How to Open a Bank Account Online in Nigeria (2025 Guide)

Gone are the days when you had to spend hours in a banking hall, queuing with documents in hand, just to open a simple account. Today, Nigerian banks have made it easy to open a bank account online from the comfort of your home. With just your phone or computer, you can create and fund an account without stepping into a branch.

This article will walk you through the process, starting with Access Bank, one of Nigeria’s leading banks, and what you need to know before getting started.

Why Open a Bank Account Online?

Opening a bank account digitally comes with several benefits:

• Convenience: No need to visit a branch.
• Speed: Account creation can take less than 10 minutes.
• Accessibility: You can use USSD, mobile apps, or websites.
• Security: Accounts are linked to your BVN and personal details for protection.

With digital banking becoming the norm, it is easier than ever to get started

We previously talked about the use of USSD code for money transfer and from here you can see that things are getting better.

WAYS TO OPEN BANK ACCOUNT ONLINE IN NIGERIA

This comprises of the following banks with their methods and how to go about it.

How to Open an Access Bank Account Online

Access Bank provides two main ways to open an account without visiting a branch: via the website or through USSD banking.

Option 1: Using the Access Bank Website

1. Visit accessbankplc.com.
2. Click “Open New Account.”
3. Fill in your details and select your preferred account type.
4. Submit the form and follow the instructions sent to your email or phone.

Option 2: Using the USSD Code (*901#)

1. Dial *901# on your mobile phone.
2. Select option 1 (Open Account).
3. Follow the on-screen prompts to complete your registration.

Both methods are secure, fast, and available 24/7.

Requirements for Opening an Access Bank Account Online

While you can open a Tier 1 savings account with just your phone number and BVN, you may need to upgrade later to enjoy full banking services. For higher-tier accounts, the following documents are required:

• Two passport photographs.
• A recent utility bill (not older than 3 months).
• Valid ID card (National ID, Driver’s License, International Passport, or Voter’s Card).
• Proof of residential address.
• BVN (Bank Verification Number).
• Biometric verification at the bank.
• Minimum opening balance (depending on account type).

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2. How to Open a Citibank Nigeria Account Online

Citibank Nigeria is well known for serving corporate clients and high-net-worth individuals, but individuals can also open personal accounts online. Unlike most local banks, Citibank’s process is fully digital and runs through its international banking platform.

Opening a Citibank Account Online

Follow these steps to get started:

1. Visit citibank.com. You’ll be redirected to online.citi.com/us/login.
2. At the top of the page, select “Open an Account.”
3. Enter your Zip Code or Postal Code (Nigerian addresses are supported by state listings).
4. Choose the type of account you prefer.
5. Review the available account packages and click “Apply Now” on the option that suits you.
6. Select your banking option and click Proceed.
7. Provide your personal details (including selecting Nigeria as your country).
8. Complete the next five screens with required information.
9. Submit your application.

If any additional verification is needed, Citibank will contact you directly to finalize the process.

Does Citibank Support USSD in Nigeria?

Unlike Access Bank and most Nigerian commercial banks, Citibank Nigeria currently does not support USSD transactions. Banking is handled primarily via its website, mobile app, and international banking systems.

This means Citibank accounts are better suited for individuals and businesses who prefer digital and international transactions over local USSD-based services.

3. How to Open an Ecobank Nigeria Account Online

Ecobank is a Pan-African bank with strong presence across Nigeria and other African countries. The bank offers flexible options for opening an account digitally — either online or through its USSD banking platform.

Opening an Ecobank Account Online

Currently, Ecobank’s online account opening process still requires completing a form and submitting it at a branch. Here’s how to get started:

1. Visit Ecobank to open account via our link
2. Download the Account Opening PDF Form.
3. Print out the form in colour.
4. Fill in your details correctly, including your Bank Verification Number (BVN).
   • If you don’t yet have a BVN, Ecobank can generate one for you during processing.
5. Take the completed form and required documents to the nearest Ecobank branch for submission.

Note: While the form can be downloaded online, final verification is still done at the bank branch.

