Account Opening FAQs

What are the identification cards acceptable for opening a savings account?

Ans: International Passport, National Identification Card, Drivers License .Other forms of identification are acceptable if the customer is not transacting at the threshold of N1 Million and above in a single day.

How much is charged on each withdrawal made on a savings account?

Ans: There are no charges on withdrawals from a GTSave account

Can a saving account holder be profiled for internet banking online services?

Ans: Yes, A saving account holder can be profiled for internet banking services

Are references required to open a current account?

Ans: Yes! To open a current account, references are required

How many referees are needed to open a current account?

Ans: 2 references are required to open a current account

What is the maximum deposit that can be made into a current account?

Ans:There is no limit on the amount that can be paid into current account

Can a current account be used as a salary account?

Ans: Yes. A current account can be used as salary accounts

What criteria qualify an existing customer to referee a potential current account holder?

Ans: Account must be active in the last 6 months and must not be a salary account

What is the opening balance for a corporate current account?

Ans: The minimum opening amount for a corporate account is N10, 000

How many withdrawals can be made on a current per month?

Ans: The is no limit to the number of times withdraws can be made on a current account

What is the opening balance for an individual current account?

Ans: The minimum opening amount for an individual is N1,000

Who is eligible to operate a GTCrea8 e-savers account?

Ans: Any bona-fide student of a University, Polytechnic, Monotechnic, and College of Education on the JAMB approved list and aged 16 to 25 is eligible to open and operate a GTCrea8 e-savers account. 

What are the requirements needed to open a GTCrea8 e-savers account?

· A valid school/Departmental/Association ID card OR

· School admission letter along with any other form of ID card and a passport photograph OR

· Expired ID card + any of clearance form, library card, bio data form, hostel permit and medical docket

What happens when I don’t have the current year ID card of my school?

Ans: Photocopy of JAMB admission letter and current semester course form shall be used as substitute for ID card.

What is the maximum amount that can be withdrawn via ATM in a day?

Ans: A daily limit of N150, 000 applies to this product

Is third party over the counter cash deposit allowed on the account?

Ans: Yes! The account accepts cash deposits either via e-channels or in any of our branches nationwide.

I already have a saving account with GTBank; can I still open a CTCrea8 e-Savers account?

Ans: Yes! You can open a GTCrea8 e-savers account as an additional account.

Will I be charged for my GTCrea8 e-Savers Naira MasterCard?

Ans: Yes! You will be charged N525 (VAT inclusive) for the GTcrea8 e-Savers branded Naira MasterCard.

What is the minimum balance that I must always keep in my account?

Ans: There is no minimum balance required on the account.

Can I deposit cheques and dividend warrants in my GTCrea8 e-Savers account?

Ans: Yes!  Cheques and dividend warrants not exceeding N100, 000 can be lodged into the GTCrea8 e-Savers account.

Will my GTCrea8 Debit Card work internationally?

Ans: Yes! The GTCrea8 Debit Card can be used on any MasterCard ATM machine anywhere in the world and you can also use it to shop online.

What happens to my account when I graduate from school?

Ans: The account can be migrated to any of our other accounts that suit your banking needs such as GTSave, current account or GTMax etc.

Who is qualified for the seniors Account?

Ans: Senior Citizens (Age 65 and above)

What are the documents required to open the Senior’s account?

Ans: The document required to open a senior’s account are:

  • 1 Passport photograph of authorized signatories.
  • Copies of acceptable means of identification (Driver’s License, International passport, National I.D
  • Card, Voter’s card).
  • One (1) duly completed and suitable reference form
  • Copy of utility bill issued in the last three months

What are the benefits of the seniors account?

Ans: The benefits are as follows:

· No account maintenance fee 

· No minimum balance

· Free Debit card

· Free Cheque book

· Access to Mobile and Internet Banking

· In-branch Fast Track banking

· Free Mobile Banking notifications

What is the minimum opening balance for any of the SKS Account?

Ans: The minimum opening balance is N1, 000.00

What is the minimum account balance that should be maintained on the Account?

Ans: The minimum opening balance that should be maintained in the account is N1, 000.00

What happens when a kid with an SKS Account becomes a Teenager i.e. age 13?

Ans: When the child attains the age of 13 years, an SKS Teen account is opened for the teenager (which comes with a trendy ATM card upon parental request). However, the parent runs the SKS account and allows the teenager have access to the Teen account.

