat any figure you see quoted online as a guide, not your limit.
Raising the app limit
A third-party guide updated in October 2026 describes the route as: update GTWorld, log in, open settings, choose the account and channel, go to the limit management section, enter the new limit and submit, then wait for GTBank's review, which it says can take a few business days. We could not find these steps on a GTBank page, so if the option is missing in your app, call GTConnect or visit a branch. Expect to be asked for a hardware token or a signed indemnity for higher amounts, as the 737 page already requires one above ₦100,000.
How your tier caps you
Under the CBN's three-tier KYC framework, a Tier 1 account opened with minimal details has low transaction and balance limits, Tier 2 sits in the middle and Tier 3, with full documentation and verified address, has the highest. GTBank's page for opening an account by dialling *737*0# shows what a basic account looks like: a maximum deposit of ₦20,000 per transaction and a maximum balance of ₦100,000, with one branch visit required for authentication and BVN linking.
The exact daily send limits for each GTBank tier were not on the pages we opened, so check them in the app or with GTConnect. Our explainer on KYC tier limits in Nigeria covers how the tiers work in general, and upgrading a GTBank account covers the documents for moving up.
Worked example
Example only. Ada has a fully documented GTBank account and needs to pay a supplier ₦750,000 today from her phone with no data.
- On USSD, ₦750,000 is above the ₦500,000 PIN band, so she needs a hardware token.
- Without one, she could send ₦500,000 with her 737 PIN and the remaining ₦250,000 as a second transfer, as long as the daily total stays within ₦1,000,000: ₦500,000 + ₦250,000 = ₦750,000.
- She has signed the one-off indemnity, because both transfers are above ₦100,000.
Splitting a payment to get round a limit is allowed only within the daily total; it does not raise the cap.
What to check first
- Which channel are you using, and is your phone the registered number?
- What token do you have: 737 PIN, soft token, eToken app or hardware token?
- What tier is the account? A Tier 1 account will block larger transfers whatever the channel.
- Has the indemnity been signed if you are sending more than ₦100,000 on 737?
What each transfer costs
Limits decide how much you can send; charges decide what it costs. The CBN's 2020 Guide to Charges sets interbank electronic transfer fees at ₦10 below ₦5,000, ₦25 from ₦5,000 to ₦50,000 and ₦50 above ₦50,000, as summarised by TechCabal in its April 2026 report on a draft revision, which proposes making transfers up to ₦5,000 free. GTBank's own current charges are covered in GTBank transfer charges; the app shows the fee before you confirm.
Where Pryme fits
Pryme accounts use an authenticator app and a transaction PIN rather than SMS codes, and limits are shown in the app; see how Pryme secures payments and sending money. It is an option to hold beside a GTBank account, not a replacement for one.
Questions people ask
What is GTBank daily transfer limit on 737?
GTBank's 737 page states a daily transfer limit of ₦1,000,000. Up to ₦500,000 can be approved with a 737 PIN; ₦500,001 to ₦1,000,000 needs a hardware token.
How can I increase my GTBank transfer limit?
Check the limit settings in GTWorld; third-party guides describe a limit management option there, reviewed by GTBank. If it is not available, call GTConnect or visit a branch. Larger limits usually need a hardware token or indemnity.
Why can't I send more than ₦500,000 on GTBank USSD?
Amounts above ₦500,000 on 737 need a hardware token, according to GTBank's 737 page. The 737 PIN and soft token only cover up to ₦500,000.
What is the limit for a GTBank account opened with *737*0#?
GTBank's 737 page shows a maximum deposit of ₦20,000 per transaction and a maximum balance of ₦100,000, until you complete further KYC.
Sources
- GTBank: Bank 737 features list · accessed Oct 2026
- Waka Abuja: How to increase GTBank transfer limit (updated 19 Oct 2026) · accessed Oct 2026
- TechCabal: CBN draft Guide to Charges 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.