This post will show you exactly how to send money from Zenith Bank without using an ATM. Additionally, the Zenith Bank transfer code and instructions on how to use it will be included.
Let me begin by saying that years ago, no one would have had anything useful to say regarding your question. But the good news is that today’s technology makes it a breeze.
Long lines at ATMs across the country annoy me, and I’m guessing they annoy you as much as they annoy me. Even worse, we live in a time where social separation is increasingly important for survival, making it even more difficult to use an ATM.
Let’s have a look at the several ways to transfer money from Zenith Bank to other banks without having to use an ATM.
How to Transfer Money From Zenith Bank Without ATM
To transfer money from a Zenith Bank account to another Nigerian bank, there are three options. The Zenith bank is one of the best in Africa, and you can take advantage of any one of these three possibilities if you use their services.
- Zenith Bank Internet Banking
Transferring funds from a Zenith Bank account without using an ATM is made simple with this method. Because of this, I believe this strategy is the most efficient.
Transfer Limits for Zenith Bank Online Banking
Up to one million can be transferred in one day using Zenith internet banking This is beyond the ATM’s capacity. Although there is a condition in the contract. Only a Zenith Bank token device can get you to a million in a personal account.
If you use a Zenith Bank token device and have a corporate account with Zenith Bank, your daily maximum is 5,000,000.
In addition, a token device is essential since it provides additional benefits, such as access to premium services, such as encrypting transactions.
As for internet banking, my two cents is that it’s not as horrible as you may assume. Additionally, it provides a measure of privacy.
There are fewer dangers to be concerned about if you use caution when doing so. After a while, you won’t be able to live without this.
How to Transfer Money From Zenith Bank Using Internet Banking
Zenith Bank’s website has a login page.
Input your e-mail address and password.
A drop-down list will appear.
You can access the transfer fund option by clicking on the left option menu.
Select a currency transfer.
After selecting the option to transfer funds, enter the recipient’s account number and the recipient’s bank’s name.
Then, type in your internet banking PIN or token and proceed.
Tokens must be entered while using Zenith’s token device.
- Zenith Bank Mobile Banking
What is the difference between online and mobile banking?
When it comes to banking, you may be confused by the differences between Internet/online and mobile options. It’s a small difference, but it’s there. Bank customers can access their accounts using the bank’s official website to conduct online banking transactions. Additionally, you’d have to use a web browser in order to get to it.
Using the bank’s official mobile app is the only way to access mobile banking services. Android users can get the Zenith Bank app through the Google Play Store, while iOS users can get it from the Apple Store.
Mobile banking services require a smartphone, but internet/online banking services can be accessed via a laptop, desktop, phone, or any other device that can connect to the internet and enter text.
How to Register for Mobile Banking
You don’t have to go to the bank and sign up for mobile banking, which is a fantastic thing! You can sign up from the convenience of your own home, office, or retail location, or from any other location.
Make sure you have these details before signing up for mobile banking.
Download the Zenith Mobile Banking App from the Google Play Store or Apple Store for Android and iOS users, respectively. As a last step, simply follow the on-screen instructions. There you go.
If you’ve signed up for Zenith bank’s mobile banking service, then you’re ready to go. I’ll now go over how to send money using the Mobile App.
Once you’ve registered, you’ll be able to do things like pay bills, buy airtime or data plans, subscribe to services like DStv or Gotv, and more. You’ll also be able to send money to other Nigerian banks.
How to Use Mobile Banking to Transfer Money from Zenith Bank (Without an ATM)
Take a look at the Zenith Bank app.
Press the Menu button to bring up the menu.
This button can be seen immediately after opening the Mobile App in the upper left-hand corner.
Choose to transfer funds.
Enter the recipient’s bank information.
The recipient’s account number and bank name must be entered.
Input your PIN or token to verify your identity.
Zenith Bank Mobile App Transfer Limit
Also, keep in mind that the Mobile App has a daily limit of 500,000. With a token, your daily transfer limit rises to 3,000,000.
