USER GUIDE
LEARN HOW TO
USE YOUR
MOBILE PHONE
TO SEND AND
RECEIVE
MONEY
VERSION 3.0
TABLE OF CONTENTS
1
WHAT IS GTMOBILE MONEY?
2
GETTING STARTED
3
FUNDING YOUR ACCOUNT
4
LINKING YOUR BANK ACCOUNT
5
TRANSFERRING MONEY
6
RECEIVING MONEY
7
WITHDRAWING MONEY
8
SECURITY
9
APPENDIX
TABLE OF CONTENTS
1
WHAT IS GTMOBILE MONEY?
2
GETTING STARTED
3
FUNDING YOUR ACCOUNT
4
LINKING YOUR BANK ACCOUNT
5
TRANSFERRING MONEY
6
RECEIVING MONEY
7
WITHDRAWING MONEY
8
SECURITY
9
APPENDIX
WHAT IS GTMOBILE
MONEY?
GTMOBILE MONEY is a Fast, Secure and
Convenient way to transfer FUNDS using a
Mobile Phone…
GTMOBILE MONEY can also be used for:
 Bill Payments
 Shopping
 Airtime Purchase
1
WHAT IS GTMOBILE MONEY?
WHO CAN USE
GTMOBILE MONEY?
GTMOBILE MONEY can be used by anyone
with a mobile phone. Your Mobile Number is also
your Account Number and it is also a required
parameter when logging into your account.
PHONE
NUMBER
1
=
GTMM
ACCOUNT
NUMBER
WHAT IS GTMOBILE MONEY?
WHAT IS A WALLET?
The GTMOBILE MONEY ACCOUNT has
several pockets:
 The permanent default pocket is called
the Mobile Money Wallet or “WALLET”
for short.
 A Bank Account Pocket can also exist.
This is the linkage to your GTBank
Account.
 Other special products may be
deployed as Pockets such as:
 “TARGET SAVINGS”
 “CREDIT CARD”
 “LOYALTY POINTS”
 “FUEL PAYMENTS”
1
WHAT IS GTMOBILE MONEY?
HOW DO I FUND AND
WITHDRAW FROM MY
ACCOUNT?
Your WALLET can be funded via any Bank
Account – YES, even from other Banks by using
your Debit Card to effect a transfer through the
ATM or Internet.
You can also walk into any GTBank Branch to fill
a Transfer Form.
Funds can be withdrawn from the WALLET via
any GTBank ATM without using an ATM Card.
NOTE:
Funding and Withdrawals can only be done from the
default pocket of the GTMobile Money Account which is
referred to as the WALLET.
1
WHAT IS GTMOBILE MONEY?
WHAT ABOUT
SECURITY?
Your GTMOBILE MONEY WALLET is
highly secure;
Your phone number is your account number
Transactions are secured with your password
(or PIN)
Confirmation SMS is sent to your phone
number for every transaction
Transaction details are not stored on the
phone so funds are safe even when the phone is
stolen
All CBN Security guidelines have been
implemented.
NOTE:
Do not disclose your PIN to anyone. It is your PIN that
gives you secure access to your WALLET.
1
WHAT IS GTMOBILE MONEY?
POP QUIZ
PHONE
NUMBER
=
GTMM
ACCOUNT
NUMBER
=
WALLET
FROM A FUNDING AND WITHDRAWAL
PESPECTIVE CAN YOU CONFIRM
WHETHER THE STATEMENT ABOVE IS
TRUE OR FALSE BY CLICKING ANY OF THE
BUTTONS BELOW:
TRUE
1
FALSE
WHAT IS GTMOBILE MONEY?
CONGRATULATIONS!!
PHONE
NUMBER
=
GTMM
ACCOUNT
NUMBER
=
WALLET
This statement is absolutely correct for
funding and withdrawals, because as
mentioned earlier, the default pocket is the
only one enabled for this type of transactions
You have successfully completed CHAPTER 1
of the GTMOBILE MONEY USER GUIDE .
Watch out for CHAPTER 2 where we teach you
how to get the GTMobile Money Application unto
your Phone.
