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Zenith Bank Transfer Code Without ATM Card

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The method of using Zenith Bank Transfer Code Without ATM Card will be clearly explained inside this piece. This article will also explain the Zenith Bank transfer code and methods to use it will be explained.

To begin If you had asked about this several times in the past, you would not find any answers. However, the good news is that the advancement in technologies have enabled it to be easy to achieve.

I don’t like waiting in long lines at ATM locations across the country , and I’m sure that you do too. We are living in a time when social discord is essential to survival, which makes it even more difficult to access ATMs.

Furthermore, there are instances when circumstances might need you to make an ATM transfer during times when it’s not safe to utilize an ATM. For example, you may want to transfer money during the night.

With regard to the previous factors, the transfer method I’m discussing sharing is the most efficient in the event that it does not require international transfers. In the next installment, we’ll discuss the most efficient method of transferring money overseas.

Zenith Bank Transfer Code Without ATM Card


Due to the advancement of disruptive technological advancements in the banking sector it is now simple to access banking services in the convenience of our home.

The rate of growth and development in the banking industry suggests that we’ll soon come to the time that banks are empty. As you don’t need to visit the bank to access banking services.

This is stark contrast to what was happening a few decades ago and when we needed to transfer money through the post office. And waiting for hours in the bank’s counter to deposit money.

The recent policies of the government might seem counterproductive, they are not. It’s impossible to ignore the energy of nature. It is impossible to continue living in a cash-based society.

Much sooner than later in the future, when cashless economic policies are implemented in full then you’ll have to say goodbye for the beloved Naira note.

Okay, enough of this now let’s look at the various ways to transfer funds to Zenith Bank to other banks without the need for an ATM.

How to Transfer Money From Zenith Bank Without ATM

There are three methods to transfer funds from an account at Zenith Bank account to other banks in Nigeria. They are

Zenith bank is among the top banking institutions in Africa and with their services, you will have three options for you to choose from.

1. Zenith Bank Internet Banking

This is the most efficient method to transfer funds from an Zenith Bank account without atm. And this is due to the fact that this method has the highest amount of transfers per day.

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Zenith Bank Internet Banking Transfer Limit

With Zenith online banking, you can transfer as much as N1,000,000 on the course of a single day. This is higher than the maximum limit for ATM. But, there’s an agreement. If you have a personal account you are able to only cross the limit of N1,000,000 when you own an Zenith Bank token device.

However, if you’ve got an account for a company that is with Zenith Bank, you have the option of limiting your account to N5,000,000 per day, if you’re using the Zenith Bank token device.

Token device is an absolute must as it can increase in security for your account by encryption of transactions, it comes with other benefits , including the possibility of enjoying the best services.

If you’re not sure about the benefits of online banking, my opinion is that online banking isn’t so bad as you thought. Along with the convenience it offers as well as privacy, it is also a great option for.

If you take care when using you’ll reduce a number of the hazards. When you’ve become accustomed to it, you’ll never be able to resist making use of it.

How to Transfer Money From Zenith Bank Using Internet Banking

  1. Visit the login page on the Zenith Bank website.
  2. Enter your username and password.
  3. Choose on the menu dropdown.
    • If you click on the menu to the left, you’ll see transfer funds.
  4. Select fund transfer.
    • After choosing the option to transfer funds After selecting the fund transfer option, enter the recipient’s account number along with the bank name of the recipient.
  5. You can then enter your bank’s online password or token.
    • If you’re using Zenith’s token system, you’ll have to input an electronic token.

2. Zenith Bank Mobile Banking

Difference Between Internet/Online Banking and Mobile Banking

You may be wondering about the differences exist between online bank accounts and mobile banking. There is some subtle differences. Online banking and online banking are available on the official site that the institution operates. It requires a web internet browser to access it.

