zenith bank

How to check Zenith Bank account balance and statement of account

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Last Updated on May 28, 2024 by admin

Zenith bank was established in May 1990, and commenced operations in July of the same year as a commercial bank.It was listed on the Nigerian Stock Exchange (NSE) on October 21, 2004 following a highly successful Initial Public Offering (IPO). Zenith Bank Plc .

Since the introduction of internet and Mobile banking, Zenith Bank has successfully transform it’s banking actives second to None.

Zenith Bank is using all modern technologies to server its customers. They put into use the USSD code for checking  bank account balance, pay bills and transfer money with any kind of phone from any where at customer comfort zone.

The introduction of Mobile and internet banking by zenith bank has increase their customers base,hence they can now transact their financial business 24/7 provided they can have access to their registered mobile phone.

Benefits of checking account balance on zenith bank

Checking your Zenith Bank account balance offers several benefits that contribute to better financial management and security:

  1. Track Spending: Regularly checking your balance allows you to monitor your spending habits and keep track of your income and expenses. This helps you identify areas where you can cut back and save money.

  2. Avoid Overdrafts: By knowing your available balance, you can avoid overdrawing your account and incurring costly overdraft fees.

  3. Detect Fraudulent Activity: Frequent balance checks can help you quickly detect any unauthorized transactions or suspicious activity on your account. This allows you to report fraud promptly and minimize potential losses.

  4. Budgeting: Knowing your account balance enables you to create a realistic budget and stick to it. You can allocate funds for different expenses and track your progress towards your financial goals.

  5. Financial Awareness: Staying informed about your account balance promotes financial awareness and helps you make informed decisions about your spending and saving habits.

  6. Peace of Mind: Knowing your available balance provides peace of mind, especially when making purchases or planning expenses.

  7. Convenience: Zenith Bank offers multiple convenient ways to check your balance, including:

    • USSD code: Dial 96600# from your registered phone number
    • Mobile App: Use the Zenith Bank mobile app
    • Internet Banking: Log in to your online banking account
    • ATM: Visit any Zenith Bank ATM
    • Phone Banking: Call Zenith Bank’s customer service
    • Branch Visit: Visit your nearest Zenith Bank branch

You can also read: Zenith bank ussd code*966#:How to transfer money,create PIN and buy recharge card

How to check Zenith bank account balance?

Zenith Bank offers multiple ways to check your account balance:

1. USSD Code:

  • Dial: *966*00# from your registered phone number (the one linked to your Zenith Bank account).
  • Follow Prompts: Follow the on-screen instructions. For first-time users, you’ll be asked to register by entering the last 4 digits of your debit card and creating a PIN.

2. Zenith Bank Mobile App:

  • Download: Download the Zenith Bank mobile app from Google Play Store or Apple App Store.
  • Log In: Log in to the app using your credentials.
  • View Balance: Your account balance will be displayed prominently on the home screen.

3. Internet Banking:

  • Log In: Visit the Zenith Bank website and log into your internet banking account.
  • View Balance: Your account balance and transaction history will be available on the account summary page.

4. ATM:

  • Visit: Go to any Zenith Bank ATM.
  • Insert Card & PIN: Insert your debit card and enter your PIN.
  • Balance Inquiry: Select the “Balance Inquiry” option to view your account balance on the screen.

5. ZiVA (Zenith Intelligent Virtual Assistant):

  • WhatsApp: Add the Zenith Bank ZiVA WhatsApp number (+234 704 000 4422) to your contacts and say “Hi.”
  • Chat: Ask ZiVA for your account balance and follow the prompts.

6. Bank Statement:

  • Request: You can request a printed or electronic bank statement through internet banking or by visiting a branch. Your statement will show your account balance and transaction history.

7. Phone Banking:

  • Call: Contact Zenith Bank’s customer service number and provide your account details to inquire about your balance.

Each customer of Zenith Bank can now check their account balance via USSD. But to carry the operation you will need to register for it.

How to Create Zenith bank USSD PIN/Registration

To create a Zenith Bank USSD PIN, you’ll need to register for their *966# EazyBanking service if you haven’t already. Here’s how:

Registration:

  1. Dial *966*00#: Use the phone number linked to your Zenith Bank account.
  2. Enter Debit Card Details: You’ll be asked to enter the last four digits of your Zenith Bank debit (ATM) card.
  3. Verify Account Name: The next screen will display your account name for confirmation.
  4. Create PIN: You’ll be prompted to create a 4-digit PIN.
  5. Confirm PIN: Re-enter the 4-digit PIN to confirm.

