Customer Service

View Agent and Aggregator Portal

Welcome back. Kindly click the button below to begin the process of regaining access to your account.
*Note: Individual Naira accounts only.

Opening a Zenith Bank account is easier than ever before, click the button below to begin

Click on the button below to Unlock/Reset Hardware Token

Click on the button below to create your Hardware Token PIN the easy way.

Zenith Bank's Automated Voice Banking Service is an Interactive Voice Response (IVR) solution which enables customers to perform basic banking transactions by dialing 0201-278-7000 through their registered phone numbers and following the prompts.

Customers can pay DSTV/GOTV bills, restrict their accounts or block their cards, request account statement via email, view the last five transactions, transfer funds, buy airtime, and do lots more. To gain access to the Automated Voice Banking Service options, dial 0201-278-7000 on your registered mobile number and follow the voice prompts. For example:

If you have attempted a card transaction on any of our e-Channels (POS, ATM, QUICKTELLER, etc) and your account has been debited but you have not received value for the transaction, kindly search for and lodge the transaction below to effect a reversal of your fund or click here to download and fill this pdf file then submit it to the nearest branch.

Kindly click on Download Form to begin the process of regaining access to your account. You may also report your issue to Zenith Direct by calling 0201-278-7000 or 0700ZENITHBANK.

To enable your card for use outside the country, kindly complete the form below specifying your destination and period of stay in that location.

The BVN uniquely identifies every customer across the Nigeria Banking industry using biometric details. It is a requirement for operating a bank account in Nigeria as no withdrawal shall be made on accounts without validated BVN

The Zenith Bank Virtual Card is specifically designed for web transactions and can be used to shop online (accepted locally and internationally), pay bills and subscriptions etc.

FX Trade Simplified

Nigeria Single Window for Trade Portal

Trade Monitoring System Portal (TRMS)

Settlement of sub-merchant on behave of the payment facilitator

Download the printable version of documents that relate to our products and services.

Click the button below to locate a Branch/ATM

We are available to help you with any of your banking needs. Visit the FAQ page.

Thank you for giving us the opportunity to serve you. We are committed to giving you exceptional services unparalleled in the industry and welcome all of your comments and suggestions.

Everyone is different so one size never fits all. That is why we have a wide range of accounts to fit everyone, regardless of situation or lifestyle. So whether you want a basic account or one bursting with options, you will find the right account that meets your expectations.

When you consider the advantages that come with a Zenith Corporate account and the many benefits to your business, coupled with the support and guidance you receive from your ever attentive relationship manager, you would be right to consider it a valuable business asset.

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

There are a number of ways to check your account balance, namely:

ATM
You can check your balance on any ATM by selecting the Balance Enquiry option.

POS
POS terminals can also perform the Balance Enquiry function.

Mobile Money
If you are a fully banked eaZymoney subscriber, you can check your account balance with the eaZymoney application.

Internet Banking
You can also check your balance online by logging into your account via our internet banking platform.

Bank Branch
The Customer Service Units at all our branches also assist you in checking your balance.

*966# EazyBanking
Dial *966*00# on your alert phone number to check your account balance.

ZENITHDIRECT
(a) If you are a registered customer on the ZenithDirect platform, you can get your account balance on the IVR. Simply dial any of 0201-278-7000, 0700ZENITHBANK and login with your ACCESSCODE and PASSCODE.
(b) Customers can also dial any of 0201-278-7000, 0700ZENITHBANK and select Option 4 to speak with an executive who will authenticate and assist.

If you have attempted a card transaction on a POS and your account has been debited but you neither received the value for the transaction nor received a reversal after 24 hours, kindly click on the link below, fill out the form and submit it to effect a reversal of your funds. You may also fill out the form at the Zenith Bank branch nearest to you.

If you tried to make a withdrawal from an ATM and your account was debited but the ATM failed to dispense cash, kindly fill out the form and submit it to effect a reversal of your funds. You may also fill out the form at the Zenith Bank nearest to you.

To request a new chequebook, kindly click on the link below, fill out the form and submit. You may also request a chequebook at the nearest Zenith Bank branch.

