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INTERNET BANKING

Frequently Asked Questions

We are available to help you with any of your banking needs and we make every effort to ensure contacting us is as easy as possible.

Bank Accounts

Yes. You can open an account online here while out of the country.

Yes. The account can be operated through any of our card products or internet banking solution.

No. A withdrawal slip, located in all branches is all that is required to withdraw cash at any of the branches.

Your company / organisation will write the bank to introduce the prospective account holder to the bank for account opening.

Current accounts become dormant after 6 months of inactivity.

No. savings accounts do not go dormant.

Accounts are opened within 24 hours upon submission of complete documentation.

No. There is no charge for operating your account from another branch.

No you cannot transfer funds from a Dollar to a Naira account and vice versa because both accounts are in different currencies. You can however convert funds in your dollar account to Naira and have this paid into your Naira account at the official exchange rate by visiting any Zenith Bank branch nationwide.

Yes. Account update requests can be made at any of the branches.

No. requests can be made from any of the bank”s branches or through our Contact Centre (Zenith Direct).

Accounts can be opened with any amount or with Zero balance as there is no minimum account opening amount requirement for all Zenith Bank Account classes with the exception of our Zenith Gold and Platinum Accounts that have a N1 million and N3 million requirement respectively.

About 24 hours after the request has been received and duly approved.

No, The NUBAN account series is unique and same. The only change is the address of the new branch that will appear on your next cheque book.

No. A savings account holder can withdraw from his account at any of our branches by completing a withdrawal slip.

It is possible, only if the customer has different classes of accounts. E.g. a customer can have a savings account with one branch and a current account with another branch but cannot have 2 savings accounts or 2 current accounts with 2 different branches or with the same branch.

The customer will need to complete a cheque book requisition slip which can be gotten from any branch of Zenith Bank plc. Otherwise, the customer can write to the bank requesting a chequebook. In both cases, the request will need to be signed according to the mandate of the account. He can also apply via the Internet Banking platform or by self-service on the Zenith Direct platform.

It takes 24 hours for Lagos branches and 48 ” 72 hours for up-country branches (branches outside Lagos).

A cheque book for an individual account may contain 20 or 50 leaves, and for a corporate account 50 or 100 leaves. 20leaves cost ₦525, 50leaves cost ₦1050 and 100leaves cost ₦2100.

Yes. The customer will need to indicate at the point of request where he would like to pick the cheque book up from and the cheque book will be delivered to that branch.

Yes. There is an option for online request for users on our internet banking platform or through Zenith Direct.

Yes, a third party can collect a cheque book on the account holder”s behalf. The account holder will need to write a letter authorizing the bearer to collect the cheque book on his behalf. The letter must be duly signed and the bearer must have a valid / acceptable means of identification.

The customer will need to sign the cheque book acknowledgement slip. This slip is the first page in the cheque book. The signed slip is returned to the bank (through the Customer Services unit or the accounts officer) and the cheque book will be activated.

The customer should advise the bank immediately of the loss so that the cheque book will be blocked. To get another cheque book, copies of a sworn affidavit, police report and a completed indemnity form and a duly signed letter reporting the loss are required from the customer.

A duly signed instruction from the account holder informing us of the change of address, as well as a current PUR which has the new address of the customer, are needed for a change of address.

It will only take a few minutes, if all the requirements are in place.

Yes. If all the requirements are in place, the name change will only take a few minutes.

A new certificate of incorporation and a letter from the customer requesting a change.

A search will be carried out on the new document and name will be changed if the search returns with matching information. edit button to change this text.

Investing

If the customer has a current or savings account with the Bank, A duly signed letter of authority instructing the Bank to debit the proposed amount from the customer”s respective account will suffice. Such instruction from the customer will include specific details needed to book the fixed deposit such as customer”s account number, amount to be booked, tenor of deposit and the agreed rate.

If the customer is not an account holder in the bank, he will have to open a fixed deposit account. (Refer to account opening documentation).

Minimum tenor on fixed deposit is 30 days, whilst the maximum is as determined by the Bank based on current money market realities.

The interest accrued is calculated on simple interest basis.

WHT charge is 10%. It is calculated as 10% of total accrued interest earned in a particular period on the fixed amount.

A duly signed letter of authority instructing the Bank to liquidate the fixed/call deposit will suffice.

Treasury bills are government guaranteed debt instruments issued by CBN on behalf of FGN to finance short-term expenditure.

There are no specific rates for Treasury Bills as purchase is done through a bid/auction system organized by the CBN or through the Two Way Quote Market.

Treasury Bills could either be 91, 182 or 364-Days tenor.

MPR means Monetary Policy Rate. It is a bench mark rate introduced in 2006 to replace the Minimum Rediscount Rate (MRR). It serves as an indicative rate in the inter-bank market.

MPR is currently 12% (However this is subject to change at the discretion of the Monetary Policy Committee).

The Interbank market is a medium by which Banks avail themselves of short-term funds on a daily basis to meet their short-term liquidity needs. Trading is usually done between Banks and Discount Houses only and the market is open from 10.00hrs ” 14.00hrs.

NIBOR is the Nigeria Inter Bank Offered Rate and it is determined by the Financial Markets Dealers Association (FMDA) with reference to various selected Banks. It is the average rate at which money is traded daily in the Interbank market for various tenors.

OBB means Open Buy Back and FBB means Fixed Buy Back. They are both products available in the Interbank market that enables banks to access short-term funds using their Government securities as collateral. The difference between the OBB and FBB is that OBB is open-ended (i.e. like a call deposit) while FBB has a fixed tenor.

Zenith Bank Cards

You can use your Zenith Bank credit card to pay for goods and services at millions of establishments worldwide. Your card will be accepted at any establishment that displays the Visa or MasterCard logo.

You can use your Zenith Bank credit card to make online payments or to shop on the internet.

You can withdraw cash up to 100% of your credit limit from any ATM.

No, you cannot use your credit card if you have used up your full credit limit until you repay. The amount repaid will then be available for your use, provided the account is not overdue.

Every time you withdraw cash from either the ATM or agent POS, a cash advance fee of 4.5% of the amount withdrawn will be charged to your card. This will be reflected in your Credit Card statement.