How to check Zenith bank account balance

 

Zenith Bank offers multiple ways to check your account balance:

1. USSD

  1. Dial *966*00#
  2. The short code must be sent using your AlertZ number which must be a GSM phone.
  3. For first time service, you will be prompted to register by entering the last 4 digits of your Debit Card (MasterCard or Visa)
  4. Create 4 digit PIN.
  5. Confirm PIN.
  6. You will see a message “Retrieving balance.

2. Zenith Bank Mobile App:

  • Download: Download the Zenith Bank mobile app from Google Play Store or Apple App Store.
  • Log In: Log in to the app using your credentials (username and password) or fingerprint.
  • View Balance: Your account balance will be displayed prominently on the home screen dashboard.

3. Internet Banking:

  • Log In: Visit the Zenith Bank website and log into your internet banking account using your credentials.
  • Account Summary: Your account balance and transaction history will be available on the account summary page.

4. ATM:

  • Visit: Go to any Zenith Bank ATM.
  • Insert Card & PIN: Insert your debit card and enter your PIN.
  • Balance Inquiry: Select the “Balance Inquiry” option on the ATM screen to view your available balance.

5. ZiVA (Zenith Intelligent Virtual Assistant):

  • WhatsApp: Add the Zenith Bank ZiVA WhatsApp number (+234 704 000 4422) to your contacts and say “Hi.”
  • Chat: Ask ZiVA for your account balance and follow the prompts.

6. Bank Statement:

  • Request: You can request a printed or electronic bank statement through internet banking or by visiting a branch. Your statement will show your account balance and transaction history.

7. Phone Banking:

  • Call: Contact Zenith Bank’s customer service number and provide your account details to inquire about your balance.

 

You can also read:Access Bank *901# USSD: How to transfer money,buy Airtime and create PIN

How to buy airtime from zenith bank

2. Zenith Bank Mobile App:

  • Log into the app using your credentials.
  • Navigate to the “Airtime Top-up” or similar section.
  • Enter the mobile number and select the network provider.
  • Enter the amount of airtime you want to purchase.
  • Confirm the transaction.

3. Zenith Bank Internet Banking:

  • Log into your internet banking account through the Zenith Bank website.
  • Go to the “Payments & Transfers” section.
  • Select “Airtime Top-up” or a similar option.
  • Enter the recipient’s details (mobile number and network provider) and the amount.
  • Confirm the transaction.

4. Zenith Bank ATMs:

  • Visit any Zenith Bank ATM.
  • Insert your debit card and enter your PIN.
  • Select “Airtime Recharge” or a similar option.
  • Follow the on-screen prompts to complete the purchase.

5. ZiVA (Zenith Intelligent Virtual Assistant):

  • Add the Zenith Bank ZiVA WhatsApp number (+234 704 000 4422) to your contacts and say “Hi.”
  • Request to buy airtime and follow the prompts.

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How to transfer money from Zenith bank

Zenith Bank offers several options for transferring money within and outside the bank:

1. Zenith Bank Mobile App or Internet Banking:

This is the most convenient way to transfer funds. After logging in, follow these steps:

  • Select “Transfer”: Look for the transfer or payments section in the app or online banking platform.
  • Choose Recipient: Select the recipient’s bank (Zenith or another bank).
  • Enter Details: Input the recipient’s account number and the amount you wish to transfer.
  • Confirm: Review the details and confirm the transfer.
  • Authenticate: You may need to enter a transaction PIN or use a token to authorize the transfer.

How to Retrieve Zenith bank card PIN

There are several ways to retrieve your Zenith Bank card PIN:

  1. Call ZenithDirect:

    • Call the ZenithDirect customer service line on 234-1-2787000 or 0700ZENITHBANK.
    • Select option 4 to speak with an executive who can assist you in resetting your PIN.

  2. Visit a Zenith Bank Branch:

    • Go to the nearest Zenith Bank branch.
    • The Customer Service Unit will be able to help you reset your PIN.

