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The short answer
Moniepoint's USSD code is *5573#, dialled from the number registered to your account after you enable USSD in the app. It covers balance (*5573*5#), transfers, airtime, data, PIN reset, OTPs and blocking (*5573*911#). Moniepoint's article sets USSD transfers at 20,000 per transfer and 100,000 per day.
Moniepoint's USSD code is *5573#. Dialled from the phone number registered on your Moniepoint account, it opens a menu for checking your balance, sending money, buying airtime and data, resetting your PIN, getting a one-time password and blocking your account. It is useful when you have no data, your phone is basic, or the app will not load. This guide sets out every shortcode Moniepoint publishes, the limits it states, and what to watch for.
The *5573# shortcodes, as Moniepoint publishes them
Moniepoint's own help article on its USSD service (dated 18 March 2024, on a site carrying a 2026 copyright) lists the following codes. You can dial the main menu and navigate, or use a direct shortcode to skip steps.
| What you want to do | Code to dial |
|---|---|
| Open the main menu | *5573# |
| Check balance and account details | *5573*5# |
| Send to another Moniepoint account | *5573*1*Amount*AccountNumber# |
| Send to another bank | *5573*2*Amount*AccountNumber# |
| Buy airtime for your own line | *5573*Amount# |
| Buy airtime for another number | *5573*Amount*PhoneNumber# |
| Buy data | *5573*4# |
| Reset your USSD PIN | *5573*6# |
| Get an OTP | *5573*73Code# |
| Get an OTP during sign-up | *5573*74Code# |
| Recover a forgotten username | *5573*73*1# |
| Block your account | *5573*911# |
Before the code works: enabling USSD
USSD is not switched on by itself. Moniepoint says existing customers enable the channel in the app's settings, and that step needs your PIN. After that:
- Dial from the SIM registered to the account. Moniepoint says the accounts you see on USSD are tied to the phone number, so dialling from another line will not show your account.
- Sensitive actions, such as transfers, need your USSD user PIN. If you forget it, *5573*6# starts a reset.
- If you hold more than one Moniepoint account on the same number, the menu shows the accounts linked to that number; pick the right one before you send.
Limits Moniepoint states for USSD
Moniepoint's article gives these USSD limits. It does not print a currency symbol, but they are naira amounts for a Nigerian account. They are separate from, and lower than, what many customers can do in the app.
| Service | Single transaction | Daily total |
|---|---|---|
| Transfers | 20,000 | 100,000 |
| Airtime | 10,000 | 10,000 |
| Data | 10,000 | 10,000 |
These figures come from a 2024 article. Limits are reviewed from time to time, so if a transfer is refused, check the current figure in the Moniepoint app or with support. Your overall account limits also depend on your KYC tier; see KYC tiers in Nigeria.
Example: paying a supplier by USSD
Example only. You need to pay a supplier ₦45,000 and the app will not open. At a single-transfer cap of 20,000, you would need three transfers (₦20,000 + ₦20,000 + ₦5,000 = ₦45,000), all within the 100,000 daily total. Each transfer to another bank may carry a transfer fee and, at ₦10,000 or more, the ₦50 stamp duty that senders now bear under the Nigeria Tax Act 2025, so three separate transfers can cost more than one app transfer would.
What it costs
Moniepoint says dialling *5573# itself "doesn't cost anything". Its article does not list transfer or airtime fees on USSD, so treat those as unconfirmed and read the confirmation screen, which shows what will be charged before you approve. If you notice a deduction from your airtime after a session, raise it with your mobile network and with Moniepoint.
Blocking your account if your phone or card is gone
The block code *5573*911# is the main reason to save the Moniepoint code even if you prefer the app. Moniepoint says a friend or relative can block for you if they have access to the USSD channel. It also says that only the person who blocked the account can unblock it, so whoever blocks should be someone you can reach afterwards.
- Dial *5573*911# from the registered number, or from a trusted person's line if they have USSD access.
- Follow the prompts to choose the account and confirm.
- Call Moniepoint support and note the time and reference.
- If money has already left, follow what to do in the first hour after fraud.
Staying safe on USSD
- Never give anyone your USSD PIN or the OTP from *5573*73Code#. No genuine staff member needs it.
- A thief with your SIM can use USSD. If your line is swapped or your phone stolen, block first; see SIM swap fraud and USSD banking fraud.
- People standing nearby can read amounts and account numbers on your screen. Dial in private, and do not dial a code someone sends you to "confirm" a payment.
Where Pryme fits
Pryme is app-based rather than USSD-based, and protects sign-in with an authenticator app and a transaction PIN rather than SMS codes (security). Airtime and data can be bought in the app (airtime and data). If you want to see how a Pryme account works before deciding, read how it works.
Questions people ask
What is the USSD code for Moniepoint?
*5573#. Dial it from the phone number registered on your Moniepoint account after enabling USSD in the app settings.
How do I check my Moniepoint balance without data?
Dial *5573*5# from your registered line and enter your PIN when asked.
How do I block my Moniepoint account with USSD?
Dial *5573*911# and follow the prompts. Moniepoint says only the person who blocked it can unblock it, so call support afterwards.
How much can I transfer with Moniepoint USSD?
Moniepoint's 2024 article gives 20,000 per transfer and 100,000 per day. Check the app or support for the current figure.
Sources
- Moniepoint blog: 15 FAQs about Moniepoint USSD code (18 Mar 2024) · accessed Oct 2026
- Kuda Business help: Stamp duty on transfers, Nigeria Tax Act 2025 (31 Dec 2025) · accessed Oct 2026
- Techeconomy: Stamp duty replaces EMTL, sender to bear ₦50 charge (1 Jan 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.