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Ways to Bank

From your mobile phone to the ATM to the internet, you can conduct your banking with us in a good number of ways. Find your favourite channel to access our services and let's help you bank better.

Ways To Bank

We understand that everyone likes to bank a different way. So we have made available a variety of easy and secure ways to manage your money. Whichever you prefer, online, mobile app, shortcode or ATM, you’ll always know where you stand with your money, however you like, whenever you like.


*966# USSD Banking is a convenient, fast, and secure way to access your bank account and perform banking transactions via your non-smartphone without internet connectivity.



Get our mobile app for banking on the go
A quick download of our mobile banking app can transform your smartphone into a powerful banking tool. Banking on the go just got even easier with Zenith Bank's mobile banking app. Get access to your accounts 24 hours a day from wherever you are, transfer funds, pay bills and experience the freedom of banking on your terms.

How to Register

Users can register on the app by taking the following steps:  

  • Click on Register.
  • Enter your account number.
  • Select one of the registration options: 
       i) Hardware token (PIN+Token)  
       ii) Debit card (last six digit of ATM PAN) 
      iii) One time password (OTP) - to be sent to your registered phone number.
  • Create a password (password is numeric and 6 digits, this will be used to log-in to the app).
  • Next, create a MOBILE PIN; Numeric and 4 digits (which is an alternate means for consummating transactions).
  • Once successful, the LOGIN PAGE will appear, enter your account number and your password created during registration to start using the service.

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Do your banking wherever there is an internet connection.
Our Internet Banking platform virtually replicates the bank in your browser such that you have nearly unrestricted ability to perform online almost anything you would have needed to visit the branch for.



Scan To Pay is a fast, simple and secure way of making payments at merchant’s outlets by simply scanning a QR code using a smart phone. QR is an acronym for Quick Response code. It is similar to a barcode displayed on items or goods found in stores.



Zenith Cards afford you the convenience of global acceptance that the high-paced lifestyles of today require; and depending on whether you choose credit, debit or prepaid, they can provide you the financial freedom.

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ZIVA (Zenith Intelligent Virtual Assistant)

Experience the new world of banking by just saying “Hi” to ZiVA on WhatsApp (+234-7040004422).

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We’re in your neighbourhood
With over three hundred and sixty-five branches spread across the country, there is very likely to be a Zenith Bank branch down the road from you or right around the corner. Walk in and find out how we can help you in achieving your personal or business goals.



We’re open to you even when we are closed
With literally thousands of ATMs deployed at our branches and offsite, this is how we continue to offer you premium service long after closing time. You can do so much more than just withdraw cash at our ATMs, you can pay bills, top-up airtime, transfer funds, etc. You will never look at our ATMs quite the same way again.


Frequently Asked Questions

We are available to help you with any of your banking needs. Do you have a question? We have got answers to some frequently asked questions about our products and services and much more. Contact us today, email, call 234-1-2787000, 0700ZENITHBANK or visit the Zenith Bank branch closest to you.


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