At the end of every cycle, we mail your monthly credit card statement to your email address as indicated on your card application form. Your statement indicates your previous balance and gives a list of your current charges, any finance charges or fees, your payments and credits as well as your current balance. It also mentions the “Minimum Payment Due” and the “Payment Due Date”.

Your total outstanding balance is shown as “Current Balance” on your Credit Card statement. The “Current Balance” is determined by adding any purchases and cash advances you made and subtracting payments or credits from the “Previous Balance”. Then appropriate finance charges and fees are added.

The Visa expiring cards are auto renewed one month to expiration day as long as the card was in use for the past 3 months. This means at the time your card expires, your new card will be available for pick up at your branch.
For Mastercard credit cards, customer is required to visit any Zenith Bank branch and make a request for credit card re-issue.

You can withdraw a maximum of ₦20,000 per transaction and perform up to five transactions per day. In all, a customer can withdraw a maximum of ₦100,000 in a day. However, this may only apply to withdrawals made on Zenith Bank ATMs.

Your new card will be available for pick up at your requesting branch within 48hours however we offer the non-personalized variant which can be picked up instantly at any of our branches.

Simply load funds on your card and it will be activated within 24hours.

You can load your card with cash at any of our branches. Also, funds may be loaded onto the card via an online internet banking portal.

Your prepaid card is a reloadable card. You can add funds by reloading at any of our branches or transferring funds into it until the card expires.

The Zenith Debit Card is a payment card that represents an electronic means of withdrawing money from your bank account or making purchases with the money in your bank account. The Zenith Debit Card can be used on Zenith bank ATMs and other banks ATMs. It can also be used on POS terminals and online.

Visit any Zenith Bank Branch and request your preferred card type. The Customer Service Unit (CSU) officers will provide you with an Application Form to complete and submit back to them. You also have the option of visiting our website: www.zenithbank.com and printing the Application and Service Agreement Forms. Completed forms should be returned to the Customer Service Unit at any Zenith Bank branch, and an instant card would be issued to you immediately. If you require an embossed card, your card will be ready in 2-3 working days.

You can withdraw a maximum of ₦20,000 per transaction and perform up to five transactions per day. In all, a customer can withdraw a maximum of ₦100,000 in a day. However, this may only apply to withdrawals made on Zenith Bank ATMs

This means that the chip on the card chip may have been corrupted. Return the card to the Customer Service Unit (CSU) of your branch with a letter stating the issue and requesting another card. A new one will be processed for you.

Submit a letter of complaint to the CSU officers of your branch with a bad/faulty card attached.

Submit a letter of complaint (memo for staff) to the CSU officers of your branch. The letter must include account number and/or PAN.

If your card got stuck in Zenith Bank ATM, report the incident to the branch CSU officer and provide a proof of identification for validation. This happens when the PIN is entered wrongly up to three times or the card was reported missing and was hot-listed. Card will be retrieved and given to you. But if your card got stuck in another bank’s ATM, kindly visit any zenith bank branch to make a report and request for a new card.

Submit a request for a new PIN through the CSU officers of your branch and a new PIN will be issued to you.

Immediately dial the stop debit ussd string (*966*911#) on your phone and follow the prompt to place a debit freeze on your account, afterwards please visit your branch to cancel your card, unfreeze your account and request for a new card. You can also reach out to card services via email Cardservices@zenithbank.com or 09040854901 or 02012784901 to cancel your card.

Yes, you can tie additional accounts to your Debit Card. For fresh requests, there is provision on the Application Form for the main (default) account number to be documented. There is also the space provided on the same form for the other account numbers (that the customer has, with zenith bank and would like access to).If the customer has got his access codes for a particular account and would like to add another account to the facility, he /she is required to write a letter to that effect. The letter, which must be duly signed by him, must have the following details:

Full names
Account numbers (both existing and new)
Branch
This letter should be submitted to CSU.

Go to Quicklinks on our Homepage and click on ‘Replace your Card. Fill out the form online and submit Always place your Debit Card away from electromagnetic items e.g. mobile phones.

Please return the card with a letter requesting for another Debit Card with the correct name on it, to the CSU officer of your branch. A new card will be reprinted for you.

NAIRA, US DOLLARS, EUROS AND POUNDS

Visa expiring cards are auto renewed one month to expiration day as long as the card was in use for the past 3 months. This means at the time your card expires, your new card will be available for pick up at your branch.

For Mastercard credit cards, customer is required to visit any Zenith Bank branch and make a request for credit card re-issue.

24hrs remote access to your savings/current/cash domiciliary accounts in the bank.
Quick and easy means of payment; replacing cash and cheque.
Can be used wherever the card brand logo is displayed, at ATMs, POS, Web and Mail/Telephone Order.
Single currency functionality for MasterCard Visa and Verve cards.
No interest charges; no collateral required, no settlement required as cardholder spends only funds available in his/her account.
3D Online Security -One time password (OTP) is sent to customers mobile phone and email address to secure online transactions.
Online access to transaction history through Internet Banking.

MasterCard - 4 years
VISA - 4 years
AfriGO - 4 years
Verve - 3 years

Yes, on any ATM where the MasterCard/Visa/Verve acceptance logo is displayed.

Yes, at POS terminals and on the Web

Yes, always ensure it is a 3D secure site.

Yes, by using your internet banking or Mobile App.

A Credit Card is a form of credit issued to customers and linked to a revolving credit account. Cardholders make repayment at the end of the cycle. Credit card cycle runs from 16th of the month to 15th of the next month. Credit cards let you borrow money to buy things now and pay later.

  A.Visa Credit Card
  B. MasterCard Credit Card

Customers who enjoy a good relationship with the bank.
Customers who want an easy to use widely-accepted way of making payments.
Customers who want extra benefits such as insurance and emergency assistance.
Customers who are frequent travellers.

Classic, Gold, Platinum and Visa Infinite

Yes, you can have both, MasterCard and Visa.

Yes. This will be determined by your credit history.

Zenith Visa/MasterCard credit card can be used  wherever the Visa/MasterCard logo is displayed

 Credit cards are targeted mainly at existing customers. 

Yes. Each card has its defined limits and usage parameters which is basically a fraud control measure. Parameters are set limits to the frequency and amounts for which a card can be used on a daily and monthly basis.

