Moniepoint USSD Codes in Nigeria (2026 Guide)

Your banking app needs internet, but your USSD code does not. With Moniepoint USSD codes, transactions are easier, smoother, and completely stress-free. 

Moniepoint’s USSD banking system lets you transfer money, buy airtime, check your balance, and pay bills from any mobile phone without a data connection, app updates, or login delays. In situations where you don’t have much time to waste, a single short code often outperforms the most polished banking app.

This guide covers every Moniepoint USSD code in Nigeria for 2026, how each one works, when to use USSD over the app, and how to fix the most common problems.

Quick Answer: Moniepoint USSD Code

The official Moniepoint USSD code is *5573#.

Dialling this code opens a menu that gives you access to:

• Money transfers
• Airtime purchases
• Data purchases
• Account balance checks
• Bill payments
• PIN reset and account settings

Requirements:

• An active Moniepoint personal account
• The phone number linked to your account
• A registered USSD PIN
• Sufficient account balance (where applicable)

Once activated, most transactions complete in under two minutes.

Complete Moniepoint USSD Code List (2026)

However, here is the complete Moniepoint USSD Code list for their different services; 

Service	Code / Method
Main Menu	*5573#
Transfer Money	*5573# → Transfer
Buy Airtime	*5573# → Airtime
Buy Data	*5573# → Data
Check Account Balance	*5573# → Balance
Pay Bills	*5573# → Bills
Reset USSD PIN	*5573# → Settings → Reset PIN
Customer Support	*5573# → Help

Why Moniepoint USSD Is More Than an Emergency Backup

Most people treat USSD as something to use when their app fails. But the real advantage of USSD is that it removes failure points such as poor connectivity, app crashes, OTP delays, forced updates, forgotten passwords, and low storage.

When Moniepoint USSD Is Better Than the App

Moniepoint USSD is the better option when;  

1. No internet connection. 
2. Urgent transfer needed. 
3. Low phone battery. 
4. App temporarily unavailable. 

How to Activate Moniepoint USSD Banking

If you are using Moniepoint USSD for the first time:

1. Dial *5573# using the phone number linked to your Moniepoint account.
2. Select the activation or registration option.
3. Verify your account details.
4. Create a secure 4-digit PIN.
5. Confirm your PIN.

Once complete, your phone is authorised for USSD banking.

How to Transfer Money Using Moniepoint USSD

You can send cash from Moniepoint to Access Bank, GTBank, Zenith Bank, First Bank, UBA, OPay, PalmPay, Kuda, and other Nigerian banks and fintech platforms.

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

How to Buy Airtime with Moniepoint USSD

With the Moniepoint USSD code, you can buy airtime:

• For your own number:

1. Dial *5573#.
2. Select Airtime.
3. Enter the amount.
4. Confirm with your PIN.

• For another number:

1. Dial *5573#.
2. Select Airtime for Others.
3. Enter the recipient’s phone number.
4. Input the amount.
5. Confirm with your PIN.

Airtime is typically delivered immediately after confirmation.

How to Buy Data Using Moniepoint USSD

1. Dial *5573#.
2. Select Data.
3. Choose your network (MTN, Airtel, Glo, or 9mobile).
4. Select your preferred data bundle.
5. Confirm payment with your PIN.

This is especially useful when your telecom’s own app is unavailable or too slow to load.

Prefer not to dial codes at all? If you buy airtime or data regularly, the Ridima app offers a faster alternative. Here is how it works:

See how below; 

1. Log in to the Ridima App, locate, and click on the “Pay Bills” Menu.
2. Click on the “Airtime & Data” option.
3. Choose either “Airtime” or “Data” and select your “Network” (MTN, Glo, Airtel, or 9mobile).
4. If you choose Data, then click the drop-down box to select “Data Plan.”
5. Carefully enter your “Phone Number” or the recipient’s Phone Number.
6. Enter the “Amount” you need for Airtime, while for Data, the price automatically appears once you select the data plan.
7. Click on “Refill,” and then you are done.

Your mobile number will be recharged, and the price will be deducted from your wallet balance.

How to Check Your Moniepoint Account Balance

1. Dial *5573#.
2. Select Balance.
3. Enter your PIN if prompted.

Your available balance appears immediately. Use this to confirm incoming transfers, verify salary payments, or check funds before a purchase without opening the app.

How to Pay Bills with Moniepoint USSD

You can also pay for your electricity, DSTV, GOtv, Startimes, internet subscriptions, betting wallets, and education-related payments using the Moniepoint USSD code: 

1. Dial *5573#.
2. Select Bills.
3. Input your ID.
4. Insert the amount. 
5. Input your PIN. 

How to Reset Your Moniepoint USSD PIN

If you forget your PIN, you can reset it using the Moniepoint USSD code. However, ensure you dial from a phone number linked to your Moniepoint account. See how below; 

1. Dial *5573#.
2. Navigate to Settings or Security.
3. Select Reset PIN.
4. Verify your identity as prompted.
5. Create and confirm a new 4-digit PIN.

Common Moniepoint USSD Problems and Solutions

Here are the common Moniepoint USSD problems and their solutions; 

1. USSD not responding 

Ensure you are dialling from your registered phone number, check your network signal, and retry after a few minutes. If the issue persists, contact Moniepoint support through *5573# → Help.

2. Incorrect PIN 

Reset through *5573# → Settings → Reset PIN. Use your registered number to initiate the reset.

3. Transaction failed 

Confirm you have sufficient funds and that the recipient’s account details are correct. Wait a few minutes before retrying to rule out a temporary system delay.

4. Session timeout 

USSD sessions expire after a short period of inactivity. Start again and complete each step promptly.

Frequently Asked Questions About the Moniepoint USSD Codes in Nigeria. 

Here are some frequently asked questions about the MoniePoint USSD codes in Nigeria; 

Question 1: What is the official Moniepoint USSD code in Nigeria? 

The code is *5573#. Dialling it opens the full banking menu.

Question 2: Can I use Moniepoint USSD without internet? 

Yes. USSD works entirely through your mobile network — no data connection is required.

Question 3: How do I check my Moniepoint balance via USSD? 

Dial *5573# and select Balance. Enter your PIN when prompted.

Question 4: Can I transfer money to other banks using Moniepoint USSD? 

Yes. Moniepoint USSD supports transfers to virtually all Nigerian banks and fintech platforms.

Question 5: Does Moniepoint USSD work on all networks? 

Yes. It works on MTN, Airtel, Glo, and 9mobile.

Question 6: Is Moniepoint USSD available 24/7? 

Yes, subject to network availability and system uptime.

Question 7: What should I do if the USSD code stops working? 

Retry after a few minutes. If the issue continues, visit Moniepoint’s official support channels or contact customer care directly through the app.

Conclusion

Moniepoint USSD codes turn any mobile phone into a functional banking tool. With *5573#, you can transfer money, buy airtime and data, pay bills, and check your balance without internet access, a smartphone, or an app.

The code is simple. In a country where transactions need to move fast and reliably, Moniepoint USSD is one of the most practical financial tools available in Nigeria in 2026.

Reference;

Moniepoint USSD Banking – Dial *5573# For Easy Mobile Banking 

Moniepoint USSD Codes in Nigeria (2026 Guide) – Ricki

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