How To Transfer Money From Zenith Bank Without Atm Card
How to Make a Zenith Bank Mobile Transfer
How to transfer money from Zenith Bank without ATM will be explicitly explained in this article. The Zenith Banking company transfer code and ways to use it will also be stated.
First of all, if you lot had inquired well-nigh this many years ago, you wouldn't accept plant whatsoever helpful response. But the proficient news is modern engineering science has made it very simple to attain.
I dislike having to wait at long queues at ATM outlets in the land and I believe you dislike it too. Worse still, we live in periods where social distancing is rather pertinent for survival, which has made it even more hard to apply an ATM.
Additionally, at that place are times where circumstances may require you to make a transfer at periods when it would be dangerous to use an ATM. For instance, you want to make a transfer at nighttime.
In view of the forgoing, the method of transfer I'grand about sharing is therefore the best there is, if it doesn't involve international transfer. In a sequel nosotros'll be disserting the best method to transfer money abroad.
Overview
With the appearance of disruptive technology in the cyberbanking industry, it has become very like shooting fish in a barrel to apply banking services at the comfort of our homes.
The electric current rate of development and growth in the banking sector suggests that there'll come a time when banking halls would be empty. Since you wouldn't need to be in the banking concern to employ banking services.
This is in sharp contrast with what was occuring some decades back, when we had to make coin tranfer via post role. Or having to wait in endless queues at the banking hall to make a deposit.
Although the contempo government policies may seem counterproductive. Information technology is impossible to resist the dynamism of nature. We can't keep to live in a cash-based economy.
Sooner rather than after, when cashless economic policies are adopted in entirety, you'd have to say your goodbyes to the dear Naira note.
Okay, enough talk, let'due south take a look at the dissimilar ways to transfer money from Zenith Bank to other banks without using an ATM.
How to Transfer Money From Zenith Bank Without ATM
There are 3 ways to transfer money from a Zenith Banking company account to other banks in Nigeria. They are;
- Zenith Internet or Online Banking;
- Zenith Mobile Banking; and
- Zenith USSD Code (*966#)
Zenith bank is amongst the all-time banks in Africa and by using their services you take these three options available to you.
one. Zenith Banking concern Internet Banking

This is the best way to transfer money from a Zenith Bank account without atm. And I say this because this method has the highest threshold of transfer per solar day.
Zenith Bank Internet Banking Transfer Limit
With Zenith internet banking you can transfer upward to ₦1,000,000 in a given day. This exceeds the limit of ATM. Fifty-fifty so, there's a clause. For a personal business relationship, you can only accomplish the threshold of ₦1,000,000 if you accept a Zenith Bank token device.
However, if you have a corporate account with Zenith Depository financial institution, y'all accept a limit of ₦5,000,000 per twenty-four hours, provided you're using a Zenith Bank token device.
That said, a token device is a must accept because in add-on to an increase account protection by encrypting transactions, information technology has other benefits such equally enjoying premium services.
Furthermore, if y'all are skeptical about internet banking, my 2 cents is internet cyberbanking isn't every bit bad as you think. In addition to the convenience it brings, it besides provides privacy.
By exercising caution during usage, you'd diminish a lot of potential risks. And by the time you lot become used to it, you wouldn't want to terminate using it.
How to Transfer Money From Zenith Depository financial institution Using Internet Banking
- Go to the login folio on Zenith Bank website.
- Input your username and password.
- Click the dropdown menu.
- When you click on the left choice menu you'll find transfer fund.
- Select fund tranfer.
- Afterward selecting the fund transfer choice, type in the recipient business relationship number, as well as the recipient's bank proper name.
- Then input your internet banking Pivot or token.
- If you use Zenith's token device, y'all'll be required to input a token.
2. Zenith Bank Mobile Banking
Deviation Betwixt Internet/Online Banking and Mobile Banking
You may be wondering what divergence exist between Internet/online banking and mobile banking. Well, there be a subtle divergence. Internet/online banking services are present on the official website of the banking company. And you'd need a browser to access it.
