Are you ready to discover a super easy way to manage your money right from your phone? Well, get ready because we’re about to get into the system of Moniepoint USSD.

Imagine being able to send money to your aunty in Lagos, buy airtime for your phone, or check your account balance – all without needing the internet or a fancy smartphone. Sounds like magic, right? Well, it’s not magic, it’s Moniepoint USSD.

In this blog post, we’re going to walk you through everything you need to know about Moniepoint USSD. We’ll explain what it is, how to set it up, and all the things you can do with it.

So, whether you’re a student, a market trader, or just someone who wants an easier way to handle money, this guide is for you. Let’s get started.

What is Moniepoint?

First things first, let’s talk about Moniepoint. It’s a tool that helps people send and receive money easily. Imagine you have a piggy bank, but instead of just keeping your money in it, you can also use it to give money to your friends or family. That’s kind of what Moniepoint does, but it’s all done with your phone.

What is a USSD code?

Now, you might be wondering, “What’s a USSD code?” Well, it’s like a secret code you can type on your phone to do special things. In this case, we use a USSD code to talk to Moniepoint and tell it what we want to do with our money.

Why should you use Moniepoint USSD?

Using Moniepoint USSD is super helpful because:

1. It’s fast – you can do things quickly.

2. It’s easy – even if you don’t have a fancy smartphone, you can still use it.

3. It works everywhere – you don’t need the internet to use it.

How To Register And Use MoniePoint USSD code

Now, let’s learn how to register and use the Moniepoint USSD code.

Step 1: Get a Moniepoint Account

Before we can use the USSD code, we need to have a Moniepoint account. It’s like getting a library card before you can borrow books. Here’s how you can get one:

1. Go to a Moniepoint agent near you. They’re like the helpful librarians in this story.

2. Tell them you want to open a Moniepoint account.

3. You’ll need to show them some important papers, like your ID card. This is to make sure you’re you!

4. The agent will help you fill out some forms.

5. Once that’s done, you’ll get your very own Moniepoint account.

Step 2: Activate Your Moniepoint USSD

Now that you have your account, it’s time to activate your USSD code. This is like turning on the magic that lets you use your phone to talk to Moniepoint. Here’s how:

1. Pick up your phone. Any phone will do, even if it’s not a smartphone.

2. Open your phone’s dialer. That’s the part of your phone where you type in numbers to call people.

3. Type in this magic code: *5573#

4. Press the call button.

5. You’ll see a menu pop up on your screen. It’s like a list of things you can do.

6. Choose “Activate USSD” from the list.

7. The phone will ask for some information. This is to make sure it’s really you.

8. Type in your account number. You got this when you opened your account.

9. Next, type in your date of birth. Remember to put it in the right order: day, month, year.

10. Now, you’ll need to create a secret PIN. This is like a password, but it’s only numbers. Choose four numbers that you can remember easily, but that other people won’t guess.

11. Type your PIN again to make sure you got it right.

12. If you did everything correctly, you’ll see a message saying your USSD is now active.

Step 3: Using Your Moniepoint USSD

Now comes the fun part – using your Moniepoint USSD. Here are some cool things you can do:

1. Check your balance:

• Dial *5573#

• Choose “Check Balance”

• Enter your PIN

• You’ll see how much money you have in your account.

2. Send money to someone:

• Dial *5573#

• Choose “Transfer”

• Pick whether you’re sending to a Moniepoint account or another bank

• Type in the account number you’re sending to

• Enter how much money you want to send

• Confirm the details

• Enter your PIN

• Your money will be sent.

3. Buy airtime for your phone:

• Dial *5573#

• Choose “Buy Airtime”

• Pick if you’re buying for yourself or someone else

• Enter the phone number

• Type how much airtime you want to buy

• Confirm and enter your PIN

• Your phone will be topped up with airtime.

Remember, every time you want to do something with your Moniepoint USSD, you start by dialing *5573#.

Transfer Limits

Now, let’s talk about something important – transfer limits. This is like having a rule about how much candy you can eat in a day. Moniepoint has rules about how much money you can send in a day. This is to keep your money safe.

For most people using Moniepoint USSD:

• You can send up to 50,000 Naira in one go.

• In a whole day, you can send up to 100,000 Naira.

But don’t worry. If you need to send more money, you can always go to a Moniepoint agent. They can help you send larger amounts.

Getting a Moniepoint POS

“POS” stands for “Point of Sale”. It’s like a little machine that helps businesses collect money from customers. If you have a shop or a business, you might want to get a Moniepoint POS. Here’s how:

1. Visit a Moniepoint agent or office.

2. Tell them you want to apply for a POS machine.

3. They’ll give you a form to fill out. You’ll need to write down information about yourself and your business.

4. You’ll need to show some important papers, like:

• Your ID card

• Proof of where you live (like an electricity bill)

• Proof of your business (like a business registration certificate)

5. The Moniepoint team will look at your application.

6. If everything looks good, they’ll give you a POS machine.

Having a POS machine can be great for your business. It lets your customers pay easily, even if they don’t have cash.

Staying Safe with Moniepoint USSD

Using Moniepoint USSD is safe, but you need to be careful too. Here are some tips to keep your money safe:

1. Never share your PIN with anyone. It’s your secret code.

2. If you think someone knows your PIN, change it right away.

3. Be careful when typing your PIN. Make sure no one is watching.

4. If you lose your phone, call Moniepoint quickly to block your account.

5. Always check the details before you send money. Make sure the account number is right.

What to Do If You Have Problems

Sometimes, things might not work the way they should. Here’s what you can do:

1. If your USSD doesn’t work, try again after a few minutes.

2. Make sure you have enough airtime on your phone.

3. Check that you’re in a place with good network coverage.

4. If you’re still having trouble, you can call Moniepoint customer service. Their number is 0700 000 3366.

The friendly people at customer service can help you with any problems you have.

Why Moniepoint USSD is Great for Nigerians

Moniepoint USSD is perfect for Nigerians because:

1. It works on any phone, even if you don’t have a smartphone or internet.

2. You can use it anywhere in Nigeria, even in small villages.

3. It’s a fast way to send money to family or friends.

4. You can easily buy airtime or pay bills without going to a shop.

5. It helps you keep track of your money easily.

Moniepoint is always trying to make things better for its users. They might add new features in the future, so keep an eye out.

Frequently Asked Questions And Answers About Moniepoint USSD

Do I need a smartphone to use Moniepoint USSD?

No, you don’t. Moniepoint USSD works on any type of phone, even basic phones without internet.

How much does it cost to use Moniepoint USSD?

Using the USSD code itself is free. You only pay for the transactions you make, like transfer fees.

Can I use Moniepoint USSD if I don’t have internet?

Yes, you can. That’s one of the best things about USSD – it works without internet.

What if I forget my PIN?

If you forget your PIN, you’ll need to visit a Moniepoint agent or call customer service to reset it.

Can I send money to other banks using Moniepoint USSD?

Yes, you can send money to accounts in other banks using Moniepoint USSD.

Is there a limit to how much money I can send?

Yes, there are daily limits. Usually, you can send up to 100,000 Naira per day using USSD.


Moniepoint USSD makes dealing with money easy and fun. It’s like having a helpful friend in your pocket, always ready to assist you with your money matters. Why not give it a try? Remember, if you have any questions, you can always ask a Moniepoint agent or call their customer service.

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