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Internet Banking

Individual Accounts

Banking anywhere and at any time you want.

Savings Account

Savings Account

This account is available to individuals 18-years and older and offers a secure and attractive method of saving funds at a competitive rate.

Individual Account Opening Form (Joint Account)

Individual Supplementary Information Update Form (Individual Account)

DOWNLOAD THE ZENITH INDIVIDUAL ACCOUNT FORMPersons with Disabilities Form
  • No minimum operating balance
  • No monthly charges
  • Mobile money wallet linkage
  • Electronic banking services such as Z-Prompt, E- statement and internet banking are available on this account including VISA, MasterCard and EazyPay ATM cards.
  1. Account Opening forms duly completed.
  2. 2 passport pictures of the signatories
  3. Ghana card
  4. International Passport (for Foreigners)
  5. Residence permit and non-Citizen Ghana card (for Foreigners)
  6. Utility Bill (NOT OLDER THAN 6 MONTHS OLD)
  7. Mandatory Initial Deposit
  • Ease of accessing cash
  • Competitive interest rate
  • No restriction on withdrawals
  • Free internet banking service and e-statement
Cheque and Save

Cheque and Save

This account is available to customers 18-years and older and offers a secure, attractive method of saving funds at a competitive rate, while at the same time allowing for immediate access to funds via our in-house cheque clearance system.

  • No minimum operating balance
  • Flexibility of third party cash withdrawals
  • Competitive interest rate
  • Mobile money wallet linkage
  • Electronic banking services such as Z-Prompt, E- statement and Internet banking are available on this account including VISA, MasterCard and EazyPay ATM cards.
  1. Account Opening forms duly completed.
  2. 2 passport pictures of the signatories
  3. Ghana card
  4. International Passport (for Foreigners)
  5. Residence permit and non-Citizen Ghana card (for Foreigners)
  6. Utility Bill (NOT OLDER THAN 6 MONTHS OLD)
  7. Mandatory Initial Deposit
  • Flexibility of third party cash withdrawals
  • Competitive interest rate
  • No restriction on withdrawals
  • Free internet banking service and e-statement
Current Account

Current Account

A convenient and flexible medium to make and receive payments. The account can be opened in individual or joint names.

  • Access to cheque book
  • Electronic banking services such as Z-Prompt and internet banking are available on this account including VISA, MasterCard and EazyPay ATM cards.
  • Current/Call account sweep facility.
  • Mobile money wallet linkage
  1. Account Opening forms duly completed.
  2. 2 passport pictures of the signatories
  3. Ghana card
  4. International Passport (for Foreigners)
  5. Residence permit and non-Citizen Ghana card (for Foreigners)
  6. Utility Bill (NOT OLDER THAN 6 MONTHS OLD)
  7. Mandatory Initial Deposit
  • Cheque book issuance
  • Ease of making payments to third parties
  • Current/Call account sweep facility
  • Mobile money wallet linkage
  • Free internet banking service and e-statement
Zenith Diaspora Account

Zenith Diaspora Account

This account is targeted at Ghanaians resident abroad and affords them the opportunity to open and operate an account from anywhere in the world. It gives them access to unique products and services tailored to meet their banking needs. The types of account that can be opened under the Zenith Diaspora account are Savings Account, Current Account and Fixed Deposit Account.

Please click here to begin the account opening process.

 

DOWNLOAD THE ZENITH DIASPORA ACCOUNT FORM

Savings account (Traditional)

  • Available in Ghana Cedis, USD, GBP & EUR (Diaspora Savings Account Holders must first open a Ghana Cedi Account to be able to operate any foreign currency (USD, GBP & EUR) acccount)
  • Minimum initial deposit of GHS500.00 or its equivalent in Foreign Exchange
  • Minimum balance of GHS200.00 must be maintained in the Diaspora Savings Account at all times
  • Accounts for minors can be opened by parents or guardians
  • Access to internet banking
  • Mastercard/Visa Debit Card on Cedi account
  • No account maintenance fees

Current account

  • Available in Ghana Cedis only
  • Minimum opening balance of GHS500.00
  • Cheque book upon request
  • Monthly statement via e-mail
  • Access to internet banking
  • Visa/Mastercard/Virtual Debit card
  • Free internal standing order

Fixed Deposit

  • Available in Ghana Cedis only
  • No maximum amount to be invested
  • Deposit amount is fixed during investment period
  • Interest rate is fixed during investment period
  • Funds available upon maturity
  • Minimum investment amount of GHS10,000.00
  • Must be a Ghanaian resident abroad.
  • Must be 18 years or above.
  1. Customer must download and fill the account opening form.
  2. 1 Passport size picture
  3. Copy of Ghana Card (Front and Back Images) or Valid International Ghanaian Passport.