To reactivate a dormant account, kindly click on the link below, fill out the form and submit.
You may also dial *966*0# on your alert phone number and select the 'Reactivate Dormant Account' option, to reactivate your dormant account or visit the nearest Zenith Bank branch.

New Account Holders
If you are a new account holder, first apply for Internet Banking by downloading the Internet Banking Form below.

Fill it out and tick ‘Internet Banking’. Submit the form to the Customer Service Unit.
The Internet Banking form is also available at all our branches.
To get a Token, you will need to fill out a Token Request form at the branch nearest to you.

Existing Account Holders
If you already have Internet Banking, you can fill out a Token Request Form at any of our branches or, you can go to ‘Other Services’ on the Internet Banking side-menu and select ‘Token Request’.

If your card has been damaged, misplaced or stolen, kindly call ZenithDirect immediately on 0201-278-7000, 0700ZENITHBANK to block the card.

You can then request a replacement by filling out the form and submitting.

Always place your Debit Card away from electromagnetic items e.g. mobile phones.

Your card has different daily limits depending on the channels on which you are using it.

*Please note that this only applies when you use your Zenith Bank card on a Zenith ATM. When using another bank’s ATM you may only withdraw Twenty Thousand Naira (₦20,000) each time.

Apply for Internet Banking by downloading the internet banking form.

Fill it out and tick ‘Internet Banking’. Submit the form to the Customer Service Unit.

The Internet Banking form is also available at all our branches.

To Reset Your Card or Internet Banking PIN
Kindly call ZenithDirect on 0201-278-7000, 0700ZENITHBANK and select Option 4 to speak with an executive for assistance.

You may also visit the Zenith Bank branch nearest to you, where the Customer Service Unit will be happy to assist you with your request.

To Reset Your Hardware Token PIN you may do one of

• Kindly call ZenithDirect on 0201-278-7000, 0700ZENITHBANK and select Option 4 to speak with an executive for assistance.
• Send a mail from your registered email address account details and token serial number to zenithdirect@zenithbank.com.
• Visit the nearest branch of Zenith Bank and submit a duly signed letter with your account details and token serial number to our Customer Service Unit.

• 24-hour access to accounts.
• Transfer of funds
• Balance enquiries
• Printing of mini statements and account statements.
• Cash withdrawals, e.t.c.

• Look at the Screen, Insert your card when prompted to do so, with the red surface facing up and ensuring that the edge with the white arrow sign goes in first.
• Enter your PIN number (4-digit number) using the keypad and press the “PROCEED” button.
• From the list of transaction types, select the “INQUIRY” option. Select “CHECKING” for current account, “SAVINGS” for account and “CREDIT” for account.
•  Choose ‘YES’ if you want to do another transaction otherwise ‘NO’ to end .
• Remember to pick up your card on completion of .

NB: Be sure your account type is linked to your card. Making a “BALANCE INQUIRY” on an account that is not linked to your card will generate an error “invalid account selected”.

•  Insert your card when prompted to do so, with the red surface facing up and ensuring that the edge with the white arrow indication goes in first.
• Enter your PIN number and press the “PROCEED” button.
• From the list of transaction types, select “WITHDRAWAL”
• Select “CHECKING” if you are withdrawing from your current “SAVINGS” to withdraw from your savings account, or Credit to withdraw from your account.
• Select from the list any amount you intend to withdraw. select ‘OTHERS’ if the amount you want to withdraw is not in the listing. Enter the amount you want to withdraw e.g. ₦15, 500.00 and
  press the ‘PROCEED’ button to process your transaction.
• Choose ‘YES’ if you want to do another transaction otherwise ‘NO’ to end .
• Remember to pick up your card on completion of .

NB: The maximum amount you can withdraw per transaction is ₦20, 000.00. While the maximum you can withdraw in a day is ₦60, 000.00. i.e maximum of three transactions per day. However, for non-Zenith customers, you will need to confirm from your Bank the maximum number of times you can withdraw daily.

• Insert your card when prompted to do so, with the red surface facing up and ensuring that the edge with the arrow indication goes in first.
• Enter your PIN number and press ‘PROCEED’ button to continue.
• Select the ‘NEXT’ button.
• Select ‘CHANGE PIN’.
• Enter your new PIN number and press the Proceed button.
• Re-enter the new PIN again and press the Proceed button.
• Choose ‘YES’ if you want to do another transaction otherwise ‘NO’ to end transaction.

