If you need to use your Moniepoint account when your internet connection is unavailable, you can use the Moniepoint USSD code *5573#.
The service allows eligible Moniepoint customers to perform selected banking transactions directly from their mobile phones. You can use it to transfer money, check your balance, buy airtime and data, manage your PIN, and take emergency action on your account or card.
Unlike the Moniepoint app, USSD does not require mobile data. You only need a supported mobile line, network signal and an activated Moniepoint USSD profile.
Read also: Moniepoint Account Requirement: What You Need to Open an Account
What Is the Moniepoint USSD Code?
The official Moniepoint USSD code is *5573#.
To access the main USSD menu, dial:
*5573#
Moniepoint says the service is available for offline banking and supports both personal and business banking customers.
The main menu gives you access to the available services rather than requiring you to remember every individual shortcut.
What Can You Do With Moniepoint USSD?
Moniepoint’s USSD service is designed for situations where you need to perform a banking task without opening the app or using mobile internet.
Depending on the service, you can:
- Transfer money to Moniepoint accounts
- Transfer money to other Nigerian banks
- Check your account balance and details
- Buy airtime
- Buy data
- Change your user PIN
- Reset a forgotten PIN
- Retrieve an OTP
- Activate your account
- Block or unblock your account
- Block or unblock your card
Moniepoint’s current USSD page lists these services and their corresponding menu codes.
How to Activate Moniepoint USSD Banking
You cannot simply assume that USSD will work the first time you dial *5573#. Existing customers need to activate the USSD channel from their Moniepoint account settings.
Moniepoint currently provides these activation steps:
Step 1: Log in to Moniepoint
Open the Moniepoint Personal or Business Banking app and sign in.
Step 2: Open Settings
Tap your profile picture in the top-left corner of the dashboard and select Settings.
Step 3: Turn on USSD
Find the USSD Feature option and switch it on.
You will need to authorise the activation using your user PIN.
Step 4: Start Using *5573#
After activation, you can dial *5573# from your registered phone number to access the USSD banking menu.
Moniepoint USSD Codes for Different Services
The main code is *5573#, but Moniepoint also publishes direct codes for several functions.
| Service | Moniepoint USSD code |
|---|---|
| Main USSD menu | *5573# |
| Check balance | *5573*5# |
| Transfer to Moniepoint | *5573*1*Amount*Account Number# |
| Transfer to other banks | *5573*2*Amount*Account Number# |
| Buy airtime for yourself | *5573*Amount# |
| Buy airtime for someone else | *5573*Amount*Phone Number# |
| Buy data | *5573*4# |
| Change user PIN | *5573*6# |
| Forgot user PIN | *5573*7# |
| Forgot username | *5573*73*1# |
| Block/unblock account or card | *5573*911# |
| Card activation | *5573*111# |
These codes are based on Moniepoint’s current official USSD information. Because USSD menus and shortcuts can change, the safest general option is to dial *5573# and follow the menu displayed on your phone.
How to Transfer Money With Moniepoint USSD
You can use Moniepoint USSD to send money from your account without opening the mobile app.
For a direct transfer, Moniepoint lists separate flows for transfers to Moniepoint accounts and other banks.
For transfers to another Moniepoint account, the published format is:
*5573*1*Amount*Account Number#
For transfers to other banks:
*5573*2*Amount*Account Number#
You will be prompted to confirm the transaction and authorise it with your PIN.
If you prefer not to remember the direct shortcut, simply dial *5573#, select the transfer option and follow the instructions on screen.
How to Check Moniepoint Account Balance With USSD
To check your balance, dial:
*5573*5#
You can also dial *5573# and select the balance option from the menu.
You will need to authenticate the request with your user PIN before your account information is displayed.
This can be useful when your Moniepoint app is unavailable or you have no mobile data.
How to Buy Airtime With Moniepoint USSD
Moniepoint also supports airtime purchases through USSD.
For airtime for yourself, the published direct format is:
*5573*Amount#
For airtime for another phone number:
*5573*Amount*Phone Number#
You can also start from the main *5573# menu and choose the airtime option.
How to Buy Data With *5573#
You can buy data through Moniepoint USSD without using the mobile app.
Dial:
*5573*4#
Then follow the prompts to select the relevant data option and complete the purchase.
The service is designed to work without mobile internet, although you still need a functioning mobile network connection.
How to Change Your Moniepoint PIN With USSD
If you know your current PIN and want to change it, Moniepoint provides a USSD option for PIN management.