1
WHAT IS GTMOBILE MONEY?
TABLE OF CONTENTS
1
WHAT IS GTMOBILE MONEY?
2
GETTING STARTED
3
FUNDING YOUR ACCOUNT
4
LINKING YOUR BANK ACCOUNT
5
TRANSFERRING MONEY
6
RECEIVING MONEY
7
WITHDRAWING MONEY
8
SECURITY
9
APPENDIX
GETTING STARTED
In order to use GTMOBILE MONEY there are
3 easy steps:
2
1.
DOWNLOAD (GET) THE APPLICATION
2.
REGISTER YOUR PERSONAL DETAILS
3.
ACTIVATE YOUR ACCOUNT
GETTING STARTED
HOW TO GET THE
APPLICATION
Before you get the GTMOBILE MONEY App
you must be able to determine which format is
suitable for your Mobile Phone…
GTMOBILE MONEY is available in three (3)
major formats:
1.
Smart Phone Application
2.
SIM Toolkit
3.
USSD*
With these three formats, GTMOBILE MONEY
is available to you regardless of the type or
model of phone you are using.
* Unstructured Supplementary Service Data
2
GETTING STARTED
FORMAT #1
The SMARTPHONE Application is available for
DOWNLOAD on Android, Blackberry, iPhone
and Java enabled Phones.
2
GETTING STARTED
HOW TO DOWNLOAD
THE APPLICATION
The SMART PHONE Application has to be
downloaded from your phone browser.
First of all ensure that you have internet access
on your smart phone.
NOTE:
If you don’t have Internet access, please contact your
network provider for guidelines to enable you browse on
your phone.
2
GETTING STARTED
BROWSE TO ANY OF THE
LISTED LOCATIONS:
For Blackberry App:
BB – OS5
http://bit.ly/GTBankBB5
BB - OS6 & 7 etc
http://bit.ly/GTBankBB6
For Java App (Nokia, LG, etc):
http://bit.ly/GTBankJAR
For Android App:
http://bit.ly/GTBankANDROID
For iPhone App:
COMING SOON
NOTE:
The URL’s are case-sensitive These are also temporary
locations as ALL the applications will soon be available in
respective native app stores like: Google Play, Nokia App
Store, Apple App Store and Blackberry App World.
2
GETTING STARTED
CHECK FOR THE GTBANK ICON
IN YOUR PHONE MENU AFTER
DOWNLOADING
2
GETTING STARTED
NOW YOU CAN LAUNCH THE
APPLICATION BY CLICKING ON
THE ICON
2
GETTING STARTED
CONGRATULATIONS! YOU HAVE
LAUNCHED YOUR SMART PHONE
APPLICATION
2
GETTING STARTED
CONGRATULATIONS! YOU HAVE
LAUNCHED YOUR SMART PHONE
APPLICATION
NOTE:
Now that you have launched your SMART PHONE
application, the next step is to register and activate your
account.
2
GETTING STARTED
REGISTRATION USING THE
SMARTPHONE APP
By clicking the SIGNUP button shown on the
screen, you will reveal the REGISTRATION page
2
GETTING STARTED
ENTER YOUR PERSONAL
DETAILS
NOTE:
Please use the Navigational buttons built into the smart
phone app to move between screens.
2
GETTING STARTED
ENTER YOUR PERSONAL
DETAILS
NOTE:
Please use the Navigational buttons built into the smart
phone app to move between screens.
2
GETTING STARTED
CONFIRM YOUR
PERSONAL DETAILS
BEFORE YOU SUBMIT
NOTE:
Please use the Navigational buttons built into the smart
phone app to move between screens.
2
GETTING STARTED
CONFIRM YOUR
PERSONAL DETAILS
BEFORE YOU SUBMIT
After submission of details, a six-digit
ACTIVATION CODE is sent to you which will be
used to activate your account.
2
GETTING STARTED
CONGRATULATIONS!!
NOTE:
You have successfully registered for GTMOBILE
MONEY, however, to begin to use the service, you
MUST ACTIVATE your account.