Mobile banking services, on the other mitt, can but be accessed by using the official mobile application of the banking concern. Zenith Bank mobile app is available for download on Google Play Store for Android users and Apple Shop for iOS users.
And so y'all demand to have a smartphone to use a mobile cyberbanking service, whereas you tin access an internet/online banking service through a laptop, desktop, telephone and any device that tin can access the internet and input characters.
How to Register for Mobile Banking
The skillful news is yous don't have to register for mobile banking by going to the bank. Y'all can simply register from the condolement of your habitation, office or shop or anywhere else.
What you need are;
- Your account number;
- Email address; and
- Phone number.
Ensure you have these information earlier registering for mobile banking.
To register for Zenith Mobile cyberbanking, download the official App from Google Play Store for Android users and Apple Store for iOS users. And simply follow the instructions and ta da! You lot're done.
Bold you lot take registered for mobile cyberbanking with Zenith bank. I'll proceed to detailing how to transfer money with the Mobile App.
Notation: Once your registration is completed, y'all tin can pay bills, buy airtime or data plans, subscribe on DStv, gotv e.t.c., in addition to transfering money to other banks in Nigeria.
How to Transfer Money From Zenith Bank (Without ATM) Past Using Mobile Banking
- Launch the Zenith Bank Mobile App.
- Tap the Menu push button.
On the top left corner afterward launching the Mobile App, you'll find the menu button.
- Select transport money.
- Input the recipient'south account details.
You will have to type in the recipient'south account number and select his bank proper name. - Input you confirmation Pin or token.
Zenith Bank Mobile App Transfer Limit
As well, note that you have a threshold of ₦500,000 per day while using the Mobile App. However, if you a token you transfer limit increases to ₦three,000,000 per twenty-four hours.
Claim of Online and Mobile Banking
- Power to request and view argument of account.
- Higher threshold. Able to transfer a maximum of ₦1m. And ₦3m with the use of a token
- You lot can check your account balance, number, BVN number without paying ₦15 accuse.
iii. Zenith Bank Transfer (USSD) Lawmaking [*966#]

This may be the last method on this list, but certainly not the least. It is the nearly famous means to transfer coin from Zenith Bank account without an ATM. And you do non require the internet to practise and then.
Nearly risk adverse person choose the method over the other ones mentioned before because all y'all simply take to do is punch *966# USSD money transfer code.
Some are unaware of the other methods and fifty-fifty when they do hear nigh it, they are quick to dismiss the option. This could exist due to the stance widely disseminated with no discernible source.
Zenith Bank USSD Code Transfer Limit
This could have easily been the best method of transfer if information technology wasn't so ridiculously limited. With the USSD Code (*966#) method you lot take a transfer limit of ₦20,000 per transaction. And a daily limit of ₦100,000.
In dissimilarity, if you accept a Zenith Banking company Token device you lot can transfer upwards to ₦3,000,000 when using the *966# USSD Code option.
How to transfer money using USSD Code (*966#)
In order to transfer coin usingg a USSD Lawmaking y'all need to register for this service by creating a Zenith Bank transaction Pivot.
How to Register or Create Zenith Bank Pin
- Dial *966*00#.
- Select "Create PIN."
In one case y'all dial the USSD code above the 2d option on the prompt is "Create PIN." - Input the last four digit of your ATM Bill of fare.
After typing in the last four digits of you lot debit card, you'll be prompted to create a iv digit Pin - Create a 4 digits PIN.
Insert your preferred PIN. It is best to used randomized numbers. - Ostend your PIN.
Ensure you confirm the four digit Pivot. If this is successful yous volition receive a message that says, "Retrieving your balance." Later on which, you'll receive an SMS with stating the balance in your account(s).