Opening an Ecobank Account via USSD (*326#)

For a quicker process, you can use Ecobank’s USSD code:

1. Dial *326# on your mobile phone.
2. Select option 1 to open an Xpress Account or option 3 to open an Xpress Save Account.
3. Enter your BVN when prompted.
4. Follow the on-screen instructions to complete registration.
5. Once successful, you’ll receive an SMS confirmation with your account number.

The Xpress Account is Ecobank’s mobile-friendly account type that allows you to save, transfer, and receive money with minimal documentation.

Requirements for Ecobank Account Opening

Depending on the account type (basic or full KYC), you may need the following:

• Completed Ecobank account opening form (for online users).
• BVN (Bank Verification Number).
• Valid means of identification (National ID, Driver’s License, Voter’s Card, or International Passport).
• A recent utility bill (not older than 3 months).
• Biometric capturing at the bank.
• Minimum opening balance (varies by account type).

4. How to Open a Fidelity Bank Account Online

Fidelity Bank is one of Nigeria’s top commercial banks, offering both online and USSD options for opening accounts. The process is designed to be flexible whether you have a BVN or not.

Opening a Fidelity Bank Account Online

To open an account using the Fidelity Bank website, follow these steps:

1. Visit fidelitybank.
2. Click “Open New Account.”
3. On the new page, enter your BVN and click Continue.
   • If you don’t have a BVN, select “I Don’t Have BVN”, fill the form, and submit.
4. Complete the form with your personal details and submit.
5. Print out the generated application form.
6. Revisit the Fidelity Bank website, scroll down, and click “Upload Signature and Passport.”
   • Ensure your scanned or snapped passport photo and signature are clear; unclear uploads may be rejected.
7. Proceed to the nearest Fidelity Bank branch to finalize verification.

Opening a Fidelity Bank Account with USSD (*770#)

You can also open a Fidelity Bank account with your mobile phone:

1. Dial *770#.
2. Follow the prompts to create your account.
3. Once completed, you’ll receive your new account number via SMS.

This method is faster and best for Tier 1 accounts (limited transactions), but you may need to upgrade later with full documentation.

Requirements for Opening a Fidelity Bank Account

To complete your account registration, you’ll need:

• A completed Fidelity Bank account application form (for online applicants).
• BVN (Bank will create one if you don’t have).
• Valid ID card (National ID, Driver’s License, International Passport, or Voter’s Card).
• Utility bill (not older than 3 months).
• One passport photograph.
• Biometric capturing at the bank.
• Minimum opening balance (varies depending on the account type).

Note: Even if you start the process online, signature and passport upload must be confirmed at the bank branch to fully activate the account.

allow the use of USSD *770# for account opening. You can only use *770# after successfully receiving an account number.

5. How to Open a First Bank Nigeria Account Online

First Bank is Nigeria’s oldest and one of the most trusted banks. It offers flexible options to open an account either online or through its USSD banking platform.

Opening a First Bank Account Online

To start the process online, follow these steps:

1. Visit First Bank account forms page.
2. Download and fill the account opening form.
3. Enter your BVN and click Proceed.
4. Follow the on-screen prompts to complete your registration.

If you don’t have a BVN:

1. Select “Register without BVN.”
2. Enter your phone number and click Generate OTP.
3. Input the OTP sent to your phone.
4. Complete the online form and submit.
5. Visit the nearest First Bank branch for BVN enrollment and account authentication.

Opening a First Bank Account with USSD (*894#)

For an easier method, you can use First Bank’s USSD code:

1. Dial *894#.
2. Select 2 to open an account.
3. Choose 1 if you already have a BVN, or 2 if you don’t.
4. Complete the prompts and submit.
5. You’ll receive your new account details via SMS.
6. Visit the nearest branch to authenticate your account (especially if opened without BVN).

Requirements for Opening a First Bank Account

To complete and fully activate your First Bank account, you will need:

• Completed First Bank account opening form.
• BVN (or enrollment at the branch if you don’t have one).
• Valid means of identification (National ID, Driver’s License, International Passport, or Voter’s Card).
• Utility bill (not older than 3 months).
• Two passport photographs.
• Biometric capturing at the bank.
• Opening balance (depending on the chosen account type).

