The Branch app has moved beyond being just a loan app, it now works as a full digital bank in Nigeria. If you’ve been using the app for a while, you’ll notice that you now have your own Branch account number, and you can receive money directly into it like a normal bank account.
This feature has made Branch one of the easiest fintech platforms to use for both savings and daily transactions, no branch visits, no paper forms, and everything is done instantly from your phone.
In this guide, we’ll explain how to find your Branch account number, how to transfer money, and what to do when you face transaction errors.
What Is a Branch Account Number?
A Branch account number is your unique digital bank account created under Branch International Microfinance Bank, licensed by the Central Bank of Nigeria (CBN).
It looks just like a regular 10-digit bank account number and is linked directly to your Branch wallet in the app.
You can receive money from any bank in Nigeria, including GTBank, Access Bank, Zenith, OPay, and Palmpay, all work perfectly.
How to Find Your Branch Account Number
Follow these steps inside your Branch app:
- Open the Branch app and sign in.
- From the home screen, tap on your Wallet or Account icon.
- You’ll see your account balance and your branch account number displayed below it.
- Tap “Copy” to easily share or paste it for transfers.
Your branch account number usually starts with 999 or 910, depending on your profile setup.
How to Transfer Money Using Branch App
Sending money from your Branch account to another bank account is quick and doesn’t require a separate USSD code.
Here’s how:
- Open your Branch app.
- Tap “Transfer” on the dashboard.
- Select Bank Transfer.
- Enter the recipient’s bank name and account number.
- Input the amount you want to send.
- Confirm details carefully.
- Enter your PIN to authorize the transaction.
- Wait for a few seconds—you’ll get a success message and an SMS confirmation.
Branch transfers usually reflect instantly, but sometimes network delays can cause a short wait.
How to Fund Your Branch Account
To use the transfer feature, you’ll need to have money in your Branch wallet.
You can fund your Branch account in two ways:
Option 1 – Bank Transfer:
- Copy your branch account number.
- Open any other bank app (like GTBank, Opay, or PalmPay).
- Choose Send Money → Microfinance Banks → Branch MFB.
- Paste your Branch account number and send.
- Your wallet will reflect the amount instantly.
Option 2 – Direct from Loan Balance (if eligible):
If you’ve taken a Branch loan before, a part of your disbursed amount can automatically reflect in your wallet—ready for use.
How to Check Your Transfer History
You can easily track your transactions to confirm if your transfer went through.
Steps:
- Go to your Branch app dashboard.
- Tap “Transactions”.
- All your recent transfers, deposits, and repayments will appear.
- Tap on any item to view date, amount, status, and recipient account.
Common Transfer Issues and Fixes
• Transfer failed, but money deducted
– Don’t panic. The money is usually reversed automatically within minutes.
If it doesn’t reflect after 24 hours, contact support@branch.co or use the in-app chat option.
• Wrong recipient name showing before confirmation
– Check if you selected the correct bank name. The branch uses CBN’s interbank lookup system, so a typo can pull the wrong result.
• Transaction pending for long
– Network congestion can delay updates. Wait a bit, and it usually completes automatically.
• Unable to copy account number
– Make sure your Branch app is updated to the latest version.
Is the Branch Account Safe?
Yes. The branch is licensed by the Central Bank of Nigeria (CBN), and deposits are insured by the NDIC.
All transfers and payments are encrypted end-to-end, and your app PIN ensures no one else can access your account.
FAQs
Q1. Can I receive salary or business payments in my branch account?
Yes, your Branch account works like a regular bank account. You can receive transfers from employers, clients, or any Nigerian bank.
Q2. Is there any transfer limit?
Yes, new users may start with daily limits (₦50,000–₦200,000), but this increases with verification.
Q3. How do I change my branch account PIN?
Go to Settings → Security → Change the PIN and follow the prompts.
Q4. Can I send money without data or internet?
Currently no, branch transfers require internet access.
Q5. Does Branch charge transfer fees?
Transfers to other banks may attract small fees (₦10–₦25), but branch-to-branch transfers are free.
Conclusion
Branch app has gone beyond being a loan platform, it’s now a complete digital bank that lets users save, borrow, and transfer easily.
Your Branch account number works like any other bank account in Nigeria, meaning you can receive and send money instantly without needing to visit a branch.
Always ensure your app is updated, verify recipient details before confirming transfers, and keep your PIN private.