This is the percentage you have selected to pay back of your total outstanding usually 5%, 10%, 20%, 30%, 50% or 100%

Immediately inform our Card Centre on telephone numbers 09040854901 or 02012784901 or send an email to Cardservices@zenithbank.com to deactivate or hot list your card, and walk into any of our branches to pick up a new card.

A PIN (Personal Identification Number) is a four digit number used to access card account.

If you suspect someone else knows your PIN you must contact the bank immediately to have a new PIN issued or change it at the ATM.

After three (3) wrong PIN tries, your card will be deactivated. You should contact your bank to obtain further instruction on how to continue using your card.

You can settle your card account in two ways:
A. Minimum Due Balance payment: This is settlement due from the cardholder based on the monthly statement issued. It is derived using your settlement method, which was selected on your application form. Based on the Direct Debit Mandate, this amount is automatically taken from your account during the settlement period.

b. Additional settlement: Where the cardholder personally decides to pay off all or part of the outstanding debt. In this case, the cardholder will initiate settlement on the Mobile App on Internet banking of visit the nearest branch.

Settlement period for minimum due is from 30th of every month

A Supplementary card is issued where a cardholder wishes to share the card credit limit with another; for example a spouse, child relationship, sibling etc.

The features include:
• A principal card must exist
• Both cards will share the principal’s card limit
• The principal cardholder is responsible for settlement of all transactions on the supplementary card.

You will obtain, complete and submit the pin-reissue form at your branch or if you remember your old PIN you can change PIN at the ATM.

The cummulative loading limit for prepaid cards are:
Naira prepaid card = N250,000
Dollar prepaid card = $5,000 quarterly
Pound prepaid card = £3,000 quarterly
Euro prepaid card = €4,000 quarterly

This service is currently unavailable but you can walk into the closest zenith bank branch to you and pick up an instant payment card.

The Zenith Bank Foreign currency cards are suitable for international transactions.

Kindly advise card services via Cardservices@zenithbank.com on your destination or current location and length of stay to allow them enable your foreign denominated card for international spend.

This service is currently unavailable on the zenith bank naira denominated cards, however you can opt for zenith bank foreign denominated cards. These cards are suitable for international transactions.

For individuals customers:
Visit any Zenith Bank branch and fill out a Gift Card Request Form.
For corporate customers:
Prepare a request letter on your company letterhead paper specifying the number of gift cards required and submit the request letter to the Customer Service Unit (CSU).

Prepare a request letter on your company letterhead paper specifying the number of cards required and submit the request letter to the Customer Service Unit (CSU).

Due to market realities, the price of the zenith bank co-branded card is dynamic, please reach out to the card services team via Cardservices@zenithbank.com to get the requirements or contact your account officer for more information on co-branded cards.

Naira debit card = N1,075
Dollar Debit card = $3
Pound Debit card = £2.30
Euro Debit card = €2.70

The Bank offers debit, credit and prepaid card types.

The Zenith Bank Prepaid card is avaialble to both customers and non customers of the bank.

Both cards require funds to be preloaded on them. However, the prepaid card is reloadable, while the gift card is not.

A prepaid card is a card that is preloaded with a specific amount. The card is not linked to the regular savings or current account

The prepaid card can be loaded at any Zenith Bank branch. Loading is done either from the carfdholder's regular account or as an over the counter cash deposit

Customers tends to enjoy all benefits associated with the scheme. Futhermore, Zenith Bank premium cardholders enjoys free domestic/ int'l airport lounge access.

Zenith Bank premium cardholders have access to travel insurance benefits

4.5% of total outstanding on the credit card

Once the customer has met all the credit requirements, the card will be processed and made available within 5 working days.

To qualify for a credit card, you must have an active account with the bank. Eligibility is based on your creditworthiness or the provision of acceptable collateral, as required by the bank.

The intended cardholder has to have an active account with the bank and also meet the credit card requirements of the bank.

Our Debit Cards are available in Visa, MasterCard, AFRIGO and Verve card brands

You should promptly contact your branch or the Card Services  via email Cardservices@zenithbank.com or 09040854901 or 02012784901.

Virtual cards are developed mainly for online/ web transactions.

A virtual card is a digital card that functions like a traditional credit or debit card but without a physical plastic.

The zenith bank Virtual card cost N500

You can request for a virtual card via USSD (*996# then follow the prompt), or via the zenith bank website.

Yes, you can deactivate and reactivate your card via the Zenith Bank Internet Banking platform or Mobile App. Alternatively, contact Zenith Customer Care at 0201-278-7000, 0700ZENITHBANK, 09040854901, or 02012784901, or email zenithdirect@zenithbank.com or Cardservices@zenithbank.com.

Yes, you can request multiple cards as long as they are different card brands. Available options include Visa, Mastercard, Verve, and AfriGO.

You can activate your virtual card through the same channel used for the request—e.g., via USSD (*966#), Internet Banking, or the Zenith Bank website www.zenithbank.com

Your new card can be activated using any Zenith Bank ATM or the in-branch POS terminal.

Contact your Relationship Manager or reach out via 0201-278-7000, 0700ZENITHBANK, 09040854901, 02012784901, or email zenithdirect@zenithbank.com or Cardservices@zenithbank.com

The daily transaction limit on the Zenith Bank virtual card is ₦50,000

Currently, the Zenith Bank virtual card is available only in Naira (₦)

Point of Sale

You can request a POS terminal through your relationship officer.

For Lagos locations, it is usually within 8 working days while it may take up to three (3) weeks for locations outside Lagos.

The terminal type and model are boldly written on the face top of the Terminal e.g PAX S90 CDMA, Verifone VX 520 etc.

Yes, but the merchant must provide the necessary parameters required for setup.

This may occur if the network of the bank that issued the card fails to connect or the switch that processes the card is having system downtime. You may ask the customer to use another bank”s card if available or try again later.

Do not release goods or offer services for such transaction; there may be an automatic reversal of such transaction. Furthermore, the cardholder should visit his bank to lodge the complaint and ask for the Dispense Error Form.

Yes you can be set up on the POS Transaction Viewer. Your Account Officer should request on your behalf by sending the following information to possupportunit@zenithbank.com for the setup.
1. Merchant's Account number
2. Email address
3. Phone number

The setup is completed within 72 hours.

