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backThere’s a special kind of panic that hits when you’re about to pay for something and suddenly realise… you’re not sure how much is left in your account.
Maybe you’re standing in a queue. Maybe your data just finished. Maybe your banking app refuses to load at the worst possible moment.
Here’s the good news: you don’t need internet access to check your balance.
If you use Moniepoint, you can check your account balance instantly using a simple USSD code, no app, no data, no stress.
Let’s walk through exactly how it works.
What Is USSD Banking?
USSD (Unstructured Supplementary Service Data) banking lets you access your bank account by dialling a short code on your phone.
For Moniepoint users, that code is *5573#
Once you dial it, a small menu appears with options. You simply reply with numbers to choose what you want to do.
It works:
Without internet
Without a smartphone
Without logging into the app
On any phone (even basic feature phones)
As long as you have a network signal, you’re good to go.
That’s what makes USSD banking incredibly reliable. Whether you’re travelling, in a low-network area, or just need something quick, it’s always available.
What You Need Before Checking Your Balance with USSD
Before dialling *5573#, make sure the following are in place:
1. Your Phone Number Must Be Linked to Your Moniepoint Account
USSD works through your SIM card. You must dial the code from the same phone number used to register your Moniepoint account.
If you switch SIM cards or dial from a different number, the request won’t go through.
2. USSD Banking Must Be Activated
If you’re using USSD for the first time, you need to enable it in the Moniepoint app.
It’s a one-time setup. Here’s how to activate it:
Open your Moniepoint app
Go to Settings
Under transactions, activate USSD Banking
Create or confirm your USSD PIN
This PIN will be required every time you perform a USSD transaction.
3. You Need a Small Amount of Airtime
USSD does not require an internet connection, but it does require a small network fee.
Make sure you have a little airtime on your line before dialling.
Moniepoint USSD banking works on all major Nigerian networks:
MTN
Airtel
Glo
9Mobile
Step-by-Step: How to Check Moniepoint Account Balance Using *5573#
Follow these simple steps:
Step 1: Dial *5573#
Using your registered phone number, dial: *5573#
Tap the call button and wait for the menu to appear.
Step 2: Select “Check Balance”
From the menu options displayed, choose the number next to Check Balance.
Reply with that number and press send.
Step 3: Select Your Account (If Applicable)
If you have multiple accounts, choose the one you want to check.
Step 4: Enter Your USSD PIN
Enter your USSD PIN to confirm your identity.
Step 5: View Your Account Balance
Within seconds, your account balance will appear on your screen.
No app. No internet. No waiting.
Other Things You Can Do with Moniepoint USSD Code (*5573#)
USSD banking does more than just check your balance. Here’s what else you can do:
Transfer Money: Send funds to friends, family, or business partners instantly.
Buy Airtime or Data: Top up your phone or purchase data directly from your account.
Reset Your PIN: Forgot your PIN? You can reset or change it easily.
Block or Unblock Your Account: Lost your phone? Secure your account immediately using USSD. Found it? You can unblock it just as quickly.
All of this works without internet access.
Why Use Moniepoint USSD Banking?
Here’s why many users rely on USSD:
It’s fast
It works on any phone
It doesn’t require data
It’s available 24/7
It’s reliable even with weak internet
When your app is slow or your data is finished, USSD is your backup plan.
Frequently Asked Questions
What is the Moniepoint USSD code?
The official Moniepoint USSD code is *5573#.
Can I check my Moniepoint balance without internet?
Yes. USSD banking works without internet access.
Does Moniepoint USSD work on all networks?
Yes. It works on MTN, Airtel, Glo, and 9Mobile in Nigeria.
Is there a charge for using USSD?
Yes, there is a small network fee charged by your mobile provider.
Final Thoughts
Sometimes, the internet just doesn’t cooperate. Apps crash. Data finishes. Networks slow down.
That’s exactly why USSD banking exists.
By simply dialling *5573#, you can check your Moniepoint account balance in seconds, transfer money, buy airtime, and manage your account, anytime, anywhere.
If you haven’t activated USSD banking yet, open your Moniepoint Personal or Business Banking app today and enable it.
It’s one small setup that gives you full control of your money, even offline.