6. How to Open a First City Monument Bank (FCMB) Account Online

First City Monument Bank (FCMB) is one of Nigeria’s fast-growing banks, offering both individuals and businesses the flexibility to open accounts online or via USSD.

Opening an FCMB Account Online

To create an account through the FCMB website:

1. Prepare a scanned passport photograph and signature (a clear smartphone photo is acceptable).
2. Visit onlineaccount.fcmb.com.
3. Choose “Open a Personal Account” for individual banking or “Open a Business Account” for corporate purposes.
4. Click Get Started.
5. Fill out the online form, tick the Terms and Conditions box, and click Continue.
6. If you don’t have a BVN, skip that step and proceed.
7. Confirm your details and print out the completed form (preferably in color).

Opening an FCMB Account with USSD (*329#)

To open an account using your mobile phone:

1. Dial *329#.
2. Enter the required details following the on-screen prompts.
3. Confirm your registration with the OTP sent to your phone.
4. Your account will be created instantly, and details will be sent to you by SMS.
5. Visit the nearest FCMB branch to complete biometric verification and authentication.

Requirements for Opening an FCMB Account

Depending on the type of account you’re opening, you may need the following:

• Completed FCMB account opening form.
• Valid proof of identification (National ID, Driver’s License, International Passport, or Voter’s Card).
• Two passport photographs.
• Recent utility bill (not older than 3 months).
• BVN (or you can enroll for one at the bank).
• Biometric capturing (done at the branch).
• Minimum opening balance (varies by account type).

7. GLOBUS BANK LIMITED

Globus Bank is a fully digital licensed bank that provides modern and convenient banking platforms for individuals and businesses.

HOW TO OPEN A GLOBUS BANK ACCOUNT ONLINE

1. From your browser (Chrome, Firefox, etc.), visit www.globusbank.com.
2. At the top left, click the Menu button.
3. Under Personal Banking, select Account.
4. A list of account types (e.g., Globus Kiddies Account, Globus Senior Account, Globus Savings Account) will appear.
   • If you want a savings account, click Globus Savings Account.
5. On the new page, review the account features, then scroll down and click Download Form.
6. Print the form (preferably in colour), fill it out correctly, and take it to any Globus Bank branch for activation.

HOW TO OPEN A GLOBUS BANK ACCOUNT WITH USSD

1. On your phone, dial *989#.
2. Select 1 to open an account.
3. Enter the required details and confirm your registration.
4. You’ll still need to visit a Globus Bank branch with your details for full activation.

REQUIREMENTS FOR OPENING A GLOBUS BANK ACCOUNT

• A valid proof of identity (National ID, Driver’s License, or International Passport).
• BVN (If you don’t have one, Globus Bank can create it for you).
• Two passport photographs.
• Utility bill (not older than 3 months).
• An opening balance (depending on the type of account chosen).
• Biometric capture (done at the bank).

8. How to Open a GTBank (GTCO) Account Online or with USSD in Nigeria

Guaranty Trust Bank PLC (now officially GTCO Plc) remains one of Nigeria’s most trusted financial institutions. Known for its reliability and user-friendly banking platforms, GTBank makes it easy to open a savings or current account without stress — either online, through USSD, or by visiting a branch.

This guide will walk you through:

• How to open a GTBank account online
• How to open a GTBank account with USSD (*737#)
• Requirements you’ll need to complete your registration

How to Open a GTBank Account Online

Follow these steps to open an account through the GTBank website:

1. Visit the GTBank official website – gtbank.com (now under GTCO).
2. Click on the Menu (top left of the homepage).
3. Choose account type – select Personal Account (for individuals) or Business Account (for companies).
4. Under Personal Account, click Savings and Investment Accounts.
5. Review the available account options such as:
   • GTSave Account
   • GT Target Account
   • GTCrea8 Account (for students)
   • Smart Kids Save (for children)
6. Select your preferred account type and scroll down to click Open a GT Account.
7. Click Open a Personal Account Now and fill in the required details on the Account Opening Web Engine.
8. If you don’t have a BVN yet, you can skip the field during initial registration.
9. Once completed, download or print the form for submission at any GTBank branch.

