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.

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).

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.

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.

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.

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.

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.

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 draw cash, a cash advance fee of 3.5% of the amount withdrawn will be charged to your account. However, you receive the full amount you withdrew from the ATM and the cash withdrawal fee is automatically debited to your account and is 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”.

Expiring cards are auto renewed one month to expiration. This means at the time your card expires, your new card will be available for pick up at your branch.

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.

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 branch of Zenith Bank and the Customer Service Unit (CSU) officers will provide you with an Application Form. 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 your branch, or any other branch of the bank, and the card should be ready in about a week.

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

Report the incident to your branch’s CSU and when the card is retrieved yours will be sent to your branch. This happens when the PIN is entered wrongly up to three times or the card was reported missing and was hot-listed. The Cash and Teller team members go to the ATM machine periodically to get details of transactions and to physically check the amount of cash remaining in the machine. At such times, they pick cards retained by the machine and send to the E-payment department. E-payment operations staff receive these cards, record the receipt and sends them to the appropriate branches through their dispatch men. If used on another bank’s ATM, acquiring bank sends the card to Zenith International Bank. If on a Zenith ATM, liaise with the branch with proof of identification.

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

Go to Quicklinks on our Homepage and click on ‘Replace your Card. Fill out the form online and submit. A new Debit Card and PIN will be issued to you.

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.

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.

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 01-292 7000.

• 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

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)

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

• *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.

• Transfers
• Any Zenith bank agent (via Cash Out Initiation)
• Any Zenith Bank ATM (via Cash Out Initiation)
  
  

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.

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.

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.

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.

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.

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.

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

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.

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.

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 012787000 or Card Services on 01-2784000 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 012787000 or Card Services on 01-2784000 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.

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.

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.

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.

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.

It is possible and allowed.

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

mCASH is a solution designed to conveniently allow Zenith Bank Merchants to receive payments from their customers without physically handling cash. Customers simply dial *402* merchant code*amount# to make payments.

A person who buys and sells commodities.

Kindly visit http://www.zenithbank.com/mcash for self-enrolment or you can walk into any Zenith Bank branch.

It is for all business owners (Small, Medium, Large scale businesses) who want to receive cash efficiently into their bank accounts.

Your Customers must be registered on the USSD platform of their Bank (examples of USSD platforms include *966#, *402, *322#).

Value is received instantly.

A transaction notification alert will be sent to you (merchant) and your customer (buyer).

The Merchant or Buyer should contact their respective Banks to report the disputed transaction.

mCASH is a solution designed to conveniently allow Zenith Bank account holders pay for goods and services from their accounts without physically handling cash.

imply dial the mCASH merchant code displayed at your merchant’s store
*402*merchant code*amount# using any GSM phone.

No, just dial the string (*402*merchant code*amount#) when making payments and
you will be prompted to create a 4 digit PIN.

No data is required.

You will receive a notification on your registered phone number with your bank.

Kindly contact our 24/7 interactive call center - Zenith direct on 01-292-7000.

You will be charged N20 for all transactions.