MoniePoint USSD Code: how to Money Transfer, Balance Check, Loans, Borrowing, and Airtime Purchase

What is MoniePoint?

MoniePoint is not just another financial institution; it’s a dynamic financial technology company that has taken Nigeria by storm. Established with the goal of making financial services accessible to all, MoniePoint has rapidly become a household name. But what sets MoniePoint apart? It’s their innovative approach to banking that caters to the modern individual’s needs.

What is USSD Banking?

USSD (Unstructured Supplementary Service Data) banking is a revolutionary way of accessing financial services through your mobile phone. Unlike traditional banking, USSD banking doesn’t rely on an internet connection, making it accessible to a broader spectrum of people, including those in remote areas with limited internet access.

Benefits of Using MoniePoint USSD Code

Before we dive into the nitty-gritty of using MoniePoint USSD code, let’s check the benefits it offers:


MoniePoint USSD code is available to anyone with a mobile phone, regardless of whether it’s a smartphone or a basic feature phone. This accessibility makes financial services inclusive.


Imagine being able to perform various financial transactions without the need for an internet connection or a visit to a physical bank. That’s the convenience of MoniePoint USSD banking.


Using USSD banking is incredibly cost-effective. There are no data charges, and the transaction fees are minimal compared to traditional banking.


MoniePoint takes security seriously. Their USSD banking service is designed with robust security measures to protect your financial information.

How to Use MoniePoint USSD Code

Now that you’re aware of the fantastic benefits, let’s get down to the nitty-gritty. Here’s a step-by-step guide on how to use MoniePoint USSD code for various financial transactions:

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See this; MoniePoint Customer Care: Phone Number, Whatsapp Number, Email Address and MoniePoint Contact Address

How to use Moniepoint USSD code to Transfer Money

1. Dial *777# from your mobile phone.

2. Select option 2 (Transfer Money).

3. Enter the recipient’s phone number.

4. Enter the amount you want to transfer.

5. Follow the prompts to complete the transaction.

How to use Moniepoint USSD code to Check Account Balance

1. Dial *777# from your mobile phone.

2. Select option 1 (Check Account Balance).

3. Follow the prompts to view your account balance.

How to use Moniepoint USSD code to Apply for a Loan

  • Dial *777# from your mobile phone.
  • Select option 3 (Apply for a Loan).
  • Follow the prompts to complete the loan application process.

How to use Moniepoint USSD code to Borrow Money

  • Dial *777# from your mobile phone.
  • Select option 4 (Borrow Money).
  • Follow the prompts to borrow money conveniently.

How to use Moniepoint USSD code to Buy Airtime

1. Dial *777# from your mobile phone.

2. Select option 5 (Buy Airtime).

3. Enter your phone number.

4. Follow the prompts to purchase airtime effortlessly.


What is the code for MoniePoint recharge?

The MoniePoint recharge code is *888#. To recharge airtime using the MoniePoint USSD code, follow these steps:

  • Dial *888# on your mobile phone and press the call button.
  • Select “Airtime” from the list of options displayed.
  • Select the network provider you want to purchase airtime for.
  • Enter the recipient’s phone number.
  • Enter the amount of airtime you want to purchase.
  • Confirm the details of the transaction, including the recipient’s phone number and the amount.
  • Enter your MoniePoint PIN or the last four digits on your debit card to authorize the transaction.
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How much does Moniepoint charge for 10000 withdrawal?

Moniepoint charges a flat rate of N100 for withdrawals above N20,000. So, for a withdrawal of N10,000, the charge will be N100.

How do I check my transaction balance In moniepoint?

To check your transaction balance, 

  • Open the MoniePoint app.
  • Tap on the “Menu” icon in the top left corner.
  • Select “Transactions”.
  • You will see a list of all your recent transactions, including the transaction balance.

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Can you see how simple and hassle free this moniepoint USSD code offers. That’s all about how to use moniepoint USSD for money transfer, balance check, loans, borrowing, and airtime purchase. Thanks for reading. 

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