How To Transfer Money From Zenith Bank and When To Use the SWIFT Code

Zenith bank is one of the financial institutions that render banking and financial services to corporate and individual customers in Nigeria. The bank operates under the Corporate Retail and Pension Custodial Services in and out of Nigeria. Since its inception on May 30, 1990, Zenith bank has been under a series of financial development and transformations aimed at offering the best financial services to customers. Regarding technological advancement, it remains one of the banks to adopt USSD transfer codes and other online banking services. Zenith Bank USSD code has been used to curb the stress of moving to the bank to carry out transactions.

Furthermore, Zenith bank has continuously invested in human capacity building to achieve the best trained technologically advanced personnel. Part of the result is the trusted and heavily secured online and offline services rendered by the bank, which largely eliminated the stress encountered by customers previously.

Different Means of Transfering Money From Zenith Bank

Zenith Bank Plc has provided different ways of conducting fund transfers for customers. These methods were designed putting into consideration time management and also must be user-friendly for customers’ use. Below are the different options provided for customers to handle fund transfer:

  • Zenith Bank Mobile Application
  • Zenith Bank USSD Transfer Code
  • Zenith Bank Online Banking Platform
  • ATM Terminals
  • Transfer using any Zenith Bank Branch

Zenith Bank Mobile Application Funds Transfer

This is software designed to render Zenith Bank-related quick financial services to customers. The software runs on installation into any internet-enabled mobile device. Aside from funds transfer, the app can be used for other things like paying bills, recharging mobile phone numbers, etc. Note the bank application is not restricted to mobile phones only; it also has a PC version.

How to Download The Zenith Bank Application

Before downloading the application using your mobile phone, make sure you have enough space on your mobile phone.

  • Open the Google Play Store on your mobile device or type google play store using your browser.
  • Move to search for apps and games.
  • Type Zenith bank mobile app.
  • Click on the install button.

To download the Application on your Personal Computer:

  • From the browser, click on this link.
  • Select the most suitable for your PC either by clicking on getting on google play store or downloading it from the Apple store.
  • The next page gives your option to commence the download and installation of the application.

How to Register The Application on Your Device

To successfully register your Zenith Bank Application on either your PC or mobile phone device, there are three available options, and they include:

  • Registration using your Hardware Token.
  • Registration using the Debit Card.
  • Registration using the OTP.

Registration Using Your Hardware Token

  • Open the application.
  • Input the account number and press continue.
  • Choose the hardware token option and input PIN plus Token digits provided from the token device.
  • Get and confirm the six-digit number as your password.
  • Select and confirm the mobile PIN four digits password.
  • Click on submit.

Registration using the Debit Card

  • Open the Zenith Bank Application.
  • Input your Account number and then press continue.
  • Next is to Select a Card and then enter the last six digits of the card and also the card PIN in the spaces provided.
  • Next is to create and confirm the Six digits Password and also to create and confirm the Mobile PIN four digits number.

Registration using the OTP

  • Open the downloaded Zenith Bank Application.
  • Input the Account Number and press continue.
  • Select the OTP option.
  • The next is to choose and confirm the six-digit password and select and confirm the App four-digit PIN.
  • Then type in the OTP numbers that will be sent to your phone through SMS.

Note the SMS will be sent to the phone number you used in registering the account.

In all the above options, users are to log in using the Account Number as the username the six digits as password.

How to Transfer Funds to Zenith Bank Using The Mobile App

  • Login to your Zenith Bank Mobile Application using the account number and six digits password
  • Move to the transfer segment and select transfer to Zenith Account Number.
  • Input all the required details for the Zenith to Zenith transfer.
  • Confirm the recipient’s account number with the account name
  • Proceed to a payment confirmation page and type in the token number gotten either from the token device or through SMS.
  • Input your transfer PIN.
  • Press proceed to conclude the transfer process.

How to Transfer Money to Other Banks using Zenith Bank Application

Below are the steps necessary in transferring money from Zenith Bank to other bank accounts:

  • Log into your Zenith Bank Application either with your PC or mobile device using your account number and secret six-digit number as user name and password, respectively.
  • Scroll to the transfer option and choose transfer to other bank accounts.
  • Enter the recipient’s bank details like the recipient’s bank name, account number, and others.
  • The application will verify the inputted account number and then present you with the recipient’s name.
  • The next stage is token code generation. Then click on proceed.

Note that transfer to other banks within Nigeria has an attributed charge. And you can not transfer money to banks outside Nigeria using this platform.

Daily Transfer Limit Using Zenith Bank App and How to Increase the Limit

Zenith Bank Electronic and Internet banking share the same credit limit on daily transactions. They have a One hundred thousand Naira (N100,000) daily transfer limit. To get the daily limit upgraded, the following steps are required:

  • Go to any Zenith Bank branch and request for hardware token, which costs 3,500.
  • Log in to Zenith Bank online banking.
  • Scroll to Settings.
  • Click on transfer limit.
  • Choose your Account and select the maximum transfer limit ( Five million naira daily limit for zenith bank to zenith bank and two million five hundred thousand for zenith to other banks daily transfer limit).
  • Generate a token using the purchased token hardware and input on the provided space.
  • Finally, a message will be delivered confirming your success in the increase of the transfer limit.

Zenith Bank USSD Transfer Code

This Zenith Bank USSD transfer code platform was created as part of the Zenith Bank mobile banking to enable customers to access some of the bank’s immediate services. The Bank USSD Code is *966#. Before a customer can use the USSD transfer code, there are requirements before the activation process.

Requirements for Using *966#

  • Must have a Zenith bank account.
  • Must a phone which can make calls.
  • Must have a phone number that is linked to the Zenith bank account.