(Note: The above-mentioned required documents are to be uploaded to diasporacustomerservice@zenithbank.com.gh). Account number will be provided after documents have been validated for initial deposit to be made.

  1. Initial deposit into the account.

Note:

Initial Deposit via SWIFT Bank Transfer

  • The initial deposit into the account can be made via SWIFT bank transfer from the customer’s foreign bank. This transfer will be used to verify customer details (name, identification, address). In the case of a joint account, where the customers already operate a joint account, a single SWIFT transfer containing information of both applicants will be sent for the purpose of verification. However, where applicants do not already operate a joint account, verification will be done separately.

 

Initial Deposit via In-Person Deposit or International Money Transfer

  • The initial deposit into the account can also be made via in-person deposit or via any international money transfer platform.
  • Where a customer’s initial deposit was made in-person or via international money transfer, they must provide proof of Foreign Residence/Address. This can be any of the underlisted:
  • Foreign Utility bill bearing the name and address of the customer.
  • International Driver’s License (Front and Back Images) bearing the name and address of the customer.
  • Letter from Notary Public Officer verifying the Identity of the Customer and Foreign Residency Address.

Note:
• All original documentation should be emailed to diasporacustomerservice@zenithbank.com.gh.

• Original copies should be sent to the following address:
Zenith Heights
No.37 Independence Avenue, Accra
P.M.B CT 393, Accra-Ghana
Tel: (+233 302 680884 | +233 307 086370)

  • A safe haven for nationals working abroad to build funds and invest in their home country
  • Opportunity to repatriate earnings to Ghana.
  • Free Zenith-to-Zenith standing orders
  • Free monthly e-statements
  • Access to a complete suite of Zenith e-banking solutions (Z-prompt (SMS & email notification), Internet Banking and Z-Mobile), for a monthly charge.
  • 24/7 access to cash withdrawals and payments on all approved channels of the Bank.
Zenith Aspire Account

Zenith Aspire Account

The Zenith Aspire Account has been designed to enhance and focus on the lifestyle of students in tertiary institutions whilst providing a platform for students to experience the amazing benefits of being Zenith Bank account holders.

DOWNLOAD THE ZENITH ASPIRE ACCOUNT FORM

•    Student must be at least 18 years of age.
•    Student must be a resident and schooling in any tertiary institution in Ghana.
•    A foreign student in Ghana can be eligible for the account if substantial evidence can be provided to support his/her claim of being a student in Ghana.
•    Tertiary Institution refers to all Universities (Undergraduate Level), Technical Institutions as well as any Post-Secondary Institution such as Teacher Training Colleges, Nursing Training Colleges, etc.

•    Initial deposit required of Ghs 20.
•    No minimum account balance required.
•    Aspire accounts will be opened for a duration of 5 years.
•    Aspire cards issued will be for a duration of 3 years and shall be renewable.

  • A completed account opening form.
  • 2 passport size pictures.
  • A valid school ID and Admission Letter (in the event where the admission letter is not readily available, an attestation from the school's administration signed by the Registrar or Head of Department confirming the student as a confirmed member of the school shall be acceptable).
  • A valid ID (Ghana card) and Admission letter shall be accepted in the event where a student is unable to provide a valid school ID card.
  • Foreign Students - (International Passport, Residence Permit and Non-Citizen's card).
  • A completed and signed mandate card.
  • Prepaid cards requested by students will require a valid Ghana card.

•    50% reduction on all regular bank charges for the use of any Zenith e-banking channel.
•    Secure, convenient and provides efficient banking services to the student population in Ghana.
•    Discounts at selected merchant locations.

Zenith Children’s Account (ZECA)

Zenith Children’s Account (ZECA)

A savings account to build a savings culture in children between 0-17 years.

