Moniepoint USSD Codes in 2026: No Internet? No Worries

Let’s face it, in Nigeria, the network can fail you at any moment. You might be in a village with no data, stuck in traffic with zero balance, or dealing with a power outage when you urgently need to send money or buy airtime. That’s where Moniepoint’s USSD code comes in very handy.

In 2026, Moniepoint has made offline banking simple and reliable with one main code that works on any phone, even the old Nokia types. You don’t need internet, the app, or even a smartphone. 

The Main Moniepoint USSD Code

The official and main USSD code for Moniepoint is *5573#.

This single code gives you access to almost everything: transfers, airtime, data, balance check, bill payments, and more. It works on MTN, Airtel, Glo, and 9mobile lines. Dialling it is free.

Full List of Useful Moniepoint USSD Codes in 2026

Here are the most important codes you should know:

• *5573# - Main menu (your starting point for everything)
• *5573*5# - Check your account balance instantly
• *5573*1*Amount*Account Number# - Transfer money to another Moniepoint account
• *5573*2*Amount*Account Number# -Transfer to any other bank account
• *5573*Amount# - Buy airtime for yourself
• *5573*Amount*Phone Number# - Buy airtime for another person
• *5573*4# - Buy data for yourself or others
• *5573*6# - Change or reset your PIN
• *5573*73Code# - Generate OTP for transactions
• *5573*911# - Block your account (if phone is lost or stolen)
• *5573*7# - Forgot PIN recovery
• *5573*99# - Activation or other account services

Once you dial *5573#, a clear menu appears, and you just reply with numbers to choose what you want. It’s straightforward and guides you step by step.

How to Use Moniepoint USSD Codes (Simple Steps)

1. Make sure the SIM you’re using is the one registered on your Moniepoint account.
2. Dial *5573#.
3. Wait for the menu to load.
4. Choose the option you want by replying with the number (e.g., 1 for Transfer).
5. Enter the amount, account number, or phone number as required.
6. Enter your 4-digit Moniepoint PIN to confirm.
7. You’ll receive an instant SMS confirmation.

The whole process usually takes under 30 seconds once you’re familiar with it.

How to Activate Moniepoint USSD Service

If the code isn’t working for you yet:

1. Open your Moniepoint app (when you have data).
2. Go to settings or the USSD section.
3. Activate the USSD banking feature.
4. Set or confirm your PIN.
5. Dial *5573# to test it.

It’s usually instant. If you don’t have the app, visit any Moniepoint agent to activate it for you.

Advantages of Moniepoint USSD in 2026

• Works perfectly without internet or data.
• Available on basic phones.
• Fast and secure with PIN protection.
• Free to dial (a small session fee of ₦10 may apply to some transactions as of late 2025).
• 24/7 availability.
• Good for both personal and business accounts.

Many traders, drivers, farmers, and students now rely on this code for daily transactions.

Common Problems and How to Fix Them

• Code says invalid or doesn’t respond; Confirm you’re using the exact registered phone number. Restart your phone and try again.
• Transaction fails; Check your balance first with *5573*5#. Make sure you have enough money plus any small fees.
• Forgot PIN; Use *5573*7# or reset it through the app when you have data.
• Slow or delayed response; This happens during heavy network traffic. Wait 10-20 seconds and try again.
• Account blocked by mistake; Use the unblock option or contact Moniepoint support.

Always keep your PIN secret and never share it with anyone.

Pro Tips for Using Moniepoint USSD

• Save the main code *5573# and important shortcuts in your phone notes.
• Check your balance before every transfer.
• Use the OTP feature for larger amounts.
• Teach your parents, spouse, or business partners how to use it; they’ll thank you.
• Combine it with the Moniepoint app when you have data for full features like QR code payments and statements.

Final Thoughts

In 2026, even with all the smart apps available, Moniepoint’s *5573# code remains one of the most practical tools for everyday Nigerians. It gives you full control over your money even when there’s no internet, no data, or a poor network.

Whether you’re sending money to family, buying airtime in a remote area, or protecting your account, just dial *5573# and handle it quickly.

No internet? No worries. Dial *5573# and stay in control of your money.