How to Open a GTBank Account Using USSD (*737#)

You can also open a GTBank account instantly with your mobile phone, without internet access:

1. Dial *737# from your mobile phone.
2. Select option 11 (Account Opening).
3. Select 1 to open a new account.
4. Provide the required personal details as prompted.
5. Once completed, GTBank will send your new 10-digit NUBAN account number via SMS.

Requirements to Complete GTBank Account Registration

To finalize and activate your GTBank account, you’ll need the following:

• Two (2) recent passport photographs
• A valid means of identification (National ID, Driver’s License, International Passport, or Voter’s Card)
• Utility bill (not older than 3 months)
• BVN (Bank Verification Number) — GTBank can help generate one if you don’t already have
• Biometric capture at the bank
• Minimum opening balance (depends on the account type selected)

9. HERITAGE BANK PLC Account Opening

Heritage Bank makes it easy for new and existing customers to open an account. Whether you’re looking for a savings or current account, the process is straightforward.

Heritage Bank USSD code is *322#, but note that this is not for account opening. It is used for other banking transactions such as transfers, airtime, and bill payments.

HOW TO OPEN HERITAGE BANK ACCOUNT ONLINE IN NIGERIA

Follow these steps to get started:

1. With any web browser, go to hbng.com.
2. Scroll down to Download Forms and click Open Account.
3. On the new page, you will see options such as:
   • Current Account Form
   • Savings Account Form
   • Corporate Account Form
4. If you need a savings account, click Savings Account Form.
5. Download and print out the form.
6. Fill in the form correctly with all required details.
7. Take the completed form to the nearest Heritage Bank branch at your convenience.

REQUIREMENTS TO OPEN A HERITAGE BANK ACCOUNT

To complete your account opening, you’ll need the following:

• Proof of ID (International passport, Driver’s License, National ID, or Voter’s card).
• Utility bill (not older than 3 months).
• BVN (If you don’t already have one, Heritage Bank will help you register for it).
• Two recent passport-sized photographs.

Once your form and documents are submitted, Heritage Bank will process your account and issue your account number.

10. KEYSTONE BANK LIMITED

Opening an account with Keystone Bank has been made easier with their online and mobile options. Whether you prefer using USSD or the website, you can get started without stress.

WHAT IS THE KEYSTONE BANK USSD CODE?

The official Keystone Bank USSD code is *7111#.

• With this code, you can open an account, check balances, transfer money, buy airtime, and perform other mobile banking transactions.

HOW TO OPEN A KEYSTONE BANK ACCOUNT ONLINE

If you prefer the online method, follow the steps below:

1. Visit the official account opening portal: keystonebankng
2. Fill out the form with your correct details.
3. Click on Generate Account Number.
4. Follow the instructions provided and print out the form.
5. Take the form to the nearest Keystone Bank branch to complete the registration.
6. Upload or provide a clearly scanned passport photograph as required.

REQUIREMENTS TO OPEN A KEYSTONE BANK ACCOUNT IN NIGERIA

To successfully open and activate your account, you’ll need the following:

• A recent passport-sized photograph (same as uploaded during registration).
• A utility bill not older than 3 months.
• BVN (Bank Verification Number) — if you don’t have one, the bank can help you create it.
• A valid means of identification (National ID card, International Passport, Driver’s License, or Voter’s Card).
• Minimum opening balance as specified for the account type you choose.
• Biometric capturing at the bank branch.

Quick Tip:
Using the USSD code (*7111#) is faster if you need an instant account without paperwork, but you’ll still need to visit the branch later for full activation and BVN linking if you’re a new customer.

11. Polaris Bank

Polaris Bank (formerly Skye Bank) is one of Nigeria’s trusted financial institutions, offering convenient ways to open and manage an account both online and offline.

WHAT IS POLARIS BANK USSD CODE?

The Polaris Bank USSD code is *833#.
With this code, you can check balances, transfer money, buy airtime, pay bills, and more. However, note that you cannot open a new account directly using USSD — you’ll need the mobile app or online forms.

