What GTMT is

GTMT is a branch-based remittance service operated within the GTBank group. A sender walks into a GTBank subsidiary branch outside Nigeria and initiates a transfer to a beneficiary holding a Naira account with GTBank Nigeria. The service is open to GTBank account holders and non-account holders alike.

  • Branch-initiated international money transfer
  • Open to account and non-account holders
  • Destination is GTBank Nigeria

Source: Guaranty Trust Money Transfer (GTMT) | GTBank

Where it operates

Transfers are initiated at GTBank subsidiary branches in East and West Africa and are paid into branches in Nigeria. The countries listed for sending are Ghana, Gambia, Liberia, Kenya, Cote d'Ivoire, Sierra Leone, Rwanda and Uganda.

  • Ghana
  • Gambia
  • Liberia
  • Kenya
  • Cote d'Ivoire
  • Sierra Leone
  • Rwanda
  • Uganda

Source: Guaranty Trust Money Transfer (GTMT) | GTBank

Requirements

Funds must be sent using the customer's account first name and surname as held on the account. The beneficiary must have an active Naira account, identified by a 10-digit numeric NUBAN account number.

  • Funds sent in the customer's account first name and surname
  • Active Naira account required
  • 10-digit numeric NUBAN account number

Source: Guaranty Trust Money Transfer (GTMT) | GTBank

Benefits and how to apply

Funds sent through GTMT are received instantly in Naira at GTBank Nigeria, and the exact amount sent is credited. The beneficiary is not charged fees on the transfer. To use the service, a sender visits any GTBank branch in East and West Africa to initiate the transfer.

  • Instant receipt in Naira
  • Exact amount received
  • No fees charged to the beneficiary
  • Initiated in branch

Source: Guaranty Trust Money Transfer (GTMT) | GTBank

Sources

  1. Guaranty Trust Money Transfer (GTMT) | GTBank https://www.gtbank.com/personal-banking/services/imt-services/guaranty-trust-money-transfer Verified 19 Sep 2026

Last verified 19 Sep 2026. This entry is compiled from the public web pages listed above. Nothing here is stated that those pages do not, and each of them was read on the date shown.