Business and Finance

Zenith Bank Online Banking and Mobile App Login With Phone Number, Email, Online Portal, Website

Zenith Bank stands as a prominent player, offering its customers convenient access to their accounts through online banking and a dedicated mobile app. While many users may be accustomed to logging in using familiar methods such as phone numbers or email addresses, Zenith Bank adopts a unique approach, requiring users to utilize their account number for both the mobile app and internet banking login. This article provides a detailed guide on accessing Zenith Bank’s online banking and mobile app through various channels.

Zenith Bank Online Banking and Mobile App Login With Phone Number and Email

Zenith Bank does not currently support logging in with phone numbers or email addresses for its online banking and mobile app. Instead, users are mandated to use their account number to access these services. This approach is in line with the bank’s security measures, ensuring a robust authentication process for user accounts.

Zenith Bank Online Banking and Mobile App Login With Website

The Zenith Bank website ( serves as a comprehensive platform where users can gather information about the bank’s products and services, file complaints, and provide feedback. While logging in through the website, users can follow these steps:

  • Hover over the “INTERNET BANKING” button on the left-hand side of the header.
  • Click on the “Personal” link to proceed to the online banking portal.

Zenith Bank Online Banking and Mobile App Login With Website

Accessing Zenith Bank online banking through the online portal is a straightforward process. Follow these steps for a seamless login experience:

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  • Visit the Zenith Bank online portal ( any web browser. 
  • You will be redirected to the internet banking login page.
  • Enter your login credentials as requested. If you don’t have an account, you can sign up for internet banking by downloading the mobile app.
  • Click on the “Login” button to proceed.

This method ensures direct access to your Zenith Bank account, offering a secure and efficient means of managing your finances online.

Troubleshooting: What To Do If You Can’t Access Your Zenith Account

If, after following the steps outlined above, you find yourself unable to access your Zenith Bank  account, consider the following:

  • DoubleCheck Information: Ensure that the Credentials entered during the login process is associated with your Zenith account. Any discrepancies may result in login issues.
  • App Updates: Check for updates to the Zenith app. Outdated versions may have bugs that could affect the login process.
  • Contact Customer Support: If all else fails, contact Zenith customer support for assistance. They can guide you in resolving login issues and ensuring a smooth user experience.


Can I login my Zenith Bank account online?

Yes, you can log in to your Zenith Bank account online. After a successful application and receipt of your login details, visit the official website ( Click on “Internet Banking” and ensure you have a personal computer with internet access and a web browser. These basic requirements are essential for a secure and convenient online banking experience.

How do I activate Zenith Bank app on my phone?

To activate the Zenith Bank app on your phone, enter your account number or phone number, input your token PIN, and the 6-digit one-time token. After a successful prompt, create and confirm your 6-digit passcode, as well as your 4-digit transaction PIN. This activation process ensures the security of your Zenith Bank mobile app.

How do I activate my Zenith Bank account without going to the bank?

You can activate your Zenith Bank account without visiting the bank by dialing 9660# on your registered phone number. Select the ‘Reactivate Dormant Account’ option to initiate the reactivation process. Alternatively, you can visit the nearest Zenith Bank branch for assistance in reactivating your dormant account.

How do I get OTP for Zenith Bank?

To obtain an OTP (One-Time Password) for Zenith Bank, register on the Mobile banking app using your account number and password. Select the OTP option, create and confirm a 6-digit password, and then create and confirm a 4-digit mobile PIN. After submitting, you’ll receive the OTP via SMS for additional security during your online transactions.

What code can I use to activate my Zenith Bank account?

To activate your Zenith Bank account using USSD, ensure you have a debit card. Visit the bank to request a Visa, Mastercard, or Verve card. Once you have the card, dial *966*00# from the phone number linked to your Zenith Bank account. This USSD code initiates the activation process, providing you with convenient access to various banking services.

What is the Zenith Bank mobile app?

The Zenith Bank Mobile App is a comprehensive tool that allows 24/7 access to your accounts from anywhere. Offering dual functionality, it combines Mobile Banking and eaZymoney services. This app, available for quick download, transforms your smartphone into a powerful banking tool, enabling seamless and secure financial management on the go.

What is the USSD code for Zenith Bank virtual card

The USSD code for obtaining a Zenith Bank Virtual Card is (*966*2273#). Specifically designed for web transactions, the virtual card is ideal for online shopping, bill payments, and subscriptions. Users can conveniently acquire a virtual card through Zenith Internet Banking, the provided USSD code, or by accessing the relevant option through the bank’s online platform.

Can I use Zenith Bank mobile app without ATM card?

Yes, you can use the Zenith Bank mobile app without an ATM card. While a debit card is typically required for USSD banking registration, you can download the Zenith mobile app, register, and visit the nearest branch. The branch visit allows for a bypass of the first transfer without the need for a debit card. This provides users with flexibility and convenience in accessing the mobile app’s features without an ATM card.

How do I change my email on Zenith mobile app?

To change your email address on the Zenith mobile app, follow these steps:

  • Login to the mobile app.
  • Select “Settings” from the menu.
  • Choose “Update Account Information/KYC.”
  • Update your mobile number/email as needed.
  • By following these guidelines within the mobile app, users can easily and securely update their email address associated with their Zenith Bank account.


Zenith Bank prioritizes the security of its customers by requiring the use of account numbers for logging into the online banking platform and mobile app. While some users may be accustomed to alternative login methods like phone numbers or email addresses, understanding and following the prescribed procedures ensures a seamless and secure banking experience. 

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