HOW TO OPEN A POLARIS BANK ACCOUNT ONLINE

You can easily start your account opening process online. Follow these steps:

1. Visit polaris bank.
2. Click on Downloadable Forms.
3. Under Account Related Forms, choose the account type that best suits you (Savings, Current, etc.).
4. Download the Registration Form and fill it out correctly.
5. Print out the form (preferably in colour).
6. Visit the nearest Polaris Bank branch with your filled form and required documents for biometric capturing.

Alternatively, you can download the Polaris Bank Mobile App (VULTe app) from your app store, which makes opening and managing your account even easier.

REQUIREMENTS TO OPEN A POLARIS BANK ACCOUNT

To successfully open a Polaris Bank account in Nigeria, you’ll need:

• A recent passport-sized photograph (same as uploaded during registration).
• A valid means of identification (National ID, International Passport, Driver’s License, or Voter’s Card).
• Utility bill (not older than 3 months).
• Bank Verification Number (BVN) – if you don’t have one, Polaris Bank will help you register.
• Opening balance (depends on the account type chosen).
• Biometric capturing (fingerprint and photo taken at the bank branch).

With these steps, you can get your Polaris Bank account ready in no time, either through the website, mobile app, or by visiting the branch for final confirmation.

12. Providus Bank Limited

Providus Bank is one of Nigeria’s modern commercial banks, offering smooth digital onboarding for both savings and current accounts. As of 2025, a full online account opening process is available.

How to Open a Providus Bank Account Online

1. Visit the official Providus Bank online onboarding portal or navigate via their main site to the “Open an Account” section.
2. Enter your BVN (Bank Verification Number).
   • This step verifies your identity.
3. An OTP (one-time password) will be sent to your BVN-linked phone or email—enter it to proceed.
4. Complete the form with details such as account type, contact info, occupation, NIN, preferred branch, and more.
5. Upload required documents:
   • Valid ID (National ID, Driver’s License, International Passport, or Voter’s Card)
   • Recent utility bill (≤ 3 months old)
   • Passport photo (JPEG)
   • Specimen signature (JPEG)
6. Review your application, accept the terms, and submit.
7. You should receive your account number via SMS and email shortly. If verification issues arise (e.g., BVN or document mismatch), you may be asked to visit a branch.

Requirements for Opening a Providus Bank Account

To ensure a smooth onboarding process, here’s what you’ll need:

• Residence permit (if applicable) providusbank.com
• BVN (linked to your identity)
• Valid ID: National ID, Driver’s License, International Passport, or Voter’s Card
• Principle documents:
  • Utility bill (not older than 3 months)
  • Recent passport photograph (JPEG)
  • Specimen signature (JPEG)
• Completed application form (automatically generated online)
• Opening balance: Minimum varies based on account type (e.g., N250,000 for Current Account) providusbank.com
  • Potential additional documents for certain accounts:
  • Two references

13. Stanbic IBTC Bank Ltd

If you’re considering opening an account with Stanbic IBTC, here’s how you can get started online or via USSD.

How to Open a Stanbic IBTC Account Online

1. Visit instant account stanbicibtc.
2. Select YES if you have a BVN, or NO if you don’t.
3. Complete the online form with the required details.
4. Enter the verification code sent to you.
5. Print the completed form (in colour) and take it to the nearest Stanbic IBTC branch to finalize registration.

How to Open a Stanbic IBTC Account Using USSD

1. Dial *909#.
2. Select 5 to open an account.
3. Choose 1 for bank account.
4. Provide your BVN (required for USSD account opening).

Note: You cannot open a Stanbic IBTC account via USSD without a BVN.

Requirements for Opening a Stanbic IBTC Account

• Completed online form (if registering online).
• Opening balance (varies depending on account type).
• Valid proof of ID (Driver’s license, National ID, International Passport, etc.).
• Utility bill (not older than 3 months).
• BVN (or the bank will assist with one if you don’t have).
• Biometric capturing at the bank.

14. STANDARD CHARTERED BANK

You can easily open a Standard Chartered account either online or via USSD.

WHAT IS STANDARD CHARTERED USSD CODE?

