Moniepoint USSD Codes For Nigeria

Moniepoint USSD Codes For Nigeria: In today’s digital age, managing your money doesn’t always require a smartphone or internet connection. If you’re using Moniepoint in Nigeria, you’ll be glad to know you can take care of many banking tasks via USSD codes.

This article breaks down everything you need to know about Moniepoint’s USSD service, including how to activate it, check your balance, understand account levels/limits, deal with account restrictions and more.

let’s get started

What Is The USSD Code For Moniepoint

USSD which means (Unstructured Supplementary Service Data) codes let you perform banking tasks from a basic mobile phone or smartphone, no data required.

For Moniepoint, the primary code is: *5573# dial this from your registered mobile number to access Moniepoint’s offline banking menu.

Why Is This Important

• Works even when internet is weak or offline.
• You can perform transfers, airtime/data top-ups, check balance, reset PIN, block/unblock account—all via code.
• Simple to remember and fast.

So in short: Yes, Moniepoint has a USSD code. Dial *5573# and follow the prompts.

Also Read: How To Contact Zenith Bank Customer Care Number

How To Activate Moniepoint USSD Codes

Before you can use the USSD service, you must ensure your Moniepoint account is set up properly and you’ve enabled the USSD feature. Here’s how:

• Log in to the Moniepoint app (Personal or Business).
• Navigate to Settings (usually via your profile picture or menu).
• Find the option for USSD Feature and toggle it on or enable it.
• Once enabled, dial *5573# from your registered mobile number and you’ll see a menu of options. (Transfers, airtime/data, balance check etc.)
• Ensure your phone number is the same that you used when registering your Moniepoint account (BVN/NIN, etc) so that the USSD service recognizes you.

Note: If you dial the code and get a message like “Channel not enabled,” revisit the app to ensure the USSD feature is active or contact customer support.

Also Read: Polaris Bank Transfer Code For Easy Banking In 2025/2026

How To Check Your Balance On Moniepoint With USSD

Checking your Moniepoint balance via USSD is quick and straightforward. Here’s how:

• Dial *5573# on your registered mobile number.
• Select the option for “Check Balance” from the menu that appears.
• You may need to enter your PIN for security.
• Your account name, account number, and current balance will be displayed.

Note: If you have multiple accounts under Moniepoint (e.g., Personal and Business), you might be prompted to select which account you want the balance for.

How To Check Moniepoint Level

Moniepoint uses “KYC Levels” (Know Your Customer) to determine what transaction limits apply to your account. Each level has certain requirements and limits. To check which level your account is at:

• Log into the Moniepoint app and check your profile/account settings – there should be an area showing your KYC/level status.
• Alternatively, if you attempt a transaction and hit a limit, the app or system may display a message saying your level and the required upgrade steps.

While Moniepoint does not publicly list a simple “check level with USSD” code, you can review your app details or contact Moniepoint customer support.

How Much Is The Moniepoint Tier 1 (Level 1) limit?

For clarity: Moniepoint refers to KYC Level 1 (sometimes called “Tier 1”) and so forth. Here are the limits for Level 1 for both personal and business accounts.

• Single Debit (money out): ₦50,000 per transaction.
• Daily Debit (money out): ₦300,000.
• Single Credit (money in): ₦50,000.
• Daily Credit: ₦300,000.
• Balance Limit (how much can stay in the account): ₦300,000.
• So if your Moniepoint account is at Level 1, these are the constraints you operate under.

How Much Can A Moniepoint Level 1 Account Hold

As above: for Level 1, the balance limit is ₦300,000. That means at any given time, the total funds in the account should not exceed that amount.

If the balance goes above this threshold, your account may be flagged or restricted until you upgrade to a higher KYC level.

What Do You Need For Level 3 Moniepoint

To reach KYC Level 3 with Moniepoint (which gives you much higher limits and fewer restrictions), you’ll need to provide more documentation. According to Moniepoint’s support pages:

Requirements for Level 3 (Personal and/or Business):

• Proof of Address verification (for residential or business).
• Possibly Indemnity document (for business accounts).
• Additional identity verification steps beyond level 1 & 2 (depends on business vs personal).

