Moniepoint USSD Code (5573#): Transfer Money, Buy Data & More

Managing your finances has become much easier with Moniepoint’s USSD banking service. Whether you need to transfer money, recharge airtime, buy mobile data, check your account balance, or secure your account in an emergency, you can complete many of these tasks directly from your mobile phone without using the internet.

The Moniepoint USSD service is designed for convenience. It works on both smartphones and basic feature phones, making it ideal for customers who have limited internet access or prefer a quicker way to perform everyday banking transactions.

The official Moniepoint USSD code is *5573#. Once activated, this code gives you access to a range of banking services from virtually anywhere in Nigeria using the phone number linked to your Moniepoint account. (moniepoint.com)

In this guide, you’ll learn how to register for Moniepoint USSD banking, transfer money, buy airtime and data, check your balance, block your account, and troubleshoot common problems.

What Is the Moniepoint USSD Code?

The official Moniepoint USSD code is:

*5573#

This code allows eligible Moniepoint customers to perform banking transactions without opening the Moniepoint app or connecting to the internet.

After dialing *5573#, a menu appears with available banking options.

Depending on your account and service availability, you can use the USSD platform to:

• Transfer money
• Buy airtime
• Purchase mobile data
• Check your account balance
• Change your transaction PIN
• Block your account
• Block your debit card
• Manage your Moniepoint banking profile

The service is available every day and works on all major mobile networks in Nigeria. (moniepoint.com)

Benefits of Using the Moniepoint USSD Code

Many customers prefer the USSD platform because it is fast and does not require internet access.

Some of its advantages include:

• Works without mobile data.
• Compatible with Android phones, iPhones, and feature phones.
• Quick and easy transactions.
• Available 24 hours a day.
• Secure PIN authentication.
• Convenient for customers in areas with poor internet connectivity.

Requirements for Using the Moniepoint USSD Code

Before using the service, make sure you meet these requirements:

• You have an active Moniepoint personal account.
• Your mobile phone number is linked to your account.
• Your SIM card has network coverage.
• You have completed USSD activation.
• You have created a secure transaction PIN.

Without these requirements, some USSD services may not be available.

How to Activate the Moniepoint USSD Code

If you’re using the service for the first time:

1. Dial *5573# using the phone number registered with your Moniepoint account.
2. Follow the instructions displayed on your screen.
3. Verify your account if required.
4. Create your transaction PIN.
5. Confirm the PIN.
6. Wait for the activation confirmation message.

Once registration is complete, you can begin using Moniepoint USSD banking.

Moniepoint USSD Code for Money Transfer

One of the most frequently used services is transferring money.

Using *5573#, you can send money to:

• Another Moniepoint account.
• Bank accounts in other Nigerian banks.

To transfer money:

1. Dial *5573#.
2. Select Transfer.
3. Choose the destination bank.
4. Enter the recipient’s account number.
5. Enter the amount.
6. Confirm the recipient’s name.
7. Enter your transaction PIN.
8. Complete the transaction.

Always verify the beneficiary’s name before authorizing the transfer.

Moniepoint USSD Code to Buy Airtime

Moniepoint allows you to recharge your phone directly from your account.

You can also buy airtime for another mobile number.

To buy airtime:

1. Dial *5573#.
2. Select Airtime.
3. Choose whether to recharge your own number or another number.
4. Enter the amount.
5. Confirm the request with your PIN.

The airtime is usually credited within a few moments.

Moniepoint USSD Code to Buy Data

Besides airtime, you can also purchase mobile data.

Supported networks include:

• MTN
• Airtel
• Glo
• 9mobile

To buy data:

1. Dial *5573#.
2. Select Data.
3. Choose your preferred network.
4. Select a data plan.
5. Enter the recipient’s phone number if necessary.
6. Confirm payment using your transaction PIN.

The selected data bundle is activated shortly after a successful transaction.

Moniepoint USSD Code to Check Account Balance

Checking your account balance is one of the quickest tasks you can perform using the Moniepoint USSD service. Instead of opening the mobile app or logging into internet banking, you can check your available balance from any mobile phone.

To check your account balance:

1. Dial *5573# using the phone number linked to your Moniepoint account.
2. Select Account Balance from the menu.
3. Enter your transaction PIN.
4. Your available balance will be displayed on your screen or sent to you by SMS, depending on the service available at the time.

Checking your balance regularly helps you monitor your spending and confirm that recent transactions have been processed successfully.

Moniepoint USSD Code to Block Your Account

If your mobile phone is lost or you suspect someone has gained unauthorized access to your account, you should block your account immediately.

To block your account:

1. Dial *5573#.
2. Select Account Services.
3. Choose Block Account.
4. Follow the instructions displayed on your screen.
5. Confirm the request using your transaction PIN.

Once the request is processed, transactions on the account will be restricted until the account is reactivated through the appropriate verification process.

Moniepoint USSD Code to Block Your Debit Card

If your Moniepoint debit card is lost or stolen, blocking it quickly can help prevent unauthorized withdrawals and purchases.

To block your debit card:

1. Dial *5573#.
2. Select Card Services.
3. Choose Block Card.
4. Confirm the request with your transaction PIN.

After blocking the card, contact Moniepoint if you need a replacement.

How to Change Your Moniepoint Transaction PIN

Your transaction PIN protects your account whenever you perform transfers, airtime purchases, data purchases, and other financial transactions.