  3. *Reset via USSD (for 966# EazyBanking PIN):

    • Dial *966*60#
    • Select option 4 “Reset PIN”

How to Manage zenith bank cardless withdrawal

 

Zenith Bank offers a cardless withdrawal service through their USSD banking platform (*966#), allowing you to withdraw cash from a Zenith ATM without your physical card. Here’s how to manage it:

Creating a Cardless Withdrawal Code:

  1. Dial *966*60# from your registered phone number.
  2. Select option 7 for “Cardless Withdrawal.”
  3. Choose the account to debit for the withdrawal.
  4. Enter the desired withdrawal amount.
  5. You’ll receive a One-Time Password (OTP) for verification.
  6. Enter the OTP to confirm.
  7. You’ll receive a Cardless Withdrawal code (usually 8 digits) and a 4-digit PIN.

Making a Cardless Withdrawal at the ATM:

  1. Go to any Zenith Bank ATM.
  2. Select “Cardless Withdrawal” on the screen.
  3. Enter the 8-digit code you received.
  4. Enter the 4-digit PIN.
  5. Choose the amount you want to withdraw (within the pre-set limit).
  6. Collect your cash.

Cancelling a Cardless Withdrawal Code:

  1. Dial *966*60# from your registered phone number.
  2. Select option 7 for “Cardless Withdrawal.”
  3. Choose the option to cancel the code.
  4. Enter the Cardless Withdrawal code you wish to cancel.
  5. Confirm cancellation.

How to Perform USSD on POS

To perform a USSD transaction on a POS (Point of Sale) terminal, you can use a service called C’Gate, which is available for Zenith Bank customers and possibly other banks in Nigeria.

Here’s how it works:

  1. Cashier Initiates Transaction: The cashier at the POS terminal selects the C’Gate USSD option and enters the transaction amount.
  2. Reference Code Generated: A unique reference code is displayed on the POS terminal.
  3. Customer should Dial *966*000# and enter your POS Reference code and followed prompt
  4. Transaction Details: The customer’s phone displays the merchant details and transaction amount for confirmation.
  5. Customer Enters PIN: The customer enters their bank’s USSD PIN to authorize the payment.
  6. Transaction Completion: The transaction is processed, the customer is debited, and the POS terminal prints two receipts.

Example for Zenith Bank:

If you are a Zenith Bank customer, you would dial *966*000*Reference Code# to complete the transaction.

Benefits of USSD on POS:

  • Convenience: Allows customers to make payments without a physical card.
  • Security: Reduces the risk of card fraud as the card is not physically present.
  • Accessibility: Works on any mobile phone, even without internet access.

To perform USSD on POS Transaction simply dial *966*000# and enter your POS Reference code.

How to Block zenith bank Card

Zenith Bank provides several options to block your card in case of loss, theft, or suspected unauthorized usage:

1. USSD Code:

  • Dial 966911# from your registered phone number.
  • Follow the prompts: Enter your account number and the phone number linked to your Zenith Bank alert service.
  • Confirm: Press 1 to block your card immediately.

2. Zenith Bank Mobile App:

  • Open the App: Log in to the Zenith Bank mobile app.
  • Locate “Card Services”: Find the section for card services or card management.
  • Select “Block Card”: Choose the card you want to block and follow the on-screen instructions.

3. Internet Banking:

  • Log In: Access your Zenith Bank internet banking account.
  • Navigate to “Card Services”: Find the section for card services or card management.
  • Select “Block Card”: Choose the card you want to block and follow the instructions.

4. ZenithDirect (Automated Voice Banking):

  • Call: Dial +234 (1) 278 7000 from your registered phone number.
  • Select Option: Follow the voice prompts to select the option for blocking your card.

5. Visit a Branch:

  • Go to Branch: Visit the nearest Zenith Bank branch.
  • Customer Service: Inform the customer service representative that you want to block your card. Provide the required information and identification.

Important Notes:

  • Blocking vs. Hotlisting: Blocking your card temporarily stops transactions, while hotlisting permanently deactivates it. If you find your card later, you can unblock it.
  • New Card: After blocking your card, you can request a new one from Zenith Bank.

Remember that blocking your card is a crucial step in protecting yourself from unauthorized transactions. Act quickly if you suspect your card is lost, stolen, or compromised.

 

How to Retrieve Zenith bank card PIN

If you’ve forgotten your PIN, you’ll need to reset it. Here’s how you can reset your Zenith Bank card PIN:

1. Call ZenithDirect:

  • Call the ZenithDirect customer service line on +234-1-2787000 or 0700ZENITHBANK.
  • Select option 4 to speak with an executive who can assist you in resetting your PIN.