The USSD code for Standard Chartered Bank is:
*389*068#

HOW TO OPEN STANDARD CHARTERED ACCOUNT ONLINE

1. Visit: Standard Chartered bank Website here.
2. Scroll down to explore the different account options.
3. For this guide, select Regular Savings Account.
4. Click Apply Now on your preferred account.
5. On the next page, fill in your personal details and click Ok, Next.
6. Enter the OTP sent to your phone.
7. Follow the on-screen instructions.
8. Print out the completed form.
9. Visit the nearest Standard Chartered Bank branch to finalize registration.

REQUIREMENTS FOR OPENING STANDARD CHARTERED ACCOUNT

• Completed printed form (if you registered online).
• Minimum opening balance of ₦5,000 (varies with account type).
• Valid proof of ID (Driver’s license, National ID, International Passport, etc.).
• Utility bill (not older than 3 months).
• BVN (the bank will assist if you don’t have one).
• Biometric capturing at the bank.
• One recent passport photograph.

15. How to Open a Sterling Bank Account Online or with USSD

Sterling Bank makes account opening easy with both online registration and USSD banking. You can choose whichever option is most convenient.

How to Open Sterling Bank Account Online

1. Visit Sterling bank.
2. Select your preferred account type and click Apply.
3. Fill in the online application form.
4. Click Verify Now and enter the OTP sent to your phone.
5. Tap Click to Open an Account.
6. Follow the instructions carefully.
7. Print out the completed form and visit the nearest Sterling Bank branch for verification.

How to Open Sterling Bank Account with USSD

1. Dial *822# on your phone.
2. Select 7 to begin account opening.
3. Enter your BVN when prompted.
4. Provide the required personal details.
5. Your new account number will be generated.

Note: A BVN is mandatory when opening a Sterling Bank account via USSD.

Requirements for Opening a Sterling Bank Account

To successfully open and activate your Sterling Bank account, you’ll need the following:

• Printed online form (if registered online).
• Valid proof of ID (Driver’s license, National ID, International Passport, etc.).
• Utility bill (not older than 3 months).
• BVN (Bank Verification Number).
• One recent passport photograph.
• Biometric capturing at the bank.
• Opening balance (amount depends on account type).

16. SUNTRUST BANK NIGERIA LIMITED

SunTrust Bank is one of Nigeria’s new-generation banks making steady progress in the financial sector. If you wish to open an account online, here’s how to get started.

HOW TO OPEN SUNTRUST BANK ACCOUNT ONLINE

1. Visit Suntrust.
2. Click the Menu button at the top right of the page.
3. Select OPEN AN INSTANT ACCOUNT.
4. Read and tick I accept the Terms and Conditions.
5. Enter your BVN and click Submit.
6. Provide other required details and print out the form.
7. Visit the nearest SunTrust Bank branch for authentication and biometric capturing.

Note: A BVN is required to open an account online, and final verification must be completed physically at the bank.

REQUIREMENTS FOR OPENING SUNTRUST BANK ACCOUNT

• Printed online registration form (if opened online).
• Opening balance (varies by account type).
• Valid means of identification (Driver’s License, National ID, International Passport, etc.).
• One recent passport photograph.
• Utility bill (not older than 3 months).
• BVN (if you don’t have one, the bank will help process it).
• Biometric capturing at the bank.

17. TITAN TRUST BANK

Titan Trust Bank is a new-generation bank with modern standards that rival its counterparts across the country. Currently, Titan Trust Bank does not have a USSD code for account opening.

HOW TO OPEN A TITAN TRUST BANK ACCOUNT ONLINE

1. Visit titantrustbank.com.
2. Click on Personal Banking.
3. Select any account of your choice and click on it.
4. Scroll down and click Get Started.
5. Select Account Type.
6. Enter referral code (if available).
7. Input your BVN and click Validate BVN.
8. Fill in your personal details and submit.
9. Upload a clear passport photograph and signature (scanned or snapped with a good camera).
10. Choose the closest Titan Trust branch to you (use Google Maps if necessary).
11. Request for a banking card and provide your correct address.
12. Confirm registration.
13. You may be required to visit the branch for biometric capturing.