2
GETTING STARTED
ACTIVATING YOUR
ACCOUNT USING A
SMARTPHONE
To begin the process click on the NEW USER
ACTIVATION button.
2
GETTING STARTED
ACTIVATING YOUR
ACCOUNT USING A
SMARTPHONE
Note that your six-digit ACTIVATION CODE is
automatically populated in the “one time
password” field.
2
GETTING STARTED
ACTIVATING YOUR
ACCOUNT USING A
SMARTPHONE
Input your MOBILE NUMBER then click
“continue”
2
GETTING STARTED
ACTIVATING YOUR
ACCOUNT USING A
SMARTPHONE
Create a 4-Digit PIN then click “continue”
2
GETTING STARTED
ACTIVATING YOUR
ACCOUNT USING A
SMARTPHONE
Accept the TERMS AND CONDITIONS by
clicking “ok”
2
GETTING STARTED
ACTIVATING YOUR
ACCOUNT USING A
SMARTPHONE
After accepting the Terms and Conditions, you
will receive a message confirming that your
account has been activated
2
GETTING STARTED
ACTIVATING YOUR
ACCOUNT USING A
SMARTPHONE
You can now click on “exit” button as your
account has been activated.
2
GETTING STARTED
NOW LET US TAKE A
LOOK AT FORMAT #2
The SIM TOOLKIT Application is available only
on ETISALAT SIM cards at the moment and it
works with ALL phone types..
2
GETTING STARTED
THE FIRST STEP IS TO
LOCATE THE SIM
TOOLKIT ICON
The SIM TOOLKIT ICON is on the phone menu.
It is either labeled by the network name
“ETISALAT” or as “SIM TOOLKIT”
2
GETTING STARTED
STEP TWO
Select MOBILE MONEY in the displayed Sim
Toolkit MENU. This will display a list of Mobile
Money Schemes Operators including GTBank
2
GETTING STARTED
STEP THREE
Click GTBANK from the list to make it your
default Mobile Money Menu
2
GETTING STARTED
CONGRATULATIONS YOU NOW
HAVE THE GTMOBILE MONEY
MENU ON YOUR SIM TOOLKIT
2
GETTING STARTED
CONGRATULATIONS YOU NOW
HAVE THE GTMOBILE MONEY
MENU ON YOUR SIM TOOLKIT
NOTE:
Now that you have launched your SIM TOOLKIT
application, the next step is to register and activate your
account.
2
GETTING STARTED
REGISTRATION VIA SIM TOOLKIT
Select MY ACCOUNT from the MENU
2
GETTING STARTED
REGISTRATION VIA SIM TOOLKIT
Select REGISTRATION option from the list
2
GETTING STARTED
REGISTRATION VIA SIM TOOLKIT
Select SELF REGISTRATION from the menu
option
2
GETTING STARTED
REGISTRATION VIA SIM TOOLKIT
Enter FIRST NAME and click on “ok”
2
GETTING STARTED
REGISTRATION VIA SIM TOOLKIT
Enter LAST NAME and click on “ok”
2
GETTING STARTED
REGISTRATION VIA SIM TOOLKIT
Enter DATE OF BIRTH and click on “ok”
2
GETTING STARTED
REGISTRATION VIA SIM TOOLKIT
Enter MOTHERS MAIDEN NAME and click on
“ok”
2
GETTING STARTED
REGISTRATION VIA SIM TOOLKIT
Confirmation screen
2
GETTING STARTED
REGISTRATION VIA SIM TOOLKIT
Confirmation Text Message
2
GETTING STARTED
ACTIVATION VIA SIM TOOLKIT
Select SELF ACTIVATION from the menu option
2
GETTING STARTED
ACTIVATION VIA SIM TOOLKIT
Input ACTIVATION CODE and click “ok”
2
GETTING STARTED
ACTIVATION VIA SIM TOOLKIT
Choose a PASSWORD and click “ok”
2
GETTING STARTED
ACTIVATION VIA SIM TOOLKIT
Confirmation Message
2
GETTING STARTED
CONGRATULATIONS!!
