Keystone Bank: USSD Code, Transfer Charges, SWIFT Code & Rates
Commercial bank · Keystone · 25 Lagos branches · ₦5M NDIC coverage
Budget bank. Focus on retail and small business.
Small bank. 200+ branch. Focus on retail and consumer banking.
Keystone Bank na Commercial bank (CBN license, NDIC dey insure am) wey dem start for 2011 (15 years ago), and na Private consortium (2023) dey operate am. For 2026 e dey serve about 3M+ customers through 150 branch nationwide.
- Dem start am
- 2011 · 15 years dey serve Nigerians
- Owner company
- Private consortium (2023)
- Customer base
- 3M+
- Branch for Nigeria
- 150
- Bank type
- Commercial bank (CBN license, NDIC dey insure am)
- Website
- keystonebankng.com
- Address
- Keystone Bank Crescent, off Adeola Odeku Street, Victoria Island, Lagos, Lagos
If you dey do 20 transfer, 4 other-bank ATM visit, and 30 SMS alert every month:
₦1,440 more than Kuda (₦2,400/yr). That na 0 bags of rice.
Compare with all 23 bank →Time to open: 15 minute · Online through app
- Bank Verification Number (BVN)Compulsory for all Nigerian bank account. Get one for any bank branch free.
- Valid IDNational ID (NIN), International Passport, Voter Card, or Driver Licence.
- Passport photographRecent passport-size photo. The mobile app fit accept live selfie instead.
- Utility billAddress verification. Electricity bill, water bill, or tenancy agreement (last 3 months).
- Minimum opening balance₦0 for savings account. ₦5,000-₦10,000 for current account.
Keystone come out from CBN 2011 resolution of Bank PHB. AMCON recently sell am to private consortium for 2023.
AMCON exit Keystone for 2023, sell am to private consortium. Product change and rebranding still dey happen.
Keystone don stay for traditional retail banking — no major digital-first push. Fee structure dey reflect legacy operation.
Keystone dey participate for CBN agricultural lending programme, especially for rice and maize farmer.