Can a standing order instruction be effected on the SKS Account?

Ans: Yes! The Parent is encouraged to place a standing order instruction on the account. A Standing order is an automated instruction placed on an account and allows periodic transfers from a specific account to a clearly stated account on regular basis i.e. Weekly, Monthly, Annually etc. Setting up Standing order on SKS accounts is also free.

Loan FAQs

What is School Fees Advance?

Ans: School Fees Advance is designed to finance the payment of your child’s/ward’s school fees.

What type of facility is School Fees Advance?

Ans: A time loan.

What is the tenor for a School Fees Advance?

Ans: Maximum of 4 months

What is the minimum loan amount?

Ans: N 50, 000.

What is the maximum loan amount?

Ans: A maximum loan amount of N 1million is applicable per child.

Does the beneficiary need to have his/her salary account with GTBank?

Ans: Yes!

Can the customer reapply at the expiration of the facility?

Ans: Yes!

Who can benefit from School Fees Advance?

Ans: Staff of selected private companies, Government Ministries, Parastatals and establishments whose salary accounts are domiciled with the Bank.

What document is required for a School Fees Advance?

Ans: The application form, employer undertaking and school bill with details of the schools bank account.

Can I pay for my child/wards school fees abroad?

Ans: No! It is only for payment for schools in Nigeria.

What is GTSalary Advance?

Ans: GTSalary Advance is designed to provide salary advance to staff of companies, ministries, Parastatals and other government establishments whose salary account are domiciled with the Bank.

What is the tenor for a Salary Advance?

Ans:30 days or 180 days (renewable every 30 days).

What is the maximum loan amount?

Ans: 50% of the customer’s monthly salary subject to a maximum of N 500,000.

What is the minimum loan amount?

Ans: N 12,500

Does the beneficiary need to have his/her salary account with GTBank?

Ans: Yes!

What is the required length of salary account relationship?

Ans: The customer must have received their salary through their GTBank account in the last 3 months.

How do I apply for a Salary Advance?

Ans: – Login to Internet Banking

  • Simply dial *737*8*2# from your register phone number with the Bank to apply

Completed Application Form

Cards FAQs

How long is my Naira Mastercard valid for?

Ans: The Naira MasterCard is valid for 3 years

What do I do when my card is about to expire?

Ans: A new card will be sent to customer’s branch approximately 2 weeks before the card expires. Customers will be notified when the card is ready for collection at the designated pick-up

How do I activate my GTBank Naira MasterCard?

Ans: To activate your card, simply change your PIN at any GTBank ATM or use the PIN selection terminals currently available at some GTBank branches. Customers must activate their card before use.

What is my 3 digit Card Validation Code (CVC2)?

Ans: It is the three digit number printed on the back of your card, to the right side of the signature panel. This security number is different from your PIN and can only be used for online transactions

I have damaged/lost my card what can I do?

Ans: Customers can hotlist (deactivate) their Naira MasterCard on Internet Banking by performing the following steps:

Internet Banking: Customers log on to Internet Banking and selects self service menu

SMS Banking : To block your lost, stolen or compromised card – Send ‘HOTLIST ( NUBAN Account Number) to 08076665555 E.g HOTLIST to 08076665555

GTConnect: Alternatively, customers can contact GTConnect on +234 700 GTCONNECT, +234 700 482666328 or +234-1-448 0000, +234 80 3900 3900, +234 80 2900 2900 or visit a branch to complete the appropriate form.

What is GTBank Temporary Naira MasterCard?

Ans: GTBank Temporary Naira MasterCard is a debit card issued to new walk-in customers on demand and free of charge after filling the account opening form (s)

Why are walk in customers issued the GTBank Temporary Naira MasterCard?

Ans: GTBank Temporary Naira MasterCard is issued to new walk-in customers to access their Naira accounts for only 30 days before their regular Naira MasterCard is ready for pick-up. The card performs all the functions of the regular Naira MasterCard

What is the difference between the GTBank Temporary Naira MasterCard and the regular Naira MasterCard?

Ans: GTBank temporary Naira MasterCard is valid for 30 days and issued free to customers while the regular Naira MasterCard is issued at N1, 050 and is valid for 3 years

How long does it take for the Temporary Naira MasterCard to be issued?

Ans: The cards are already available at our branches and are issued immediately to new walk-in customers on demand before they leave the branch.

When will I get my regular Naira MasterCard?