Advantages of Mobile and Online Banking
Statements of account can be requested and seen online.
A higher limit. Transferring up to 1m at a time. 3m, on the other hand, utilizes a token.
Checking your account balance, phone number, and BVN number is free.
- Zenith Bank Transfer (USSD) Code [*966#]
This isn’t the last, but it’s not the least either. Transferring money from a Zenith Bank account without using an ATM is made easier using this method. You don’t even need access to the internet to accomplish this.
When it comes to money transfers, *966# USSD money transfer code is the most popular way because it requires only one phone call.
The other ways are unknown to some, and those who are aware of them dismiss them without more thought. This could be due to the widely circulated opinion that lacks a clear source of information.
USSD Code Transfer Limit for Zenith Bank
This could have been the ideal method of transfer if it wasn’t so outrageously restricted. The maximum amount that can be transferred in a single transaction using the USSD Code (*966#) is 20,000. A daily restriction of 100,000 is also in place.
You can transfer up to 3,000,000 using the *966# USSD Code option provided you have a Zenith Bank Token device.
Using the USSD Code (*966#) to send money
You must first create a Zenith Bank transaction PIN in order to use a USSD Code to transfer money.
How to Create a Zenith Bank PIN Number?
Dial *966*00# to get in touch with us.
“Create PIN” will appear after you’ve selected it.
“Create PIN” is the second option on the prompt after dialing the USSD code above.
Enter the last four digits of your ATM Card here.
Create a four-digit PIN after entering the last four digits of your debit card number.
Create a four-digit password.
Enter the PIN that you like. Random numbers are preferable.
Make sure you’ve entered the correct PIN.
Verify the four-digit PIN number. If everything goes according to plan, you’ll get the message “Retrieving your balance.” Your account balance is then sent to you in the form of an SMS (s).
When you don’t have an ATM card, you can still transfer money from Zenith Bank.
You can now proceed with your transfer after creating a Zenith Bank transfer PIN. How to transfer money using the USSD Code is explained below..
Select “Transfers” from the drop-down menu after pressing *966#.
Take a moment to select the Bank Name of your beneficiary
Specify the recipient’s bank account number and enter the desired amount in the field.
the six digits of your ATM card number
Verify transaction or utilize the Zenith Bank Transfer Code
In order to make a phone-based money transfer from Zenith Bank, enter the following codes: *966*Amount*Account Number#
The second way to send money from Zenith Bank is by dialing *966*Amount*Account Number# with the USSD code. Transferring money is as simple as dialing *966*20000*0111111111# and entering the account number.
Choose the bank of the person you’re sending a cash to.
Enter your confirmation code or the last six numbers of your ATM card to proceed.
You’ll be charged 52.5K for each transaction, same like with Internet and Mobile Banking. People who move big sums of money are charged differently from those who use corporate accounts.
How to Create or Open an Account on Zenith Bank Using the USSD
Like many other African countries, most Nigerians now have the ability to open a bank account without much effort, unlike in the past.
Simply dial the *966*0# access code and follow the onscreen instructions to open an account with Zenith Bank.
Your account number will be texted to you as soon as you complete the USSD process. However, you will still need to visit a branch near you to finish the account creation procedure and verify your identity.
How to Check Zenith Bank Account Balance
Enter *966# and then choose option 3, which should indicate “check balance,” if you’re using a smartphone. The balance of your Zenith Bank account can be viewed in just a few clicks like that.
This service will cost you a fee of 15.
Use the Internet Banking or Mobile Banking App option to avoid the 15-cent charge for checking your balance.
For the most part, when utilizing Online or Mobile Banking, you won’t have to do anything to see your account balance. As soon as you log in, your account balance and your phone number are prominently displayed.
USSD Code Banking’s advantages
It moves at the speed of light.
Easy to follow.
Conservative with the use of materials. To use, you don’t even need an internet connection.
