The Moniepoint USSD code helps Moniepoint users to bank without the internet. USSD (Unstructured Supplementary Service Data) allows you to dial a short code on your phone and access menu-based banking services. Millions of people worldwide are using USSD every day for banking, airtime recharge, and bill payments, a vital tool for quick financial service.

In this article, we will cover everything you need to know about the Moniepoint USSD code and how to use it effectively.

What is the Moniepoint USSD code?

Moniepoint USSD is *5573#, a protocol that creates a real-time connection between your phone and the Moniepoint banking system. Unlike a smartphone app (which needs internet and a data plan), this USSD can work on any mobile phone.

You are to dial the code on the phone number linked to your Moniepoint account to check your balances, transfer money, and do a lot more without an internet connection.

How to Register and Activate Moniepoint USSD Code

Moniepoint USSD code
Moniepoint USSD code 2025 update

To register for the Moniepoint USSD code *5573#, you need to have an active Moniepoint account and a registered Nigerian phone number. If you are yet to sign up, download the Moniepoint app (Personal or Business) and create an account. Once you have an account, follow these steps to activate Moniepoint USSD banking:

  • Step 1: Open the Moniepoint app and log in to your dashboard.
  • Step 2: Tap your profile picture or menu icon to go to Settings.
  • Step 3: Find the USSD Banking option and toggle it on. You may be asked to enter your login PIN to confirm. (On the Moniepoint web dashboard, go to Settings → Security and enable USSD banking.)
  • Step 4: Your USSD banking is now activated. Dial *5573# from your registered phone to start banking offline.

If you are a new user, Moniepoint usually has the USSD feature enabled by default when you sign up. After the activation, dial *5573# on your phone to access the Moniepoint USSD code service. If you receive any error message, check whether you use your correct phone number and also whether the USSD channel is turned on in your Moniepoint dashboard settings.

Once your Moniepoint USSD code is active, the code will open up a menu of useful banking services. You can perform a wide range of transactions right from your phone’s dialer.

See AlsoHow to Get a Loan from Moniepoint in 2025 (Moniepoint Loan Guides)

Moniepoint USSD Code to Check Account Balance

To check your Moniepoint account balance, dial *5573*5# on your phone and select “Account Balance” from the menu.

Moniepoint USSD Code to Transfer Money

To transfer money using the Moniepoint USSD code, dial *5573*5# and choose “Transfer” in the USSD menu, then pick “Moniepoint” (for same-bank transfers) or “Other Banks,” and follow the prompts to enter the amount and destination account number. (Shortcut direct codes: *5573*1*Amount*Account# for Moniepoint-to-Moniepoint transfers and *5573*2*Amount*Account# for interbank transfers.)

Moniepoint USSD Code for Airtime and Data Top-up

Dial *35267# on your phone and select “Airtime” and then choose “Self” or “Others.” Enter the amount (and the recipient’s phone number if needed), then confirm with your PIN.

Moniepoint USSD Code for Bill Payments

Dial *5573# and choose the options “Pay Bills” or specific billers. Then Follow the prompts to choose your electricity provider (e.g., Ikeja, Eko, etc.), DSTV, GOtv, or other services, enter your customer details, and approve the payment. (This works just like airtime top-up: no internet is needed to settle bills.)

Moniepoint USSD Code to Reset PIN & Security

To change or reset your USSD PIN and block/unblock your account if needed, dial *5573*6# on your phone. To block your account (if you suspect fraud), use *5573*911# and follow the “Stop Debit Transaction” options. Unblocking works similarly. Any sensitive action (balance check, transfer, PIN reset) will always require you to enter your Moniepoint PIN for security.

Moniepoint Loan Code

Moniepoint offers business loans (working capital loans) to its eligible customers. Futuresyllabus.com claims *888# as the Moniepoint loan code, but that code is not working and is not the official Moniepoint loan code. The official Moniepoint loan code is *5573*0#, but you need to meet certain criteria before you can access the loan using this code. Currently there is no loan option for new users that are using the Moniepoint USSD code. Read this to know how to get a Moniepoint loan.

See AlsoHow to Qualify for a Moniepoint Loan: A Guide for Small Businesses

Moniepoint USSD Code vs. Mobile App

Both the Moniepoint USSD code and the Moniepoint app allow you to manage your money, but they serve different needs:

  • USSD Code (*5573#):
    • Pros: Works on any phone with a Nigerian SIM. No internet needed. Quick for basic tasks (balance, small transfers, airtime). Low data usage and wide network support.
    • Cons: The menu-based interface is text-only and can be a bit clunky (multiple prompts). You can only do core functions. It’s not as visual—you won’t see graphs, charts, or images. It also can time out if you pause too long.
  • Mobile App (Android/iOS):
    • Pros: Rich graphical interface, more features, and greater convenience if you have internet. You can see transaction history, manage multiple accounts, apply for loans, view statements, get personalized offers, and more. The app can provide notifications, account alerts, and other advanced banking tools.
    • Cons: Requires a smartphone and data connection. Can’t be used on feature phones. It takes a few seconds (or more on a slow connection) to open each screen or update. In low-signal areas, the app might not work at all.

When to use each service: If you have a stable internet connection and need more advanced features, then the Moniepoint app is the best option to consider.

See AlsoHow to Get a Loan from Moniepoint in 2025 (Moniepoint Loan Guides)

Moniepoint USSD Code Not Working? Troubleshooting Tips

If you have trouble using the *5573# Moniepoint USSD code, here are some common solutions:

  • Make sure you enter *5573# correctly. A wrong digit or missing number will trigger an error.
  • Make sure you dial it from the phone number that is linked to your Moniepoint account.
  • Enable USSD in settings: If you receive a message saying the USSD “channel not enabled,” log into your Moniepoint app or web dashboard and turn on USSD banking in Settings.
  • Ensure you have some cell network signal on your phone. USSD requires at least minimal network coverage. Try moving to a location with better reception.
  • Wait and retry: Sometimes a heavy load on the network or bank’s servers can cause a timeout. Simply wait a minute and dial again.
  • PIN errors: If you enter the wrong PIN too many times, the session will cancel. You might need to reset your USSD PIN (*5573*6#) or disable and re-enable USSD in the app.
  • If none of the above works, contact Moniepoint customer service. They can check your account status.

By following the above tips, most of your common issues can be resolved quickly.

Frequently Asked Questions (FAQ)

1. What is the Moniepoint USSD code?

The Moniepoint USSD code is *5573#. Dial this code on your registered Nigerian phone to open Moniepoint’s USSD banking menu.

2. Can I use the Moniepoint USSD code without internet?

Yes, the USSD code works offline in any mobile network, so you don’t need any data connection.

3. Is there a charge for using USSD banking?

Moniepoint does not charge any fee for USSD transactions. (Your telecom may bill a token for USSD usage, but Moniepoint’s side is free.)

4. Can I borrow money through Moniepoint USSD?

You cannot directly borrow money using the Moniepoint USSD code; you must meet certain criteria and most times apply through the Moniepoint app or website.

5. What if I forget my USSD PIN?

You can reset it by dialing *5573*6# or by reactivating USSD in the app (both will prompt you to set a new PIN).

Conclusion

The Moniepoint USSD code *5573# is the fast and reliable way to access Moniepoint banking services on any phone, anywhere in Nigeria. You can check balances, send money, pay bills, and do a lot more without data.

To get started, make sure you have a Moniepoint account and it is active, then enable the USSD feature in your app. After that, dial *5573# and enjoy the Moniepoint USSD service.


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