This post focuses on how to transfer money from your Zenith bank account through USSD code, Apps and Internet banking.
To transfer money from your Zenith bank account to another account, dial *966*Amount*Accountnumber# on your phone for the USSD code. Other transfer options are Zenith mobile app, internet banking and third-party apps.
Therefore, this post helps you understand these transfer methods, their limits and related topics.
So let’s start.
How to Transfer Money from Zenith Bank using USSD Code
The required steps to transfer money from your Zenith bank account to another account using the USSD code are:
- Dial *966*Amount*Accountnumber# on your Zenith registered phone line
- Choose the bank name
- Enter your 4-digit PIN.
- Receive transaction success message and money debited from your account
You don’t need your debit card PIN or details to transfer money from Zenith, just your 4-digit PIN.
However, to use Zenith Bank USSD code service, you need to activate it.
How to Activate Zenith Bank Transfer USSD Code
To start using the Zenith transfer USSD code, you must register it.
Here is how to activate the Zenith Bank transfer USSD code:
- Dial *996*00# on your Zenith registered line
- Input the last 4 digits of your Debit card number.
- Your Account Name will show, enter a new 4-digit PIN
- Confirm your 4-digit PIN
- Lastly, receive a successful activation SMS on your phone
After activating it, you can transfer money from Zenith bank account to other accounts without an ATM debit card – only your USSD banking PIN.
Read: Zenith Bank USSD Codes: How to Activate, Use and Deactivate
How to Transfer Money using Zenith Bank Mobile App
Follow these required steps to transfer money from your Zenith bank account using Mobile app without PIN:
- Download Zenith Bank Mobile App. Go to Android Playstore or IOS App Store
- Enter your Acounber Number and Password
- Go to Transfer and select your option. Zenith Account Transfer or Other Banks Transfer
- Enter the Amount and other details.
- Enter your PIN, Token code or Password.
- Lastly, confirm the transaction.
However, to also use the Zenith bank mobile app, you need to activate it.
How to Register and Activate Zenith Bank Mobile App
Below are the required steps to register and activate Zenith bank mobile app for transfer:
- Download Zenith Bank Mobile App. Go to Android Playstore or IOS App store
- Tap Register on the Zenith app.
- Enter your account number. 10-digit NBAN
- Select from the 3 registration options. Hardware token, Debit card, or Bank Activation
- Complete your registration process.
- Finally, your account is activated for Mobile Banking
To use Zenith mobile app for bank transfers without a debit card, choose either Hardware token or Bank activation which you can get from any Zenith branch.
How to transfer money using Zenith Bank Internet Banking
Follow these simple steps to transfer money from your Zenith bank account using internet banking without PIN:
- Go to Zenith Bank internet portal. Click here
- Login your account details. Account number with PIN and Token or Password
- Go to Transfer and select your option. Zenith Account Transfer or Other Banks Transfer
- Enter the Amount and other details
- Enter your Token code.
- Lastly, confirm the transaction.
Also, to use Zenith bank internet banking, you need to apply for it.
How to Apply and Activate Zenith Bank Internet Banking
Below are the steps and requirements to register and activate Zenith bank internet banking for transfer:
- Download the Application form here
- Print and fill out the Application form.
- Submit it to any Zenith branch close to you.
- Alternatively, go to any Zenith branch and fill out the form
- You will get your login details for internet banking
- Log in and start using it.
Apps to Transfer Money From Zenith Bank Account For Free
Zenith bank transfer to other Zenith accounts is free, except when using the USSD code. But, Zenith charges you when you transfer to other bank accounts.
So, below are the required steps to transfer money from your Zenith bank account for free:
- Open an account with a legitimate finance or digital bank app.
- Link your Zenith bank debit card to the app
- Transfer money to the app through your Zenith Debit card
- Lastly, transfer from the app to any bank account for free.
Therefore, below are some best digital bank or finance apps to transfer from Zenith to any bank account in Nigeria for free:
- Branch App
- Mintyn Bank
So, let me explain them
1. Branch App
The Branch app is a fintech app that offers financial services such as loans, free bank transfers, investments and payments of bills, airtime and data to its millions of users.
Hence, you can use Branch App to transfer money from your Zenith bank account to any bank account in Nigeria for free.
Other benefits of the Branch app are: you get a referral bonus of 650 Naira, 5000+ rewards, access to loans, 20% ROI on investments and discounts on airtime and bills payment.
To understand better, read these posts and sign-up:
- Branch App Review: Free Transfers, 20% Investment…
- How to get Branch 650 Naira Sign-up Bonus and 5000+ Naira Rewards
- How to Qualify for Branch App Loan Review
2. Mintyn Bank
Mintyn is an online bank that offers personal and business accounts, savings plans, investments and other banking solutions to Nigerians.
Indeed, Mintyn Bank is one of the best free apps to transfer money from your Zenith bank account to any bank account in Nigeria. To do this, fund your Mintyn account with your Zenith card for free.
Other benefits of Mintyn bank: Virtual card, free physical debit card and easy CAC business registration.
Read: How to Sign up and get Mintyn Bank Referral Bonus
How to Transfer Money From Zenith Bank Without ATM Debit Card
To transfer money from your Zenith bank account without an ATM debit card, use the mobile app or internet banking and get a hardware token or eToken app.
You can get the hardware token from any Zenith bank branch.
Whereas, download Zenith eToken app on Google Playstore or App Store. To activate it, you will need a hardware token, Debit card or get the code from any Zenith branch
How to Transfer Money From Zenith Bank Without PIN
Below are the required steps on how to transfer money from Zenith bank account without a PIN:
- Launch the Zenith Bank Mobile App or Internet Banking.
- Enter your Acounber Number and Password
- Go to Transfer and select your option. Zenith Account Transfer or Other Banks Transfer
- Enter the Amount and other details.
- Enter your Token OTP code. Use hardware token or eToken app
- Lastly, confirm the transaction.
If why you want to transfer money from your Zenith bank account without a PIN is because you forgot it, then reset your PIN by dialling *966*60#
Zenith Bank Daily Transfer Limit
The following are the zenith bank daily transfer limits using *996# USSD Code, mobile app and internet banking:
| Zenith Bank Platform Type | Zenith Bank Daily transfer Limit |
|---|---|
| *996# USSD code | 100,000 Naira |
| Internet Banking | 5 Million Naira |
| Mobile App using Token | 2 Million Naira |
| Mobile App using ATM Debit Card | 100,000 Naira |
| Mobile App using Bank Activation | 20,000 Naira |
| Airtime purchase with *996# USSD code | 3000 Naira |
How to Increase Zenith Bank Daily Transfer Limit
The requirement to increase your Zenith bank account daily transfer limit from ₦100,000 with USSD banking is to dial the code *966*60#. After that, you can transfer money up to 1 million Naira on your mobile phone.
To increase your Zenith bank transfer limit on the mobile app, get a hardware token or e-token app. Then activate it and use it to authenticate your transactions up to 5 million Naira
Final Thoughts
Finally, I hope you now understand how to transfer money from Zenith Bank to other bank accounts through USSD, mobile app and internet banking.
Also, you can do these transfers for free using the apps I suggest above.
Personally, this is how I have been sending money for a long time without paying transfer charges.
While I use my bank’s mobile app to do intra-bank transfers which is free.
Therefore, try it and let me know your experience and also leave a message in the comment section below.