Ans: Your regular Naira MasterCard will be ready within 4 working days for Lagos branches and within 6 working days for upcountry branches.

Ways to Bank FAQs

What is Mobile Money and what are the benefits?

Ans:Mobile Money is a convenient, fast, secure, and affordable way of transferring money to friends and family using a mobile phone.

Who can use the Mobile Money Service?

Ans:GTBank MobileMoney service is available to everyone with a phone. Non-phone users can also use the service to receive money transferred from registered GTBank MobileMoney customers.

Do I need to have a bank account to use GTBank Mobile Money?

Ans: No, you do not need an account to use GTBank MobileMoney. However, if you have a GTBank account it can be linked to your Mobile Wallet to make your account-wallet transfers seamless.

Where can I download and register for the service?

Ans:You can download the app for smartphones from Blackberry App World, Nokia Ovi, iTunes Store for iPhones & Google Play for Android or access it via EasyWallet from within the Etisalat SIM, after which you can register for the service

Will my phone support GTBank Mobile Money?

Ans:As long as it is a mobile phone that has either SMS or GPRS services, your phone will support GTBank MobileMoney. We have designed GTBank Mobile Money to work across all mobile phone handsets, from the most basic to the most advanced. If your mobile phone supports Java, you can use GTBank Mobile Money through the GPRS service of your mobile service provider. If it does not, you can use this service via USSD. All channels are equally safe and easy to use.

Where is the money that is deposited into a Mobile Money account?

Ans:The money is domiciled at GTBank

How do I withdraw money from my Mobile Money account?

Ans:You can do this through a cardless ATM withdrawal

What information do I require to perform withdrawal from an ATM?

Ans:You require a 12-digit code which you would have generated from your Mobile Money menu on your phone, the amount you wish to withdraw, your phone number and your Mobile Wallet PIN.

How do I keep my MobileMoney Account secure?

Ans:You need to keep your Account PIN secret from others. Memorize your Mobile Wallet PIN and do not write it down or place the PIN in and around your phone. Never give away your PIN. If you have reasons to believe your PIN has been compromised, you can change it from the Mobile Money menu.

Who do I contact for support?

Ans:Contact GTConnect on these numbers: 08029002900, 08039003900 and 01-4480000

What happens if my phone/SIM is lost, stolen or damaged?

Ans:Your money is safe. Your MobileMoney account is protected by your Account PIN.

Will I be charged for receiving money into my Mobile Money account?

Ans:No. Receiving money transferred into your MobileMoney account is FREE.

What do I need to get started?

Ans: To access the GTBank Internet Banking Services, you must have your login details (User ID and Password).

How do I obtain mu User ID and Password?

Ans:Your account was automatically profiled for this service at the time of account opening and should have been sent to you via email.
If you have not received your login details, please visit and click on the REGISTER button on the internet banking tab or dial *737*6*5# from your registered phone number with the bank.
*Kindly note that the Password must be changed within 2 hours of receiving same.

Will I have 24/7 access to the GTBank Internet Banking Services?

Ans: Except during scheduled maintenance periods, our Internet Banking services can be accessed 24 hours a day, 7 days a week from anywhere in the world. It is simply the 360 banking experience.

What accounts can I access online?

Ans:You will have access to all your accounts domiciled in Guaranty Trust Bank.
If you are unable to view all your accounts, kindly contact our fully interactive call center GTCONNECT or visit any of our branches.

What type of transactions can i conduct on the Internet Banking Platform?

Ans:Basic Transactions: (These services are automatically profiled)
1. Balance enquiry
2. View transaction details
3. View and download & print account statements
4. Update personal details
5. Password change

Cash Based transactions: (These functions are enabled on request only)
1. Transfer funds to your account and others domiciled in GTBank & other beneficiaries in other banks
2. Pay utility bills
3. Request for cash and draft in transit
4. Cheque book request, confirm and stop a cheque
5. Standing order to GTBank and other Banks

I have forgotten my Password what should I do?