To change your PIN:

1. Dial *5573#.
2. Select Settings or PIN Management.
3. Choose Change PIN.
4. Enter your current PIN.
5. Create a new four-digit PIN.
6. Confirm the new PIN.

For better security:

• Avoid using 1234 or 0000.
• Do not use your birth year.
• Never share your PIN with anyone.

What to Do If You Forget Your Transaction PIN

If you forget your PIN, you may be able to reset it through the available PIN management option.

If a reset option is not available:

• Contact Moniepoint Customer Support.
• Verify your identity.
• Follow the instructions provided to create a new transaction PIN.

Never share your account details or PIN with anyone claiming to be a Moniepoint representative.

Moniepoint USSD Transaction Limits

For security purposes, Moniepoint may apply transaction limits to USSD banking.

Your available limit may depend on factors such as:

• Your account verification level.
• Regulatory requirements.
• Your account type.
• Moniepoint’s current transaction policy.

If you need to perform larger transactions than your USSD limit allows, consider using the Moniepoint mobile app or other approved banking channels.

Charges for Moniepoint USSD Banking

Some transactions completed through the Moniepoint USSD platform may attract service charges.

Possible charges include:

• Money transfer fees.
• Standard USSD session charges.
• Charges for selected bill payments.

The applicable fee is normally displayed before you authorize the transaction, allowing you to review the details before proceeding.

Common Problems with the Moniepoint USSD Code

Like any banking service, you may occasionally encounter issues while using the USSD platform.

The USSD Code Is Not Working

Possible causes include:

• Poor network coverage.
• Temporary service interruption.
• Incorrect dialing format.
• System maintenance.

Try again after a few minutes or move to an area with better signal.

Transaction Failed

If your transfer or payment fails:

• Check that you have sufficient funds.
• Confirm your network connection.
• Verify the recipient’s details.
• Try again later if the service is temporarily unavailable.

Incorrect Transaction PIN

Entering the wrong PIN repeatedly may temporarily restrict access to your USSD profile.

If necessary, reset your PIN through the appropriate recovery process.

Account Debited but Transaction Not Completed

Occasionally, your account may be debited while the recipient does not immediately receive the funds.

If this happens:

• Wait for a short period.
• Check your account balance.
• Confirm with the recipient.
• Contact Moniepoint Customer Support if the issue is not resolved within the expected timeframe.

Have your transaction reference and account details available when making your report.

Security Tips When Using Moniepoint USSD Banking

Protecting your account is just as important as knowing how to use the service.

Follow these safety tips:

• Keep your transaction PIN confidential.
• Do not disclose your one-time passwords (OTPs).
• Verify recipient names before confirming transfers.
• Use only the phone number registered with your Moniepoint account.
• Enable transaction notifications.
• Report suspicious activity immediately.
• Block your account or debit card promptly if your phone or card is lost.

Frequently Asked Questions

What is the Moniepoint USSD code?

The official Moniepoint USSD code is *5573#. It allows eligible customers to transfer money, buy airtime and data, check balances, and access other banking services.

Can I use the Moniepoint USSD code without internet?

Yes. The service works without mobile data or Wi-Fi.

Can I transfer money to other banks?

Yes. Moniepoint USSD banking supports transfers to Moniepoint accounts as well as many other Nigerian banks.

Can I buy airtime for another person?

Yes. The airtime purchase option allows you to recharge your own number or another mobile number.

Is Moniepoint USSD banking available all day?

Yes. The service is generally available 24 hours a day, although temporary maintenance or network issues may occasionally affect availability.

Can I block my account using USSD?

Yes. Moniepoint provides account security options through its USSD service, allowing eligible customers to block their accounts when necessary.

The Moniepoint USSD code provides a convenient way to manage your finances from virtually any mobile phone. Whether you want to transfer money, recharge airtime, purchase data, check your balance, or secure your account, the *5573# service allows you to complete essential banking tasks without an internet connection. By keeping your transaction PIN secure and following the recommended safety practices, you can enjoy fast and reliable banking wherever you are.

Complete List of Moniepoint USSD Codes

Besides dialing the main *5573# menu, Moniepoint also provides direct shortcut codes for some of its most popular banking services.

The table below shows the official Moniepoint USSD codes currently available.

These shortcut codes allow you to perform specific banking transactions much faster without navigating through the full USSD menu. Depending on your account settings and the type of transaction, you may still be asked to enter your transaction PIN before the request is completed. Moniepoint also notes that some services, such as account and card blocking through *5573*911#, can be accessed from any phone in emergencies, while sensitive operations require PIN authorization.

Moniepoint USSD Transaction Limits

For security reasons, Moniepoint applies transaction limits to its USSD banking platform.

Current limits include:

If you need to transfer amounts above the USSD limit, you can use the Moniepoint mobile app or other supported banking channels after completing the necessary verification requirements. Transaction limits may also change over time in line with Moniepoint’s policies and regulatory guidelines.

Is There a Charge for Using the Moniepoint USSD Code?

Yes.

Moniepoint currently charges ₦10 for most transactional USSD services, including:

• Money transfers
• Airtime purchases
• Data purchases
• Balance enquiries
• PIN changes

However, some important security services remain free, including:

• Account activation
• Account blocking
• Debit card blocking
• Retrieving OTPs through the emergency menu

The applicable fee, if any, is displayed before you complete your transaction, allowing you to review the details before proceeding.

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