How To Open A Student Bank Account In Nigeria

Hello Welcome To Fulloaded Technology Guide , in this tutorial you we learn How To Open A Student Account In Nigeria  An understudy account is a kind of financial balance planned solely for college, polytechnic and undergrads. This sort of record depends on the standard records offered by banks, yet the variety is that, understudy account is explicitly intended for understudies.


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How To Open A Student Bank Account In Nigeria

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By this, understudies are available to benefits including gifts and sans interest overdrafts with respect to their examination. When opening an understudy account, to demonstrate your studentship, you should demonstrate your understudy status, something we’ll come to later in the article.

How To Open a UBA Student Account  In Nigeria


United Bank for Africa Plc, is a Nigerian pan-African financial services group headquartered in Lagos. It has subsidiaries in 20 African countries and offices in London, Paris and New York. It is listed as commercial bank by the Central Bank of Nigeria.


That is why UBA have a wide range of accounts to fit everyone, regardless of situation or lifestyle. So whether you want a basic account or one bursting with options, you will find the right account that meets your expectations.

UBA Student Account is your first step towards financial independence. If you are an undergraduate between the ages of 16 to 25, this account is designed to help you make the most of your money.

Benefits Of Open a UBA Student Account


  1. Spend anywhere in the world with our UBA cards on ATM, POS & Online.
  2.  Bank whenever you want, pay bills and send money quickly, easily and securely, 24 hours a day on any of our digital channels.


What do I Need to Open a UBA Student Account



• Take your bank to school with you via the mobile app or LEO
• Make quick transfers and payments with or without airtime with our USSD platform.
• Choose from any of custom card products for easy payments on e-channels.
• Enjoy unlimited free Wi-Fi at select UBA campus branches.
•A chance to participate in the UBA campus ambassador program


UBA student savings account


The Zero Instant Savings Account is savings account which can be opened without immediate funding. It is designed to encourage the un-banked and the under-banked to open a savings account



  • Zero opening balance.
  • Maximum cumulative balance of N300, 000
  • Maximum single deposit of N50, 000.




UBA student account limit

Don’t bother about the limit all you need is to get Started .



Question & Answer


Q: Can I open a student account online?

Most banks now allow you to apply online for a student bank account, but you will still have to send off supporting documents or take them into your local branch. … Once you’ve opened a new account, be sure to update Student Finance of your new bank account details (you can do it online).


Q: How do I open a UBA account on my phone?

The use of UBA magic banking for account opening online is very seamless and swift in the following arrangements: Dial *919# on your mobile phone, select the option “7”, select the option “7” again then select option “3” which shows account opening.


Q: Can you open a bank account without going to the bank?

There’s no need to visit a branch to open a bank account anymore. You can open a bank account, deposit money and set up automatic payments all from the comfort of your home. Once you‘ve applied, just wait for the card to be sent you in the mail, activate the account and you‘re good to go.



How To Open a FCMB Student Account In Nigeria

First City Monument Bank Ltd is a banking group, headquartered in Lagos. As of December 2019, the bank’s total assets were valued at US$4.4 billion.


FCMB Student Account  (Flexx ) account is a savings account designed for youths between the ages of 18 to 30.

The Flexx account is designed to provide banking solutions to youths with fun, service and the future as the cornerstone. This account is a naira denominated account.

Why choose FCMB Student Account?

  • ₦1,050 opening balance
  • Allows lodgment of dividend warrant of up to ₦20,000
  • Zero Minimum operating balance
  • Free E-mail transaction notifications
  • Free monthly electronic statements
  • Branded MasterCard debit card
  • Entrepreneurship/Employability Forums
  • Interest on savings
  • Access to loans for qualified Flexx customers
  • Annual interest of 3.75%

Who is the FCMB Student Account targeted at?

  • Flexx is targeted at Students, Corpers and Young Professionals

What do I require to open FCMB Student Account?

In order to open a Flexx Account, customers must provide the following:

  • Completed account opening form/ Online account opening platform
  • 1 passport photograph
  • Student ID or Appropriate document issued by school for the current session or academic year.
  • National ID or international passport.




FCMB Savings Account

Perfect to get you into the habit of saving”
The FCMB Classic Savings Account is a compact account that offers comprehensive and flexible banking services to all segments of consumers.