Ans:If you have forgotten your Password you can call our contact center (GTConnect) on 0700 GTCONNECT (0700 482666328), 234-1-4480000, 08029002900 or 08039003900

For Password reminder you will be required to select option 3 on the menu to request for your current Password to be to be sent to the registered email address in our records.
Alternatively, you can visit our website and follow these steps below:
1. Locate the Internet Banking tab and click on the login button
2. Enter your user ID and select the “Forgot your Password” link.
3. You will be directed to the Password reminder page.
4. Enter the answer to your secret question and select the continue button.
5. For security reasons you are advised to safeguard your Password.
If you have been locked out following 3 unsuccessful logon attempts, you will be required to call contact center (GTConnect) on 0700 GTCONNECT (0700 482666328), 234-1-4480000, 08029002900 or 08039003900 and select 2 & 0 to speak to an Agent.
*Following authentication, your Password will be re-set and a new one sent to your registered email address. You are advised to safeguard your login details to prevent unauthorized access to your account.

How can I change my Internet Banking Password?

Ans:To change your default Password to one that you can easily remember you will need to:
1. Sign in to your account and click the “Self-Service” link in the left navigation bar
2. Locate the “Change your Password” menu and click on it
3. Key in your default/current Password and input a new Password thereafter.
4. Re-input the new Password and then click the “submit” button.
5. A confirmation page will then indicate whether the change was successful.
The new Password takes effect the next time you logon to the internet banking platform.
Should you require further assistance, please call our Contact Centre (GTConnect) on 0700 GTCONNECT (0700 482666328), 234-1-4480000, 08029002900 or 08039003900 and follow the voice prompts


How often can I change my Password?

Ans:You can change it as often as you want. However, we recommend that you change it periodically to prevent unauthorized access to your account.
If you are using a publicly accessed computer such as an Internet cafe or public library, your Password must be changed immediately.

How often can I transfer funds?

Ans:Funds transfer can be effected 24 hours a day, 7 days a week from the comfort of your home or office. The daily maximum cumulative daily transfer limit is set at =N=6,500,000 (Six Million Five Hundred Naira only) per Customer.

The daily limit however does not apply for own account transfer or where beneficiaries are pre-registered on the Internet banking platform as Account Holders enjoy the privilege of setting the required limit per beneficiary.

To guard against unauthorized transactions, account holders will be required to provide a transaction code generated from either their hardware token or the USSD token (*737*7#) in order to complete the transaction.

What are the types of transfers?

Ans:There are 3 types of transfers:

  • Own account Transfer: Transfers between your various accounts e.g. from current account to savings account
  • Transfer to GTBank Account: Transfers from any of your accounts to any other GTBank account.
  • Transfer to Other Banks: Transfers from any of your accounts to other Nigerian bank accounts could be any of the following: Instant, NEFT or NAPS.

What is a security Token?

Ans:It is a security device used to generate transaction codes for third party transfers via our Internet Banking platform and other e-channels. The transaction codes are used to authenticate and authorize transactions on your account.
Such transactions include: Transfer to any GTBank account, Transfers to other bank accounts etc. and for these, customers will require a security token.

You can get a security token at any GTBank branch at a cost of N2,100 (VAT exclusive) OR dial *737*7# for a USSD token. Each USSD session costs N10 OR via GTCONNECT (cost to be borne by customer) for NRN customers.

What is transaction code?

Ans:A transaction code is a randomly generated security number from your security token that will enable you complete your transactions online.

I have forgotten my sceret question and answer. What do I do?

Ans:If you have forgotten your secret answers and are unable to access the service, please visit and follow the steps below:

Forgot secret question:
1. Enter your user ID on the login page and select the forgot your secret question link
2. An secret question will be sent via email to the registered email address in our records

How long does it take for the beneficiary to receive the funds?

Ans:Funds are received instantly unless you used the NEFT transfer option wherein transfers are effected same day if sent before 12pm and next day if effected after 12pm.

How secure is my transaction?

Ans:The safety and confidentiality of customers’ personal information is our top priority. The security system makes use of the latest in technologies, standards, and business practices to guarantee customer security including:

  • 128 bit data encryption between your computer and internet banking system
  • Keypad for PIN entry to guard against Password cloning
  • The use of a token generated code to complete a transaction
  • Secret questions and answers which are encrypted
  • User ID and Password

What is GAPS?

Ans:GAPS is an acronym for Guaranty Trust Bank Automated Payment Systems. It is GTBank‘s Corporate Internet Banking service which gives corporate customers secure access to their transactions and accounts 24/7.

How can I register a customer for GAPS?

Ans:To register for GAPs, visit the Online Banking for Business widget on the website and click on the register button.

How can I register a customer for GAPS-Lite?

Ans:To register for GAPs-Lite, visit the Online Banking for Business widget on the website and click on the register button.