NB: Kindly ensure you end the present transaction and reuse your card by entering your new pin number. Then, do a balance enquiry to confirm the pin change was successful.

• Insert your card when prompted to do so, with the red surface facing up and ensuring that the edge with the white arrow indication goes in first.
• Enter your Pin number and press Proceed button to continue
• Select “TRANSFER”
• Select the source account (CHECKING for current, SAVINGS, or CREDIT for MasterCard account)
• Select your destination account
• Enter the amount to transfer and press the Proceed button
• Choose ‘No’ to complete the transaction or ‘Yes’ to continue with another transaction.

•   transfer is now enabled for Zenith customers to transfer between their Current and Savings account.
• Keep your card away from your Cell phone, or any magnetic material as its capable of wiping out card information from your card, thereby rendering it useless.
• Be smart enough to pick your card or cash as soon as the ATM ejects it. Further delay might cause the ATM to retain your card or cash.

Lost Internet banking details
For lost or forgotten passcode, access code, username and password, call 0201-278-7000, 0700ZENITHBANK.

Email
 customersupport@zenithbank.com, zenithdirect@zenithbank.com

Lost or stolen bank cards
If your cards have been lost or stolen, it’s important that you contact us immediately.
You can reach us using one of the following numbers: Telephone: 0201-278-7000, 0700ZENITHBANK

Email:
cardservices@zenithbank.com

Damaged bank cards
If your bank card is damaged or destroyed, please contact us through the following numbers: 0201-278-7000, 0700ZENITHBANK

Email:
cardservices@zenithbank.com

Faulty ATM
To report a faulty ATM (Automated teller machine), contact us using one of the following numbers:
Call 0201-278-ATMS(2867)

Email
 atmsupport@zenithbank.com, customersupport@zenithbank.com

Seized Card
If your card has been seized by an ATM, please call 0201-278(ATMS)2867.

Email
atmsupport@zenithbank.com, customersupport@zenithbank.com

• Avoid opening suspicious e-mails – if an e-mail seems suspicious or you cannot confirm the source of an e-mail, rather delete it.
• Only provide your credit card details to reputable companies.
• Do not make your passwords too personal – rather create passwords that have letters and numbers that cannot be attributed to you.
• Never provide your accesscode or password/PIN to anyone, never write them down or share them, not even with a bank official.
• Never provide your online ID or password/PIN to any site that you do not recognise and fully trust.
• To ensure that you are using a secure shopping site, look for the lock and key and security certificates online. This icon is not a guarantee of a secure site, but might provide you some assurance. Don’t trust a site just because it claims to be secure
• If you go directly to the site, check for indicators that the pages are secure, such as a padlock symbol at the bottom of the page and a URL that begins with “https” instead of “http”.

The Wolfsberg Group Anti-Money Laundering Questionnaire 2014
This questionnaire acts as an aid to firms conducting due diligence and should not be relied on exclusively or excessively. Firms may use this questionnaire alongside their own policies and procedures in order to provide a basis for conducting client due diligence in a manner consistent with the risk profile presented by the client.

Card Security

• Sign the signature stripe on the back of your credit card as soon as you receive it.
• Never let anyone else use your card.
• Keep your card in a safe place.
• Don’t let your card bend or get scratched.
• Keep your card away from magnetized objects and phones.
• Get your card back anytime you use it.
• Keep your card transaction(s) and ATM receipts to check against your statement.
• Read correspondences from your bank before discarding as they may contain important card
  account information and not just marketing material.

Online Transactions

• Make sure the online shop is reputable. Get more information if unsure.
• Check if the online shop has a Return and Refunds policy.
• Use a secure browser connection when entering card details.
• Check that the site URL begins with “https” or look for a locked padlock or unbroken key
  at the bottom right of your browser window.
• Don’t make your password/CVV easily identifiable and don’t disclose it to anyone.
• Print out a copy of the transaction record for any online purchase you make.

