Guaranty Trust Bank has launched a new digital product, Quick Airtime Loan, designed to give customers instant access to airtime whenever their call credit runs out and available funds are low. The initiative strengthens the bank’s push to embed financial services into everyday needs while ensuring uninterrupted communication for millions of Nigerians.
The service allows eligible customers to purchase airtime directly from their bank accounts without upfront cash. Users can access airtime values ranging from ₦100 to ₦10,000 by dialling 73790#. The solution currently works across all major mobile networks in Nigeria, with plans underway to extend the offering to data bundles in the near term.
Brandspur Banking News Desk reports that the Quick Airtime Loan introduces a bank-led alternative to the traditional telecom airtime credit model, which typically attracts charges of about 15%. GTBank’s product is priced at a significantly lower rate of 2.95%, positioning it as a cost-effective option for customers who need immediate connectivity during emergencies or critical moments.
The product is built within the wider ecosystem of GTCO Plc, leveraging payment technology and digital infrastructure provided by HabariPay’s Squad platform. This integration reflects the group’s strategy of delivering seamless, end-to-end financial experiences across banking, payments, and digital channels.
Commenting on the launch, Miriam Olusanya, Managing Director of Guaranty Trust Bank Ltd, said the solution was developed to meet real customer needs. According to her, the Quick Airtime Loan demonstrates how a connected financial ecosystem can drive practical innovation by combining digital reach, lending capability, and payment technology into a single, easy-to-use service.
Industry analysts say the move reinforces GTBank’s reputation for pioneering digital-first banking solutions. By expanding the functionality of its *737# USSD platform beyond traditional transfers and loans, the bank is further positioning itself as a key player in Nigeria’s evolving digital finance landscape.
The introduction of Quick Airtime Loan builds on the success of GTBank’s existing digital offerings, including QuickCredit, and highlights the group’s transition into a diversified financial services provider focused on convenience, affordability, and customer-centric innovation.
