How To Increase Transfer Limit On GTB 737 And Mobile App
Hitting your GTBank transfer limit at the worst possible moment? Yeah, I’ve been there—right in the middle of a transaction, and boom… “Limit exceeded.” Frustrating, right?
The good news is, you can increase your transfer limit on both GTB’s mobile app and USSD (737#)—and it doesn’t take long once you know what you’re doing. I’ve done it myself, and in this guide, I’ll walk you through it with step-by-step instructions, insider tips, and a few lessons I learned the hard way.
Let’s fix that limit problem—once and for all.
Quick Answer: How To Increase Transfer Limit On GTB 737 And Mobile App
If you’re looking to raise your GTBank transfer limits, the good news is—it’s possible and easy once you know the steps. Here’s a quick guide to do it on both GTB 737 USSD and the GTBank mobile app:
- For the 737 USSD: Set up your PIN (you can do this directly from your phone), and you’ll be able to send up to ₦100,000 daily without needing a physical token. Want more? A hardware token boosts your limit to ₦500,000.
- For the GTBank Mobile App: You’ll need a soft token (easily activated) to send up to ₦5 million. Even higher limits are possible with some paperwork at the branch for business accounts.
Before getting started, make sure you have your GTBank debit card, BVN, and phone number linked to your account. These are crucial to completing the process smoothly.
How To Increase Transfer Limit On GTB Mobile App (Step-by-Step)
Increasing the limit on the GTBank mobile app is straightforward but requires some steps. Here’s how I did it:
Step 1: Activate Your GTBank Hardware Token
I’ll be honest—this was the key for me. When I first tried to send a big amount, I was stuck at the default ₦200,000 limit. So, I activated my hardware token to unlock ₦5 million.
To activate, you can:
- Go to any GTBank branch and request one.
- The token is free, but it can take a day or two to get.
Note: GTBank also offers a soft token through their app, which I personally recommend if you don’t want to carry the physical one around.
Step 2: Use The Token To Complete Higher-Limit Transfers
Once your token is activated, open the GTWorld or GTBank app and set your new limits through Settings > Transfer Limits. I found the interface easy to navigate, and within minutes, my transfer limit was adjusted.
Step 3: Visit A GTBank Branch (If Needed)
In some cases (like with business accounts), you might need to go to a branch and fill out paperwork to get a higher transfer limit. I did this for my business account, and GTBank’s reps were super helpful with the process. Afterward, my limit was raised to ₦10 million.
How To Increase Transfer Limit On GTB 737 USSD (Step-by-Step)
Using the 737 USSD code for transfers is quick and easy. But to go above the basic limit, I had to follow these steps:
Step 1: Set Up Or Update Your PIN With Your Debit Card
I’ll admit, I didn’t set up my PIN right away—big mistake! It’s a simple process where you dial *737*5# and follow the prompts to link your ATM card and BVN. With this, your limit bumps up to ₦100,000 a day.
Step 2: Use 7375# to Change Your PIN
For extra security, you can change your PIN anytime by dialing *737*5#. This is helpful if you think your PIN has been compromised or if you just want to add some extra security.
Step 3: Get A Hardware Token For Higher Transfers
This is where the magic happens—using the hardware token. Once you have it, your transfer limit increases to ₦500,000 per day.
Default Transfer Limits on GTB 737 and Mobile App
So, what’s the maximum you can send without jumping through hoops? Here’s the breakdown for 2025:
- GTB 737 USSD Default Limits:
- Without PIN: ₦20,000 daily
- With PIN: ₦100,000 daily
- With Token: ₦500,000 daily
- GTBank App Default Limits:
- Without Token: ₦200,000 daily
- With Token: ₦5 million daily
| Platform | Limit Without Token | Limit With Token | Max Daily |
| 737# USSD | ₦100,000 | ₦500,000 | ₦500,000 |
| Mobile App | ₦100,000 | ₦5,000,000 | ₦5,000,000 |
So yeah, you’re going to hit that wall fast if you haven’t activated a token.
Differences Between USSD and Mobile App Transfers
Here’s the key difference: USSD is best for quick transfers on the go but has a lower daily limit, while the mobile app gives you access to much higher limits, plus more features like transaction history and instant notifications.
GTBank Hardware Token: What It Is & Why You Need It
Here’s my personal tip: Get the hardware token if you’re serious about transferring larger amounts. It’s an extra layer of security and convenience.
How It Works With Both Platforms
Whether you’re using the 737 USSD code or the GTBank app, the hardware token helps you authenticate large transfers. It works by generating a one-time PIN (OTP) that you’ll use for each transfer over ₦100,000.
- It generates a fresh 6-digit code every 60 seconds.
- Use it when prompted for secure transactions.
- The codes are time-sensitive, so don’t delay entering them.
Where and How To Get It
You’ll need to walk into a GTBank branch (no way around this yet).
