A. We offer the Credit card , the Charge card and the Web Surfer.

A. The Credit card has a line of credit approved by the bank. The Charge card is a cash collaterised credit card, where the collateral is fixed, and the Web Surfer card is a prepaid card that is used exclusively on the internet.   

A. We have the classic red, the gold and platinum. The limits available to the classes are as follows:
Classic Red $500 - $2,000 Gold $2,500 - $7,000 Platinum $7,500 - $10,000

A. The minimum amount that can be requested for on a Charge card is $500 while the maximum is $8,000

A.  Yes you can. In the case that you already have a credit card, simply pick an application forn from your, or any branch. Return the completed form to the same branch, along with the amount required as collateral for a Charge card.

A. Yes you can. This will be determined by your credit history .

A.  All master card products are currently US dollar denominated.

A.  The collateral amount required for Charge card is 120% of your card limit. This is collateral is fixed, Example: Card limit of $500 will require cash collateral of $600.  

A.  The Zenith Bank MasterCard products (Credit, Charge and web Surfer cards) can be used anywhere on the globe where there is a MasterCard logo or the "MasterCard accepted here" sign.

A.  A Corporate MasterCard cardholder is an individual who has obtained his/her card on the account of the company. This means that the company/employer has a responsibility to settle all transactions arising from the use of the card. An Individual MasterCard holder is fully responsible for his/her card settlement.

A.  You can obtain the application form from any of our branches or from your account officer (where applicable). Complete the application form and return same to the branch, along with the following:

	An accepted form of Identification i.e. Drivers’ license, International Passport, National I.D Card
	Documentation confirming date of employment, annual income/turnover, and position held if you are employed or a copy of your commercial registration if you are self employed
	A direct debit mandate . This is a standing instruction for your cash Dom account to be debited and MasterCard account credited with the amount to be settled on the due date.
The completed application should be submitted at the branch where you have an existing accounts relationship in the case of a credit card, and any of the Zenith Bank branches in the case of a Charge card.

A.   An existing domiciliary account can be used for the card products .This is dependent of the currency of your existing domiciliary account. However, a Cash Dom Account will be opened for you for the purposes of funding your MasterCard account to cover transactions. This means that funds can move from your domiciliary to the Cash Dom Account.

A.   MasterCard balances and statement details can be viewed online. Upon the processing of the customers request, internet banking log-in details are also prepared for the customer to enable him log in (through our website) and view transactions online.

A. For the Credit Card- the instructions contained in your Direct Debit Mandate Letter will be applied on the settlement date to settle your account. This currently can be 30% or 50% of your expended limit, depending on your chosen option. For the Charge Card- the instructions contained in your Direct Debit Mandate Letter will be applied on the settlement date to settle your account to the extent of the value expended. You will be required to fund your account to the tune of 100% of the expended card limit on settlement date. Please note that the settlement date is the 30th of every month. 

A.  A Direct Debit Mandate Letter is a written instruction which authorizes Zenith Bank Plc to automatically draw funds from your Cash Domiciliary account to settle transactions arising from the use of your MasterCard on a monthly basis.

A. Yes. You would need to ensure that your Cash Dom account is adequately funded. You will also be expected to provide a written instruction to your accounts officer or the Customer Service unit at your branch, for your Cash Dom account to be debited and MasterCard account credited with the amount to be settled.

A. Interest rate is currently at 2%, and shall be applied on outstanding Retail portion immediately after the settlement date. Cash withdrawals will start to accrue interest from the date of the transaction until the portion is settled. Also a monthly fee of $5 only shall be charged on all cards. Penalty charges will apply where there are cardholder defaults.

A. No.

A. Please provide the necessary information to your accounts officer, or the customer services unit of your branch. Either of these officers will ensure that the required changes are effected accordingly.

A. You will need to contact your relationship officer or the customer services unit of your branch directly. A Supplementary card is issued where a cardholder wishes to allocate a portion of his card limit to another- a spouse, child, sibling etc. A supplementary card holder shares the limit that is available on the principal card holder’s card.

A. The features include:

	This card must be attached to an active Principle card
	Both cards will share the principle’s limit
	• A limit will need to be defined within the existing approved limit (allowed for the Principal card holder) for the supplementary card. The principal card holder can encroach on the limit for the supplementary card but not vice versa
	Available to spend depends on the availability to the principle
	Availability to spend depends on the availability to the principal. At termination, both cards are closed

A. increase your card limit, you will obtain, complete and submit the relevant form at your branch. The following criteria will be considered in line with approving such a request:

	You maybe eligible to request an increase of credit limit only after one year from the approval date (i.e.: upon renewal of your MasterCard Account)
	Your credit history
	Increase of your monthly income.

A. Settlement of account balances can be done at any branch of Zenith by making necessary payment into your Cash Dom Account.

A. Immediately ring our Card Services unit or MasterCard International on 234-1-270 0437 or 1 (314) 523 2805 immediately to stop/block your card. Kindly give as much details as possible, including place of loss. Within 5 days, the customer will be expected to provide the bank with a formal letter reporting the loss, as well as a police report and court affidavit, after which the cardholder will be required to execute an indemnity.

•***Please check our terms and conditions (for MasterCard requests) for loss procedure.

A.Obtain, complete and submit the relevant form at your branch. A new PIN will be prepared for you, and delivered toy our branch for pick-up with 5 working days.

A. Kindly contact the Customer Service unit at your branch promptly, or our Card Services unit on 234-1-270 0437 for further directives.