How do customers change/replace their profiled email address GAPS/GAPS-Lite?

Ans:For GAPS-Lite, the customer should give an instruction with the company letterhead. For GAPS, a board resolution will be required to effect the change.

Are all transactions online and real-time?

Ans:All intra-bank transactions are online and real time

How long does it take to get funds in beneficiary's Account?

Ans:Inter-bank transactions via NIBSS Instant Payment (NIP) are also online real-time. Inter-bank transactions via NEFT will be received same day by the beneficiary if initiated before 12 pm. Otherwise it will be received next day.

Are there any transfer limits on the GAPs?(Foreign or Local)

Ans:Local transfer limit is N250MM per transaction. Daily foreign transfer limit (where the source of funds is via cash deposit) is $10,000 daily and $50,000 weekly or its equivalent in other currencies. There is no limit for FX transfer where the source of funds is via SWIFT transfer.

What are the charges on GAPS?

  GTBank Account Transfers (per transaction)  Transfers to Other Banks using NIP/NEFT 
Single Payment  Free (GTBank to GTBank) N50
Bulk Transfer Charges  N50 N50
Salary Payments & Vendor  N50 N50

FX Transfers

  • Commission on Transfer on FX received via Cash deposit – 2% of Principal
  • Commission on Transfer on FX received via Transfer – 0.5% of Principal
  • VAT on Commission – 5% of Commission
  • Telex Charge – N4, 000

How can a customer access the GAPS platform?

Ans:GAPS is a web-based application and therefore requires only internet connectivity, the user’s log-in details and a security token.

Can receipts be generated per payment or transaction?

Ans:Yes! Receipts can be generated using the ‘Generate Receipt’ function in the Vendor/Client Mgt menu on GAPS.

Can a customer's login session time-out on the application?

Ans: Yes! GAPS times out after 10mins of inactivity.

Can a wrongly uploaded schedule/batch be stopped?

Ans:Yes! The schedules can be declined by a reviewer or an approver. Batches that are pending or waiting to be
processed can also be cancelled by an approver.
Note: Processed batches cannot be cancelled.

Is there a daily cut-off time on the application?

Ans:The service is available 24/7.

How will beneficiaries be notified of payments?

Ans: Email Alerts are sent to registered beneficiaries. The e-mails state the Payer’s name and the remarks specified by
the Payer.

Can the email alert sent to beneficiaries contain attachments?

Ans:GAPS allows customers to attach document to each transaction. These documents are currently not sent by e-mail
to the beneficiaries.

What is a POS Terminal?

Ans:The Point of Sale (POS) terminal is a portable device that accepts payments for goods & services from debit cards at merchant outlets.

What are the different types of terminals we have?

Ans:The POS terminal comes in various communication technologies

  • GPRS
  • LAN
  • Wi-Fi

What are the different types of terminals we have?

Ans:Each terminal has a unique Terminal Identification number for easy identification. Guaranty Trust Bank POS terminals are usually branded with GTBank Bubble Stickers in all our locations.

What Cards can the POS terminal accept?

Ans:The POS terminal would accept all MasterCard, Visa and Verve Cards issued in Nigeria. Internationally issued MasterCard and Visa Card would also be accepted on Foreign card POS Terminals.

What is the procedure for getting a POS?

  • Customer/Merchant must have a current account with the Bank.
  • Account Officer gives the form to the merchant or Merchant downloads the POS Merchant Registration form on the GTBank website (
  • Merchant Completes the form
  • Merchant submits completed form to account officer, the nearest branch or scans and mails the form to.

How long does it takes to get a POS machine:

Ans:How Toggle content goes here, click edit button to change this text.

What is/are the charge(s) for POS transaction?

  • Cost of POS Device (Hardware): To be borne by GTBank
  • Domestic Card Transaction Fee: 0.75% capped at NGN 1,200
  • International Transaction Fee: 3% Flat
  • Paper Rolls, SIM Card, Comms Charges: Free

How can I get a settlement report for my merchant?

Ans:A POS transaction report portal is available on our internet banking platform and GAPS. Merchants who have not been profiled on internet banking/GAPS could equally request for their statements via emailToggle content goes here, click edit button to change this text.

How can I locate GTBank POS Merchants near Me?

Ans:You can visit the Branch Locator on the corporate website and select POS Locator on the right hand side. 

How can a customer resolve their POS Dispense error complaint?

Ans:The customer should fill and submit a POS Dispense error form at the nearest branch. 