  • Open with as low as ₦ 5, 000
  • 3rd party withdrawals over the counter of any FCMB branch(upon provision of one reference)
  • Allows for the lodgement of clearing instruments (upon provision of one reference)
  • Instant access to your money in all FCMB branches ATMs nationwide.
  • Zero Commission on Turnover (COT)
  • Access to debit card
  • Free monthly electronic statements by e-mail
  • Access to internet and mobile banking.

What do I require to open a FCMB Savings Account?

  • A duly completed account opening package
  • Two (2) passport photographs of each authorised signatory
  • Proof of identification such as an Original passport, Driver’s Licence, National ID card, military and police ID cards (for sighting).
  • A copy of a residence or work permit for foreign account holders is required.


Q: What is the maximum amount in a Fcmb student account?

A: You can deposit up to N300,000 daily with single deposit limit of N50,000.



How To Open a GTbank Student Account In Nigeria


Guaranty Trust Bank PLC also known as GTBank or simply GTB is a Nigerian multinational financial institution, that offers online/internet banking, retail banking, corporate banking, investment banking and asset management services, with its head office in Victoria Island, Lagos. (GTCrea8 account)


You can now open your GTCrea8 account with just a passport photograph. This level 1 account has a transaction limit of single deposit limit of N50,000 and cumulative balance of N300,000. Less is more with the GTCrea8 e-Savers account. As an account holder, you enjoy exclusive banking privileges, including:


What do I Need to Open a GTbank Student Account (GTCrea8 account)


GTCrea8 eSavers Account customers are grouped into three different categories; Level 1, Level 2, and Level 3. As such, each category has different operational requirements. Please see below for the features of each level.


Level 1 Level 2 Level 3
Documentation Completed AOP with school details and passport picture. • Completed AOP • Student ID (school/ departmental/ association/ library card) or Biodata Page • Completed AOP • Student ID • Regulatory ID




Transaction Limits • N50,000 max single deposit • N300,000 cumulative balance • N100,000 max single deposit • N500,000 cumulative balance • Cheques & Dividend warrants to a maximum of N100,000 Allows lodgments of cheques, drafts and dividends into the account, subject to a maximum of N1,000,000 per instrument
Naira MasterCard Instant Card GTCrea8 card (Local) with N500,000 spending limit GTCrea8 (Int’l) with N150,000 ATM limit, $3,000 spend limit



Question & Answer


Q: What is the maximum amount in a GTBank student account?

The GtBank GTCrea8 esavers student account has a single deposit limit of N100,000 and your account balance should not exceed N500,000.


Q: Why is my GTB account restricted?

GTBank account Restrictions. Answer: Account restriction refers to a situation where your account is not allowed to perform certain transactions. This could be as a result of incomplete documentation, certain account class, BVN linkage etc.


Q: How do I unfreeze my GTB account?


Simply make a deposit, withdrawal, transfer or POS transaction on the inactive account and it will be reactivated automatically. Kindly download the dormant account reactivation form HERE and submit the completed form at any of our branches or to the email:, alongside the following documents.


Q: How do I know if my GTB account is active?

If you haven’t activate mobile banking using ussd codes, CLICK HERE. To check your GTB account number using USSD code, popularly known as magic banking, all you need to do is dial *737*6*1#.


Q: How can I block my GTB ATM Using SMS?

Block GTBank ATM Card Using SMS

Text “HOTLIST (Account Number)” to 08076665555. Once the text has been your account will be locked and ATM blocked.


Q: How can I check my GTB account online?

If you have not received your login details, please visit and click on the REGISTER button on the internet banking tab or dial *737*6*5# from your registered phone number with the bank. Kindly note that the Password must be changed within 2 hours of receiving same.

Q: How can I verify my GTB account?

Dial *737*6*1# on the mobile phone number you used to open your Guaranty Trust Bank account and follow the instruction. If it doesn’t work, you then have to register the number by dialing, *737#.






How to open a Zenith Bank Student Account in Nigeria



Zenith Bank Plc is a large financial service provider in Nigeria and Anglophone West Africa. It is licensed as a commercial bank by the Central Bank of Nigeria, the national banking regulator. As of 31 December 2019, it holds $16.1bn in total assets, with shareholders’ equity of $854 million.