Dial:
*5573*6#
You can also access the PIN option through the main *5573# menu.
If you have forgotten your PIN, Moniepoint provides a separate Forgot User PIN option at:
*5573*7#
The distinction is useful: changing a PIN is different from resetting one because you have forgotten it.
How to Block Your Moniepoint Account If Your Phone Is Stolen
One of the most useful features of Moniepoint USSD is the emergency security menu.
If your phone is stolen or you suspect unauthorised activity, dial:
*5573*911#
Moniepoint says this emergency menu can be accessed from any phone, including one that is not registered to your account. You can follow the prompts to stop debit transactions and secure the account.
This is especially useful when you no longer have access to the phone that normally receives your banking requests.
How Much Does Moniepoint USSD Cost?
Moniepoint currently charges ₦10 for certain successful USSD transactions and services.
According to the company’s current USSD information, the ₦10 charge applies to services including:
- Transfers
- Airtime purchases
- Data purchases
- Balance and account-detail checks
- PIN changes
Some essential services remain free, including:
- Getting an OTP
- Activating an account
- Blocking an account or card through the emergency menu
Moniepoint introduced the ₦10 charge in August 2025 and says its list of billable services may change depending on operating costs and market conditions.
Therefore, older articles stating that all Moniepoint USSD services are free may no longer be accurate.
What Are the Moniepoint USSD Transaction Limits?
Moniepoint’s current USSD page lists the following limits:
| Transaction type | Limit |
|---|---|
| Transfer per transaction | ₦20,000 |
| Transfer daily cumulative limit | ₦100,000 |
| Airtime single/daily limit | ₦10,000 |
| Data single/daily limit | ₦10,000 |
These limits apply to the USSD channel and may differ from limits available through other Moniepoint channels.
Does Moniepoint USSD Work Without Internet?
Yes.
The main reason to use Moniepoint USSD is that it provides access to selected banking services without mobile internet.
You do not need to open the Moniepoint app to use the USSD menu.
However, USSD still depends on your mobile network. So while you do not need data, you need sufficient network coverage for the session to connect.
Can You Use Moniepoint USSD on Any Phone?
Moniepoint’s USSD service is designed for mobile-phone access and does not depend on having a smartphone or an internet connection.
What matters is that you use a phone number associated with your Moniepoint account for normal account access and that USSD banking has been activated.
Sensitive actions such as checking account information and performing transactions require authentication with your user PIN.
What Happens If You Have Both a Personal and Business Moniepoint Account?
Your phone number matters when accessing Moniepoint through USSD.
Moniepoint explains that if different phone numbers are associated with your personal and business profiles, dialing the USSD code from each number can display the accounts connected to that particular number.
This means that if you do not see an expected account, the first thing to check is whether you are dialing *5573# from the phone number associated with that account.
Can You Open a Moniepoint Account With USSD?
Currently, you cannot open a new Moniepoint account using USSD.
Moniepoint’s current FAQ states that account opening through USSD is not available at the moment.
Existing customers can activate the USSD channel through their Moniepoint app or web dashboard and then use *5573# for supported banking services.
Frequently Asked Questions
What is the Moniepoint USSD code?
The official Moniepoint USSD code is *5573#. It provides access to supported banking services without requiring mobile internet.
What is the Moniepoint code for checking balance?
The direct USSD code listed by Moniepoint for checking your balance is *5573*5#. You can also dial *5573# and select the balance option.
What is the Moniepoint transfer code?
The main Moniepoint transfer code is *5573#. Moniepoint also lists *5573*1*Amount*Account Number# for transfers to Moniepoint accounts and *5573*2*Amount*Account Number# for transfers to other banks.
Can I use Moniepoint USSD without data?
Yes. Moniepoint USSD is designed for offline banking, so you do not need mobile internet. You still need a working mobile network connection.
Why is my Moniepoint USSD code not working?
First, confirm that you are dialing *5573# from the phone number linked to your Moniepoint account and that USSD banking has been activated in your account settings. If the problem continues, use Moniepoint’s official support channels for assistance.
Conclusion
The Moniepoint USSD code is *5573#. It gives eligible Moniepoint customers a way to perform selected banking transactions without opening the app or using mobile data.
You can use it for transfers, balance checks, airtime and data purchases, PIN management and account security. Moniepoint also provides direct shortcuts for several of these services.
If you have not activated USSD banking yet, enable it from the Settings section of your Moniepoint Personal or Business Banking dashboard. Once activated, *5573# becomes your main entry point for Moniepoint’s offline banking services.