What can I do or who can I contact for a paper roll refill?

Ans:Paper Rolls and other POS consumables would be provided by our POS Support Team

What can I do to remedy a physical damage on the POS terminal that may affect its functionality?

Ans:POS technical issues would be resolved by visits from the Bank’s POS Support team and Point of sale terminal Service Providers (PTSPs). More serious damages or terminal misplacement/theft are covered under the POS Merchant Agreement.

Who can I Contact for other POS-related enquries?

Ans:For further information or enquiries please contact us on 08113798109-11; 08039003900; 08029002900 

Bank 737 FAQs

What do I stand to gain from this Withdrawal service?

Ans:You get to earn N50 per every transaction.

How do I monitor these withdrawal transactions, from my regular transactions with the Bank?

Ans:The report to monitor the withdrawal transactions is available on your Guaranty Trust Bank Automated System (GAPS) or kindly contact your Account Officer to send the transaction report to you.

How do I resolve a dispense error for this transaction?

Ans:Kindly contact your Bank to raise a dispense error claim. This can also be done on the different e-channels (Internet banking, ATM, etc.) for GTBank account holders only.

How can I confirm that the withdrawal transaction was successful?

Ans:A physical POS receipt would be printed from the POS terminal for both parties.

What is the cost of setting up the POS Cashout service?

Ans:There is no set up fee. The POS terminal is deployed free of charge.

How do I request for a 737 POS terminal as a GTBank Customer?

Ans:Kindly contact your Account Officer to fill and submit the POS Registration Form.

How do I setup the 737 POS terminal as a non GTBank Customer?

Ans:Kindly open a GTBank Corporate account, and request for a POS terminal via your Account Officer.

 Here is a list of all the 737 short codes needed to conduct any of your transactions.

S/N 737 Service 737 Code Charges Applicable
1. Account Opening *737*0# Free
2. Airtime (Self) *737*Amount# Free
3. Airtime (3rd Party) *737*Amount*PhoneNo# Free
4. Transfers (GTBank) *737*1*Amount*Nuban# N20
5. Transfers (Other Banks) *737*2*Amount*Nuban# N80
6. Cardless Withdrawal *737*3*Amount# N50
7. Fast Track Deposit *737*48*Amount*Nuban# N20
8. Data Purchase *737*4# Free
9. Account Balance/Account No/ BVN *737*6*1# N10
10. Loan Balance *737*6*2# N10
11. Card Status *737*6*3# N10
12. Cheque Book Status *737*6*4# Free
13. Generate OTP *737*7# Free
14. Airtime Advance *737*8*1 0.08
15. Give *737*32*Amount*Church Code# Free
16. Edu *737*31*Amount*School Code# Free
17. Checkout *737*35*Amount*Merchant Code# Free
18. Total Cashout *737*50*Amount*50# N50
19. StarTimes Subscription *737*37*Amount*SmartcardNo# N100
20. Swift Network Subscription *737*50*Amount*4# N100
21. Salary Advance *737*8*2# N20

What is the code for 3rd Party Top-up?

Ans:Simply dial *737*amount*recipient’s mobile no#

What is the charge for using this service?

Ans:The service is free.

What is the limit for Airtime Purchase?

Ans: This is subject to a daily cumulative limit of 10,000 (Self & 3 rd Party)

What is the code for Self Top-up?

Ans:Simply dial *737*amount#

What is the code for 737 Enquiry?

Ans: Simply dial *737*6#

What can I check with 737 enquiries?

Ans: Account Balance, Number & BVN, Card Status, Cheque Book Status, Loan Balance

What is the charge?

Ans:The charge is N10 per enquiry

Who can use the Enquiry Service?

Ans:All personal account holders, as long as the phone number is registered with the Bank.

How do I create a 4digits 737 PIN (Personal Identification Number)?

Ans:Simply dial *737*5# then enter the last 6digits of your active debit card to confirm.

Do I require a token to authenticate the transaction?

Ans:Transactions are authenticated using the last four digits of your active naira MasterCard or by using a unique 737 PIN created.

Is 737 transfers allowed on all networks?

Ans:The service is available on MTN, AIRTEL, GLO and 9MOBILE.

Is 737 transfers allowed on all account types?

Ans:It is exempted on corporate accounts, Joint accounts, Target accounts, SKS accounts, Max advance & Domiciliary accounts.

What is the charge?