Note: BVN is compulsory to open an account online.

REQUIREMENTS FOR OPENING A TITAN TRUST BANK ACCOUNT

• Completed online printed form (if registered online).
• Opening balance (varies based on account type).
• Valid ID (Driver’s license, National ID, International Passport, etc.).
• Utility bill (not older than 3 months).
• One passport photograph.
• BVN (if unavailable, the bank will assist in linking/creating it).
• Biometric capturing at the bank.

18. UNION BANK FOR AFRICA (UBA) PLC

UBA is one of Africa’s leading banks, with presence in several countries across the continent and beyond. It offers reliable and flexible banking services for individuals and businesses.

HOW TO OPEN A UBA ACCOUNT ONLINE

1. Visit ubagroup.com/open-a-uba-account-online.
2. Click Open Account.
3. Select Nigeria as your country and click Submit.
4. Choose either:
   • Open with BVN (if you have a BVN).
   • Open without BVN (if you don’t have a BVN).
5. Fill the form correctly, upload your signature, and click Submit.
6. You will be given an account number.
7. Proceed to the nearest UBA branch for authentication and biometric capturing.

HOW TO OPEN A UBA ACCOUNT VIA USSD

1. Dial *919# on your phone.
2. Select 8 (Next).
3. Select 6 (Open Account).
4. Choose 3 to open a new account.
5. Select Yes if you have BVN, or No if you don’t.
6. Provide the required details.
7. Enter the verification code sent to you.
8. Receive your new UBA account number.
9. Visit the nearest UBA branch for further authentication.

REQUIREMENTS FOR OPENING A UBA ACCOUNT IN NIGERIA

• Completed account opening form (printed if you registered online).
• Opening balance (amount depends on account type).
• Valid ID (Driver’s license, National ID, International Passport, or Voter’s Card).
• Two passport photographs.
• Utility bill (not older than 3 months).
• BVN (if not available, the bank will help you create one).
• Biometric capturing at the bank.

19. UNION BANK OF NIGERIA PLC

Union Bank is one of Nigeria’s oldest and most trusted financial institutions, widely known for its slogan “Big, Strong, Reliable”. With decades of consistent service delivery, it remains a dependable choice for individuals and businesses.

HOW TO OPEN UNION BANK ACCOUNT ONLINE

1. Visit unionbankng.com/api
2. Enter your BVN and Date of Birth (must match what is linked to your BVN).
3. Click Continue.
4. Follow the prompts to complete the registration.
5. Obtain your account number.
6. Visit the nearest Union Bank branch for authentication.

HOW TO OPEN UNION BANK ACCOUNT VIA USSD

Union Bank’s official USSD banking code is *826#, which supports transactions like transfers, airtime recharge, and bill payments.
Currently, account opening via USSD is not available. Customers are advised to use the online option or visit a branch.

REQUIREMENTS FOR OPENING A UNION BANK ACCOUNT

• Completed online form (if registered online).
• Opening balance (varies depending on the account type).
• Valid ID (Driver’s License, National ID, International Passport, etc.).
• Two recent passport photographs.
• Utility bill (not older than 3 months).
• BVN (or the bank will enroll you if you don’t have one).
• Biometric capturing at the bank.

20. Unity Bank PLC – How to Open an Account Online or with USSD

Unity Bank is one of Nigeria’s commercial banks providing convenient ways to open and manage accounts. You can easily get started online or by using the Unity Bank USSD code on your mobile phone.

How to Open a Unity Bank Account Online

1. Visit the Unity Bank online account opening portal: Unity Bank.
2. Click Continue to start.
3. Choose YES if you already have a BVN or NO if you don’t.
4. Fill in the required details correctly and submit.
5. Your new account number will be sent to your registered email.
6. Follow the instructions provided or visit the nearest Unity Bank branch for authentication.