Request the POS Settlement Viewer through your Relationship Manager by supplying the following information;
1. Your desired Username
2. Email address
3. Account Number

Upon creation you will be advised with the login credentials to access the portal and view the breakdown of all transactions done on your POS terminal. The setup is instant.

Settlement is T+1 i.e. (transaction + 1 day) within 24hours.

Transactions are usually settled on bank working days. Transactions done on Friday would be settled before close of business on Monday.

Contact Zenith Direct via zenithdirect@zenithbank.com or call Zenith Direct on 0201-292 7000.

Please send a mail with Merchant name and Account number to zenithdirect@zenithbank.com for resolution.

eaZymoney

A wallet is an electronic product that makes use of mobile phone number as the wallet ID. It can hold monetary value and be used for day to day transactions. In the financial world, your wallet ID can be your phone number, email address etc.

Zenith bank’s wallet is called eaZymoney.
Note: - *Your phone number is your account number*

eaZymoney is Zenith Bank’s mobile wallet solution, with which customers can send and receive money as well as perform other financial transactions with ease using a mobile phone.

Anyone with a mobile phone can own a wallet and anyone can subscribe by dialing the string (*966*0# or *966*77#).

This also means that a non-Zenith Bank account holder can own a Zenith Bank wallet.

  • Send money to anyone (this means that anyone can receive money from you via their phone number, whether registered or unregistered on the eaZymoney platform)
  • Send money from one eaZymoney wallet to another eaZymoney wallet.
  • Send money from your eaZymoney wallet to a bank account.
  • Send money from your Zenith Bank account to your eaZymoney account/wallet
    (Fully Banked Customers only)
  • Send money from your Zenith Bank account to another Zenith Bank account or Other banks
    (Fully Banked Customers only).
  • Bills payment / Pay Bills (Coming soon)
  • Bulk Payments (Coming soon)
  • Tie Card to wallet (Coming soon)
  • Recurring payments (Coming soon)
  • Link your Account to Wallet to enable higher transaction limits
  • Buy Airtime
  • Cash In (Deposit) or Cash Out (Withdraw)
  • Deposit (Cash-in)
    • At Zenith Bank’s eaZymoney “agents” locations 
    • At any Zenith Bank branch
  • Withdrawal (Cash-out)
    • At Zenith Bank’s eaZymoney “agents” locations
    • At any Zenith Bank branch
    • Via ATM

You will need details such as:

  • Last name
  • First name
  • Date of Birth

Simply dial *966*0# or *966*77# to create wallet and follow the prompt.

  • Step 1: Enter Last name, First name and Date of Birth (DOB).
  • Step 2: Receive SMS on the phone number from where the USSD string is dialed.
  • Step 3: “Successful wallet registration” and to dial back USSD string (i.e. *966*77*OTP#) for wallet activation

To activate your wallet, dial back the USSD string (i.e. *966*77*OTP#) received after creating your wallet.

The One-Time-Password (OTP) will be included in the SMS received.

Or

Dial *966*77# and select option 7 “Activate Wallet” to receive the SMS with USSD string (i.e. *966*77*OTP#) and your One-Time-Password (OTP).

 

After creating your wallet, Dial *966*77# on your mobile phone and select option 6 “Link Wallet to Account”.

Yes, it is safe. There is a verification/authentication process using a wallet/USSD PIN selected by you during the creation of your wallet.

A wallet PIN is a 4-Digit PIN that the new wallet owner will be prompted to input during the wallet creation.

A USSD PIN is a 4-Digit PIN that the new wallet owner will be prompted to input during the wallet creation.
Note: A user can either use wallet PIN or USSD PIN (for customers already registered on USSD only).

To change your USSD PIN, Dial *966*60# and select option 3 “Reset PIN”.

No, you do not need to have an account with any bank to create a wallet. This means that a non-Zenith account holder can run a Zenith wallet.

  • Wallet Balance enquiry
  • Fund Wallet (i.e. Self-wallet funding from own account, Wallet to wallet transfer and fund Third party wallet from own Account);
  • Withdrawal from Wallet (i.e. Transfer to account, cash-out to branch, ATM and Agent)
  • Bills payment / Pay Bills (Coming soon)
  • Bulk Payments (Coming soon)
  • Tie Card to wallet (Coming soon)
  • Recurring payments (Coming soon)
  • Airtime Purchase (for self, others and all networks)
    • MTN
    • Airtel
    • Glo
    • 9mobile
  • Link Account to Wallet;
  • Activate Wallet;
  • Change Wallet PIN.

Yes, the following limits are applicable per wallet type:

               

WALLET TYPE / LIMIT

TIER 1

TIER 3

PER TRANSACTION LIMIT (₦)

20,000

20,000

DAILY TRANSACTION LIMIT (₦)

50,000

100,000

CUMMULATIVE BALANCE

300,000

300,000

TRANS AUTHORISATION MODE

Wallet PIN

Below 20,000 USSD PIN

Above 20,000 Hardware/eToken OTP + PIN

Customers are categorized based on their KYC details.

Tiers are limits that aligned to the customer’s mode of authentication as directed by CBN.

Note: Zenith Bank account holders fall into tier 3 as soon as wallet is linked to account. There is no Tier 2.

Eazymoney Wallet to Eazymoney wallet – No charge

Cash Out @ Branch – N100

Transfers to Non-Zenith Accounts (This is in line with NIP charges)

Naira, although other currencies maybe available soon depending on regulatory policy.

Your PIN details only known to you will keep your funds safe.

Yes, you can send money to people not on the eaZymoney platform. Simply, Dial;
  • *966*77#or *966*0# on your mobile phone from which you created your wallet and
  • Select “Fund Wallet”

Input the phone number and enter PIN.

Beneficiaries can be credited through the
  • Transfers
  • Any Zenith bank agent (via Cash Out Initiation)
  • Any Zenith Bank ATM (via Cash Out Initiation)

You can pay a beneficiary via the Cash-out-Initiation options.
            Dial *966*77# and select option 3 “Withdraw from Wallet”, select the option
            “Cash-out via Agents/ATM From Customer

  • Step 1: Customer dials USSD string and selects cash-out to agent/ATM/Branch
  • Step 2: Customer enters Amount
  • Step 3: Authenticates transaction with PIN
  • Step 4: SMS containing reference number is sent to the customer’s Alertz number

Note: Beneficiary walks to the nearest Agent/ATM to retrieve cash.