Fraud Prevention/ Detection

• Check your account balance regularly.
• Call us immediately on 0201 278 7000, if you suspect fraudulent transactions.
• Keep your card in a safe place where no one else has access to it.
• Keep your card in sight at all times to ensure no one copies your card details (to avoid skimming/cloning)
• Never send your Credit Card number by email
• The Bank will never ask you to update your cards details online or via email.
• Report any request to do so immediately to the Bank.

Phone Transactions

• Don’t give your card details when you have initiated a call to a company you are not are familiar
  with.
• Keep your card in sight at all times to ensure no one copies your card details.

Pin Protection

• your PIN, don’t ever write it down.
• Never tell anyone else your PIN.
• Don’t choose a PIN that is easily associated with you e.g. your birth date.
• Don’t let anyone see your PIN when using ATMs or POS.
• Change your PIN periodically, and if you think it may have been compromised, change it immediately.
• Use a different PIN for different cards.

NOTE
If your card is stolen or lost or your PIN is compromised, Please notify us immediately.

What is an email scam?
Criminals are soliciting clients of financial institutions by email in an effort to illegally obtain personal information. The email and website addresses given may appear almost identical to those of legitimate financial institutions. In an attempt to trick you into supplying sensitive personal data, they will claim that there is a problem with an account and will provide a link to a site that may look authentic. You will be asked to input personal information such as Bank Account Numbers, Usernames, Passwords and Customer Access Codes. This fraudulent practice is often called “Phishing” or “Spoofing.”

If you receive an email that appears to be from Zenith Bank Plc and fits this criteria, contact us immediately:
Email: zenithdirect@zenithbank.com
Telephone: 234-1-2787000
Office Address: Plot 84 Ajose Adeogun Street, Victoria, Island, Lagos, Nigeria.

IMPORTANT: If you receive an email from an individual or a company requesting personal information or financial assistance, do not provide it or click on a link – even if it looks like a legitimate request.

Below is a sample of a Phishing e-mail:

…………………………………………………………………………………..
From: Zenith Bank Plc [mailto:service@zenithbankltd.com]
Sent: Monday, May 9, 2005 6:50 PM
To: Jonah, Chuks; jonah.chuks@consultant.com
Subject: Internet Banking Issue

Dear Zenith Bank valued customer,
Due to concerns, for the safety and integrity of the online banking community we have issued this warning message.

It has come to our attention that your account information needs to be updated due to inactive customers, fraud and spoof reports. If you could please take 5-10 minutes out of your online experience and renew your records you will not run into any future problems with the online service. However, failure to update your records may result in your account suspension. This notification expires on May 13, 2005.

Once you have updated your account records your internet banking service will not be interrupted and will continue as normal. Please follow the link below and renew your account information.

Zenith Bank Plc

How can I protect myself?

• Do not share your Online Banking Customer Access Code, Username and Password or any other login information, with anyone.
• Do not store this information on your computer. If you write your Customer Access Code/Password down, keep them in a safe place where they will not be easily found by others.
• If you receive an email and are not sure if it is legitimate, go directly to our website (http://www.zenithbank.com/) and login from there; do not click on the link provided in the email.
• Do not be intimidated by an email that suggests dire consequences if you do not provide the information immediately.

Dear Customer,
Please protect yourself online by following these simple steps:
1. NEVER divulge your full Internet banking access code, username and password or your ATM pin.
2. NEVER respond to an e-mail that asks for your confidential or personal security information.
3. ALWAYS verify the url where you are entering your login details. Our authentic internet banking url is: https://ibank.zenithbank.com/internetbanking/
4. Install and maintain anti-virus software
5. Install and activate a Personal Firewall
6. Keep your computer software up to date.

Customers of many banks and other financial institutions, including Zenith Bank have been receiving e-mails that appear to come from their own bank. These emails are examples of a common type of email fraud known as ‘phishing’. These e-mails are completely random and are not from Zenith Bank. They are fraudulent attempts to obtain personal details. Please, do not respond to them

At Zenith Bank we will never ask our customers for any personal information by e-mail or refer them to any url that did not emanate from Zenith. If you think you have received a fraudulent email referring you to such a url, before deleting it, please attach it to a new email and send it to itsecurity@zenithbank.com

If you think you may have responded to a phishing email with your Internet Banking logon details, please call us immediately on 0201-2784000, 2781594, 2781595.

