Zenith Bank: USSD Code, Transfer Charges, SWIFT Code & Rates
Commercial bank · Zenith · 100 Lagos branches · ₦5M NDIC coverage
Highest fixed deposit rates among big banks. Strong corporate banking. Up to ₦10M loans.
Second-largest bank by assets. Premium corporate banking. Earned ₦25 billion from maintenance charges in Q1 2026 — the highest of any bank.
Zenith Bank is a Commercial bank (CBN-licensed, NDIC-insured) founded in 1990 (36 years ago), operated by Zenith Bank Plc. As of 2026 it serves approximately 25M+ customers through 395 branches nationwide.
- Founded
- 1990 · 36 years serving Nigerians
- Parent company
- Zenith Bank Plc
- Customer base
- 25M+
- Branches nationwide
- 395
- Bank type
- Commercial bank (CBN-licensed, NDIC-insured)
- Website
- zenithbank.com
- Address
- Plot 84 Ajose Adeogun Street, Victoria Island, Lagos, Lagos
If you make 20 transfers, 4 other-bank ATM visits, and 30 SMS alerts per month:
₦2,160 more than Kuda (₦2,400/yr). That's 0 bags of rice.
Compare with all 23 banks →Time to open: 15 minutes · Online via app
- Bank Verification Number (BVN)Mandatory for all Nigerian bank accounts. Get one at any bank branch for free.
- Valid IDNational ID (NIN), International Passport, Voter's Card, or Driver's Licence.
- Passport photographRecent passport-sized photo. The mobile app may accept a live selfie instead.
- Utility billAddress verification. Electricity bill, water bill, or tenancy agreement (last 3 months).
- Minimum opening balance₦0 for savings accounts. ₦5,000-₦10,000 for current accounts.
USSD banking on any phone. Transfer, airtime, bill payment.
Corporate internet banking platform used by most Nigerian mid-cap and large companies for payroll and vendor payments.
Auto-save into a locked pot with tiered interest rates — one of the higher-earning traditional-bank savings products.
Zenith is consistently among the top 2 Nigerian banks by shareholder funds — a stability signal for depositors.
| Branch | Area | Sort code |
|---|---|---|
| Zenith Bank Ikeja Allen Avenue | Ikeja | 057-150026 |
| Zenith Bank Lekki Admiralty Way, Lekki Phase 1 | Lekki | 057-150039 |
| Zenith Bank Victoria Island Ajose Adeogun St | Victoria Island | 057-150013 |