  • Beneficiary selects Cash-out on the ATM
  • Enters amount, ref number, customer mobile number and the last four digits of the Reference number.

Transaction limits are dependent on customer categories (see above).

It can be used for;

  • Petty Cash payments
  • Sensitive transactions
  • People with or without accounts (i.e. Displaced persons)

An eaZymoney Agent is a person or company that acts on behalf of Zenith Bank to carry out financial transactions like cash-in, cash-out.

Zenith Agent locations will be branded with Zenith Bank logos.

The list of Zenith Bank’s Agents and their locations can be found on the Zenith Bank website(www.zenithbank.com). Next, go to “SME”, under Merchant Services, and click on Agent Banking or simply follow or copy and paste the link in your browser: “Zenith Bank Agents & Addresses”.

No, all you need is a mobile number.

  • To create a wallet: Dial *966*0# or *966*77# on your phone and follow the prompt
  • To send money /transact: Dial *966*77#

Yes, you can. All you need do is link your wallet to your account to subscribe as a fully banked customer on the eaZymoney wallet platform.

Internet Banking

Internet banking is a real time solution that enables you access your account 24 hours a day, 7 days a week.

All Zenith bank account holders, Corporate and individual.

It is free.

All customers can check account balances, view account statements, view and download transaction history for various accounts. In addition, individual account holders may transfer funds and make bills payments but corporate accounts cannot.

All you need is a personal computer or other device that is connected to the internet.

You need to fill a form. The internet banking application form can be downloaded from our website: www.zenithbank.com. It is also available at all our branches. You fill the internet banking form and submit to CSU of the branch.

Customer visits www.zenithbank.com, then hovers over Internet Banking login menu for drop down options, and selects “Personal”. Thereafter enter your login details (as provided by the branch) and proceed from there.

For first time log in, customers must use the account number and password provided in their ‘Internet Banking login activation letter’. The password must then be changed to one known by only the customer. The customer can choose to create their 4-digit PIN required for transaction authorization immediately after first log in or subsequently by clicking ‘Settings’ on the menu, and ‘Create online banking PIN’.

There are no charges, except for online fund transfer. Zenith to Zenith transfers incur no charges, Local Money Transfer (LMT) transfer fee is ₦210. A transfer from a Zenith account to other banks will incur NEFT or Interswitch charges depending on the switching platform used to make the transfer.

₦100 flat.

Yes. However, you will require an ordinary domiciliary account to be able to do this.

Yes. The token comes at a fee of ₦3,500

The latest electronic encryption technology ensures the safe transfer of information over the internet. You will be required to create your own password.

As often as possible up to a daily limit of 3 million to any Zenith Bank account and 1 million to other bank accounts.

Funds can be transferred to both local (Zenith and other banks) and foreign beneficiaries.

Corporate Internet Banking

Corporate Internet Banking is a secure online banking platform that enables customers make authorized payments and transfers to anyone in the world, 24 hours a day, 7 days a week.

Corporate I-Bank is for customers that make frequent local and/or international payments. It is specifically for corporate customers.

A customer can perform the following transactions:

  • Account Activity Monitoring/Reporting: View transaction logs, daily activities, download transaction reports.
  • Funds Transfer within and outside Nigeria: Transfer money from your corporate account to any beneficiary’s account worldwide.
  • Payroll Administration: Pay staff salaries electronically.
  • Initiate draft requests from your office.
  • Track Trade Finance Transactions: Monitor status of Letters of Credit, Payments, Confirmation and Establishments, Form M and Bills for Collection.
  • View and transact on multiple bank accounts with other banks
  • Make import duty payment and print receipts at your convenience.
  • Cheque Confirmation: confirm cheques online
  • Integrate accounting systems to Corporate Internet Banking for even less human input.
  • Upload all manner of documents to payment instructions such that they may be viewed at the click of a button.
  • Audit Trail: Completely monitor all activities on the platform.

You will need to complete a Corporate Internet Banking Application Form. The form is available for download online or at all Zenith Bank branches. Kindly complete the application form and submit to your account officer or a customer service officer at any Zenith Bank branch.  Corporate I-Bank can be deployed in 24 – 48 hours.

Enrolling on Corporate Internet Banking is free. However, customers have to pay for the hardware token required for login and transaction authorization. Other transaction costs include:

  • Local Money Transfer (LMT) transfer fee is =N=210
  • Transfers to other banks incur charges based on the transfer platform used
    Bills Payment may also incur a convenience fee, depending on the type of Bill being paid.
  • Transfers between Zenith Bank accounts are free.
  • Non-interference with your network as no installation is required
  • Efficient and faster processing for all payment types
  • Cutting edge security using a Vasco token device which secures the system by providing time synchronous security and end to end encryption.
  • 24-hours global access as it is a web-based solution.
  • Multi-user access and role specific privileges structured to fit customer’s business model.

With Corporate Internet Banking, different officers in the organization involved in the payment approval process are given specific roles on the Corporate Internet Banking platform. Whatever functions they needed to do manually can now be done online on the Corporate I-Bank platform.

All you need is a personal computer or any other device with an Internet connection and your login details. Supported browsers  include Internet Explorer, Mozilla Firefox, Google Chrome, Safari, Opera etc

Go to www.zenithbank.com, select ‘Corporate’ on the Internet Banking drop down at the top of the page and click ‘Login’.

For more information on Corporate Internet Banking, click here to download the Step-by-Step Guide.

What is a Username?
Your Username is made up of your first and last name and is issued to you by the Bank. It is a mandatory requirement for login.

Where can I get my Username?
It is contained in the Activation Letter printed for you when you requested Corporate I-Bank. If you have forgotten your Username and cannot find the Activation Letter, you may contact your company account officer or the branch where you opened your account.

What is a PIN?
A PIN is a unique 4 -6 digit number created by you when you to Corporate Internet Banking for the first time.

How do I create a PIN?
As a first time user who does not have a PIN, click on ‘New User?’ and create your unique 4-digit PIN.