How to Open a Unity Bank Account with USSD

You can also open an account instantly without internet access using the Unity Bank USSD code:

1. Dial *7799# on your phone.
2. Select your preferred language.
3. Choose No when asked if you already have a Unity Bank account.
4. Enter your BVN to proceed. (If you don’t have BVN, select the option provided and follow the instructions).
5. Provide the required details.
6. Verify with the code sent to your phone.
7. Your new account number will be created.
8. Visit the nearest Unity Bank branch to complete biometric capturing and full activation.

Requirements for Opening a Unity Bank Account

• Biometric capturing at the bank branch.
• Completed online or USSD application form.
• Minimum opening balance (varies by account type).
• Valid proof of ID (Driver’s license, National ID, International passport, or Voter’s card).
• One recent passport photograph.
• Utility bill (not older than 3 months).
• BVN (Bank Verification Number).

21. Wema Bank Plc

Opening a Wema Bank account is simple and can be done online or via USSD within minutes.

How to Open Wema Bank Account Online

1. Visit Wema Bank Downloads Page.
2. Choose and complete the form for the type of account you want.
3. Submit the form online and proceed to the bank for biometric capturing.

How to Open Wema Bank Account via USSD

1. Dial *945#.
2. Select 1 to open a new account.
3. If you have a BVN, select YES (or NO if you don’t).
4. Provide the required details and verify the code sent to your phone.
5. Visit any Wema Bank branch to complete authentication.

Requirements for Opening Wema Bank Account

• Completed form (if registered online).
• Opening balance (varies by account type).
• Valid means of identification (Driver’s License, National ID, International Passport, etc.).
• One passport photograph.
• Utility bill (not older than 3 months).
• BVN (if you don’t have one, the bank will help you generate it).
• Biometric capturing at the bank.

22. Zenith Bank PLC

Opening an account with Zenith Bank is now fast and convenient. No more long queues or waiting with large deposits—everything can be done online or through USSD.

What is Zenith Bank USSD Code?

Zenith Bank USSD code is *966#.

How to Open a Zenith Bank Account Online

1. Visit zenithbank.com/open-an-account-online/.
2. Select Other Accounts.
3. Fill the form with your correct details.
4. Upload your passport photograph and signature.
5. Click Submit.
6. Zenith Bank will send further instructions to your registered email.
7. Get your account number and visit the nearest branch for biometric authentication.

How to Open a Zenith Bank Account via USSD

1. Dial *966#.
2. Select 1 to open a bank account.
3. Select 2 to open an account for yourself.
4. Choose YES if you have BVN or NO if you don’t.
5. Provide the required details.
6. Verify the code sent to your phone.
7. Receive your account number and proceed to any Zenith Bank branch for authentication.

Requirements for Opening a Zenith Bank Account

• Completed online form (if registered online).
• Opening balance (varies with account type).
• Valid ID (Driver’s license, National ID, International Passport, etc.).
• Utility bill (not older than 3 months).
• Two passport photographs.
• BVN (bank can help if you don’t have one).
• Biometric capturing at the bank.

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Final Summary

Opening a bank account in Nigeria has become much simpler with the introduction of online platforms and USSD codes. Today, almost all major banks such as Zenith Bank, GTBank, Access Bank, First Bank, and UBA allow customers to begin the process without stepping into a banking hall.

The two most popular methods are:

1. Online Applications – Customers visit the bank’s website, fill out a digital form, upload their documents (ID, passport, proof of address, BVN), and then complete activation at the branch.
2. USSD Codes – By dialing short codes like *966# (Zenith), *737# (GTBank), *901# (Access), *894# (First Bank), and *919# (UBA), customers can quickly open an account with just their phone number and BVN, before verifying biometrics at the branch.

Despite the convenience of digital processes, a physical branch visit remains compulsory to finalize biometric capture and full account activation.

Once opened, customers gain access to mobile banking, internet banking, debit cards, and savings or current account benefits, depending on the type chosen.

Quick Comparison Table

Bank	USSD Code	Online Option	Branch Visit Needed?
Zenith Bank	*966#	Yes	Yes – for biometrics
GTBank	*737#	Yes	Yes – for activation
Access Bank	*901#	Yes	Yes – for verification
First Bank	*894#	Yes	Yes – for biometrics
UBA	*919#	Yes	Yes – for activation

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