A. Yes you can. Simply get in touch with your accounts officer and make your request through him/her.

A. You can contact the emergency customer care center from anywhere in the world on the following numbers:
Telephone: 234-1-01-2784000
Fax: 1 (314) 523 2805

A. The Zenith EazyCard is an online debit 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 EazyCard can be used on Zenith ATM’s and on any POS, ATM, and KIOSK that is connected to the National Switch – Interswitch. This means that it can also be used on the ATM’s of other banks, provided they are on the Interswitch network.

A.Visit any branch of Zenith Bank Plc, 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.

A. The EazyCard is provided free-of-charge to all Zenith Bank account holders.

A.  Yes, there are transaction charges for using the EazyCard.

A. You can make a maximum of N20, 000 per transaction and three transactions per day. In all a customer can withdraw a maximum of N60, 000 in a day.

A.  This implies that card chip has been corrupted. Please return the card to the CSU unit of your branch with a letter stating the issue and requesting for another card. A new one will be processed for you.

A.  Submit a letter of complaint to the CSU unit of your branch with bad/faulty card attached. Staff should send a memo and attach faulty card.  

A.  Retry after a few minutes, the network connection is down. If message persists please use another ATM machine.

A.  Submit a letter of complaint (memo for staff) to the CSU unit of your branch. The official letter of complaint by customer MUST be accompanied by a covering memo from the branch. Details of the letter must include account number and/or PAN.

A.  Report the incidence to your branch’s CSU and when the cards are retrieved and dispatched 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 transaction and to physically check the amount of cash remaining in the machine. At such times, they pick cards that are retained by the machine, from any cash center, and send to the E-payment department. E-payment operations staff receives these cards, records 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.

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

A.  Submit a request for a new EazyCard to the CSU unit of your branch who will notify us about the expiration of your ATM service. A new EazyCard and PIN will be issued to you.

A.  Yes you can tie additional accounts to your EazyCard. 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 numbers to other accounts (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 the 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 dropped with CSU from where it will be dispatched to the e-payment unit for processing.

A. Submit the damaged ATM card to us through your CSU along with a letter requesting for a new EazyCard. A new card will be issued. Always place your EazyCard away from electromagnetic items e.g. mobile phones.

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

A. Ensure that the cards are dispatched on the system, the CSU acknowledges, and the E-business department issues the PINs.  

A. When closing or changing an account that is tied to an EazyCard please inform us by writing through the CSU unit of your branch.  

A. ATM reports are generated from the intranet through the link for printing ATM reports. This is a passworded application, the E-payment staff logs in to, so as to select the requester's name and the date ranges and print.

A. Internet banking is a real-time solution that allows you to access your accounts 24 hours a day, 7 days a week. You may check your balances, view your account statements and transaction history for your various accounts. You can also transfer money between your accounts, pay your bills, change your password over the Internet all in a secure manner. View our Internet Banking Demo View our Internet Banking Demo

A. Our Internet Banking is easy to use. All you need is a personal computer that is connected to the Internet, any browser of your choice - Microsoft® Internet Explorer and Netscape Navigator/Communicator. Then, open your browser and log on to Zenith Bank Internet Banking website and you are banking online already!  

A. If you are already a customer with Zenith Bank, here are the things you need to do: 

	Contact your account officer to send you the Internetbanking application form . Upon filling the form , your user access code and password will be given to you. Please read our Electronic Banking terms and conditions...
	You can also >> Print the Internet Banking Application Form online.
	Click here >> View Account Details, to log to our internet Banking Application

A.  As long as you have Internet connection, Simply open your browser and log on to Zenith Bank website and click on the Internet banking. Enter your Customer Access Code, Username and Password at the prompt.

To get started click on the links below and enter your Customer  Access Code, Username and Password.

View Account Details
View our Internet Banking Demo

A. The information you provide is kept strictly confidential. And the latest electronic encryption technology ensures the secure transfer of information over the Internet. Our banking service is safe. Because account security is important to us, we have built safety measures into Zenith Bank which reflect the importance of this issue. You'll be allowed to change your own password, and all information sent and received is encrypted.

A.  No

A.  Be sure you are connected to the Internet and you are currently logged on to the Internet banking application. If you are on a dial-up connection, viewing statements may be very slow due to the poor Internet connection. However, we encourage you to have patience and click refresh often for the page to show.  

A.  If you forget your Customer Access Code, Username and Password , You should Contact us and we will send them to you.

A.  Yes, You can view all your various accounts. Our Banking package enables you to view your accounts both at the head office and the branches.

A.  The safety and confidentiality of customers' personal information is our top priority. The security system makes use of the latest in technologies, standards, and business practices to guarantee customer security including: Firewall Protection, Password Security and Data Security, Secure Socket Layer (SSL), Audits and Inspections, Data Integrity, and Physical Security

A.   You can transfer funds 24 hours a day, seven days a week through the convenience of your computer up to the maximum daily transfer limit of =N=150,000 (One Hundred And Fifty Thousand Naira) per account and a maximum daily limit of three transactions per account.

A.   Initial approval usually occurs within a 48 hour period, but may take up to three business days. Once any account has been approved, funds may be transferred at your convenience and will usually take five minutes for transferred funds to be accessible.

A.   Not at this time. Zenith Bank Inter Account Transfer can only be sent to another Current/Savings Account within Zenith Bank Plc with a valid Current/Savings Account Number.