How to Transfer Money from Zenith Bank

Zenith Bank, a leading financial institution in Nigeria, offers several convenient money transfer options. Do you want to send money to Nigeria or another country? This article will walk you through the various methods and steps to make your money transfer experience as smooth and convenient as possible.

How to Transfer Money from Zenith Bank

Seven (7) Various Methods of Sending Money from Zenith Bank

Depending on your preferences and availability to technology, you can transfer funds from your Zenith Bank account via various methods. Here’s a step-by-step guide to transferring funds from Zenith Bank.

Method 1: Internet banking

Zenith Bank offers a robust Internet banking platform that allows you to transfer money from your computer or smartphone. Here’s how it works:

  • Log in to your Zenith Bank internet banking account with your username and password at
  • Select “Transfers” or “Payments.”
  • Choose the type of transfer (for example, within Zenith, other banks, or international transfers).
  • Enter the recipient’s information, including their bank account number
  • Enter the amount you intend to transfer.
  • Confirm the transaction by entering your PIN or token code to authorise the transfer.

The funds will be transferred to the recipient’s account after your confirmation.

Method 2: Zenith Bank Mobile App

The Zenith Bank mobile app makes sending money simple and secure. Take the following steps to use the mobile App:

  • Download and install the Zenith Bank mobile app from the app store on your device. (Google store or Apple store, depending on your device)
  • Log in to your account or create an account if you haven’t already.
  • Go to the “Transfer” or “Send Money” tab.
  • Choose the type of transfer (to Zenith Bank, other banks, or international).
  • Enter the recipient’s account number
  • Enter the transfer amount.
  • Confirm the transaction by entering your transaction PIN or a token number.

The funds will be transferred to the recipient’s account after confirmation is received.

Method 3: Code for USSD

If you do not have internet access, you can initiate transfers using Zenith Bank’s USSD code:

  • Dial *966# from the mobile phone associated with your Zenith Bank account.
  • Select the transfer option by following the on-screen prompts.
  • Enter the account number and amount for the receiver.
  • Enter your mobile banking PIN or provide the relevant authentication details to confirm the transaction.

Once the transaction is confirmed, the funds will be transferred.

Method 4: ATM Transfers

You can also transfer money at Zenith Bank ATMs. Here’s how to go about it:

  • Insert your Zenith Bank ATM card and enter your PIN.
  • Choose “Transfer” or “Payment.”
  • Select the kind of transfer and input the recipient’s account number and transfer amount.
  • Enter your PIN to complete the purchase.

The funds will be sent to the account of the receiver.

Method 5: Transfer in Person at a Branch

If you prefer in-person support, you can visit the Zenith Bank branch. The bank professionals will walk you through the procedure and ensure that your transfer is carried out successfully.

Method 6: Zenith Direct

Zenith Bank provides an international money transfer service called “Zenith Direct.” To begin an international transfer,

  • Go to your nearest Zenith Bank branch.
  •  You must supply the recipient’s bank information, such as:
  •  their bank name,
  • account number,
  •  and the SWIFT/BIC code of the receiving bank.

The bank staff will walk you through the necessary steps to confirm your transaction.

Method 7: Zenith Bank Transfer Code for Mobile Wallets

Using Zenith Bank’s USSD code, you can send money to mobile wallets like MTN Mobile Money or Airtel Money.

  • dial *966# and select the option to send money to a mobile wallet.
  •  Enter the recipient’s cellphone number,
  • the wallet provider,
  • and the amount.

Frequently Asked Questions

Below are some of the frequently asked questions on how to transfer money on Zenith Bank and their short answers:

How long does it typically take for a transfer to be completed from Zenith Bank to another bank in Nigeria?

In most cases, transfers to other Nigerian banks are processed in real time, and the funds should be available in the recipient’s account almost immediately.

What security measures should I take when transferring money online from Zenith Bank?

Use a secure network, keep your login details confidential, and use multi-factor authentication methods, such as transaction PINs or token codes.

How do I set up a beneficiary for recurring transfers on Zenith Bank’s internet banking or mobile app?

You can set up a beneficiary by logging into your account, selecting “Add Beneficiary” or a similar option, and entering the recipient’s details. This is useful for making future transfers more efficient.

Is there a limit on the amount I can transfer using Zenith Bank’s online services?

Yes, there are limits, and they vary depending on the transfer method. These limits can be found on Zenith Bank’s website or by contacting the bank.

Can I transfer money from my Zenith Bank account to accounts in other banks?

Yes, you can. Zenith Bank allows you to send money to accounts in other Nigerian banks via their internet banking, mobile app, USSD code, or at a Zenith Bank ATM.

Are you having any trouble? If you have any problems or queries throughout the transfer, contact Zenith Bank’s customer service or visit a nearby branch for assistance. Remember to use the suggested security precautions to keep your account safe during online transactions.


Zenith Bank provides a variety of convenient alternatives for sending money, whether within Nigeria or to international destinations. With online banking, mobile apps, USSD codes, and in-branch services like Zenith Direct, you can select the way that best meets your needs.

These options are meant to make your money transfer experience secure and hassle-free, ensuring that your payments arrive at their intended destination quickly and effectively.

Please keep in mind that particular transfer limits may apply, and you should make sure you have enough cash in your account to complete the transfer.

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