While mobile banking has become part of our everyday life in Nigeria, internet access is not always reliable. This is why, for Moniepoint users, having a quick way, like Moniepoint USSD codes, to complete a transaction without opening an app or searching for WiFi is vital.
In this complete guide, you will learn everything you need to know about Moniepoint USSD codes in Nigeria. This includes how to activate Moniepoint USSD banking, how to transfer money, and how to solve common USSD problems. Are you ready to discover something new? Stick with me till the end.
KEY TAKEAWAYS:
- The primary Moniepoint USSD code is *389#, which gives you access to the full menu of offline banking services.
- You must use your registered phone number to activate and use Moniepoint USSD code banking.
- Moniepoint USSD code works completely without internet, making it reliable in areas with poor data connectivity.
- You can transfer money, buy airtime, purchase data, pay bills, and check your balance entirely via USSD.
What Is Moniepoint USSD?
Moniepoint USSD is a mobile banking service that allows you to carry out banking transactions using short codes on your phone. Once you dial the primary Moniepoint USSD code, *389#, you can access different banking options directly from your phone screen and do the following:
- Transfer money
- Buy airtime
- Purchase data
- Check account balance
- Pay utility bills
- Block your account
- Access customer support
- Manage transactions offline
Main Moniepoint USSD Codes in Nigeria
Here are the most popular Moniepoint USSD codes and what they are used for:
| Service | USSD Code |
| Main menu | *389# |
| View wallet balance | *389*0# |
| Transfer money to a Moniepoint account. | *389*1*amount*account number# |
| Send money to another account. | *389*2*amount*account number# |
| Buy Airtime for Self | *389*3*amount# |
| Buy Airtime for Others | *389*4*amount*phone number# |
| Purchase Data | *389*5*phone number# |
| Pay Bills | *389*6# |
| Block Account | *389*7# |
| Customer support | *389*0# |
Why Many Nigerians Prefer Moniepoint USSD Banking
Here’s why many people prefer using Moniepoint USSD in Nigeria:
- It works without internet: Even in areas with poor network coverage or limited data access, you can still complete transactions.
- It saves time: Opening an app, waiting for it to load, and dealing with login issues can waste time. USSD banking removes those delays.
- It works on any phone: You don’t need an expensive smartphone. Even simple button phones can use Moniepoint USSD banking.
- It helps during emergencies: Need urgent airtime? Need to block your account quickly? USSD gives you immediate access.
- It is compatible: Moniepoint USSD works with all major Nigerian networks, including MTN, Airtel, Glo, and 9Mobile.
- It’s secure: Moniepoint protects USSD transactions with PIN authentication and SIM verification.
How to Activate Moniepoint USSD Banking
Before using Moniepoint USSD for transfers or other transactions, you need to activate the service. Luckily, the simple process includes the following steps:
- Use your registered phone number: Your phone number must already be linked to your Moniepoint account.
- Dial the main code: Dial *389#.
- Follow the on-screen instructions: The system will display available banking options.
- Create your USSD PIN: You’ll need to set up a secure 4-digit PIN to authorize your transactions.
- Confirm activation: Once completed, you can start using Moniepoint USSD banking immediately.
Read Also – PalmPay USSD Codes in Nigeria (2026)
A More Detailed Overview of Moniepoint USSD Codes
1. To Transfer Money
- Dial *389*1# or *389*2*Amount*AccountNumber#.
- Enter the recipient’s account number and select the bank.
- Enter the amount and confirm the transaction with your PIN.
This process works with banks like Access Bank, First Bank, GTBank, UBA, Wema Bank, and Zenith Bank.
2. For Airtime Recharge
For yourself:
- Dial *389*3*Amount#
For another person:
- Dial *389*4*Amount*PhoneNumber#
3. For Data Purchase
- Dial *389*5*PhoneNumber#
4. For Account Balance
- Dial *389*0# and enter your PIN if prompted.
5. For Bill Payments
Dial *389*6#, and from the menu, you can pay for:
- Electricity bills
- DSTV subscriptions
- GOTV payments
- Startimes subscriptions
- Data bundles.
6. To Block Moniepoint Account
In the case of a phone theft or when you suspect fraud:
- Dial *389*7# to block your account and prevent unauthorized transactions immediately.
How to Reset Moniepoint USSD PIN
If you forget your PIN, you can reset it by doing the following:
- Dial *389#.
- Select “Forgot PIN”.
- Enter the OTP sent to your phone to verify your identity.
- Create a new PIN.
- Confirm the new PIN.
Moniepoint USSD Charges and Transaction Charges
When it comes to using Moniepoint USSD, you should know that dialing *389# itself is usually free. Similarly, you do not get charged for transfers to other Moniepoint accounts, airtime purchases, or balance checks. However, Bank transfer fees may apply depending on the transaction type and amount. Also, your mobile network provider may charge a small USSD session fee between ₦6 and ₦7 per session.
Common Moniepoint USSD Problems and Solutions
1. Moniepoint USSD Not Working
Solution
- Move to an area with a stronger signal
- Use your registered phone number
- Wait a few minutes and retry
- Restart your phone
2. Invalid PIN
Solution
Reset your PIN through the forgot PIN option.
3. Session Timeout
Solution
Work quickly through prompts and ensure stable network coverage.
4. Transfer Failed
Solution
Confirm recipient details and ensure your wallet contains enough funds.
Moniepoint USSD Safety Tips
When using Moniepoint USSD, protect yourself by practicing the following safety tips:
- Never share your PIN.
- Block your account immediately if your phone gets stolen.
- Use only your registered SIM.
- Ignore suspicious calls requesting your banking details.
Shortcomings of Moniepoint USSD
While useful, USSD banking still has the following limitations:
- Limited features: Advanced banking services, like savings or loans, require the app.
- Network dependence: A poor mobile signal can interrupt sessions.
- Session timeouts: Long delays during transactions may disconnect the session.
- Transaction limits: Some USSD transactions have daily limits.
Frequently Asked Questions (FAQs)
- What is the Moniepoint USSD code for money transfer?
To transfer money to another Moniepoint account, dial *389*1*Amount*AccountNumber#. To send to a different bank, dial *389*2*Amount*AccountNumber# and follow the on-screen prompts.
- How do I activate Moniepoint USSD banking on my phone?
Dial *389# using the phone number linked to your Moniepoint account, follow the on-screen instructions, and set up your 4-digit USSD PIN.
- Is Moniepoint USSD available on MTN, Airtel, Glo, and 9Mobile?
Yes. Moniepoint USSD (*389#) is fully compatible with all four major Nigerian mobile networks.
- Can I use Moniepoint USSD on a basic (non-smartphone) phone?
Absolutely. Moniepoint USSD works on any mobile phone because it requires no internet connection, no app, and no touchscreen. As long as your phone can make calls and dial codes, USSD banking will work.
- How do I reset my Moniepoint USSD PIN if I forget it?
Dial *389#, select “Forgot PIN,” enter the OTP sent to your registered phone number to verify your identity, then create and confirm a new 4-digit PIN.
Conclusion
Banking should never stop because your internet did. Thankfully, Moniepoint USSD codes put that power back in your hands, no app, no WiFi, no stress. Whether you are in a busy place like Lagos, in a rural community, or simply in a hurry, *389# keeps your money moving.
References
- moniepoint.com – 8 Essential USSD Codes Every Moniepoint User Should Know
- moniepoint.com – How to Check Your Moniepoint Account Balance Using USSD Code (*5573#)
- financials.com.ng – OPay PalmPay Kuda & Moniepoint USSD Codes For Bill Payment 2026
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