Why is my Gtb Account Restricted?

Why is my GTB account restricted seems to be the question, many seem to be bothered about.  Whereas as a GTBank account holder, there is nothing to be worried about because it can easily be rectified in most cases.

Here, you will get in full detail the answers to your question under the following guide:

  • Gtbank Account Restriction
  • Why my Gtbank Account is Restricted
  • How To Unrestrict My Gtbank Account 

GTbank Account Restriction

Gtbank as a financial institution has policies that allow it to operate in a similar way to other financial institutions. 

Account restriction is part of the bank’s policy to be activated which prevents you from performing some basic banking transactions like transfer of money, online payments, airtime recharge, etc. 

Why Your Gtbank Account Can be  Restricted

Your Gtbank account can be restricted due to various reasons. This restriction will render the status of your account inactive. The following are the reasons why your Gtbank account is restricted: 


 When there has not been any banking activity like fund transfer, deposits, cash withdrawals, etc on your bank account over time your account will get blocked and it will change your account status to inactive. 

When the duration of the inactivity extends beyond 6 months, the account is considered dormant and deactivated. 

Government Imposed

The government through the Central Bank of Nigeria (CBN) has put in place some policies to prevent fraudulent activities from occurring through bank accounts. 

When any of these policies is triggered, a restriction will be placed on your Gtbank account. This can be a result of tax evasion, high volume of deposits, suspicion of fraud, money laundering, etc. 


Fund Deposit

Each bank account has its maximum capacity of money you can receive and deposit in it. When there is a transaction that exceeds these limits, a restriction will be placed on your account until you upgrade your account. 


Self Restriction

As an account holder, you can place a restriction on your account if you happen to have misplaced your ATM card, and notice an unauthorized transaction on your account.

This can also be done to tape the spending of an individual till the person comes of age.

How To Unrestrict My Gtbank Account


To unrestrict your account is not a difficult task to embark on. Gtbank has various ways to enable you to unblock your account from the comfort of your home.

These ways are:

Using USSD Code

To unrestrict your GTBank account through the use of the USSD code, you need to dial *737# from the phone number linked to the account. Follow the prompt to input your Bank Verification Number (BVN). Once the authentication of the details you input is confirmed, you will be required to make a transaction then your account will be unblocked through this gtb self-service

Visit A Gtbank Branch

If you have a GTBank branch near you, you can visit there and walk up to the customer service agent. Provide the ‌documents required of you by the agent and your account will be unrestricted. 

Contact Customer Care Centre

You can put a call through to any of Gtbank Customer Care numbers and request to have your account unrestricted. After the provision of the necessary information, your account will be unrestricted instantly.

Call (GTConnect) on 01448000, 070 0482 6663 28, 080 2900 2900, 080 3900 3900, to speak with a Customer Service representative. 


Note – If your account is deactivated, the process of reactivating is almost similar to when you to unrestrict your GTBank account.

Walk into any Gtbank branch and pick an account reactivation form and fill it. You will also need: 

  • A valid means of identification be it a National ID Card, Voter’s Card, International Passport, etc.
  • Utility bills like electricity bills, water bills, etc. 


Frequently Asked Questions

How long will it take to unrestrict or reactivate my account?

Answer – Unrestricting the account is done almost instantly. The moment all the provided information ticks out, you will have your account back.

How do I know if my account is active?

Answer – Your account can only become dormant or restricted when you have not performed any form of transaction on it for a while.  

What is the account reactivation form?

This is the form you fill in the bank to request the reactivation of your dormant account. This is to be submitted together with some valid documents. 


The question, of why is my GTBank account restricted has been answered thoroughly in this article. Some of the reasons can be due to lack of activity over time, government-imposed, self-restriction, etc. 

The ways by which you can unrestrict your bank account are through USSD code, calling the customer care center, and visiting any available branch near you. 


Leave a Comment