The mobile banking service, on other side, can only be obtained through Zenith Bank’s officially-approved mobile app of Zenith Bank. Zenith Bank mobile app is available to download from Google Play Store for Android users as well as the Apple Store to iOS users.

You’ll need an iPhone to access a mobile banking service. However, you can use the internet or online banking service via desktop, laptop, phone and any device capable of connecting to Internet and enter characters.

How to Register for Mobile Banking

The best part is that you aren’t required to sign up to use mobile banking at the bank. It is possible to sign up in the comfort of your office, home or in the shop, or wherever else.

What you need is

  • Account number
  • Email address email address
  • Telephone number.

Check these credentials prior to registering to sign up for mobile banking.

To sign up to use Zenith Mobile banking, download Zenith Mobile’s official app from the Google Play Store for Android users as well as the Apple Store for iOS users. Simply follow the directions and voila! You’re done.

If you’ve registered for mobile banking through Zenith bank. I’ll explain how you can transfer money via Zenith Bank’s Mobile App.

NOTE:Once your registration is complete, you are able to pay your bills, purchase data or airtime plans and subscribe to DStv, gotv e.t.c. In addition, the transfer of funds to banks outside of Nigeria.

How to Transfer Money From Zenith Bank (Without ATM) By Using Mobile Banking

  1. Launch the Zenith Bank Mobile App.
  2. Press on the menu button.
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On the left-hand side of the screen when you launch The Mobile App, you’ll find the menu button.

  1. Choose to send money.
  2. Enter the details of the account used by the recipient.
    You’ll have enter the number of the account holder and then choose his bank’s name.
  3. Enter your confirmation PIN or token.

Zenith Bank Mobile App Transfer Limit

Be aware that you can only transfer N500,000 per day for making use of this Mobile App. If you have are transferring a token, your limit rises up to N3,000,000 daily.

Merits of Online and Mobile Banking

  • Ability to request and review the statement of accounts.
  • Higher threshold. The ability to transfer up to N1m. Also, N3m when using the help of an electronic token
  • You can view the balance of your account, number, or BVN number, and BVN without paying N15.

3. Zenith Bank Transfer (USSD) Code [*966#]

It could be the final option on the list however it is definitely not the last. It is the most popular method of transferring funds from a Zenith Bank account without an ATM. It is also not required to use internet access to make this transfer.

People who are more cautious opt for this method over other options mentioned before since all you need to dial is *966# USSD to transfer money.

Many are not aware of alternatives and, when they hear about it, they’re quick to dismiss it as a possibility. This is likely because of the fact that it is widely circulated without a clear source.

Zenith Bank USSD Code Transfer Limit

This could have been the most efficient method of transfer, but it’s limitless. By using USSD Code (*966#) USSD Code (*966#) method, you get a transfer maximum of N20,000 each time you transfer. A daily limit of N100,000.

If, on the other hand, you own an Zenith Bank Token device you can transfer as much as N3,000,000 making use of the USSD code option.

How do I transfer money using USSD Code (*966#)

To transfer money via an USSD Code you need to sign up for the service by registering the Zenith Bank transaction PIN.

How to Register or Create Zenith Bank Pin

  1. Dial *966*00#.
  2. Select “Create PIN.”
    When you dial the USSD code, the next option you will see can be “Create PIN.”
  3. Enter the last four digits from the last four digits of your ATM Card.
    After you’ve entered the final four digits of your debit or credit card, you’ll then be asked to enter a four-digit PIN
  4. Make a PIN with 4 digits.
    Input any preferred pin. It is preferential to use random numbers.
  5. Verify your PIN.
    Verify your PIN with 4 digits. If it’s successful, you’ll get an SMS that reads “Retrieving the balance.” Following that you’ll get an SMS stating the balance of the account. account(s).

