How to Use GTBank Mobile App Without ATM Card (Easy Guide)

In today’s fast-paced world, mobile banking has become an essential tool for conveniently managing personal finances. Guaranty Trust Bank (GTBank) offers a user-friendly mobile app that allows customers to access banking services on the go. But what if you don’t have your ATM card with you? Can you still use the GTBank mobile app without it? The answer is yes! In this comprehensive guide, we will walk you through the process of how to use GTBank mobile app without ATM card, providing you with valuable insights and expert tips to ensure a smooth experience.

How to Use GTBank Mobile app Without ATM Card

How to Use GTBank Mobile App Without ATM Card

Using the GTBank mobile app; GTWorld, without an ATM card, is a straightforward process that involves a few simple steps. You can check out our post on GTWorld VS GTBank App to know why GTWorld app is the best for your daily online banking needs.

Let’s dive into the details:

Step 1: Download the GTWorld Mobile App

Before you can start using the GTWorld app, you need to download it on your smartphone. Follow these steps:

  1. Open the App Store (for iOS users) or Google Play Store (for Android users) on your smartphone.
  2. Search for “GTWorld” in the search bar.
  3. Locate the official GTWorld and tap on “Download” or “Install.”

Step 2: Launch the App and Register

Note: Skip this step if you have previously registered for online banking

Once the app is successfully downloaded, launch it and proceed with the registration process. Since you don’t have an ATM card, GTBank provides two options; OTP and Token, which you can use to register without an ATM card. The two methods aim at securing your account by ensuring that the owner of the GTBank account is the one trying to create online banking credentials.

To sign up for GTBank online banking with Token on GTWorld app:

  1. Open the GTWorld app on your smartphone.
  2. Click on “Sign in to GTWorld”
  3. Click on “Sign Up”
    Click sign up
  4. Click on “Get Online Banking Details”
  5. Switch to token tab
  6. Enter your account number
  7. Generate token code with your hardware token
  8. Enter the generated token and click on “submit”
    Enter your account number and token code
  9. Follow the prompts and complete your registration.

Upon successful registration, your online banking logins will be sent to your registered email address.

If you don’t have GTBank Hardware Token, you can register with the OTP method. Follow the steps below.

To sign up for GTBank online banking with OTP on GTWorld app, follow step 1 to 4 above then continue below:

  1. Switch to OTP tab
    Fill in your bankdetails and click on submit
  2. Enter account number and date of birth
  3. Create and confirm the transaction pin you would be using on the GTWorld app alone
  4. Click on “Get OTP”
  5. Enter the OTP that will be sent to your registered phone number
  6. Click on “submit”

Once you have successfully registered, your password and ID will be sent to your registered email address. Proceed with the steps below to login.

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Step 3: Login to Your GTWorld App

Follow the steps below to learn how to log in to GTBank mobile app and activate your device without the need for an ATM card.

  1. Open the GTWorld mobile app on your smartphone.
  2. Enter your registered email address, your user ID or phone number and password.
  3. Click on the “Login”
  4. Click “Yes, Authorize this device”
    Log in and authourize your device
  5. Click on “Continue with Token”
  6. Dial *737*7# and follow the prompts to generate token code
  7. Enter the token generated and Click “Continue”
How to Use GTBank Mobile App Without ATM Card (Easy Guide)

Your mobile device will now be successfully linked to your profile.

The first thing you should do is to change the default password that was generated during your online banking account creation. Follow the steps below:

Step 4: Change Your Default Online Banking Password

To change your GTBank online banking password, follow the steps below:

  1. Log into your GTWorld app
  2. Click on the menu at top left corner
  3. Select “settings” from the options
  4. Select “Change Password”
  5. Enter the old password
  6. Enter a new password and confirm it
  7. Click on continue
  8. Dial *737*7# to generate a token
  9. Enter the token and click Done

Your password will now be changed.

Step 5: Access Banking Services

Now that you are logged in to your GTBank account, you can access a wide range of banking services directly from the mobile app. Here are some of the key features and functionalities available:

Balance Inquiry

To check your account balance:

  1. From the app’s home screen, select the “Account Balance” or “Balance Inquiry” option.
  2. Choose the account you want to check (e.g., Savings, Current, or Domiciliary).
  3. Your current account balance will be displayed on the screen.