Frequently Asked Questions
What is the cost of the a Zenith Bank token?
There are Zenith Bank to devices available for N3,500 at your local Zenith Bank location.
Why should I buy or use a Bank token?
When you use a Bank Token device, your transactions are protected by encrypting them. Instead of a password that can be hacked into by criminals, you can use a one-time, unique PIN.
How to buy airtime from Zenith Bank using the USSD Code?
Airtime purchases are free of charge.
How to update your BVN by using USSD code?
Then, to keep your Bank Verification Number current, enter your BVN. Your Zenith Bank account number is the only one that can be used. To open a Zenith Bank account, you’ll need that number.
Using the USSD code *966*60#, you can block your ATM card. After dialing *966*60#, select Cardless Withdrawal, and follow the on-screen instructions to withdraw money from an ATM.
How to transfer money from zenith bank to a foreign bank account (Abroad)
Domiciliary accounts are required to transfer money from Zenith to a bank outside of Nigeria.
You can either utilize your naira savings or current account, or Western Union, to transfer money to and from other countries. MoneyGram, on the other hand, is no longer an option because Zenith Bank has ceased using the service for transfers.
Dial *737#, then dial 10 for PIN, then 2 for Create PIN – No Debit Card, and follow the instructions. It will ask for your account number and date of birth before allowing you to choose a PIN.
I Forgot My Zenith Bank Atm Card Pin
USSD PIN reset instructions for Zenith Bank. Dial *966*60# on your phone and follow the on-screen instructions to perform a reset. There’s also the option of resetting your pin, which will prompt you to enter your old and new pins twice.
How To Activate Zenith Bank Atm Card Register with a hardware token
Step 1: Get the app from the app store or Google Play.
Continue by entering your account number.
Create and confirm your six-digit password, and then your four-digit mobile pin.
Once you’ve completed all four steps, you’re ready to begin banking with ease.
How to do Zenith Bank International Money Transfer
In order to transfer money from a foreign country to anywhere, the remitter must fill out a “international money transfer application.” Intermediary Bank details are needed in the ‘International Money Transfer Application.’ Swiss bank code of the intermediary bank
How to Activate Ussd Code for Zenith Bank Without ATM Card
Dial *966*Amount*Account## is the Zenith Bank activation code
Cashless policy in Nigeria
When it comes to banking, disruptive technology has made it possible for us to access our accounts from our own homes.
Banking halls will soon be empty because of the rapid growth and development of the business. Because you don’t have to be in the bank to use banking services.
Contrast this with how things were decades ago when we had to use the post office to send money across country lines. In the banking hall, having to stand in line for hours to deposit a check.
Despite the fact that recent government measures appear to be ineffective. Nature’s dynamism can’t be fought against. A cash-based economy is unsustainable.
As soon as cashless economic policies are fully implemented, you’ll have to bid farewell to the Naira.
It’s possible that you’ll need to make a transfer at a time when using an ATM would put you in danger. A nighttime transfer would be an example of this.
In light of the foregoing, the method of transfer I want to share is the best option if it does not require international transfer. We’ll talk about the best way to send money overseas in a subsequent post.
Zenith Bank money transfers without an ATM have been thoroughly investigated by our team. There may be some similarities and differences between these approaches.
Despite this, each option comes with its own set of drawbacks and advantages. However, while the usage of USSD code appears to be the fastest, simplest, most secure, and most conservative way, it is not. It has a few drawbacks, including the fact that one can only send a certain amount of money at a time.
Internet/Online, on the other hand, appears to have the lowest threshold. Compared to the USSD code option, this one is more customizable and offers more features, despite the caveats.
Last but not least, it appears that Mobile Banking offers the best of both worlds, but it all comes down to what a user wants and needs. Transferring more than one million naira in a single transaction is not something that everyone does.
My recommendation is that you first assess your demands before deciding which strategy to use. It’s impossible to say which method is best.