Ans:The charge for GTBank transfer is ₦20 & ₦50 for other Banks transfer per transaction.

Daily cumulative limit allowed?

Ans:A daily cumulative limit of N200,000 is allowed for transfers to GTBank and other bank accounts.

What is the Code for transfers to other banks account?

Ans:Simply dial *737*2*amount*account no#

What is the code for transfers to a GTBank account?

Ans:Simply dial *737*1*amount*account no#

What is GTBank USSD Banking and what are the benefits?

Ans: GTBank USSD Banking is a convenient means of performing major Banking transactions (Transfers, Balance Enquiry, Airtime Top up, Cardless ATM withdrawal, Bill Payments etc.) on any Mobile phone anytime, anyday & anywhere. The service is convenient, secure, fast, intuitive and affordable.

Who can use 737 USSD Banking Service?

Ans:Any personal account holder with any mobile phone can use 737 Banking as the product is phone agnostic.

Can non-GTBank customers make use of this service?

Ans: No, this service is only available to GTBank account holders

What can I do with 737 USSD Banking?


  • Send money to other GTBank and Other Bank Accounts
  • Buy Airtime & Data for Self and others on all major networks
  • Check Account Number, Balances and BVN on the go
  • Generate One Time Passcode (OTP)
  • Pay bills
  • Perform Cardless ATM withdrawal
  • Fastrack Cash Deposit etc.


Do I require Data/Internet access enabled mobile phone to use 737?

Ans: No Data is required to use this service.

How do I enroll for 737?

Ans: No registration is required, just dial the string from your registered mobile number on the banks system.

Can I select the account to be debited?

Ans: The system debits the funds from any of the funded accounts.


How can a prospective NRN customer submit documents to GTBank for account opening?


NRN account opening documentation should be submitted through the following means:

Do customers who have an account with GTBank UK require references to open an NRN account?

Ans:No, NRN customers who have current accounts with GTBank UK do not require References to open NRN accounts.

What documents are required to open an NRN account?


The following documents are required to open an NRN account:

1. Duly completed account opening form.

2. One passport photograph showing full face forward.

3. A copy of any of the following means of identification of signatory:

  • Valid Nigerian International passport/any other foreign international passport
  • Valid National Driver’s license
  • Valid National Identity Card

4. Copy of any of the following:

  • Duly filled Banker’s confirmation form
  • Utility bill issued within the last three months for the address stated on the form (to be notarized by a notary public or confirmed by the Nigerian embassy if foreign).
  • Bank or Credit Card statement issued within the last three months showing customers address

5. References (either i or ii below):

  • One reference letter obtained from a current account holder (Nigerian) with any Nigerian Bank and a banker’s confirmation
  • Two reference letters from current account holder (Nigerian) with any Nigerian Bank

* All identification documents, Bank or Credit Card statement issued within the last three-months, and utility bills (if foreign) must be notarized by a notary public, sighted at the Nigerian Embassy or by an officer at GTBank.

Can Corporate accounts be opened for Non Resident Nigerians under the NRN service platform?

Ans:No, the NRN service is offered only to individuals and not to businesses. The customer will however be referred to the SME team.

Who are the target customers for the NRN service offering?

Ans:All Nigerians who reside outside the country for more than 180 days in a year.

Do NRN customers who visit the country still have to notarize their documents?

Ans:No, they do not. Sighted copies of these documents by a GTBank staff is acceptable.

What Electronic Channels and Services are available to NRN customers?


The following electronic channels are available to the NRN customer:

i. Card services:

  • MasterCard (USD and Naira denominated)
  • Visa Card (USD denominated)

With the Guaranty Trust Bank MasterCard and Visa card the NRN customer enjoys:

  • Accessibility – Gives the customer 24 hour access to funds from about 2.1 million ATMs worldwide
  • Worldwide acceptance – Can be used to pay for goods and services in about 34 million locations worldwide (hotels, supermarkets, petrol stations, etc) in 210 countries and across other channels such as the Internet
  • Safety – It employs the use of Chip & PIN technology to guard against unauthorized transactions

ii. GTConnect:

It is a total banking solution that provides the NRN customer instant service via a touch-tone or mobile phone. It is accessible from anywhere in the world and open for business 24 hours a day, seven days a week (Including public holidays) The NRN customer with a PIN password can do the following:

