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BANKING · QUARTERLYas of 2026-07-28

Zenith Bank: USSD Code, Transfer Charges, SWIFT Code & Rates

Commercial bank · Zenith · 100 Lagos branches · ₦5M NDIC coverage

AT A GLANCE
SWIFT
ZEIBNGLA
USSD
*966#
Savings rate
1.5–4%
Fixed deposit
15–24%
WHY THIS BANK

Dem give the highest fixed deposit rate among big bank. Strong for company matter. Loan fit reach ₦10M.

Second biggest bank if you talk asset. Dem sabi corporate banking and fixed deposit rate high. Dem collect ₦25 billion from maintenance charge for Q1 2026.

ABOUT Zenith Bank
Bank profile · we don verify am

Zenith Bank na Commercial bank (CBN license, NDIC dey insure am) wey dem start for 1990 (36 years ago), and na Zenith Bank Plc dey operate am. For 2026 e dey serve about 25M+ customers through 395 branch nationwide.

Dem start am
1990 · 36 years dey serve Nigerians
Owner company
Zenith Bank Plc
Customer base
25M+
Branch for Nigeria
395
Bank type
Commercial bank (CBN license, NDIC dey insure am)
Website
zenithbank.com
HEAD OFFICE
Zenith Bank headquarters
Address
Plot 84 Ajose Adeogun Street, Victoria Island, Lagos, Lagos
See am for OpenStreetMap →Get direction →
CHARGES
CBN-regulated · effective May 2026
Transfer <₦5,000
FREE
Transfer ₦5,000–₦50,000
₦10
Transfer >₦50,000
₦50
SMS alert
₦6 / SMS
Email alert
FREE
ATM card issuance
₦1,500
ATM card maintenance· scrapped May 2026
FREE
Virtual card
FREE
Current acct maintenance· ₦0 from 2027
₦0.5/₦1,000
Hardware token
₦2,500
Min opening balance
₦0
NDIC coverage
₦5M NDIC coverage
TRUE YEARLY COST
at typical use

If you dey do 20 transfer, 4 other-bank ATM visit, and 30 SMS alert every month:

Zenith₦4,560/year

₦2,160 more than Kuda (₦2,400/yr). That na 0 bags of rice.

Compare with all 23 bank →
HOW TO OPEN ACCOUNT

Time to open: 15 minute · Online through app

UNIQUE FEATURES
*966# EazyBanking

USSD banking for any phone. Transfer, airtime, bill payment.

ZenithDirect

Corporate internet banking wey most Nigerian company dey use for payroll and vendor payment.

Zenith Save

Auto-save into lock pot with tiered interest rate — one of the traditional-bank savings wey dey earn better.

Highest-capitalised bank

Zenith na among the top 2 Nigerian bank by shareholder fund — stability signal for person wey deposit.

LAGOS BRANCHES · SORT CODES
3 branches
BranchAreaSort code
Zenith Bank Ikeja
Allen Avenue
Ikeja057-150026
Zenith Bank Lekki
Admiralty Way, Lekki Phase 1
Lekki057-150039
Zenith Bank Victoria Island
Ajose Adeogun St
Victoria Island057-150013
APP RATINGS & CONTACT
iOS rating
4.5 / 5
Android rating
4.3 / 5
Lagos branches
100
Lagos ATMs
350
zenithbank.com →
QUESTIONS PEOPLE DEY ASK PASS
Answer about Zenith Bank
Wetin be Zenith Bank USSD code?
Zenith Bank USSD banking code na *966#. Dial am from any phone wey link with your account to transfer money, check balance, buy airtime, or pay bills — no data or app need.
Wetin be Zenith Bank SWIFT / BIC code?
Zenith Bank SWIFT/BIC code na ZEIBNGLA. Use am when you dey collect international wire transfer to your Zenith Bank account.
Wetin be Zenith Bank transfer charges?
bankingDetail.faqTransferA
Wetin be Zenith Bank savings account interest rate?
Zenith Bank dey pay 1.5%–4% per year on savings account balance (as of 2026). Real rate depend on balance tier and account type.
Wetin be Zenith Bank fixed deposit rate?
Zenith Bank dey offer 15%–24% on fixed deposit, e depend on tenor (30, 60, 90, 180 or 365 days). Higher amount and longer tenor go earn better rate.
Where Zenith Bank head office dey?
Zenith Bank headquarters dey at Plot 84 Ajose Adeogun Street, Victoria Island, Lagos, Lagos, Nigeria.
NDIC dey insure Zenith Bank?
Yes. Deposit for Zenith Bank dey insured by Nigeria Deposit Insurance Corporation (NDIC) up to ₦5,000,000 per depositor per bank.
How I fit contact Zenith Bank customer service?
Website: zenithbank.com. Phone: —. Head office visit: Victoria Island, Lagos.
COMPARE WITH OTHERS
FeatureZenithKudaGTB
SMS fee₦6FREE₦4
Transfer ₦5K-₦50K₦10₦10₦10
Savings rate4%12%4%
NDIC₦5M₦2M₦5M
App rating4.5/54.5/54.8/5
Yearly cost₦4,560₦2,400₦3,840
RELATED
SWIFT CODE
ZEIBNGLA

For international transfer — see which remittance platform dey give the most naira.

SAVINGS vs STOCKS
4% vs NGX +55% YTD

Where ₦1M dey grow faster — savings or NGX stock?

IN RICE BAGS
₦4,560 = 0.1 bags rice

Yearly banking charge for Lagos market term.

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