You have now successfully activated your
account using the SIM Toolkit MENU
2
GETTING STARTED
FORMAT #3
The USSD* Application, needs no download.
The Application is called by dialing a string of
pre-determined numbers and characters from
ANY phone.
For GTMOBILE MONEY this string is:
*501#
* Currently available on GLO and Airtel only
2
GETTING STARTED
DIAL *501# NOW.
After dialing *501# you should get a WELCOME
screen as shown below. Click on the “exit” button
to proceed..
2
GETTING STARTED
THE USSD MENU
By clicking the EXIT button, you have now
revealed the USSD MENU and you are now
ready for REGISTRATION
2
GETTING STARTED
CONGRATULATIONS YOU NOW
KNOW HOW TO CALL THE
GTMOBILE MONEY MENU USING
THE USSD STRING *501#
NOTE:
Now that we have launched the final Application, we can
now proceed to the REGISTRATION process .
2
GETTING STARTED
OOOPS!!
NOTE:
Please be informed that the USSD Application is still in
the Test Environment and is not yet LIVE.
REGISTRATION via USSD is therefore not yet available
Thank you.
2
GETTING STARTED
POP QUIZ
HOW MANY DIGITS IS THE CODE
REQUIRED TO ACTIVATE YOUR
ACCOUNT? CLICK ON THE CORRECT
ANSWER
4
6
8
2
GETTING STARTED
CONGRATULATIONS!!
6
The Activation code is 6-digits and it is
generated after successful Registration. This
code is required to validate the activation
process that makes your mobile money
account available and ready for transactions.
You have now successfully completed MODULE
2: GETTING STARTED
2
GETTING STARTED
TABLE OF CONTENTS
1
WHAT IS GTMOBILE MONEY?
2
GETTING STARTED
3
FUNDING YOUR ACCOUNT
4
LINKING YOUR BANK ACCOUNT
5
TRANSFERRING MONEY
6
RECEIVING MONEY
7
WITHDRAWING MONEY
8
SECURITY
9
APPENDIX
DEPOSIT MONEY…
You can deposit money (CASH-IN) TO YOUR
wallet from any of the following sources:
1.
GTBANK BRANCH
2.
GTMOBILE MONEY APP
3.
INTERSWITCH QUICKTELLER
CLICK TO GO BACK
3
FUNDING YOUR ACCOUNT
CASH-IN AT BANK
BRANCH
Follow the steps below to CASH-IN at a Branch
Your account will be credited with virtual
money (Electronic money). You will receive
a text message that your account has been
funded with the amount you wish to
deposit into your account.
Check your account balance to confirm
money has entered your account. You
should also receive a text message
confirming this deposit
3
FUNDING YOUR ACCOUNT
CASH-IN VIA MOBILE
MONEY APP
The GTMOBILE MONEY App has a feature
where you can transfer money from your
GTBank account into your wallet by yourself.
First step is to login to your GTMobile Money
Menu..
3
FUNDING YOUR ACCOUNT
CASH-IN VIA MOBILE
MONEY APP
After you login to the GTMobile Money Menu,
click on the “send money “ button
3
FUNDING YOUR ACCOUNT
CASH-IN VIA MOBILE
MONEY APP
Next you will see two options. Click on “To Self “.
This means you want to send money to yourself..
3
FUNDING YOUR ACCOUNT
CASH-IN VIA MOBILE
MONEY APP
The next screen will display two options as well.
Select the “Bank to Wallet “ option.
3
FUNDING YOUR ACCOUNT
CASH-IN VIA MOBILE
MONEY APP
The final screen will request for AMOUNT and
PIN then you can complete the transaction.
NOTE:
Please note that in order for you to be qualified to
conduct a “Bank to Wallet” transaction, your Bank
Account has to be Linked (SEE Chapter 4.).
You need to make a special request for this to happen.
