How to Reactivate Zenith Bank Dormant Account Online

How to Reactivate Zenith Bank Dormant Account Online

If your Zenith Bank account is dormant, you can reactivate it online easily. Without going to the bank or filling out a form, you can recover your dormant account on the Zenith Bank website. All you need is to follow the right steps and enter the correct required information to activate it.

In this post, you will learn extensively about a dormant Zenith Bank account and the steps in reactivating it online. Also, understand the reasons, limits, requirements, alternatives, and other related topics.

Why is a Zenith Bank Account Dormant?

Zenith Bank Dormant Account

A Zenith Bank account is dormant when inactive for up to a year. Inactivity in this context means no financial transactions, such as withdrawals or transfers, during the designated timeframe.

According to Zenith Bank, when you do not run your account within a year, the bank is mandated by CBN to make it dormant.

This directive may sound harsh but it is not. The primary reason for an account becoming dormant is to safeguard the customer’s funds and maintain the integrity of the banking system.

Zenith Bank places certain limits on dormant accounts. The account holders are restricted from withdrawing or transferring money until the account is reactivated.

Although you cannot access money from a Zenith dormant account, the funds remain secure. By unblocking your dormant, you regain full access and functionality.

There are a few ways to reactivate a Zenith Bank dormant account. The following recovery methods are online self-service, USSD code, and visiting a Zenith Bank branch.

However, this post focuses on using the online method to reactivate a Zenith account which is more convenient.

Read: How to Reactivate Zenith Bank Dormant Account with USSD code

How to Reactivate Zenith Bank Dormant Account Online

Activating a Zenith Bank dormant account online is fast and easy. Here are the simple steps to follow:

How to Reactivate Zenith Bank Dormant Account Online

1. Visit the Zenith Bank Self-Service Website

To open your Zenith Bank dormant account, start by heading to the official Zenith Bank website. Once you’re there, navigate to the self-service page.

If you use a phone to access the Zenith Bank site, you will see self-service at the top. However, if you use a computer, you will see it beside the screen.

Alternatively, click this direct link to Zenith self-service to start the reactivating process of your dormant account.

2. Select Reactivate Dormant Account:

Within the Zenith self-service section, you’ll see a list of options. Look for the one that says “Reactivate Dormant Account” and select it. It is the second option on the list.

This option is specifically designed to help customers like you recover their Zenith dormant accounts seamlessly.

Zenith Bank self service

3. Enter Required Information:

On the next page, Zenith Bank will request key details to ensure a smooth reactivation process. Enter the required information accurately.

Zenith Bank Dormant requirements

Here are the information Zenith Bank requires to unlock your dormant account online:

  • Zenith account number
  • BVN (Bank Verification Number)
  • First name
  • Last name
  • Lastly, phone number.

Ensure all the details match the information associated with your Zenith dormant account.

4. Activate Your Zenith Bank Account:

Once you’ve entered all the necessary information, the final step is to click the “Activate” button. This action signals to Zenith Bank that you’re ready to bring your account back to life.

After this, the bank will process your request, and you should receive confirmation of your reactivated account shortly.

Requirements to Reactivate Zenith Dormant Account Online

To recover your Zenith dormant account, certain essential requirements must be met. Here’s a breakdown of the information you’ll need to provide when reactivating your Zenith Bank dormant account online:

  1. Zenith Account Number: The first requirement to reactivate your Zenith Bank dormant account online is to enter your account number. Hence, Zenith Bank will ask you to give the details of your 10-digit account number.
  2. First Name and Last Name: Next, Zenith Bank requires you to type in your First Name and Last Name. Your first name is your given name while your Last Name is your surname. These names must correspond with your Zenith account name.
  3. BVN (Bank Verification Number): It is essential to enter BVN to retrieve your Zenith Bank dormant account.
  4. Phone Number: Also, part of the requirements for activating your Zenith dormant account is entering your phone number which is linked to the bank account.

Benefits of Reactivating Zenith Bank Dormant Account Online

Reactivating your dormant Zenith Bank account online comes with several notable benefits:

  • Convenience: The online reactivation process offers a convenient and accessible way to revive your dormant account. You can initiate the process from the comfort of your home or any location with internet access.
  • Time Efficiency: Reactivating your account online typically involves a swift and efficient process. This can save you time compared to visiting a physical bank branch, allowing you to resume regular banking activities promptly.
  • 24/7 Accessibility: Online reactivation provides the flexibility of initiating the process at any time, day or night. This 24/7 accessibility ensures that you can reactivate your account whenever it suits your schedule.
  • Secure Transactions: Zenith Bank’s online self-service platform is designed with security measures to protect your personal information. This ensures that the reactivation process is not only convenient but also secure.
  • User-Friendly Interface: The online platform is often user-friendly, guiding you through the necessary steps with clear instructions. This user-centric approach enhances the overall experience of reactivating your dormant Zenith Bank account.