Zenith Bank Plc

Online Security
Internet Banking is a safe way to make banking easier. However, there is to bank safely online.

Our Security Features
At Zenith Bank we know that issues like security, protection from fraud and personal privacy mean as much to you as they do to us. With that in mind, we have implemented advanced security measures on our website that employs 128-bit encryption, the highest level of protection for financial transactions. You can recognize this at the address bar which begins with ‘https’. This encryption technology ensures that data passing between your computer and the Bank is secure and that your accounts cannot be accessed by anyone else online. Our also requires the use of a unique customer access code, and password. This provides another layer of security.

Online Certificate
Online certificates are issued by trusted third party companies (e.g. Entrust) and let users know that a site is genuine and secure. On our Internet Banking, this is indicated by the padlock symbol at the bottom of your browser screen.

Firewall Protection
In addition to using encryption, we also have firewall protection software and devices that are used to prevent unauthorized access to our systems.

Your Responsibilities
At Zenith Bank, we view ourselves as your financial partner, which is why we are willing to go the extra mile to ensure you have complete confidence and peace of mind in your Internet Banking experience with us. In general;

• Never respond to an email that asks for your login or personal security details.
• Keep your customer , username and password confidential.
• Log off your account when leaving your computer. Just click log off at the top of the page when you are finished with your Internet Banking session. We have also tried to help in this regard by setting our Internet Banking service to automatically log you out after 10minutes of inactivity.
• Report any unauthorized activity immediately. Be sure to review your account activity or
  transaction history and report to us if there is any irregularity. Send email to zenithdirect@zenithbank.com or call us on 0201-2787000

Protection from Internet Fraudsters
Internet fraudsters purporting to be Zenith Bank staff have been sending scam emails to the public telling them about huge US Dollar deposits in their account. Please ignore any such email.
In response to this, we have a “Scam Alert” link on our website alerting the public about this.

Beware!!!
Please be informed that www.zenithbank.com remains the only authentic and genuine website of Zenith International Bank Limited whose registered head office is at Plot 84, Ajose Adeogun Street, Victoria Island, Lagos Nigeria.

• However, we have uncovered several fictitious websites of some unscrupulous persons sending emails, letters and telephone calls to unsuspecting members of the public by impersonating Directors or staff of the Bank and claiming:
  To have access to huge US dollar deposits in the Bank held in the names of deceased persons
• Huge US Dollar contract sums due for payment

Consequently, we expressly dissociate the Bank from any transaction entered into on the strength of such scam /correspondence or any other representation made via any of the fictitious websites/e-mail addresses. Also, be informed that our transactions on the internet are all in Nigerian legal tender i.e. NAIRA and not in other foreign currencies, such as Pounds Sterling, Dollars, etc. Please note that we do not initiate and/or conclude our banking transactions on the web.

The Bank will not be liable for any loss incurred by any person who deals with the imposters contrary to its advice.

In the event that you receive this kind of solicitation /letters, please disregard the senders.

Customers of many banks and other financial institutions, including Zenith have been receiving e-mails that appear to come from their own bank.
These e-mails are completely random and are not from Zenith Bank. They are fraudulent attempts to obtain personal banking details.
Please, do not respond to them.

At Zenith Bank we will never ask our customers for any personal information by e-mail or refer them to any that did not emanate from Zenith Bank. If you think you have received a fraudulent email referring you to such a , before deleting it, please attach it to a new email and send it to itsecurity@zenithbank.com

To protect yourself from these scam emails, always observe the following safety tips:

1. NEVER divulge your full Internet banking , Username and Password or your ATM PIN.
2. NEVER respond to an e-mail that asks for your confidential or personal security information.
3. ALWAYS verify the where you are entering your login details.
   Our authentic internet banking is: https://ibank.zenithbank.com/internetbanking/
4. Install and maintain anti-virus software.
5. Install and activate a Personal Firewall.
6. Keep your computer software up to date.

Please be informed that http://www.zenithbank.com remains the only authentic and genuine website of Zenith Bank Plc whose registered Head Office is at Plot 84, Ajose Adeogun Street, Victoria Island, Lagos, Nigeria.