CLICK HERE FOR THE BANK ACCCOUNT LINKAGE
PROCESS
3
FUNDING YOUR ACCOUNT
CASH-IN VIA
INTERSWITCH
QUICKTELLER
Enter the following URL into your Browser:
https://www.quickteller.com/GTMobileMoney
Click on PAY
3
FUNDING YOUR ACCOUNT
CASH-IN VIA
INTERSWITCH
QUICKTELLER
Fill in all necessary fields
Click on NEXT to get a confirmation page
3
FUNDING YOUR ACCOUNT
CASH-IN VIA
INTERSWITCH
QUICKTELLER
Next, a screen would pop up requesting for you
to provide your ATM card details. Once this is
done, you would receive a successful message
and also an SMS. Your wallet would also be
credited.
NOTE:
This is also the method used to cash in from other Bank
Accounts. All you have to do is to use another Banks
ATM card to effect the transfer.
Maximum amount you can deposit into your wallet via
Quick teller website is N3,000
3
FUNDING YOUR ACCOUNT
CASH-IN VIA
INTERSWITCH
QUICKTELLER
NOTE:
You can also do a cashin transaction on any
Bank ATM that has the
QUICKTELLER MENU
3
FUNDING YOUR ACCOUNT
POP QUIZ
WHAT KIND OF FORM DO YOU FILL IF YOU
WANT TO FUND YOUR WALLET BY
WALKING INTO A GTBANK BRANCH?
DEPOSIT FORM
TRANSFER FORM
APPLICATION FORM
3
FUNDING YOUR ACCOUNT
CONGRATULATIONS!!
TRANSFER FORM
In order to fund your WALLET from a GTBank
branch, you must first of all be a GTBank
customer and then you will have to fill an
Account Transfer form to move money from
your bank account to your WALLET
You have now successfully completed
CHAPTER 3: FUNDING YOUR ACCOUNT.
Please proceed to CHAPTER 4.
3
FUNDING YOUR ACCOUNT
TABLE OF CONTENTS
1
WHAT IS GTMOBILE MONEY?
2
GETTING STARTED
3
FUNDING YOUR ACCOUNT
4
LINKING YOUR BANK ACCOUNT
5
TRANSFERRING MONEY
6
RECEIVING MONEY
7
WITHDRAWING MONEY
8
SECURITY
9
APPENDIX
LINKING YOUR BANK
ACCOUNT…
One of the easiest ways to deposit money into
your WALLET is to do it right from the Mobile
Money Application itself. Click the immediate link
below to refresh your memory
CLICK TO REFRESH YOUR MEMORY
I AM A GENIUS, LETS PROCEED
4
LINKING YOUR BANK ACCOUNT
LINKING YOUR BANK
ACCOUNT…
NOTE:
The account linkage process is completed in 3 easy
steps:
Visit a GTBank branch
Fill a form requesting for the account
to be linked to your wallet.
You will receive a message on your
phone confirming the completion of
the task within 24 hours
NOTE:
Please note that once you fill the Mobile Money Staff
Update Form on the intranet, you are requesting that
your Bank account be linked to your wallet.
4
LINKING YOUR BANK ACCOUNT
POP QUIZ
WHAT KIND OF FORM DO YOU FILL IF YOU
WANT TO FUND YOUR WALLET BY
WALKING INTO A GTBANK BRANCH?
DEPOSIT FORM
TRANSFER FORM
APPLICATION FORM
4
LINKING YOUR BANK ACCOUNT
CONGRATULATIONS!!
TRANSFER FORM
In order to fund your WALLET from a GTBank
branch, you must first of all be a GTBank
customer and then you will have to fill an
Account Transfer form to move money from
your bank account to your WALLET
You have now successfully completed
CHAPTER 4: LINKING YOUR BANK
ACCOUNT.
Now you are prepared for CHAPTER 5
(Sending Money).
4
LINKING YOUR BANK ACCOUNT
TABLE OF CONTENTS
1
WHAT IS GTMOBILE MONEY?
2
GETTING STARTED
3
FUNDING YOUR ACCOUNT
4
LINKING YOUR BANK ACCOUNT
5
TRANSFERRING MONEY
6
RECEIVING MONEY
7
WITHDRAWING MONEY
8
SECURITY
9
APPENDIX
TRANSFERRING
MONEY…
To transfer money, click on the “send money”
button in the main menu
5
TRANSFERRING MONEY
TRANSFERRING
MONEY…
Next you will see two options. Click on “To
Others “. This means you want to send money to
a third party..
