How to Transfer from GTBank to Kuda and Other Nigerian Banks

Moving money between a traditional bank like GTBank and a fintech like Kuda is something most Nigerians do weekly. It runs on the same NIBSS instant-transfer rails, so it is fast — when it works. Here is how to do it cleanly and what to do when it fails.

From the GTBank app or *737#

• App: Transfers → Other Banks → pick Kuda (or OPay, Moniepoint) → enter the 10-digit account → confirm the name that appears → authorise.
• USSD: dial *737*2*Amount*NUBAN# and follow the prompts — handy when data is poor.
• Always confirm the beneficiary name matches before you send; a transfer to the wrong number is hard to reverse.

Limits and charges

Daily limits depend on your tier and whether you have upgraded KYC. Nigeria’s transfer levy applies to transfers above the threshold, plus the usual small electronic-transfer fee. The mechanics are the same for any bank-to-bank move — see transferring between Nigerian banks for the full picture.

When a transfer fails or hangs

• Money debited but not received usually auto-reverses within minutes to 24 hours; keep the reference.
• If it does not reverse, raise a dispute with GTBank quoting the session ID.
• For recurring issues, a fintech or agent account can be a more reliable day-to-day wallet.