What I brought:
- My ID (Driver’s License)
- My GTBank account number
- My patience (queues can be a thing)
Visit any GTBank branch and request a token. It’s free for personal users, but it might take a couple of days for activation. For business accounts, you might have to submit additional paperwork.
Once activated, it lasts forever—or at least until you break or lose it (been there too).
GTBank Transfer Charges & Limits Explained
GTBank is transparent about its fees, but I’ve learned a few things from personal experience:
- USSD Transfers:
- Intra-bank (to GTBank accounts): Free
- Inter-bank (to other banks): ₦10.75
- App Transfers:
- Intra-bank (to GTBank accounts): Free
- Inter-bank (to other banks): ₦10.75 per transfer
Daily and Per-Transfer Limits
| Channel | Max Per Transfer | Max Per Day |
| 737# (with token) | ₦500,000 | ₦500,000 |
| Mobile App (with token) | ₦5,000,000 | ₦5,000,000 |
| In-branch | Above ₦5M | Depends on approval |
Fees, VAT, and What They Mean for You
- ₦10.50 for transfers within GTBank (low fee)
- ₦26.25 for interbank transfers (includes VAT)
- No charge for some bill payments or account top-ups
I usually do bulk transfers in one go to save on fees.
Pro Tip: If you need to send a large amount to another bank, I recommend doing it through the GTBank app instead of USSD, since the app offers better tracking and is free for intra-bank transfers.
Troubleshooting: Transfer Limit Increase Not Working?
I ran into a situation once where my limit didn’t update right away. Here’s how to troubleshoot:
How To Check If Your New Limit Is Active
- Open the GTBank app or dial 737 to check your available limit.
- If the limit hasn’t increased, try restarting the app or phone, or logging out and back in.
Contacting GTBank for Help
If all else fails, reach out to GTBank customer service via social media, email, or phone. The staff is generally helpful, but I recommend having your account details and transfer history ready for faster resolution.
Security Tips When Increasing Your Transfer Limit
After a close call with fraud, I learned a few crucial lessons. Keep these in mind:
- Protect Your PIN and Token: Never share your PIN with anyone, and store your hardware token securely.
- Avoid Scams: Watch out for fake bank calls or texts. GTBank never asks for PINs or account details via phone or email.
FAQs About GTBank Transfer Limits
Here are some frequently asked questions I’ve come across from friends and fellow users:
Can I Remove The Limit Entirely?
No, the limit can’t be entirely removed. However, business accounts can request higher limits after meeting GTBank’s verification requirements.
Do I Need a Hardware Token for All Large Transfers?
Nope, but if you’re sending more than ₦100,000 or need extra security, the token is required. For amounts under ₦100,000, it’s not necessary.
How Long Does the Limit Increase Take?
For personal limits, it’s instant once you activate your token. For business accounts, it can take a few days, especially if you’re dealing with higher amounts.
What if my transfer limit isn’t increasing despite following the steps?
Don’t worry! First, check if your token is activated in the app settings. Make sure you’re using the correct token or PIN. If it still isn’t working, try logging out and back into the app. You can also reach out to GTConnect at 0700 4826 66328 for support.
Are there any transfer fees?
Yes, there are some small fees:
- ₦10.50 for transfers within GTBank
- ₦26.25 for interbank transfers (including VAT)
- Some bill payments or top-ups may incur no charges, depending on the service
For bulk transfers, I recommend consolidating your transactions to minimize fees.
Can I increase my limit for special needs, like large payroll payments?
For transfers over ₦5 million, you’ll need to visit a GTBank branch and submit a formal request. This can take up to 48 hours to process, but it’s perfect for payrolls or contractor payments.
Final Thoughts: Don’t Let GTBank’s Limits Hold You Back
I get it—dealing with transfer limits can be a major headache, especially when you’ve got things to pay and people to settle. Whether it’s bills, vendors, or even tuition fees, being blocked by a limit can throw off your plans at the worst time.
But once you unlock the power of the GTBank mobile app and the 737 USSD system, you’ll see just how easy it is to take control of your transfers. It’s all about setting up your hardware or soft token and knowing when to visit the bank if you need higher limits.
You don’t have to stress over these transfer limits anymore. Now, when it’s time to send large amounts, you can do it smoothly and securely—without the usual roadblocks.
Got more questions or still need help setting things up? Drop a comment below or reach out to me directly—I’m here to guide you through it. I’ve been there, and I’m happy to help you get everything sorted!
Disclaimer: The information provided in this guide is intended for general informational purposes only. While I’ve shared my personal experiences and insights, the banking processes, transfer limits, and fees mentioned are subject to change by GTBank. I recommend checking directly with GTBank or visiting their official website for the most up-to-date information regarding transfer limits, fees, and related procedures.
Always exercise caution when performing transactions, and be sure to verify any specific details with GTBank’s official channels to ensure accuracy.