5
TRANSFERRING MONEY
TRANSFERRING
MONEY…
The next screen will display two options and then
you have to select the source. For this example,
choose “From Wallet”
5
TRANSFERRING MONEY
TRANSFERRING
MONEY…
The next screen will display three options and
then you have to select the destination. For this
example, choose “To phone”
5
TRANSFERRING MONEY
TRANSFERRING
MONEY…
Now you have to select the Phone Number of
the beneficiary, Amount and input your PIN
5
TRANSFERRING MONEY
TRANSFERRING
MONEY…
Next you will requested to confirm the
transaction details before proceeding..
5
TRANSFERRING MONEY
TRANSFERRING
MONEY…
Finally you will receive a message confirming the
success of your transaction
5
TRANSFERRING MONEY
TRANSFERRING
MONEY…
NOTE:
You have successfully transferred money to a PHONE
NUMBER. You can also repeat the same process to
transfer to any Bank Account by selecting the Appropriate
option in the menu.
5
TRANSFERRING MONEY
POP QUIZ
SELECT THE WRONG OPTION.
USING THE GTMOBILE MONEY
APPLICATION, YOU CAN SEND MONEY
FROM ANY OF THE FOLLOWING:
WALLET
LINKED GTBANK ACCOUNT
OTHER BANKS
5
TRANSFERRING MONEY
CONGRATULATIONS!!
OTHER BANKS
You do not have access to other bank
accounts from GTMobile Money
You have now successfully completed
CHAPTER 5 (Sending Money).
Now you are prepared for CHAPTER 6
(Receiving Money).
5
TRANSFERRING MONEY
TABLE OF CONTENTS
1
WHAT IS GTMOBILE MONEY?
2
GETTING STARTED
3
FUNDING YOUR ACCOUNT
4
LINKING YOUR BANK ACCOUNT
5
TRANSFERRING MONEY
6
RECEIVING MONEY
7
WITHDRAWING MONEY
8
SECURITY
9
APPENDIX
RECEIVING MONEY…
In order to receive money you need to own a
mobile phone OR a Bank Account and you can
be either of the following:
REGISTERED CUSTOMER
UNREGISTERED CUSTOMER
6
RECEIVING MONEY
RECEIVING MONEY…
REGISTERED CUSTOMER
A Registered customer is one that has the
GTMOBILE MONEY Application and has his
details registered on the platform.
This type of customer receives money directly
into his WALLET and he gets a notification to tell
him so.
NOTE:
A Registered customer may also receive money into his
regular bank account. This is however dependent on if
the sender is ENABLED to send money to Bank
Accounts.
6
RECEIVING MONEY
RECEIVING MONEY…
UNREGISTERED CUSTOMER
An un-Registered customer is one who doesn’t
have a WALLET
This type of customer can still receive money.
However he gets a Withdrawal Code that
enables him to cash the money from any
GTBank ATM without using a card.
This method of collecting cash from an ATM
without a card is termed: CARDLESS ATM
WITHDRAWAL
NOTE:
A UN-Registered customer may also receive money into
his regular bank account. This is however dependent on
if the sender is ENABLED to send money to Bank
Accounts.
6
RECEIVING MONEY
POP QUIZ
WHO CAN RECEIVE MONEY INTO A BANK
ACCOUNT:
ANYONE
UNREGISTERED CUSTOMER
REGISTERED CUSTOMER
6
RECEIVING MONEY
CONGRATULATIONS!!
ANYONE
Anyone can receive money into their bank
account as long as the sender his enabled to
do such a transaction
You have now successfully completed
CHAPTER 6 (Receiving Money).
Now you are prepared for CHAPTER 7
(Withdrawing Money).
6
RECEIVING MONEY
TABLE OF CONTENTS
1
WHAT IS GTMOBILE MONEY?