My PIN was reset, how can I ?
Click on the ‘New User?’ link and enter your Username in the ‘Username’ field. Enter a unique 4 digit number in the ‘Create PIN’ field, re-enter the same number in the ‘Confirm PIN’ field, and enter the 6-digit number displayed on your token in the ‘Token code’ field.
What is Token Code?
Token code is the random 6-digit number displayed when you press the button on your hardware token.

Where can I get a Hardware token?
Your hardware token is issued to you by the bank when you register for Corporate Internet Banking. Please contact your Account Officer or Zenith walk into the nearest Zenith Bank branch to request a token.

I lost my token/my token is damaged
Kindly report the issue to your Account Officer. Fill an online Indemnity Form and request a new token.

I get an error message ‘Invalid token ’ when I try to . What does this mean?
It means your token has been locked. You should send an email to  HYPERLINK “mailto:eproductsupport@zenithbank.com” eproductsupport@zenithbank.com or  HYPERLINK “mailto:zenithdirect@zenithbank.com” zenithdirect@zenithbank.com with details of your Username, Account Number and Serial Number (this is the number at the back of your hardware token). Kindly send the email from the email address you registered for Corporate Internet Banking with. Alternatively, you may call 0201-2787000, 0700ZENITHBANK to speak with our Customer Care Specialists.

I get an error message ‘Token is locked’ when I try to Login
You should send an email to  HYPERLINK “mailto:eproductsupport@zenithbank.com” eproductsupport@zenithbank.com or  HYPERLINK “mailto:zenithdirect@zenithbank.com” zenithdirect@zenithbank.com with details of your Username, Account Number and token Serial number (this is the number at the back of your hardware token). Kindly send the email from the email address you registered for Corporate Internet Banking with. Alternatively, you may call 0201-2787000, 0700ZENITHBANK to speak with our Customer Care Specialists.

What if I forget my PIN?


You should send an email to eproductsupport@zenithbank.com or zenithdirect@zenithbank.com with details of your Username, Account Number and Serial Number (this is the number on the back of your hardware token). Kindly send the email from the email address you registered for Corporate Internet Banking with. Alternatively, you may call 0201-2787000, 0700ZENITHBANK to speak with our Customer Care Specialists.

What if I forget my Username?
If you are the only registered Corporate Internet Banking user in the company, you should call 0201-2787000, 0700ZENITHBANK to speak with our Customer Care Specialists. Kindly have details of your Account Number and token Serial number ready.

If you are not the only registered Corporate Internet Banking user in the company, you may contact your company account officer or the branch where your account was opened.

I get an error message ‘Token is locked’ when I try to
You should send an email to eproductsupport@zenithbank.com or zenithdirect@zenithbank.com with details of your Username, Account Number and token Serial number (this is the number at the back of your hardware token). Kindly send the email from the email address you registered for Corporate Internet Banking with. Alternatively, you may call 0201-2787000, 0700ZENITHBANK to speak with our Customer Care Specialists.

What if I forget my Access Code?
Access code is no longer required login.

What if I forget my password?
Password is no longer required login.

Please send an email to zenithdirect@zenithbank.com or call 0201-2787000, 0700ZENITHBANK to speak with our Customer Care Specialists.

GlobalPAY

GlobalPAY is a web-based solution that enables corporate bodies with or without functional websites accept card payments from customers worldwide.

Any Corporate organization, business segment that offers goods or services.

MasterCard (local & International), Visa (local & international), Interswitch Verve cards.

A corporate account domiciled in any of the Zenith Bank branches in Nigeria.

  • A duly completed GlobalPAY Merchant Application & Agreement Form.
  • A copy of the company’s Certificate of Incorporation.

Our GlobalPAY Support/Technical team will contact the merchant and merchant’s developer by providing the relevant Application Programming Interfaces (APIs) required for the integration (this is expected to be carried out on a demo environment), and after integration is fully completed, the merchant would be migrated to Live/Production environment.

We have a GlobalPAY Storefront (www.GlobalPAY.com.ng) where your services can be hosted and all your customers can be directed to make payment to your organisation/firm through the channel.

No. There is no setup fee.

Features/Benefits of GlobalPAY includes:

  • Acceptance of locally and internationally issued cards: MasterCard, Visa and Verve Cards.
  • Online real-time log for monitoring transactions as they occur.
  • Real-time online processing of transactions i.e. instant debit of cardholder’s account immediately payment is made.
  • Multiple card acceptances with single integration. Provides a global reach for your business.
  • Reduces administrative overhead.
  • Multi-currency processing
  • Refund Capability/Automated Refund Processing
  • Fully Redundant Processing
  • PCI Compliance ensures highest levels of data protection
  • Online Authorization Voiding
  • Supports Mastercard Securecode and Verified By Visa
  • Settlement can be done both in Naira and Dollars
  • Provides a global reach for your business

Transaction fee for MasterCard & Visa (Local) is 1.5% of the transaction amount capped at ₦2,000.00, Interswitch Verve is also 1.5% capped at ₦2,000.00 while MasterCard and Visa (international) charge 3.5% of the transaction amount without cap.

Where there is no systemic failure, all local transactions are settled into merchant’s account one working day after transaction date and two working days after transaction date for foreign transactions. However, whenever there is a systemic failure, merchants are promptly advised of their settlement delay through their account/relationship officers.

For any settlement issue, kindly call ZenithDirect on 0201-2787000 or Card Services on 0201-2784000 or send a mail to csdsettlment@zenithbank.com, & zenithdirect@zenithbank.com, and your request will be promptly attended to.

For any chargeback issue, kindly call ZenithDirect on 0201-2787000 or Card Services on 0201-2784000 or send a mail to csdchargeback@zenithbank.com, & zenithdirect@zenithbank.com, and your request will be promptly attended to.

Transaction fee is charged per payment and is automatically charged to the merchant.

All payment transactions through Zenith Bank’s payment platform utilize 128-bit SSL technology. This guarantees that all information transmitted through these sites are encrypted and highly secure.

3D Secure allows cardholders authenticate themselves while making online payments. It allows 3 domains to work seamlessly together.
Domain 1: The cardholders have the peace of mind that their cards are not used without their authorization.
Domain 2: Merchants are protected from fraud and can provide the product and service without delay or extra costs.
Domain 3: Banks see that the transaction has been authenticated and are more likely to approve the transaction, to the convenience of the cardholders.
The implementation of 3D Secure by Visa is called Verified by Visa, and the implementation of 3D Secure by MasterCard is called Secure Code. 

