Guaranty Trust Bank plc is a direct agent of Western Union International, a global money transfer company with over 480,000 agent locations in over 200 countries. The Western Union service is a quick and reliable means of sending and receiving money to and from friends and families around the world.

Thanks to our nationwide branch network, our reliable technology driven service and excellent customer service culture, we have become one of Western Union's highly recommended agents in Africa and the world. Guaranty Trust Bank plc offers fast and efficient service for all to receive their funds in the local currency, (Naira).

The new Account Based Money Transfer (ABMT) service from Western Union allows you to receive money directly into your GTBank Account online real-time!

The product allows you to:

  • Enjoy 24/7 convenience to complete fund receipt processes from your home or office
  • Save time as you no longer need to go to the bank
  • Experience the same fast and secure Western Union standard

Receive Funds

To receive funds via ABMT you'd need the following:

  • MTCN {10 digit} Number
  • Funds must be sent with Customer's First and last name which must match with Account Name
  • Sender's name
  • Amount Expected must be inputted in NAIRA
  • The conversion rate is determined by Western Union, this can be confirmed from the sender of funds
  • Country of Origin of Funds Test question and answer

Receive via Account

How to Receive Western Union Money Transfer into your GTBank account via Internet Banking (

  • Log on to the Internet Banking portal from
  • Click on GTCollections
  • Select 'New Request'
  • Click 'Western Union Receive Money
  • Input payment details on the form displayed
  • Provide answer to secret question in the field provided
  • Check on 'Terms and Conditions'
  • Click 'Continue' to accept details and proceed to the confirmation page
  • Click 'Submit' to execute transaction
  • View Transaction History page to confirm successful completion of transaction
  • Click on View Receipt to print your transaction receipt

Receive via GTBank ATMs

To receive Western Union funds via any GTBank ATM nationwide:

  • Simply press any key on the ATM
  • Click the Western Union option
  • Agree to terms and conditions
  • Select account type
  • Select the country where the funds were sent from (sending country); and where country is not available, enter the sending country code / ISO Code
  • Enter the expected amount in Naira
  • Enter the GTBank NUBAN account of the receiving party
  • Enter the 10-digit Money Transfer Control Number (“MTCN”)