Zenith Bank charges 2026: ATM, transfer, card and USSD
Verified 2026-07-03 · CBN Guide to Charges (no own tariff PDF)
How much does Zenith charge for transfers and ATM?
Zenith's regulated charges follow the CBN Guide, which standardises them across Nigerian banks: transfers cost ₦10 / ₦25 / ₦50 by amount band, other-bank ATM is ₦100 per ₦20,000, and card maintenance is ₦0 on a current-account Naira card. What is specific to Zenith is its USSD channel (*966#), since it does not publish its own consolidated tariff. Verified 2026-07-03.
What's specific to Zenith
The only Zenith-hosted tariff we could read is the OUTDATED 2017 CBN Guide (its current-site copy was access-blocked). Several 2017 figures are superseded, so we show the current CBN Guide (2020) figures instead and flag Zenith's own copy as stale.
- Zenith's own domain only exposes the superseded 2017 CBN Guide; use the current CBN figures below.
- USSD code *966#.
| *966# channel | Fee |
|---|---|
| USSD banking | *966# |
Zenith ATM, transfer and card charges (CBN schedule)
These regulated charges are set by the CBN Guide and are the same across banks — Zenith applies them as the maximums below. The April 2026 CBN draft would change some, but is not yet law.
| Charge | Amount (CBN maximum) |
|---|---|
| ATM withdrawal — your own bank | No charge |
| ATM withdrawal — another bank (in Nigeria) | ₦100 per ₦20,000 (on-site); off-site adds a surcharge up to ₦500 |
| ATM withdrawal — international | Exact cost by the international acquirer (cost recovery) |
| Electronic transfer (NIP / instant) | ₦10 (≤₦5,000) · ₦25 (₦5,001–₦50,000) · ₦50 (over ₦50,000) |
| RTGS (large-value transfer) | ₦950 |
| Debit card issuance | ₦1,000 one-off (Naira card) |
| Card replacement / renewal | ₦1,000 one-off |
| Card maintenance | ₦0 on current-account Naira cards; up to ₦50/quarter on savings cards; $10/yr on FX cards |
| Account maintenance (CAMF) | Up to ₦1 per mille on current-account third-party debits (₦1 per ₦1,000); not on savings accounts |
| SMS alert | Cost recovery, up to ₦4 per SMS (customer-induced only); email alerts free |
| Account statement | Monthly statement free; special request up to ₦20/page |
| Reference / status letter | ₦500 per request |
Statement, reference-letter and account-opening lines are not itemised in the core CBN Guide for this bank; confirm any bank-specific item with the branch.
What is the Zenith Tier 1 account limit?
Nigerian bank accounts sit on the CBN 3-Tier KYC framework — a different regulation from the Guide to Charges, so no bank tariff PDF restates these. The specific limits have been revised and vary by source; confirm your current tier limit with your bank. Zenith's own tariff document does not state KYC-tier limits — they are set by the CBN 3-Tier KYC framework. Historically Tier 1 capped single deposits around ₦50,000 and the balance around ₦300,000; confirm your current Zenith tier limit in the app or at a branch.