MasterCard SecureCode is a service to enhance your existing MasterCard account. A private code means added protection against unauthorized use of your card when you shop at participating online retailers.

Every time you pay online with your MasterCard, a box pops up from your card issuer asking you for your personal SecureCode, just like the bank does at the ATM. In seconds, your card issuer confirms it’s you and allows your purchase to be completed.

Once you’ve registered and created your own private SecureCode, you will be automatically prompted by your financial institution at checkout to provide your SecureCode each time you make a purchase with a participating online merchant. Your SecureCode is quickly confirmed by your financial institution and then your purchase is completed. Your SecureCode will never be shared with the merchant. It’s just like entering your PIN at an ATM.

When you correctly enter your SecureCode during a purchase at a participating online merchant, you confirm that you are the authorized cardholder and your purchase is then completed. If an incorrect SecureCode is entered, the purchase will not be completed. Even if someone knows your credit or debit card number, the purchase cannot be completed without your SecureCode at a participating merchant.

You will be able to use any of your existing MasterCard credit or debit cards, as long as the cards are from a participating financial institution. If you’re not sure if your financial institution provides this service, please contact your bank.

We encourage you to register all of your MasterCard cards. There is no limit on how many cards you can register.

Enrollment is at the account level so the password must be shared.

Because there’s no special software to install, you can shop from any computer and still receive the added protection afforded by MasterCard SecureCode.

Your card issuer will automatically update this information in your profile.

You will need to register the new card for MasterCard SecureCode. Simply return to the registration site, and complete the registration process with your new card.

Most participating merchants will display the MasterCard SecureCode logo on their site. However, even if you don’t see the SecureCode logo, the merchant may still be a participant and you will be prompted to provide your SecureCode.

When you use a card that is enrolled in the MasterCard SecureCode program at participating online merchants, the merchant automatically recognizes your MasterCard card number during the transaction.

There is no need to login or sign in. When you make a purchase at a participating merchant and enter your registered MasterCard payment details, you will automatically be prompted by your financial institution to enter your SecureCode. After reviewing the details of your purchase and confirming that your Personal Greeting is correct, simply type in your SecureCode to complete your purchase.

The Personal Greeting is a message that you create during sign-up. Each time you make an online purchase at a participating merchant, you will be prompted to enter your SecureCode. At this time, you’ll see your Personal Greeting and other purchase details. The Personal Greeting is your assurance that you are communicating with your financial institution. If the Personal Greeting displayed in the pop-up box is incorrect, you should not enter your SecureCode, but should instead contact Customer Service immediately by calling the phone number on the back of your enrolled MasterCard card, to report a possible fraud.

If you forget your SecureCode when making an online purchase, you will be supplied with your Secret Question. If you then supply the correct Answer, your purchase will be completed. Once your purchase is completed, you should visit the registration site, click on the “Forgot SecureCode” link and follow the subsequent instructions.

The online purchase process will not change except that now you will be prompted to provide your SecureCode during checkout. Your SecureCode will never be revealed to the merchant during the checkout process.

Yes, you will not be asked for your SecureCode during these purchases. You will continue to be protected from unauthorized purchases by Zero Liability from MasterCard.

For information on participating in MasterCard SecureCode, please contact GlobalPAY Support team via email at GlobalPAYsupport@zenithbank.com or send a mail to zenithdirect@zenithbank.com

Visa offers comprehensive fraud protection, but Verified by Visa goes even a step further, adding an extra layer of security at the point where you enter credit card information online. The service helps prevent unauthorized online use before it happens.

Visa’s multiple layers of protection give you an extraordinary level of security, so you can feel confident whenever and wherever you use your card. Verified by Visa is only one part of our five-layer system to prevent, detect, and resolve security issues. Specifically designed to make online shopping experiences safer and more secure, Verified by Visa gives you extra control over your Internet transactions.

Yes, Verified by Visa is designed to protect the Visa card, or cards, that you already have – whether they are credit cards or debit cards.

When you pay with your Visa card, the Verified by Visa service launches automatically at participating online stores. After you enter your Visa card number and submit your order, a Verified by Visa window will appear and your card issuer will display an authentication page.

AlertZ

AlertZ is Zenith Bank transaction notification product that sends details of consummated transactions to customers via SMS and email.

The notifications are delivered via email or mobile SMS technologies.

All Zenith Bank customers need AlertZ.
AlertZ gives you updated information on the following:

  • all withdrawals from accounts
  • all ATM withdrawals
  • all pos purchases
  • all internet banking transfers – to and from accounts; these could span through salary earners, traders, transporters with the need for shipping documents, BC notification – bills for collection, LC notification – letter of credit, form m notification (approval & scanning stage), RAR notification (risk assessment report) transaction notification – deposit & full (deposits & withdrawals), monthly statements notifications.

If you are an existing customer, apply at any of our branches. The customer service officer will give you a form to fill and submit to be set up .If you are not yet a customer, upon opening an account, indicate by ticking the AlertZ option in the account opening form.

This is a reference number which confirms if an AlertZ is genuine or not. You can further confirm the reference number by doing the following;

  • Send ‘verify *reference number’ to 30010 for Airtel, MTN, Visafone and 9mobile subscribers
  • Or 31010 for Globacom subscribers.

Email notifications are free.
For SMS notifications, the charge is ₦4 per notification.

It is possible and allowed.

Write a letter requesting the deactivation of the service. This may be processed at any of the Branches.

Yes. It can be set up for your foreign mobile number.

Zenith Mobile App

This is a service that allows you to manage your bank account and perform transactions using your smartphone.

All Zenith Bank customers with smartphones, Android or iOS, can access the Zenith Mobile App.

Downloading the Zenith Mobile App is totally free.

The Zenith Mobile App enables you to conduct inter-bank transfers and transfers to other banks. Additionally, you can use the app to pay bills like electricity, DStv, betting schedule bill payments, view your bank statement and so much more.

For transactions  between
N0 - N5000 fees are N10.75,
N5,0001 - N50,000  fees are N26.88
N50,001 and above the fees are N53.75
For Bill Payments - #100

Yes, you can!