How to Activate the Zenith Bank USSD Transfer Code

  • On the mobile phone, dial *966# using the line linked to your account.
  • Follow the instructions on the screen
  • Input the Zenith account number
  • Then create the four-digit personal numbers. By first submitting the last four digits of the debit card, after which a new four-digit number will be requested.
  • Re-submission of the New four-digit code will be required for proper confirmation.

By this, a customer has fully registered and activated the USSD Transfer code.

How Can I Use The Zenith Bank USSD Code for Transfer?

  • Dial *966# using your mobile phone.
  • Press 6 to select the transfer option.
  • Select option Zenith bank recipient.
  • Next is to input the recipient’s account number.
  • The recipient’s name will appear to confirm the account number.
  • Input your four-digit number.

For a shortcut, use this process: *966*amount*recipients account number* four-digits PIN#. Then send

How to Transfer Money To Other Banks Using *966#

  • Dial *966*Amount*Account Number#
  • Chose the bank you are transferring to from the list of banks provided.
  • Confirm the recipient’s name with the name provided.
  • Input the PIN.

Daily Transfer Limit for Zenith Bank USSD Transfer Code and How to Increase the Limit

Using the mobile USSD Transfer code, a customer is entitled to a daily transfer limit of Twenty Thousand Naira only. However, the daily credit limit can further be increased on request.

To Increase the daily credit limit

Customers are advised to go and request on any nearby zenith bank branch and go through the customer service section.

Zenith Bank Online Banking Platform

The bank provided a web page for customers to carry out their transactions. The Zenith Bank online banking is simply a banking activity provided right in your palms. Click here to log into Zenith Bank’s online banking platform.

Requirements To Register For The Online Banking Service

  • A registered customer of Zenith Bank with an account number.
  • Must have an internet-enabled mobile phone or electronic device.
  • Must have a working internet subscription.
  • Must register the Zenith Bank Internet Banking services.

Details On How to Log in to Zenith Bank Online Banking 

Details on how to log into the Zenith Bank Online Banking platform can be segmented into two parts:

  • How to register for online banking.
  • How to login

How to Register For Online Banking

  • Go to the Zenith bank official website by clicking here
  • Scroll down and Tap on internet banking to begin the registration process.
  • Select the Signup button.
  • Download the Zenith Bank online banking application form, which is in PDF format.
  • Get the form copied into a USB flash drive.
  • Get a printed document of the internet banking application form.
  • Input your name at the section for the account name.
  • Input the Zenith Bank account number.
  • Give the account registered email address in the section for the email address.
  •  If you have other accounts with Zenith bank, indicate them in the section provided or leave it blank if you don’t have one.
  • Input other Zenith Account numbers if there are any.
  • Go to any close by Zenith Bank branch and submit the application form.

The bank informs the date to collect the login details.

How to Login to The Online Banking Service in Nigeria

  • Go to the Zenith Bank online banking website by clicking here
  • Tap on the arrow pointing downwards select the way you want to log in.
  • Select to log in with Password or PIN and proceed to the online banking account.
  • Enter the Account number.
  • Input either the Password or PIN.
  • Tap the login button.

How to Transfer Money Using the Online Banking Service

  • Log in to Zenith Bank’s online banking platform by clicking here.
  • Select personal or corporate account.
  • Input your Login details.
  • Scroll to the transfer section and select either transfer to Zenith bank account or Other banks.
  • Either you generate a token number from your token device or use a token sent as an SMS or email.
  • Cross check to see that your information is correct, especially the recipient’s information Press proceed.

Don’t forget that there is a charge for transferring money to other bank accounts.

Daily Transfer Limit for The Online Internet Banking and How to Increase the Limit

Zenith bank has a daily transfer limit of N100,000.

To increase the transfer limit

  • Go to any Zenith Bank branch and request for Hardware token, which costs 3,500.
  • Log in to Zenith Bank online banking.
  • Scroll to Settings.
  • Click on Transfer limit.
  • Choose your Account and select the maximum transfer limit (Five million naira daily limit for zenith bank to zenith bank and two million five hundred thousand for zenith to other banks daily transfer limit).
  • Generate a token using the purchased token hardware and input on the provided space.
  • Finally, a message will be delivered confirming your success in the increase of the transfer limit.

Can I Do a Zenith Bank Transfer at the ATM?

Zenith bank has enabled transferring money through any ATM of your choice as long as your ATM debit card is available. Steps to transfer money using the ATM:

  • Go to any ATM and insert your debit card.
  • Select the language of your choice.
  • Input the debit card PIN and tap continue.
  • Select the fund transfer button.
  • Type in the beneficiaries bank and the account number.
  • Select account type if Savings account or current account.
  • Input the amount to be transferred and tap continue to successfully transfer the money.

Daily Credit Limit For ATM Debit Card Transfer

Using a Zenith bank ATM debit card, the daily transfer limit is Forty Thousand Naira per transaction and a total of five transactions per day, giving a total transaction limit of Two Hundred Thousand Naira only.

To Increase The Daily Credit Limit

Customers are advised to go and request on any nearby zenith bank branch through the customer service section.

What Is Zenith Bank Swift Code?

SWIFT means the Society for Worldwide Interbank Financial Telecommunications. This is a network that corporate financial organizations use in transmitting information and instructions using a code between registered members of the SWIFT body, which comes in the form of a message. Zenith Bank joined the SWIFT body in 1998 and has been a member to date. Below is the Zenith Bank SWIFT Code.

Branch code XXX

A detailed breakdown of the meaning of the SWIFT code:

ZEIB Branch code
NG Country code
LA Location code
XXX Branch code


When to Make Use of the SWIFT code

The SWIFT code is needed when transferring funds from Zenith bank to a foreign bank account. The SWIFT code helps track the transaction from its source to the recipient bank outside the country.


Featured Today

Read This Next