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BANKING · QUARTERLYas of 2026-07-28

Guaranty Trust Bank (GTBank): USSD Code, Transfer Charges, SWIFT Code & Rates

Commercial bank · GTB · 80 Lagos branches · ₦5M NDIC coverage

AT A GLANCE
SWIFT
GTBINGLA
USSD
*737#
Savings rate
1.5–4%
Fixed deposit
14–22%
WHY THIS BANK

Best mobile app. 2-minute loan approvals. Zero maintenance fees on salary accounts.

Nigeria's most digitally advanced traditional bank. The mobile app is consistently rated highest. Instant loans via *737#. The bank of choice for Lagos tech professionals.

ABOUT Guaranty Trust Bank (GTBank)
Bank profile · verified

Guaranty Trust Bank (GTBank) is a Commercial bank (CBN-licensed, NDIC-insured) founded in 1990 (36 years ago), operated by Guaranty Trust Holding Co (GTCO). As of 2026 it serves approximately 30M+ customers through 232 branches nationwide.

Founded
1990 · 36 years serving Nigerians
Parent company
Guaranty Trust Holding Co (GTCO)
Customer base
30M+
Branches nationwide
232
Bank type
Commercial bank (CBN-licensed, NDIC-insured)
Website
gtbank.com
HEAD OFFICE
Guaranty Trust Bank (GTBank) headquarters
Address
Plot 635 Akin Adesola Street, Victoria Island, Lagos, Lagos
View on OpenStreetMap →Get directions →
CHARGES
CBN-regulated · effective May 2026
Transfer <₦5,000
FREE
Transfer ₦5,000–₦50,000
₦10
Transfer >₦50,000
₦50
SMS alert
₦4 / SMS
Email alert
FREE
ATM card issuance
₦1,500
ATM card maintenance· scrapped May 2026
FREE
Virtual card
FREE
Current acct maintenance· ₦0 from 2027
₦0.5/₦1,000
Hardware token
₦2,500
Min opening balance
₦0
NDIC coverage
₦5M NDIC coverage
TRUE ANNUAL COST
at typical usage

If you make 20 transfers, 4 other-bank ATM visits, and 30 SMS alerts per month:

GTB₦3,840/year

₦1,440 more than Kuda (₦2,400/yr). That's 0 bags of rice.

Compare with all 23 banks →
HOW TO OPEN AN ACCOUNT

Time to open: 10 minutes · Online via app

UNIQUE FEATURES
*737# USSD Banking

Transfer money, buy airtime, pay bills — all from any phone without internet. 200M+ transactions monthly.

Quick Credit

Instant loans up to ₦5M approved in 2 minutes via the GTBank mobile app. No collateral, no paperwork.

GTPay

Online payment gateway for businesses. Accept card payments on any website. Powers a large share of Nigerian e-commerce.

Habari

GTBank's digital entertainment platform — music, video, games, and lifestyle content bundled with banking.

LAGOS BRANCHES · SORT CODES
4 branches
BranchAreaSort code
GTBank Ikeja
Mobolaji Bank Anthony Way
Ikeja058-152036
GTBank Lekki
Admiralty Way, Lekki Phase 1
Lekki058-152048
GTBank Surulere
Adeniran Ogunsanya St
Surulere058-152055
GTBank Victoria Island
Plot 1, Ozumba Mbadiwe Ave
Victoria Island058-152021
APP RATINGS & CONTACT
iOS rating
4.8 / 5
Android rating
4.6 / 5
Lagos branches
80
Lagos ATMs
300
gtbank.com →
FREQUENTLY ASKED QUESTIONS
Answers about Guaranty Trust Bank (GTBank)
What is Guaranty Trust Bank (GTBank)'s USSD code?
Guaranty Trust Bank (GTBank)'s USSD banking code is *737#. Dial it from any phone linked to your account to transfer money, check your balance, buy airtime, or pay bills — no data or app needed.
What is Guaranty Trust Bank (GTBank)'s SWIFT / BIC code?
Guaranty Trust Bank (GTBank)'s SWIFT/BIC code is GTBINGLA. Use this code when receiving international wire transfers into your Guaranty Trust Bank (GTBank) account.
What are Guaranty Trust Bank (GTBank)'s transfer charges?
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What is Guaranty Trust Bank (GTBank)'s savings account interest rate?
Guaranty Trust Bank (GTBank) pays 1.5%–4% per year on savings account balances (as of 2026). Actual rate depends on balance tier and account type.
What is Guaranty Trust Bank (GTBank)'s fixed deposit rate?
Guaranty Trust Bank (GTBank) offers 14%–22% on fixed deposits, depending on tenor (30, 60, 90, 180 or 365 days). Higher amounts and longer tenors earn the better rates.
Where is Guaranty Trust Bank (GTBank)'s head office located?
Guaranty Trust Bank (GTBank)'s headquarters is at Plot 635 Akin Adesola Street, Victoria Island, Lagos, Lagos, Nigeria.
Is Guaranty Trust Bank (GTBank) NDIC-insured?
Yes. Deposits at Guaranty Trust Bank (GTBank) are insured by the Nigeria Deposit Insurance Corporation (NDIC) up to ₦5,000,000 per depositor per bank.
How can I contact Guaranty Trust Bank (GTBank) customer service?
Website: gtbank.com. Phone: —. Head office visits: Victoria Island, Lagos.
COMPARE WITH OTHERS
FeatureGTBKudaZenith
SMS fee₦4FREE₦6
Transfer ₦5K-₦50K₦10₦10₦10
Savings rate4%12%4%
NDIC₦5M₦2M₦5M
App rating (iOS)4.8/54.5/54.5/5
Yearly cost₦3,840₦2,400₦4,560
RELATED
SWIFT CODE
GTBINGLA

For international transfers — see which remittance platform delivers the most naira.

SAVINGS vs STOCKS
4% vs NGX +55% YTD

Where does your ₦1M grow faster — savings or NGX stocks?

IN RICE BAGS
₦3,840 = 0.1 bags of rice

Annual banking charges in Lagos market terms.

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