2.You may also Visit a Zenith Bank Branch:

  • Go to your nearest Zenith Bank branch.
  • Ask the customer service representative to help you reset your PIN. You’ll need to provide identification and answer security questions.

 

How to open Zenith bank account

 

Zenith Bank offers several ways to open an account, catering to different preferences and needs:

1. Online Account Opening:

  • Visit: Go to Zenith Bank’s online account opening platform:
  • Fill out the form: Provide your personal information, contact details, employment information, and choose the account type you want (Savings or Current).
  • Submit: Review the information and submit the form online.
  • Verification: Zenith Bank will verify your details and may contact you for further information.
  • Account Activation: Once verified, your account will be activated, and you can start using it.

2. Branch Visit:

  • Locate: Find your nearest Zenith Bank branch.
  • Fill out the form: Obtain and complete the account opening form.
  • Documents: Submit the form along with the required documents (valid ID, proof of address, passport photograph, etc.).
  • Verification: The bank staff will verify your information and process your application.
  • Account Activation: Your account will be activated, and you’ll receive your account details.

3. Zenith Bank Mobile App:

  • Download: Download the Zenith Bank mobile app from Google Play Store or Apple App Store.
  • Open Account: Open the app and follow the instructions to open an account.
  • Fill Form: Provide the necessary information and upload the required documents.
  • Verification: The bank will verify your details and activate your account.

4.Dial *966*0# and follow the onscreen prompts. An account number will be created automatically and sent to you via SMS. Account opening forms are NOT required for the signup process. Once you sign up, look out for your ten-digit account number (NUBAN).

Required Documents:

  • Valid Identification: Driver’s License, International Passport, National Identity Card, or Voter’s Card.
  • Proof of Address: Utility bill (PHCN, water, waste), tenancy agreement, or bank statement.
  • Passport Photograph: One recent passport-sized photograph.
  • Other Documents: Depending on the account type and your residency status, you might need additional documents like a BVN (Bank Verification Number), NIN (National Identification Number), or residence permit.

Account Types:

Zenith Bank offers various account types to cater to different needs:

  • Savings Account: Ideal for individuals who want to save money and earn interest.
  • Current Account: Suitable for businesses or individuals who need to make frequent transactions.
  • Domiciliary Account: For holding foreign currencies.
  • Other specialized accounts: Zenith Bank also offers tailored accounts for students, children, and more.

Frequently Asked Questions

 

Q: How can I check my Zenith Bank account balance?

You have several options:

  • USSD code: Dial *966*00# from your registered phone number.
  • Zenith Bank Mobile App: Log into the app and view your balance on the dashboard.
  • Internet Banking: Log into your Zenith Bank internet banking account and view your balance.
  • ATM: Visit any Zenith Bank ATM and select the “Balance Inquiry” option.
  • ZiVA (Zenith Intelligent Virtual Assistant): Chat with ZiVA on WhatsApp (+234 704 000 4422) and ask for your balance.
  • Phone Banking: Call Zenith Bank’s customer service number.
  • Branch Visit: Visit your nearest Zenith Bank branch and request your balance.

Q: How can I check my Zenith Bank statement of account?

You can check your statement through:

  • Zenith Bank Mobile App: View and download your statement within the app.
  • Internet Banking: Log into your online banking account, navigate to the “Statements” section, and view or download your statement.
  • Branch Visit: Request a printed statement from your nearest branch.
  • Email: If you’ve registered for e-statements, you’ll receive them via email.

Q:Is there a charge for checking my balance or statement?

Checking your balance via USSD or the mobile app is typically free. However, there might be charges for printed statements or requesting statements for a specific period.

Q; How often can I check my balance?

You can check your balance as often as you need through the available channels.

Q;Why can’t I see my updated balance on the app or USSD?

There might be a slight delay in updating your balance after a transaction. Try again later or check through another channel like internet banking.

Q; What if I forget my PIN for USSD banking?

You can reset your USSD PIN by dialing *966*60# and following the prompts.

Q:I have a problem accessing my statement. What should I do?

Contact Zenith Bank customer service for assistance.

Q: Can I check my balance or statement if I’m outside Nigeria?

Yes, you can use the mobile app or internet banking if you have an internet connection. You can also call the Zenith Bank customer service line.

 

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