GTBank has launched the 737 App, a new banking app built for young Nigerians that uses your phone number as your account number. GTBank announced it on Nov. 11, 2026, and says the GTBank 737 App is on the Google Play Store and the Apple App Store now, for new and existing customers.
The short version
GTBank’s new 737 App is a separate, youth-focused banking app. It turns your phone number into your account number and adds a free virtual card for paying on international sites, but GTBank has not yet published the loan rates or card limits.
- GTBank announced the 737 App on Nov. 11, 2026, for new and existing customers.
- Your phone number becomes your account number, so you do not need to memorize a 10-digit number to receive money.
- It comes with a free virtual Naira Mastercard that GTBank says works on sites such as Amazon, Netflix, Spotify and AliExpress.
- It also has Scan to Pay, savings tools, instant loans and airtime, data and bill payments.
- The downside: GTBank’s announcement does not list loan amounts, interest rates or how much you can spend abroad on the card, so check those inside the app first.
What the GTBank 737 App does
According to GTBank’s launch announcement, the app is built around five things:
- Your phone number as your account number. GTBank says this makes your account details “easier to remember and share.”
- A free virtual Naira Mastercard. A virtual card lives in the app instead of your wallet. GTBank says it works for online payments on international platforms such as Amazon, Netflix, Spotify and AliExpress.
- Scan to Pay. You scan a code to send money instead of typing an account number.
- Savings tools for putting money aside toward a goal.
- Instant loans, plus airtime, data and utility bill payments.
GTBank’s managing director, Miriam Olusanya, said in the announcement: “The 737 App reflects this commitment, bringing together the convenience, speed and accessibility they expect, while providing the tools to support their financial aspirations and plan for the future.”
Is this the same as *737#?
Not quite. *737# is GTBank’s USSD banking code, the one you dial on any phone without data. It already lets people open an account by dialing *737*0#. On GTBank’s *737# fee list, a USSD transfer costs ₦20 to another GTBank account and ₦80 to another bank.
The new 737 App is a smartphone app that carries the same name. GTBank’s announcement does not say whether the app charges the same transfer fees as the USSD code, so do not assume it does.
In plain terms: if you are a student or young worker who already pays for things with a fintech app, GTBank now wants to be that app. The phone-number account and the free virtual card are the two features most likely to matter day to day, because they make it easier to get paid and to pay for subscriptions online.
What GTBank has not said yet about the 737 App
The launch announcement leaves out the numbers you need before you trust a new money app with real spending. Check these inside the app or with GTBank before you rely on it:
- Loan terms. How much you can borrow, the interest rate, and what happens if you pay late. “Instant” tells you the speed, not the cost.
- Card limits and rates. How much you can spend in dollars or other currencies each month on the virtual card, and which exchange rate GTBank uses. A free card can still cost you through the rate.
- Transfer fees in the app. Whether app transfers cost the same as *737# USSD transfers, less, or nothing.
- Account limits. Whether a new account opened only through the app has a lower balance or daily transfer limit until you finish your BVN or ID checks.
How to make sure you download the real app
New bank apps attract copycats fast. On the Google Play Store, the real app’s developer is listed as Guaranty Trust Bank. Before you install anything called “737,” tap the developer name and check that it says Guaranty Trust Bank, and do not download banking apps from links sent on WhatsApp or by text.
Also remember that when your phone number is your account number, anyone you give it to to send you money also has your number. Keep your SIM safe with a SIM PIN, and if your phone or card goes missing, our guide on how to block a lost ATM card without going to the bank walks you through the steps. For a wider refresher, see how to spot online scams.
If you mainly want to pay for subscriptions online, also check our list of the bank cards that work with Google Pay in Nigeria.