Benefits of Level 3:

• Single debit limit: ₦5,000,000.
• Daily debit limit: ₦5,000,000 (for personal) and in some cases up to ₦25,000,000 for business accounts.
• For credit (money in), for personal accounts the limit may be unlimited for level 3.

So if you frequently transact larger amounts, upgrading to Level 3 is highly recommended.

What Can I Do If My Moniepoint Account Is Restricted

If your Moniepoint account gets restricted (i.e., you cannot carry out normal transactions), here are steps you should follow:

Identify The Reason:

Common reasons include exceeding your KYC level limit (e.g., depositing/withdrawing above Level 1 limit) or hitting fraud/security alerts.

Check Your KYC Level:

If you’re on Level 1 but tried to do a debit/credit above the allowed limit, your account may be automatically flagged.

Upgrade Your KYC Level:

Provide the required documents (proof of address, identity, business registration if applicable) to move to Level 2 or 3. Once approved, restrictions may lift.

Contact Moniepoint Support:

If you’re unsure why your account is restricted, reach out via the app or customer service.

Avoid Making Transactions Until Resolved:

Additional transactions while restricted may make things worse.

By following these steps, you can regain full access to your account.

Who Is The CEO Of Moniepoint Nigeria

The Chief Executive Officer (CEO) of Moniepoint Inc. is Tosin Eniolorunda.

Tosin Eniolorunda co-founded Moniepoint (formerly TeamApt) and has been widely recognized in the fintech space for his leadership and vision.

Conclusion

Using Moniepoint’s USSD banking via *5573# is a smart move if you want speedy, internet-independent access to your finances.

Whether you’re checking your balance, transferring money, buying airtime or data, or resetting your PIN—most of it can be done via your phone’s keypad.

However, knowing your account’s KYC level, understanding the limits, and ensuring your documentation is up-to-date is key to avoiding disruptions.

If you find yourself restricted, upgrading your level or reaching out to support should clear things up. So go ahead—dial *5573# and bank on-the-go with Moniepoint—but do it smart, knowing what your limits are and how to upgrade for more freedom.

Frequent Asked Questions – FAQs

Is Moniepoint Using USSD Code

Yes, Moniepoint uses the USSD code *5573# for offline banking (transfers, airtime/data, balance check, PIN reset, etc.).

What Is The Daily Withdrawal Limit For Moniepoint

For Level 1 (personal) the daily debit (withdrawal) limit is ₦300,000. For Level 2 the daily debit limit is ₦500,000. For Level 3 it’s much higher—up to ₦5,000,000 (personal) and more for business accounts.

How Many Years Does Moniepoint ATM Last

If you are referring to a debit card issued by Moniepoint, the lifespan mostly depends on the card type and issuer rules. Moniepoint doesn’t publicly specify an exact number of years. You may want to check the card’s expiry date printed on it or read the terms and conditions.

Can I Have Two Moniepoint Accounts

You should check Moniepoint’s terms of service. Generally, fintech platforms require each phone number/BVN to be linked to one account. Having multiple accounts may conflict with registration rules or KYC policies.

Can I Use Moniepoint Card For Netflix

If Moniepoint issues a valid debit card (virtual or physical) and it is approved for international/online transactions, then yes you should be able to use it for subscriptions like Netflix—provided you meet the card’s terms and have sufficient funds. Always check with Moniepoint about online usage and international transaction fees.

How Much Can Level 2 Moniepoint Cost

If by “cost” you mean transaction limits: At KYC Level 2, single-credit and single-debit limits are ₦100,000, and daily credit/debit limits are ₦500,000. There may be no additional monthly maintenance cost explicitly for “level 2” but you may need to submit documents for upgrade.

For more information on Moniepoint USSD Codes, visit this post, https://moniepoint.com/ng/moniepoint-ussd