Fund Transfers

To send money to another GTBank account or any other bank in Nigeria:

  1. Select the “Transfer” or “Send Money” option on the home screen.
  2. Choose the type of transfer you wish to make (e.g., GTBank to GTBank or GTBank to Other Banks).
  3. Enter the recipient’s account details and the amount to transfer.
  4. Confirm the transaction details and authorize the transfer

Bill Payments

To pay bills directly from your GTBank account:

  1. Locate the “Bills Payment” or “Pay Bills” option on the app’s home screen.
  2. Select the bill category (e.g., Electricity, Water, Cable TV, Internet).
  3. Enter the required details, such as the biller name, customer ID, and amount.
  4. Review the transaction details and authorize the payment.

Airtime and Data Top-up

To recharge your phone or buy data bundles:

  1. Tap on the “Airtime & Data” or “Recharge” option.
  2. Enter your phone number and select the desired network provider.
  3. Choose the amount or data bundle you want to purchase.
  4. Confirm the transaction details and complete the recharge.

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Limitations of Using GTBank Mobile App Without ATM Card

When using the GTBank mobile app without an ATM card, there are a couple of limitations that users should be aware of. These limitations can affect the transaction capabilities and security of the app. Let’s take a closer look at the two main limitations:

1. Maximum Transaction Limit

One of the limitations of using the GTBank mobile app without an ATM card is the maximum transaction limit. Currently, the maximum transaction limit per day is set at 100,000 Naira. This means that users can only perform transactions up to this amount within a 24-hour period.

It’s important to keep this limit in mind, especially when conducting larger transactions. If you need to perform transactions exceeding the maximum limit, alternative methods such as visiting a GTBank branch may be necessary.

2. Token Generation for Transactions

Another limitation when using the GTBank mobile app without an ATM card is the requirement to generate a token for each transaction. Tokens serve as an additional layer of security to authenticate and authorize transactions made through the app.

Considering these limitations, it is best to try and get an ATM card, so that you can switch to Pin or Biometric authentication, which are more convenient.

Frequently Asked Questions (FAQs)

Q1: How to Switch from Token to Pin or Biometric Authentication on GTWorld?

If you have chosen token code authentication on GTWorld app, maybe because you didn’t have an ATM card during Device authorization. You might have gotten an ATM card and wish to switch to a more convenient authentication method for your transactions, follow the steps below

  1. Log in to your GTWorld app
  2. Click on the menu icon in the top left corner and select “Authentication Methods”
  3. Choose either Pin or Biometrics
  4. Follow the prompts to complete the change of authentication method

Q2: Can I use the GTBank mobile app without having an account with GTBank?

No, the GTBank mobile app is exclusively designed for GTBank account holders. To access its features and services, you need to have an active GTBank account.

Q3: Can I use the GTBank mobile app without an internet connection?

No, a stable internet connection is required to use the GTBank mobile app effectively. Ensure you have an active data plan or access to Wi-Fi before launching the app.

Q4: What should I do if I forget my GTBank mobile app password?

A: If you forget your password, you can reset it by following these steps:

  1. Open the GTBank mobile app on your smartphone.
  2. Click on the “Forgot Password” or “Reset Password” option on the login screen.
  3. Follow the instructions provided to reset your password using your registered email address or phone number.

Q5: Is it safe to use the GTBank mobile app for transactions?

Yes, the GTBank mobile app employs advanced security measures to protect your transactions and personal information. Additionally, enabling biometric authentication adds an extra layer of security.

Q6: Can I use the GTBank mobile app outside Nigeria?

Yes, the GTBank mobile app can be used internationally. However, certain services and features may be limited or unavailable depending on your location.

Q7: Are there any charges for using the GTBank mobile app?

GTBank does not charge any fees for using their mobile app. However, regular transaction fees may apply based on the type of transaction you perform, such as transfers or bill payments.


With the GTWorld app, you can conveniently access various banking services without the need for an ATM card. By following the simple steps outlined in this guide, you can easily set up and navigate the app, making your banking experience hassle-free.

Remember to enable biometric or pin authentication when you must have gotten an ATM card for enhanced security and explore the app’s features, such as balance inquiries, fund transfers, bill payments, and airtime/data top-ups. Embrace the power of mobile banking and enjoy the convenience it offers.