  • Competitive Interest rate.
  • Minimum initial deposit of GHS 200.
  • Minimum monthly deposit of GHS 50.
  • Free standing orders (from Zenith accounts).
  • Quarterly withdrawals and standing orders are allowed (up to 4 withdrawals a year).
  • Account opening form duly filled.
  • 2 passport-sized pictures of parent/guardian and child (name & signature on reverse).
  • A valid national ID of parent/guardian (Ghana card).
  • Residence permit & non-citizen card (where applicable).
  • Utility bill (not older than six months)
  • Mandatory initial deposit.
  • Competitive rate.
  • Free internet banking and e-statements.
  • Savings may be held as security for loans to guardians.
  • Encourages early savings behaviour in minors.
  • Participation in Bank's events such as the Zenith Health Walk and children’s parties.
  • Branded gifts for accounts opened with initial deposit of more than GHS 200.
Zenith Children’s Plus Account (ZECA Plus)

Zenith Children’s Plus Account (ZECA Plus)

Saving for your child’s future just got easier with ZECA Plus, a savings account for children between 0-17 years.

This account has been designed to give your child a secure financial foundation. The features, benefits and requirements have been put together with your child's future in mind.

 

•    Competitive Interest rate.
•    Minimum initial deposit of GHS 500.
•    Minimum monthly deposit of GHS 200.
•    Free standing orders (from Zenith accounts) to build up funds.
•    Quarterly withdrawals and standing orders are allowed (up to 4 withdrawals a year).

•    Account opening form duly filled.
•    2 passport-sized pictures of parent/guardian and child (name & signature on reverse).
•    A valid national ID of parent/guardian (Ghana Card).
•    Residence permit & non-citizen card (where applicable).
•    Utility bill (not older than six months).
•    Mandatory initial deposit.

•    Competitive rates.
•    Free internet banking and e-statements.
•    Free standing order/bank drafts to pay school fees.
•    Participation in the Bank's events such as the Zenith Health Walk and children's parties.
•    Branded gifts for accounts opened with initial deposit of more than GHS 1,000.

Foreign Exchange Account (FEA)

Foreign Exchange Account (FEA)

 Foreign exchange current account  facilitates smooth business transactions in the major trading currencies.

  • Allows customers the flexibility to transact business in foreign currency.
  • Eliminates the need to carry large amount of cash.
  • A secure depository for foreign currency.
  • Cheque book issuance for easier payments.
  • Enhances easy payments for purchases of goods and services.
  • Allows funding from different sources – transfers (onshore, offshore) cash or cheques.
  • Available in USD, EURO, GBP.
  • Electronic banking services such as Z-Prompt, E- statement and Internet banking are available on this account.

* Terms & conditions apply.

Foreign Currency Account (FCA)

Foreign Currency Account (FCA)

Foreign currency accounts are available to clients who regularly receive remittances from offshore sources. Funding for this account is restricted to offshore remittances and offshore cheques.

  • Allows customers the flexibility to transact business in foreign currency.
  • A secure depository for foreign currency.
  • Cheque book issuance for easier payments.
  • Enhances easy payments for purchases of goods and services.
  • Available in USD, EURO, GBP.
  • Funds can be withdrawn or transferred offshore without restrictions
Investment (Treasury) products

Investment (Treasury) products

Below are the various investment products we have for our customers:

This is an investment for an indefinite period, which may be withdrawn on demand.

Features:

  • Competitive interest rates.
  • Daily interest accrual.
  • Guaranteed liquidity of investment.
  • Very flexible and accessible money market product.
  • Tiered interest rates according to deposit amounts and call tenor.
  • Call/Current account sweep facility.

An investment vehicle where funds or deposits are locked in for a specific fixed period at a fixed interest rate.

Features:

  • Interest is paid upon maturity of the investment.
  • Competitive interest rates.
  • Tenors of 30 days, 91 days, 182 days, 1 year and 2 years are available.
  • Funds may be rolled over upon request.

Treasury bills (T-bills) are government-backed securities issued by Bank of Ghana usually with maturity periods of 91 days, 182 days or a year. T-bills for longer periods (1 year Treasury note, the 2 year Treasury bond, and the 3 year Treasury bond) are also available. Treasury bills are made available at all the branches of Zenith Bank.

