Entering a debit card details is a requirement of activating GTBank USSD code. But what if you do not have an ATM card or it expired? Can you still activate and use *737# on your phone?
In this post, you’ll learn:
- Why the GTBank USSD code is useful.
- How to activate the GTBank USSD code and create a PIN without an ATM card.
- What to do after activation and how to troubleshoot common issues.
Let’s start!

Why Use GTBank USSD Code?
GTBank’s USSD banking provides a fast and convenient way to manage your account without needing internet access. Here are some key benefits:
- No Internet Required: With GTBank USSD banking, you perform transactions anywhere, even without data or Wi-Fi.
- 24/7 Access: The USSD code works anytime, including weekends and public holidays.
- Fast and Easy Transactions: Send money, buy airtime, and check your balance in seconds.
- Works on Any Phone: You can GTB *737# on a smartphone or a basic mobile phone to bank.
Why Creating a PIN is Important
To ensure your transactions are secure, GTBank requires you to create a 4-digit PIN when activating the USSD service.
This PIN acts as your digital signature, preventing unauthorized access to your account. Without a PIN, you won’t be able to complete transactions.
How to Activate GTBank USSD Code and Create PIN Without an ATM Card
Follow these simple steps to activate your GTBank USSD code and create a secure PIN without needing an ATM card:
Step 1: Dial the GTBank USSD code (*737*5#) your phone number.
- The GTBank USSD code to create PIN without ATM card is *737*5#
- Dial the code on the phone number linked to your GTBank account.
Step 2: Select the “No Debit Card” option.
- After dialing the code, a menu will appear.
- Choose the option for “No Debit Card” to proceed without an ATM card.
Step 3: Enter your GTBank account number.
- Type in your 10-digit GTBank account number.
- Double-check to ensure it’s correct before proceeding.
Step 4: Enter your date of birth
- Input your date of birth as registered with GTBank.
- For example, if your birthday is January 15, 1990, enter 15011990.
Step 5: Create a new GTB USSD PIN.
- Input a new 4-digit PIN that’s easy for you to remember but hard for others to guess.
- Avoid using obvious numbers like 1234 or your birth year.
Step 6: Confirm your new PIN.
- Re-enter the 4-digit PIN to confirm it.
- This ensures you didn’t make a mistake while creating the PIN.
Step 7: Receive confirmation message from GTBank.
- Once your PIN is successfully created, you’ll receive a confirmation SMS from GTBank.
- This means your USSD code is now active and ready to use.
Note: Activating GTBank Code without an ATM card limit the transaction amount on your account.
What to Do After Activation
Now that you’ve activated your GTBank USSD code and created a PIN, here’s what you can do next:
- Perform Transactions: Use the USSD code (*737#) to buy airtime, transfer funds, pay bills, or check your account balance.
- Keep Your PIN Secure: Never share your PIN with anyone. Memorize it and avoid writing it down where others can see it.
- Explore Other USSD Services: GTBank offers a variety of USSD services. Dial *737# to see the full menu of options available to you.
Common Issues and Troubleshooting
Even after activation, you may encounter some issues while using the GTBank USSD code. Here are common problems and how to fix them:
1. GTBank USSD Code Not Working
Solution:
- Ensure you are dialing *737*5# from the phone number linked to your GTBank account.
- Check if your mobile network has strong signal coverage.
- Restart your phone and try again.
- If the issue persists, contact GTBank customer support.
2. No Confirmation Message Received
Solution:
- Wait a few minutes, as there may be a network delay.
- Check if your phone has SMS storage space available.
- If the issue continues, visit the nearest GTBank branch or call customer service.
3. Forgotten USSD PIN
Solution:
- Dial the GTBank USSD code to reset your PIN.
- You will need to verify your identity using your date of birth or other personal details.
- Choose a new 4-digit PIN and confirm it
FAQs
Can I use the GTBank USSD code without an ATM card?
Yes, you can activate and use the USSD code without an ATM card by following the steps outlined in this guide.
What should I do if I don’t receive a confirmation message?
Ensure you’re using the registered phone number linked to your GTBank account. If the issue persists, contact GTBank customer service.
Can I change my USSD PIN later?
Yes, you can change your USSD PIN by dialing *737*7# and following the prompts.
Is the GTBank USSD code free to use?
The USSD service is not free. GTBank will charge you for using the service except for few transactions like buying airtime. Also your mobile network (Glo, Mtn, Airtel or 9mobile) will charge a small fee for each session; ensure you have at least 10 Naira airtime before dialling the code.
Can I use the USSD code on any phone?
Yes, the GTBank USSD code works on all mobile phones, including basic feature phones.
Summary
GTBank USSD banking provides a quick and easy way to manage your account without needing an ATM card or internet access. By activating the USSD code and creating a PIN, you can enjoy seamless banking transactions anytime, anywhere.
Key Takeaways:
- How to activate GTBank USSD code without an ATM card: Dial 7375#, select “No Debit Card”, enter your account number and date of birth, then create and confirm your 4-digit PIN.
- USSD banking benefits: No internet required, 24/7 accessibility, and fast transactions.
- Post-activation usage: Transfer funds, buy airtime, check your balance, and pay bills using USSD.
- Security reminder: Keep your PIN confidential to prevent unauthorized transactions.
- Troubleshooting: If you experience issues, check your network, ensure your number is registered, or reset your PIN if forgotten.
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