Zenith Bank Student Account (Aspire Account)

The Aspire Account by Zenith is a unique savings account for the Nigerian undergraduate with a distinctive sense of identity. Designed to enhance the lifestyle of the discerning student, the Aspire account provides a platform for its holders to follow their dreams, supporting them as they aspire to greatness.




  • Interest Bearing

Your money never sleeps in an Aspire account, earning interest at 1.15% and growing steadily even while you sleep.


  • Unique MasterCard card design

Student can choose any of the three-different card designs of Ultra, Ace & Zeal at N500 only. One of them is sure to mirror your lifestyle and reflect your identity.


  • Cashless banking

Counting cash is so 1990. Embrace the future with cashless banking via ATM, Mobile, POS and Web.


  • Deep discounts

Enjoy exclusive discounts and periodic promotions from our partner merchants to help you get more out of life.


  • Transaction notifications (Alertz)

Be the first to know when transactions occur on your account via email and SMS transaction alerts.

1. Account opening form duly completed.
2. One recent clear passport photograph of signatory.
3. A valid School Identity Card, Admission Letter or National Identification Number Card/NIN (for 16-18 years).
4. Details of Parents/Guardian (for 16-18years).


  • *966# EazyBanking
  • Zenith Internet Banking
  • In-branch at any Zenith Bank branch
  • ZenithDirect – our 24/7 telephone banking
  • Zenith Bank ATM nation-wide – free cash withdrawal
  • Zenith Mobile Banking App – 24/7 on your smart phone
  • Access your account using your Zenith Bank debit card at participating merchant stores for payment of goods and services in Nigeria and anywhere in the world



Question & Answer



Q: What is the maximum amount for student account in Zenith Bank?

limit of N100,000; viii. that the operation of this account shall be valid only within Nigeria or any limit that may from time to time be imposed by law or regulations; ix.


Q: How can I open student account in Zenith Bank?


  1. Account opening form duly completed.
  2. One recent clear passport photograph of signatory.
  3. Identification of signatory (Driver’s License, International Passport, National Identity Card or Voter’s Card)

Q: Can I use my Zenith bank card abroad?


The new Zenith Bank Pounds and Euro Visa Debit Cards support ATM withdrawals abroad and POS/Online payments at merchant locations in over 210 Countries. Customers can obtain a Zenith Bank Pounds or Euro Visa Debit Card at any of the Bank’s branches nationwide.


Q: What is the transfer limit for Zenith Bank?


5 million
Kindly be advised that you are limited to N100,000 without a hardware token device, and a transfer limit of 2 million to other banks and 5 million to Zenith accounts with the hardware token device.

Q: What is the minimum balance for Zenith Bank?


The Zenith Bank Gold Account is an interest bearing current account designed for customers that have more inflow transactions than outflows. The account pays out 1.7% interest per annum on daily account balances and has a minimum balance requirement of N1,000,000.00 (One Million Naira) at all times.


Q: How do I check my Zenith balance online?


To check for balances on any of your accounts, all you need to do is simply dial; *966*00# on your mobile phone and follow the on-screen prompts. You can now use *966# Eazy Banking to make POS payments and cash withdrawals. OTHER ZENITH BANK USSD CODE TRANSACTION YOU NEED TO KNOW.


Q: How can I transfer money from Zenith Bank without ATM?


Dial *966*Amount*Account Number# (e.g. *966*1000*1234567890#) from the phone number you registered with Zenith Bank, then follow the on-screen prompts.


Q: How do I activate Zenith internet banking?


Go to
  1. Enter your Zenith Bank account number.
  2. Select PIN and token or password which one you want to login with.
  3. Click on “Login” to sign in to your bank account online.

 Which of Nigerian Bank you want to open, and we do not list them here, and you want us to Guide you, kindly drop it in the comment section. Thank you.

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Muili Muhammed

My name is Muili Muhammed Kolawole AkA Beecoded, am a blogger , programmer and a writer with many years of experience, I love writing , I love Food , Wo I love my Girlfriend Too 🚶🏼‍♀️🚶🏼‍♀️.

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