How to Transfer Money From Zenith Bank Without ATM Card (*966# USSD Code)

After you’ve set up your Zenith Bank transfer PIN, you are now able to proceed with the transfer. Here’s how to transfer funds with the help of USSD Code;

  1. Dial *966#
  2. Select “Transfers”
  3. Choose the Bank Name of the recipient.
  4. Enter the account number of the recipient.
  5. The amount of the type
  6. Enter the final six digits from your ATM card.
  7. Confirm the transaction


Use Zenith Bank Transfer Code

Another method of transfer funds from Zenith Bank using the phone is to use

  1. Dial *966*Amount*Account Number#

The other method of using to use the USSD number to move funds to Zenith Bank is to dial *966*Amount*Account No. For example, I want to transfer the sum of N20,000 to this account number 0111111111, then I’ll dial *966*20000*0111111111#

  1. Choose the bank name of the beneficiary.
  2. Enter your confirmation number or the six digits that make up the last 6 digits of your ATM card.
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Similar to Internet as well as Mobile Banking, you’ll be charged N52.5K per transaction. People with corporate accounts as well as those who transfer large amounts are charged in a different way.

How to Create or Open an Account on Zenith Bank Using the USSD

Making an account in the majority of Nigerian accounts is now extremely simple in comparison to the past.

To open an account at Zenith Bank dial *966*0# and follow the prompts that appear on the screen.

After you’ve completed the USSD process , you’ll receive get an SMS with you’ve received your bank account’s account numbers. You’ll still need to be physically in one of the branches closest to you for verification as well as for the completion of your account registration procedure.

How to Check Zenith Bank Account Balance

Just dial *966# from your mobile phone and then choose option 3, which will say “check the balance.” This is how simple it is to verify the balance of your Zenith Bank account balance.

The cost for this service is N15 to cover this cost.

If you don’t want not to pay N15 every whenever you look at your balance make use of your Internet Banking or Mobile Banking App option.

Most importantly it is not necessary to ask or click any button to view your balance on your account when using the Mobile or Online Banking. When you log in your account, the balance of your account along with your account number will be shown in big fonts.

Merits of USSD Code Banking

  • It’s lightning-fast.
  • Simple to comprehend.
  • Resource-conservative. It doesn’t require an internet connection.

The Bottom Line

We have thoroughly explained the various ways to get Zenith Bank Transfer Code Without ATM Card. There are a few similarities and differences.

All in all of them, they come with their own dangers and advantages. The usage of USSD code appears to be the fastest, most simple secure and most secure method. It is not without its flaws, such as the limit of money one could transfer for each transaction, and daily.

On the contrary, Internet/Online seem to be the most suitable option for those with the highest threshold. While it comes with its own limitations but it’s also more flexible and advanced in terms of features compared to the USSD code alternative.

In the end, Mobile Banking seem to offer the most beneficial of both however, it is dependent on the requirements of the user. There are not many who make a transaction that exceeds a million naira in one particular.

I would suggest to examine your needs prior to choosing which method to choose. It’s hard to say that one method is superior to one over the other.

Frequently Asked Questions

The Zenith Bank to device costs N3,500 and is available at any Zenith Bank branch nearest to you.

The Bank token device provides an additional layer of protection to your transactions , by encrypting the transaction. In contrast to using an unregistered PIN, which could be compromised by hackers.

Dial *966*Amount*Mobile Number#

For example, dial *966*200*08011112222#.You will NOT be charged for buying airtime.

Dial *966*BVN#

You can then add your BVN to make sure you have updated your Bank Verification number. It is necessary to use the number linked to the number associated with your Zenith Bank account. This is the account number you used to establish the account at your Zenith Bank account.

Dial *966*60# to choose option 6.

Dial *966*60# to select Cardless Withdrawal. Then, follow the prompts.

In order to transfer money to Zenith banking to any bank not located in Nigeria You’ll need open a domestic account.

It is possible to do this using your current or savings account, or by using Western Union. But, there’s no alternative to using MoneyGram due to the fact that Zenith Bank has discontinued the use of MoneyGram to transfer funds.

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