How to know if your Zenith account is Dormant

Evidence that your Zenith Bank account is dormant is the inability to withdraw funds or initiate transfers from your account after a long period.

For example, you cannot withdraw money at an ATM or bank branch, or transfer money using Zenith Bank USSD code or other methods. These are signals that your account is in a dormant state.

The dormancy status is a protective measure employed by banks to safeguard accounts that have been inactive for an extended period. However, this shouldn’t cause undue worry; rather, it prompts you to take proactive steps to revive the account.

Additionally, to confirm whether your Zenith Bank account is indeed dormant, reach out to the customer care service. A Zenith Bank customer care representative can verify the status of your account and assist you in activating it.

FAQs on Activating Zenith Bank Dormant Account

Here are answers to the frequently answered questions (FAQs) on reactivating a Zenith dormant account:

What is a Zenith Bank Dormant Account

A Zenith Bank account is dormant when inactive for up to a year. This prompts the bank to limit the outflow of funds from the account such as withdrawing or transferring of money.

Can a Zenith Bank Dormant Account be Reactivated

Certainly, a Zenith Dormant account can be reactivated. You can activate it through the Zenith Bank Website, USSD Code, or visit any Zenith Bank branch.

How can I open my Zenith Bank Dormant account online

To open your Zenith Bank dormant account online, follow these steps:

  1. Visit the Zenith Bank Website: Start by visiting the official Zenith Bank website.
  2. Click on Self-Service: Navigate to the self-service page to initiate the dormant account reactivation process.
  3. Select Reactivate Dormant Account: Within the self-service options, choose “Reactivate Dormant Account” to start the process.
  4. Enter Required Information: Input the following necessary details: Zenith account number, BVN, first name, last name, and the phone number associated with the account.
  5. Activate Your Zenith Bank Account: To finalize the process, click the “Activate” button and your Zenith dormant account will be activated.

How long does it take to Reactivate Zenith Dormant Account?

The reactivation process for a dormant Zenith Bank account is typically a prompt and efficient procedure. Once you’ve submitted the required information and it matches, Zenith Bank will open your dormant account in a few minutes.

After that, you need to deposit money into the account to lift the Zenith bank restriction.

What happens to my money if the Zenith Account is dormant

If your Zenith Bank account becomes dormant due to prolonged inactivity, your money remains secure and untouched. The bank implements dormant account status as a precautionary measure to protect the funds within

During this dormant period, you lose access to your money but it is still yours until you reactivate your Zenith account.

Can I withdraw money from my Zenith dormant account?

No. When your Zenith Bank account is in a dormant state, you are temporarily unable to withdraw money from it. The dormant status is a precautionary measure implemented by the bank to protect the account from unauthorized access or potential misuse during periods of prolonged inactivity.

While withdrawals are restricted during this dormant period, the funds in the account remain secure and untouched.

How do I know if my Zenith dormant account is now active

When you reactivate your dormant account online, Zenith Bank will send a confirmation message to your phone. This SMS shows that your reactivation request is successful and welcomes you back.

Additionally, you can personally test if your Zenith account is active by attempting to transfer or withdraw money. If successful, it indicates that your dormant account is now active and fully operational.

Alternatively, you can contact Zenith Bank’s customer care to confirm your account status. You can reach out through their hotline or social media where a representative will verify if your dormant account is active.

How many months does it take for Zenith account to be dormant?

A Zenith Bank account is classified as dormant when there is no account activity for a period ranging from 6 months to 1 year.

If an account remains inactive within this time frame, with no transactions such as withdrawals or transfers, it triggers the dormant status.


In conclusion, reactivating your dormant Zenith Bank account is a straightforward process, particularly when utilizing the online self-service platform. By following the outlined steps, which typically include visiting the Zenith Bank website, selecting the “Reactivate Dormant Account” option, and entering the required information, you can efficiently revive your dormant account.

This approach offers the benefits of convenience, time efficiency, 24/7 accessibility, secure transactions, real-time updates, and a user-friendly interface.

Whether you choose to reactivate your account online or explore alternative methods like visiting a branch, the key is to initiate the process promptly, ensuring you regain full access to your funds and resume normal banking activities seamlessly.

I hope you find this information helpful.

Therefore, try it and let me know your experience by leaving a message in the comment section below or Facebook page.

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