Features:

  • Roll over only the principal amount and receive accrued interest.
  • Roll over both the principal and the accrued interest.
  • Can be re discounted at the bank

 Requirements:

  • Application form to be filled in at the Bank's  Customer Services Unit (CSU) , alternatively

Benefits:

  • Tenor varies depending on type of security:
  • BOG Bills- for periods below 1 year
  • BOG Notes-for 1 and two year papers
  • BOG Bonds-for periods above 2 years
    Repayment is guaranteed by the Sovereign backing of the Government of Ghana.

Zenith Bank provides timely updates and investment advice to enable you to effectively manage your portfolio.

This is an investment instrument ideal for individuals to build up adequate financial resources for the purchase of motor vehicles, landed properties or to start up private business.

Features:

  • A fixed amount is transferred on a specified date from the customer's account to the ZISA account every month (standing order).
  • The customer's account must be adequately funded to facilitate the processing of standing orders. Changes to standing orders are allowed but will take effect the following month.
  • The investment automatically renews at the end of every year from the date of initial investment.

Requirements:

  • A customer instruction to carry out the investment or a duly completed investment application form.
  • Minimum initial deposit is GHS100.
  • Minimum monthly standing order of GHS 50.

Benefits:

  • The highest call rate published by the Bank plus a margin of 200 basis points.
  • Withdrawals are allowed twice every 12 months (otherwise a penalty is charged).
  • Monthly compounding interest.

ZIRA (Zenith Investment Retirement Account) is an investment account designed for High-Net-Worth individual customers desirous of saving for their retirement or pension.

Features:

  • Minimum initial deposit is GHS 500.
  • Minimum monthly deposit GHC100.
  • Investment Advisory services.
  • A fixed amount is transferred on a specified date from the customer's account to the ZIRA account every month (standing order).
  • The customer's account must be adequately funded to facilitate the processing of standing orders. Changes to standing orders are allowed but will take effect the following month.
  • The investment automatically renews at the end of every year from the date of initial investment.

Requirements:

  • A customer instruction to carry out the investment or a duly completed investment application form.
  • Minimum Initial capital of GHS500.
  • Withdrawals are allowed twice every 12 months (otherwise a penalty is charged).

Benefits:

  • The highest call rate published by the Bank plus a margin of 250 basis points.
  • Monthly compounding interest.

SBBA is a repurchase agreement transaction whereby a party (SBBA Seller–Zenith Bank) sells securities at an agreed price to the other party (SBBA Buyer-Customer) and subsequently the SBBA buyer and SBBA seller enter into another agreement thereon whereby the former promises to sell and the latter to buy back the securities on a specified future date and at an agreed price.

Features

  • SBBA agreement.
  • Minimum transaction value is GHS2,000,000.00.
  • Principal and interest/coupon is paid at maturity.
  • Competitive interest rates/yields.
  • Funds may be rolled over upon request.
  • 91 and 182 day SBBA is currently available to customers.

Securities Backed Investment (SBI) is a repurchase transaction whereby a party (SBI Seller) sells securities at an agreed price to the other party (SBI Buyer) with the promise to buy back the securities on a specified future date (coupon payment date) and at an agreed price.

Features

  • Minimum transaction value is GHS10,000.00.
  • The SBI transaction has a fixed maturity date (next coupon payment date). The tenor of the investment will therefore be from settlement date to fixed coupon/maturity date.
  • Various tenors available.
  • Principal and interest/coupon is paid at coupon payment/maturity date.
  • Competitive interest rates/yields.
  • Funds may be rolled over upon request.
  • Government of Ghana and corporate bonds are available
  • Competitive yields available for a wide range of corporate and GOG bonds. Bonds are traded on yield to maturity or prices
  • Customer receives coupon payments and face value per a particular bonds coupon payment schedule
  • Minimum settlement value is GHS10,000.00
  • Liquidations (whole or partial) on any date from the 1st to the 15th day of the month shall attract a penal charge of 100% of interest accrued in the month. (Applicable to ZISA and ZIRA)
  • Liquidations (whole or partial) on any date from the 16th to the final day of the month shall attract a penal charge of 75% of interest accrued in the month. (Applicable to ZISA and ZIRA)
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