2
GETTING STARTED
3
FUNDING YOUR ACCOUNT
4
LINKING YOUR BANK ACCOUNT
5
TRANSFERRING MONEY
6
RECEIVING MONEY
7
WITHDRAWING MONEY
8
SECURITY
9
APPENDIX
WITHDRAWING
MONEY…
NOTE:
Funds can only be withdrawn from
the ATM by performing a card less
withdrawal transaction
7
WITHDRAWING MONEY
WITHDRAWING
MONEY…
Again, There are two classes of people that can
withdraw money:
REGISTERED
UNREGISTERED
NOTE:
Funds can only be withdrawn from the ATM by
performing a card less withdrawal transaction
7
WITHDRAWING MONEY
WITHDRAWING
MONEY…
REGISTERED
7
WITHDRAWING MONEY
WITHDRAWING
MONEY…
REGISTERED
A Registered customer has to perform a
CASH-OUT transaction from GTMobile Money
Application in order to generate a
WITHDRAWAL CODE that can be used on the
ATM
The cash out sequence will now be
described in the next few pages
7
WITHDRAWING MONEY
REGISTERED
Locate MY ACCOUNT in your mobile money
MENU and click on it.
7
WITHDRAWING MONEY
REGISTERED
Click on CASH-OUT
7
WITHDRAWING MONEY
REGISTERED
Select CASH-OUT ATM
7
WITHDRAWING MONEY
REGISTERED
Input AMOUNT and your four digit PIN
7
WITHDRAWING MONEY
REGISTERED
Click on CONFIRM
7
WITHDRAWING MONEY
REGISTERED
Next you will receive a message with your 12Digit FUND ACCESS CODE
7
WITHDRAWING MONEY
REGISTERED
Click on HOME to return to the main mobile
money MENU
7
WITHDRAWING MONEY
WITHDRAWING
MONEY…
UNREGISTERED
7
WITHDRAWING MONEY
WITHDRAWING
MONEY…
UNREGISTERED
An un-Registered customer who has received a
WITHDRAWAL CODE via SMS can proceed to
the nearest GTBank ATM to withdraw the funds
NOTE:
Funds withdrawal is currently ONLY through GTBank
ATMs. However, as other Banks open up card less
withdrawals, these will also be available for Cash-Out .
7
WITHDRAWING MONEY
UNREGISTERED
Your Withdrawal code is 12 digits and looks like
this:
106156838075
NOTE:
The Withdrawal Code can also be referred to as the
FUND ACCESS CODE. The Code is valid only for
24hour s MAX and expires at MIDNIGHT always.
7
WITHDRAWING MONEY
UNREGISTERED
As an unregistered RECEPIENT, in order for you
to collect cash from the ATM you need to know
all the following details:
1
FUND ACCESS CODE
2
YOUR PHONE NUMBER
3
MPIN
4
AMOUNT
NOTE:
The last four digits of the Fund Access code substitutes
as the MPIN for unregistered customers ONLY
7
WITHDRAWING MONEY
UNREGISTERED
At the ATM, you will be prompted to press any
key to perform a CARDLESS TRANSACTION.
NOTE:
The keys to press are the ones on
either side of the ATM screen and not
the keypad
7
WITHDRAWING MONEY
UNREGISTERED
Next you will be presented with four (4)
sequential screens each asking for one of the
following details:
7
1
FUND ACCESS CODE
2
YOUR PHONE NUMBER
3
MPIN
4
AMOUNT
WITHDRAWING MONEY
UNREGISTERED
Upon successful confirmation of all the details,
the ATM will present you with your cash. This
transaction should last approximately about one
minute
NOTE:
You can only withdraw in multiples of
N1,000.
7
WITHDRAWING MONEY
POP QUIZ
THE FUND ACCESS CODE FOR ATM
WITHDRAWALS IS HOW MANY DIGITS?
4
8
12
7
WITHDRAWING MONEY
CONGRATULATIONS!!
12
The FUND ACCESS CODE is 12-DIGITS and
it is the security code used to access funds
from the ATM without using a Debit Card
You have now successfully completed
CHAPTER 7 (Withdrawing Money).
Now you are prepared for CHAPTER 8
(Security).