How to Transfer Money From Zenith Banking company Without ATM Card (*966# USSD Lawmaking)
Now that yous have created a Zenith Bank transfer PIN, you can proceed with your transfer. Here is how to transfer money using USSD Code;
- Punch *966#
- Select "Transfers"
- Select the recipient's Banking concern Name
- Input the recipient's Business relationship Number
- Type amount
- Input the last vi digits of you lot ATM menu
- Confirm transaction
Or
Use Zenith Bank Transfer Code
The 2d method to transfer money from zenith bank while using a telephone is;
- Dial *966*Amount*Account Number#
The 2nd method of using the USSD lawmaking to transfer money from Zenith Bank is to punch *966*Amount*Account Number#. For case, I want to transfer the sum of ₦twenty,000 to this business relationship number 0111111111, then I'll punch *966*20000*0111111111#
- Select the recipient's Bank Name
- Input your confirmation or the last 6 digits of your ATM card
Similar Internet and Mobile Banking, you'll exist charged ₦52.5K for each transaction. Corporate account owners and people who transfer extremely large sum are charged differently.
How to Create or Open an Business relationship on Zenith Bank Using the USSD
Creating an account in virtually Nigerian has become extremely like shooting fish in a barrel, dissimilar some years dorsum.
To create an business relationship with Zenith Banking company dial *966*0# and follow the onscreen prompts.
When you're done with the USSD procedure yous'll an SMS stating your account number. Even so, you yet have to exist physically present in a branch closest to you lot for verification and to complete the business relationship cosmos process.
How to Check Zenith Bank Account Balance
Only dial *966# on your mobile phone, then select pick three which should say "cheque residuum." That is but how easy it is to check your Zenith Banking company account remainder.
You will exist charged ₦xv for this service.
If yous do not want to be charged ₦fifteen each fourth dimension you cheque your balance, you can utilise the Net Banking or Mobile Banking App option.
To a higher place all, you don't need to request or click any button to bank check y'all business relationship remainder while using Online or Mobile Banking option. For as soon as you Login, your account balance too as your number are displayed in big fonts.
Claim of USSD Code Banking
- It is lightning fast.
- Easy to sympathize.
- Resource conservative. It doesn't require whatsoever internet connection.
The Bottom Line
We have exhaustively disserted the various methods to transfer coin from Zenith Bank without ATM. These methods may have some similarities and peculiarities.
Even so and all, each has its own risks and add benefits. While the utilize of USSD lawmaking seem to be the fast, simplest, virtually secured and conservative method. Information technology has its drawbacks in the limited amount one tin can transfer per transaction and per day.
On the other hand, Cyberspace/Online seem to be the option with the all-time threshold. Although it has its own caveat, it'southward more than flexible and the most feature rich in comparison with the USSD code option.
Finally, Mobile Cyberbanking seem to have the all-time of both worlds, but information technology all depends on the specific needs of a user. Not everyone makes a transfer of over a 1000000 naira in a given.
My advice therefore is that you lot should evaluate your needs before choosing to use whatever method. It is difficult to say 1 method is better than the other.
Ofttimes Asked Questions
A Zenith Banking concern to device costs N3,500 and can exist purchased in the Zenith Bank branch nearest to y'all.
A Bank token device adds an extra layer of security to your transactions past encrypting the procedure. Unlike when you use a contant registered Pin that tin can be compromised by hackers.
Dial *966*Amount*Mobile Number#
For example, dial *966*200*08011112222#.Y'all will Non exist charged for buying airtime.
Punch *966*BVN#
And so insert your BVN to update your Bank Verification Number. You lot must use the number associated with your Zenith Banking company account. That is the number you used to open up your Zenith Banking company account.
Punch *966*60# and select option six.
Dial *966*lx# and select Cardless Withdrawal, then follow the prompt.
To transfer money from Zenith bank to a banking company that isn't in Nigeria, you'll have to open up a domiciliary business relationship.
You can do this with your naira savings or current account or use Western Matrimony. However, there is no option to use MoneyGram considering Zenith Bank has discontinued the use of MoneyGram for transfers.
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