  • Check account(s) balances
  • Transfer funds between own accounts and to 3rd parties with accounts in GTBank
  • Request electronic cards
  • Request cheque books
  • Confirm cheques
  • Stop cheques
  • Reactivate dormant accounts

iii. Internet Banking:

The NRN customer with an internet banking password can do the following via the GTBank Internet Banking platform

  • View real time account balances and track up-to-the minute transactions on their accounts
  • Set up a standing order instruction to transfer funds to other accounts within GTBank and other Banks in Nigeria (Direct debit).
  • Transfer funds to beneficiaries with GTBank accounts or accounts in other banks via NEFT
  • Confirm cheques online and such confirmations are automatically registered on the Banking Application
  • Request for cheque books
  • Print Statement of account in PDF format or export to MS Excel format
  • PIN change: Users can change their login PIN (password) at any time

* All identification documents, Bank or Credit Card statement issued within the last three-months, and utility bills (if foreign) must be notarized by a notary public, sighted at the Nigerian Embassy or by an officer at GTBank

What is the role of a Banker’s confirmation in the NRN account opening process?

A stamped Banker’s confirmation stating the customer’s address serves as a proof of address and a reference at the same time. Therefore, customers who provide this, will only need to provide one reference. A utility bill will also not be required from them.

Can NRN customers who reside in London submit their account opening package in GTBank UK for onward delivery to the NRN Desk, Lekki branch?

Ans:Yes, these customers can visit GTBank UK for the submission of their NRN account opening package. They can also have their documents sighted by a GTBank UK officer in our London office.

Can an NRN customer transfer a fixed amount of money regularly(weekly, monthly e.t.c) to beneficiaries in Nigeria?

Ans: Yes, an NRN customer can transfer a fixed amount of money regularly to beneficiaries in Nigeria by setting up a standing order instruction (Direct debit) on Internet banking to the following:

  • Beneficiaries with GTBank account
  • Beneficiaries with accounts in other banks in Nigeria

What should I do if I misplace my NRN MasterCard Card?

Ans:You should hotlist the card immediately. To block your lost, stolen or compromised card – Send ‘HOTLIST (NUBAN) to 08076665555 E.g HOTLIST to 08076665555 or Contact GTConnect, our fully interactive contact center.

How long will it take before I receive the card replacement requested?

Ans:The card replacement requested should get to you in twelve working days, counting from the day the request is received by the processing unit. An e-mail will be sent to notify you that your request has been initiated

How can I obtain another NRN MasterCard?

Ans:You can obtain another card by completing the Naira MasterCard Application and indemnity Form then send the duly signed form to the Contact Center. Card and courier charges apply as applicable.

Is there a daily limit to the amount that can be transferred to beneficiaries in Nigeria via Internet banking and GTConnect?


Yes, there is a limit to the amount that can be transferred daily. The maximum amount that can be transferred:

  1. Beneficiaries with GTBank account is N1,000, 000.00
  2. Beneficiaries with accounts in other Banks in Nigeria is N500,000.00

How do I get my login details?

Ans:The username and password are system generated for confidentiality and sent to your registered e-mail address with the Bank; please ensure your e-mail address is correctly filled out in your account opening form. You will also be prompted to set a secret question and answer. You may contact the Bank if you do not receive the notification sent you.

How do I get the Internet Banking Service?

Ans:The Internet Banking Service is profiled for every new account opened, however, please consult with a Contact Center agent for assistance.

What if I forget my password or secret answer?

Ans: This can be reset on the Internet Banking platform or consult with an agent of the Contact Center for assistance.

Can NRN customers apply for their Internet Banking Token?

Ans: Yes, they can and this can be delivered to them at their location via courier at the customer’s cost.

How do I activate my new Token?

Ans: You can activate your new Token on the Internet Banking platform or contact GTConnect, our interactive contact center.

How can I request for another Token?

Ans: You will be required to fill a token request form and select the “Re-issue” option. Please refer to the Token request tab for full process; applicable charges apply.

How can an NRN customer pick up a token?


The following options are available to an NRN customer to pick up a token:

  1. The token can be couriered to the foreign address stated by the customer if requested. Cost to be borne by the customer.
  2. The token can be picked up by the customer when in the country.

How do I deactivate a lost or damaged Token?

Ans: Contact GTConnect to get your token deactivated.

How long will it take before I receive the replacement Token?

Ans:The replacement token will get to you five working days, from the day your request is received by the processing unit. An e-mail will be sent to notify you that your request has been initiated.