7
WITHDRAWING MONEY
TABLE OF CONTENTS
1
WHAT IS GTMOBILE MONEY?
2
GETTING STARTED
3
FUNDING YOUR ACCOUNT
4
LINKING YOUR BANK ACCOUNT
5
TRANSFERRING MONEY
6
RECEIVING MONEY
7
WITHDRAWING MONEY
8
SECURITY
9
APPENDIX
SECURITY…
NOTE:
The next few pages will highlight
some basic security features of
GTMobile Money
8
SECURITY
SECURITY…
Your phone number is your
account number
Your phone number is your
account number
NOTE:
Your phone number is easy for you to
remember and all transaction alerts
go to this number so you know what
is happening on your account all the
time
8
SECURITY
SECURITY…
Transactions are secured with
your password (or PIN)
Transactions are secured with
your password (or PIN)
Transactions are secured with
your password (or PIN)
NOTE:
Your PIN is secret and should be
known only to you. It consists of 4
digits
8
SECURITY
SECURITY…
Confirmation EMAIL and SMS
is sent to your phone number
for every transaction
NOTE:
Your PIN is secret and should be
known only to you. It consists of 4
digits
8
SECURITY
SECURITY…
Transaction details are not
stored on the phone so funds
are safe even when the phone
is stolen
8
SECURITY
SECURITY…
All CBN Security guidelines
have been implemented.
NOTE:
The guidelines cover issues such as
transaction limits, hardware and
software security, disaster recovery
etc.
8
SECURITY
POP QUIZ
WHICH OF THE FOLLOWING IS NOT A
SECURITY FEATURE OF GTMOBILE
MONEY?
PHONE NUMBER
CONFIRMATION SMS
SECRET PIN
PHONE TYPE
8
SECURITY
CONGRATULATIONS!!
PHONE TYPE
The type of phone you use has no effect on
the security of your device. GTMobile Money
can be used on any type of phone and this
will not make it less secure.
You have now successfully completed
CHAPTER 8 (Security) and you have come to
the end of the User Guide. By now you should
be confident enough to perform end-to-end
transactions confidently.
8
SECURITY
TABLE OF CONTENTS
1
WHAT IS GTMOBILE MONEY?
2
GETTING STARTED
3
FUNDING YOUR ACCOUNT
4
LINKING YOUR BANK ACCOUNT
5
TRANSFERRING MONEY
6
RECEIVING MONEY
7
WITHDRAWING MONEY
8
SECURITY
9
APPENDIX
TRANSACTION FEES
9
A
Transfer to Unregistered
N150
B
Transfer to Registered
N100
C
ATM Withdrawal (Self)
N100
D
ATM Withdrawal (Unregistered)
NIL
E
Cash-in via Quick Teller
N100
F
Cash-in via Bank Branch
NIL
APPENDIX
Name, Phone
No, Date of
Birth
N3,000
N30,000
SemiBanked
Un-Banked +
Photo ID
(savings a/c)
N10,000
N100,000
FullyBanked
Semi-Banked +
References
(current a/c)
N100k
N1mm
TRANSACTION LIMIT
DAILY LIMIT
KYC LEVEL
UnBanked
REQUIREMENT
KYC LEVELS
9
APPENDIX
TRANSACTION LIMITS
TRANSFERS
9
A
Wallet to Wallet
KYC of Sender
B
Wallet to Unregistered
KYC of Sender
C
Bank to Wallet
N100k
APPENDIX
TRANSACTION LIMITS
WITHDRAWAL
A
Self from ATM
KYC of Sender
B
Unregistered
Received Amount
NOTE:
All ATM withdrawals are subject to the maximum amount
the ATM can dispense at once. This amount is N30,000
to make it uniform across all ATM’s
9
APPENDIX
TRANSACTION LIMITS
FUNDING
A
Cash In at Bank Teller
KYC of Beneficiary
B
Cash In via QuickTeller
N3,000
9
APPENDIX
CONGRATULATIONS!!
You have successfully completed GTMOBILE
MONEY USER GUIDE. Enjoy the GTMOBILE
Mo
1
WHAT IS GTMOBILE MONEY?