However, we have uncovered several fictitious websites of some unscrupulous persons sending emails, letters and telephone calls to unsuspecting members of the public by impersonating Directors or staff of the Bank and claiming:

• To have access to huge US dollar deposits in the Bank held in the names of deceased persons.
• Huge US Dollar contract sums due for payment.
• To offer employment in the Bank on outrageous terms and conditions.

Consequently, we expressly dissociate the Bank from any transaction entered into on the strength of such scam mails/correspondence or any other representation made via any of the fictitious websites/e-mail addresses. Also, be informed that our transactions on the internet are all in Nigerian legal tender i.e. NAIRA and not in other foreign currencies, such as Pounds Sterling, Dollars, etc. Please note that we do not initiate and/or conclude our banking transactions on the web.

• The Bank will not be liable for any loss incurred by any person who deals with the imposters contrary to its advice.
• In the event that you receive this kind of solicitation mails/letters, please disregard the senders.

1. Log in to the Zenith Bank Mobile App.

• Select cards and cheques from the drop down menu
• Select Deactivate card under cheque and card request
• Confirm/select card number
• Enter a reason
• Click on continue, you would be asked to enter your 4 digit pin + token code or mobile pin (based on your mode of transaction validation)

Your card will be deactivated immediately.

2. Log in to the Zenith Bank Internet Banking Platform.

• Select Card from the menu options
• Select Deactivate card from the drop down menu
• Confirm/select card number
• Click on Deactivate card

Your card will be deactivated immediately.

3. Call Zenith Direct on 0201-278-7000.

4. Send an email to zenithdirect@zenithbank.com or cardservices@zenithbank.com

5. Visit the nearest Zenith bank branch to request for a card deactivation.

Simply follow any of these steps:

1. Deactivate your phone line immediately by contacting your network provider.
2. Send an email to zenithdirect@zenithbank.com
3. Call Zenith Direct on 0201-278-7000.
4. Contact Zenith Direct on our social media pages on Facebook, Twitter and Instagram.
5. Chat with us on our website www.zenithbank.com
6. Visit the nearest Zenith Bank branch.

Email: zenithdirect@zenithbank.com
Phone: 0201-278-7000, 0904-085-7000, 0700ZENITHBANK (0700-936-4842265)

General Enquiries
zenithdirect@zenithbank.com
0201-278-7000, 0904-085-7000, 0700ZENITHBANK (0700-936-4842265)

Account Opening
For questions about your current/savings/fixed deposit account or all other accounts –
zenithdirect@zenithbank.com
0201-278-7000, 0904-085-7000, 0700ZENITHBANK (0700-936-4842265)

Internet Banking
For questions about your Internet banking account-
zenithdirect@zenithbank.com
0201-278-7000

Card Services
For questions about your Card (MasterCard, Vpay, VisaCard and any other type of card)
cardservices@zenithbank.com
09040854901
Hotline: 0700ZENITHBANK (0700-936-4842265)

Corporate Internet Banking
For questions about our Corporate Internet Banking
eproductsupportunit@zenithbank.com
0201-278-7000, 0904-085-7000, 0700ZENITHBANK (0700-936-4842265)

Zenith Registrars Limited
For questions about our Corporate Internet Banking
enquiry@zenithregistrars.com
0201-2708930-4

E-Business
For questions about our e-products and services
ebusiness@zenithbank.com
0201-278-7000, 0904-085-7000, 0700ZENITHBANK (0700-936-4842265)

Zenith Insurance Company
For questions about our e-products and services
info@zenithinsurancecoy.com
0201-2783411, 2783421, 2701004-5, 4613704

Head Office Branch Our Head office is located at :
Plot 84, Ajose Adeogun Street, Victoria Island
Lagos, Nigeria.

Tel: 0700-ZENITH-BANK

ZenithDirect: 020 (1) 2787000, 
0700-ATM-ZENITH

ATM Unit: 0700-286-936484
0700-CARD-ZENITH

CARD Unit: 0700-2273-936484
Fax: 020 (1) 2618212

E-mail: zenithdirect@zenithbank.com

Please click here to view all our branches nationwide.

Thank you for giving us the opportunity to serve you. We are committed to giving you exceptional services unparalleled in the industry and welcome all of your comments and suggestions.