Home›Guaranty Trust Bank (GTBank)

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 app. 2 minute loan approval. No maintenance fee for salary account.

Na the sharpest bank for digital matter. The app na the best one. Instant loan through *737#. Na the bank wey tech people for Lagos dey use.

ABOUT Guaranty Trust Bank (GTBank)

Bank profile · we don verify am

Guaranty Trust Bank (GTBank) na Commercial bank (CBN license, NDIC dey insure am) wey dem start for 1990 (36 years ago), and na Guaranty Trust Holding Co (GTCO) dey operate am. For 2026 e dey serve about 30M+ customers through 232 branch nationwide.

Dem start am: 1990 · 36 years dey serve Nigerians
Owner company: Guaranty Trust Holding Co (GTCO)
Customer base: 30M+
Branch for Nigeria: 232
Bank type: Commercial bank (CBN license, NDIC dey insure am)
Website: gtbank.com

HEAD OFFICE

Guaranty Trust Bank (GTBank) headquarters

Address: Plot 635 Akin Adesola Street, Victoria Island, Lagos, Lagos

See am for OpenStreetMap →Get direction →

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 YEARLY COST

at typical use

If you dey do 20 transfer, 4 other-bank ATM visit, and 30 SMS alert every month:

GTB₦3,840/year

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

Compare with all 23 bank →

HOW TO OPEN ACCOUNT

Time to open: 10 minute · Online through app

Bank Verification Number (BVN)
Compulsory for all Nigerian bank account. Get one for any bank branch free.
Valid ID
National ID (NIN), International Passport, Voter Card, or Driver Licence.
Passport photograph
Recent passport-size photo. The mobile app fit accept live selfie instead.
Utility bill
Address verification. Electricity bill, water bill, or tenancy agreement (last 3 months).
Minimum opening balance
₦0 for savings account. ₦5,000-₦10,000 for current account.

UNIQUE FEATURES

*737# USSD Banking

Transfer money, buy airtime, pay bill — from any phone without internet. 200M+ transaction every month.

Quick Credit

Instant loan reach ₦5M — dem approve am in 2 minutes through the app. No collateral, no paperwork.

GTPay

Online payment gateway for business. Accept card payment for any website. E dey power plenty Nigerian e-commerce.

Habari

GTBank digital entertainment platform — music, video, games, and lifestyle content wey dem bundle with banking.

LAGOS BRANCHES · SORT CODES

4 branches

Branch	Area	Sort code
GTBank Ikeja Mobolaji Bank Anthony Way	Ikeja	058-152036
GTBank Lekki Admiralty Way, Lekki Phase 1	Lekki	058-152048
GTBank Surulere Adeniran Ogunsanya St	Surulere	058-152055
GTBank Victoria Island Plot 1, Ozumba Mbadiwe Ave	Victoria Island	058-152021

APP RATINGS & CONTACT

iOS rating

4.8 / 5

Android rating

4.6 / 5

Lagos branches

Lagos ATMs

300

gtbank.com →

QUESTIONS PEOPLE DEY ASK PASS

Answer about Guaranty Trust Bank (GTBank)

Wetin be Guaranty Trust Bank (GTBank) USSD code?

Guaranty Trust Bank (GTBank) USSD banking code na *737#. Dial am from any phone wey link with your account to transfer money, check balance, buy airtime, or pay bills — no data or app need.

Wetin be Guaranty Trust Bank (GTBank) SWIFT / BIC code?

Guaranty Trust Bank (GTBank) SWIFT/BIC code na GTBINGLA. Use am when you dey collect international wire transfer to your Guaranty Trust Bank (GTBank) account.

Wetin be Guaranty Trust Bank (GTBank) transfer charges?

bankingDetail.faqTransferA

Wetin be Guaranty Trust Bank (GTBank) savings account interest rate?

Guaranty Trust Bank (GTBank) dey pay 1.5%–4% per year on savings account balance (as of 2026). Real rate depend on balance tier and account type.

Wetin be Guaranty Trust Bank (GTBank) fixed deposit rate?

Guaranty Trust Bank (GTBank) dey offer 14%–22% on fixed deposit, e depend on tenor (30, 60, 90, 180 or 365 days). Higher amount and longer tenor go earn better rate.

Where Guaranty Trust Bank (GTBank) head office dey?

Guaranty Trust Bank (GTBank) headquarters dey at Plot 635 Akin Adesola Street, Victoria Island, Lagos, Lagos, Nigeria.

NDIC dey insure Guaranty Trust Bank (GTBank)?

Yes. Deposit for Guaranty Trust Bank (GTBank) dey insured by Nigeria Deposit Insurance Corporation (NDIC) up to ₦5,000,000 per depositor per bank.

How I fit contact Guaranty Trust Bank (GTBank) customer service?

Website: gtbank.com. Phone: —. Head office visit: Victoria Island, Lagos.

COMPARE WITH OTHERS

Feature	GTB	Kuda	Zenith
SMS fee	₦4	FREE	₦6
Transfer ₦5K-₦50K	₦10	₦10	₦10
Savings rate	4%	12%	4%
NDIC	₦5M	₦2M	₦5M
App rating	4.8/5	4.5/5	4.5/5
Yearly cost	₦3,840	₦2,400	₦4,560

SWIFT CODE

GTBINGLA

For international transfer — see which remittance platform dey give the most naira.

SAVINGS vs STOCKS

4% vs NGX +55% YTD

Where ₦1M dey grow faster — savings or NGX stock?

IN RICE BAGS

₦3,840 = 0.1 bags rice

Yearly banking charge for Lagos market term.

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