How to Generate GTBank Token Code Without Debit Card (2 Best Methods)

A token code, also known as a one-time password (OTP), is one of the security techniques deployed by banks to secure online banking transactions. This article aims at showing you how to generate GTBank token code without debit card.

The value of the OTP code is found in its capacity to safeguard customer transactions and prevent fraud. It adds another degree of protection to ensure that only the authorized user can access their account and complete transactions by creating a different token code for each transaction. The token code is valid for only one transaction and expires after a short period of time. This helps defend against identity theft, online fraud, and other fraudulent activities that can target bank accounts. In today’s digital world, where cyber risks are common, the use of a token code is becoming more and more crucial.

How to Generate GTBank Token Code Without Debit Card

How to Generate GTBank Token Code Without Debit Card

As a GTBank customer, there are two methods that you can use to get token code for transaction authentication, even without a debit card.

The methods are:

How To Get 737 Token Code

To generate GTBank token using 737 shortcode, dial *737*7# on the phone number linked to your GTBank account and enter your 737 pin. Your token will be displayed afterward.

Note that this method of generating a token code is only available if you have previously registered for GTBank’s 737 banking service.

Also Read:

GTWorld VS GTBank App – Which is better?

Is Kuda ATM Card Free? (How to Get Yours in Simple Steps)

How to Retrieve Remita Receipt Without RRR (3 Easy Methods)

How to use GT eToken App to Generate Token without Debit Card

GT eToken is an application that serves as a digital alternative to the physical or hardware token provided by GTBank. This implies that it can be used in place of the hardware token for authentication of transactions.

To generate OTP using GT eToken Application, download the app from Play Store or iOS Store. After installation, you have to activate the app.

How to activate GT eToken without debit card

To activate GT eToken app, get your GTBank account information ready and follow these steps:

  1. Open the app and select your customer type, which in most cases is “Individual” and click “continue”
    How to activate GT eToken
  2. On the activation method screen, select “Authorization via GTConnect” and select “NEW USER”, as that is the option that allows you to activate the app without ATM card
    Select Authorization via GTConnect
  3. On the “Authorization Code” screen, enter any of the following; account number, online banking user ID, your registered phone line, or email. Then click on “Get Code”
    Enter your account information and click on get code
  4. Your phone dialer will open automatically with GTConnect phone line loaded, dial the number and follow the prompts to get the activation code.
  5. When you have gotten the activation code, go back to the app, enter the authorization code and tap “ACTIVATE”. Your GT eToken will now be activated. You will now create pin for the app
    enter authorization code and click on activate
  6. Click on “Create Pin”, enter the four-digit pin you will be using for the GT eToken app only and confirm it.
    create pin
  7. Tap “Terms and Conditions”, scroll through to the end and tap “I Agree”.
    Finally, click on “Create PIN”.
    How to Generate GTBank Token Code Without Debit Card (2 Best Methods)

Congrats, your GT eToken is fully activated and ready to use. Whenever you need a token for your transactions, open the app and tap “Generate OTP” and OTP will be generated.
click generate otp


In conclusion, generating a GTBank OTP without a debit card is a relatively straightforward process that can be completed using a few simple methods and steps already described in this article. It is important to note that customers must ensure that they have an active internet connection and have downloaded the latest version of the app to ensure a smooth process.

Hope this article really helped on your quest on how to generate GTBank token code without debit card.

Thanks for stopping by.