Yes, It is possible to see all your Zenith Bank accounts on the App. Visit the Nearest Zenith Bank Branch to get started.

Go to your Play Store or App store to download the Zenith Mobile App.  After you download, launch the app and register.

Registration for the Zenith Mobile App can be done through the use of your Zenith bank Hardware/etoken,
Bank card (Debit Card) and Branch Registration.

Yes. You can enable at the point of login.

Log into the zenith bank mobile app
Tap settings located at the overview section 
Select Biometrics to enable or disable 

A customer can have the Zenith Mobile App on 3 devices. However after the first device subsequent addition of device will require hardware/etoken to authorize.

Debit Card - N200,000 
Branch Registration + OTP - N2,000,000 
Hardware/etoken Registration - N5,0000,00-N25,000,000


Tap on 'Settings' in the menu, 
Select 'Transfer Limits'
Read and accept the terms and conditions for limit increase.
Choose the account for the limit increase
Click on either 'Zenith Transfer' (For Transfers to Zenith) or 'Third-Party Transfer'. for Other Banks
Click 'Confirm'
Authorize using Hardware or etoken

Transaction Pin is a four digit code created at the point of registration.
It is used to complete transactions. 

To reset your 4-digit PIN,
Access the menu and click on "Settings.
Then, select "Reset PIN."
Choose your authorization mode, enter a new PIN, confirm the new PIN, and input either your card or token details. Finally, click "Confirm"

Password is a six digit code created at the point of registration and to  Login in to the Zenith Mobile App

To change your Zenith Mobile App password, go to the menu, select 'Settings', then click on 'Change Password.'
Enter your old password, set a new password, and confirm the new password.
To change your Zenith Mobile App password, go to the menu, select 'Settings,' then click on 'Change Password.'

A bank statement is an official summary of financial transactions at a given period of time for each bank account held by a person or business with Zenith Bank.

You can send your Bank statement to your personal   Email address, Financial Institution, and Embassy

For Embassy and Financial Institution
From the menu, 
click on 'Bank Services,'
then select 'My Bank Statement.
Choose the account from which you want to generate the statement, 
select the account for the transaction fee, 
pick a destination from the drop-down menu, 
select a start date and end date, and 
then click on 'Validate.

Visit the Nearest Zenith Bank or send a mail to Zenith Direct with details of transaction.

To initiate a transfer, click on "Transfer."
Choose the bank you wish to transfer to and select the account from which you want to transfer funds.
Enter the beneficiary's account details, input the amount, and provide a transaction description.
Activate the "Save as Beneficiary" toggle to save the beneficiary for future transactions.
Finally, enter your PIN to confirm the transfer.

Navigate to the menu and click on "Settings." Then, select "Manage Beneficiaries." Choose either "Transfers" or "Payments," and your list of beneficiaries will appear. 

Navigate to the menu and click on "Settings." Then, select "Manage Beneficiaries." Choose either "Transfers" or "Payments," and your list of beneficiaries will appear. Click on the bin icon next to the name of the beneficiary to delete a beneficiary, and authenticate by entering your PIN.

Initiate a transfer, click on "Transfer." Choose the bank you wish to transfer to and select the account from which you want to transfer funds. Enter the beneficiary's account details, input the amount, and provide a transaction description. Activate the "Save as Beneficiary" toggle to save the beneficiary for future transactions. Finally, enter your PIN to confirm the transfer.

Yes.
Click on "Bills," then choose either Zenith Billers or Quick teller Merchants. Select an account, followed by a category, and then pick a specific biller. Input the requested details, and click "Continue." Confirm the details of the bill payment, and authorize by entering your PIN.

Electricity, DSTV, GOTV, Airtime, Internet and so much more 

To log a failed bill payment, visit the nearest Zenith Branch or send an email to ZenithDirect.

Go to Transfers Tab and select Transfer History to generate a receipt.

No.

No.

Visit the nearest Zenith Bank Branch or send a mail to ZenithDirect 

Visit the nearest Zenith Bank Branch or  send a mail to ZenithDirect.

Visit the nearest Zenith Bank Branch or  send a mail to Zenith Direct.

Visit the nearest Zenith Bank Branch or  send a mail to Zenith Direct. 

Scan To Pay

Scan to pay is an application that allows you make fast, simple and secure payments by scanning QR codes at merchants’ outlets using your smart phone. OR You can also dial the Merchant ID displayed at the merchant’s outlet using any GSM phone and enter a 4-digit pin to complete transaction.

QR is an acronym for Quick Response code. It is similar to the barcode displayed on items or goods in stores.

The Scan to pay app is designed for all bank’s customers.

Simply download the Zenith Scan To Pay mobile app from the app store and register as a customer. You will be required to create a 4- digit pin which will be used to complete your transactions.

Yes. You can add another account number by going to Settings >> View/Edit Profile >> Add Account

The account number selected before you scan to pay.

You will receive an email notification and an SMS notification on your registered phone number with the bank. The app will show an on-screen notification.

Yes. The limit is N500, 000 per transaction

Kindly contact ZenithDirect, our 24hr interactive contact center on 0201-2787000, 0700ZENITHBANK and zenithdirect@zenithbank.com

It is an alternative way of collecting money easily and quickly from your customers without physically handling cash or experiencing any network challenges.

A. Customers simply scan the QR code displayed at your outlet(s) with a smart mobile phone and enter a 4 digit pin to complete transaction. 
OR 
Customers can dial the unique Merchant ID displayed at your outlet(s) using any GSM phone and enter a 4 digit pin to complete transaction.

QR is an acronym for Quick Response code. It is similar to the barcode displayed on items or goods in stores. It will be placed at your outlet(s).

This is what a QR code looks like:

It is suitable for all individuals/business (small, medium and large scale businesses) owners.
Simply download the Zenith Scan To Pay mobile app from the app store and register as a merchant. You will immediately receive a unique merchant ID for your store.
OR 
You may visit any Zenith bank branch and enroll as a merchant on the platform.

Your account is credited instantly, once payment is made.

A transaction notification will be sent to you and the customer. The Scan To Pay app will also show a successful prompt.

Kindly advise the customer to contact his/her bank to report the disputed transaction. 
For more information on the Zenith Scan To Pay solution, kindly visit www.zenithbank.com/qr