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Individual Accounts

Banking anywhere and at any time you want.

Savings Account

This account is available to individuals 18-years and older and offers a secure and attractive method of saving funds at a competitive rate.

Supplementary Information Form (Individual)

DOWNLOAD ZENITH INDIVIDUAL ACCOUNT FORM

Features

  • No minimum operating balance
  • No monthly charges
  • Mobile money wallet linkage
  • Electronic banking services such as Z-Prompt, E- statement and internet banking are available on this account including VISA, MasterCard and EazyPay ATM cards.

Requirements

  1. Account opening form duly filled
  2. 2 passport-sized pictures,(name & signature on reverse)
  3. A valid national ID &Tin certificate (Passport/ Driver’s licence /Voter’s ID/NIA card/SSNIT card)
  4. Residence permit & non-citizen card (where applicable)
  5. Employer introductory letter (where applicable)
  6. Utility bill (not older than six months)
  7. Mandatory initial deposit

Benefits

  • Ease of accessing cash
  • Competitive interest rate
  • No restriction on withdrawals
  • Free internet banking service and e-statement

Cheque and Save

This account is available to customers 18-years and older and offers a secure, attractive method of saving funds at a competitive rate, while at the same time allowing for immediate access to funds via our in-house cheque clearance system.

Features

  • No minimum operating balance
  • Flexibility of third party cash withdrawals
  • Competitive interest rate
  • Mobile money wallet linkage
  • Electronic banking services such as Z-Prompt, E- statement and Internet banking are available on this account including VISA, MasterCard and EazyPay ATM cards.

Requirements

  1. Account opening form duly filled
  2. 2 passport-sized pictures, (name & signature on reverse)
  3. A valid national ID &Tin certificate (Passport/ Driver’s licence /Voter’s ID/NIA card/SSNITcard)
  4. Residence permit & non-citizen card (where applicable)
  5. Employer introductory letter (where applicable)
  6. Utility bill (not older than six months)
  7. Mandatory initial deposit

Benefits

  • Flexibility of third party cash withdrawals
  • Competitive interest rate
  • No restriction on withdrawals
  • Free internet banking service and e-statement

Current Account

A convenient and flexible medium to make and receive payments. The account can be opened in individual or joint names.

Features

  • Access to cheque book
  • Electronic banking services such as Z-Prompt and internet banking are available on this account including VISA, MasterCard and EazyPay ATM cards.
  • Current/Call account sweep facility.
  • Mobile money wallet linkage

Requirements

  1. Account opening form duly filled
  2. 2 passport-sized pictures, (name & signature on reverse)
  3. A valid national ID &Tin certificate (Passport/ Driver’s licence /Voter’s ID/NIA card/SSNIT card)
  4. Residence permit & non-citizen card (where applicable)
  5. Employer introductory letter (where applicable)
  6. Utility bill (not older than six months)
  7. Mandatory initial deposit

Benefits

  • Cheque book issuance
  • Ease of making payments to third parties
  • Current/Call account sweep facility
  • Mobile money wallet linkage
  • Free internet banking service and e-statement

Zenith Diaspora Account

This account is targeted at Ghanaians resident abroad. It affords the customer the opportunity to open and operate an account from anywhere in the world and ensures that the customer has access to unique products and services tailored to meet their banking needs. The types of account that can be opened under the Zenith Diaspora account are Savings Account, Current Account and Fixed Deposit Account.

Features

Savings account (Traditional)

  • Available in Ghana Cedis, USD, GBP & EUR
  • Initial deposit of GHS500.00 or its equivalent in Foreign Exchange
  • Accounts for minors can be opened by parents or guardians
  • Access to internet banking
  • Mastercard/Visa Debit Card on Cedi account
  • No account maintenance fees

Current account

  • Available in Ghana Cedis only
  • Opening balance and a minimum balance of GHS500.00
  • Cheque book upon request
  • Free monthly statement via e-mail
  • Access to internet banking
  • Visa/Mastercard/Virtual Debit card
  • Free internal standing order

Fixed Deposit

  • Available in Ghana Cedis only
  • No maximum amount to be invested
  • No monthly maintenance charges
  • Deposit amount is fixed during investment period
  • Interest rate is fixed during investment period
  • Funds available upon maturity
  • Minimum investment amount of GHS10,000.00

Eligibility

  • Must be a Ghanaian resident abroad.
  • Must be 18 years or above.
  • A foreigner of Ghanaian parentage with substantial evidence to support his/her claim (customer must provide a birth certificate if he/she does not have a valid National Ghanaian ID).

Requirements

  • Customer must download the account opening forms, fill them and upload with a passport picture and valid ID to diasporacustomerservice@zenithbank.com.gh.
  • Valid national ID that can be verified on GVIVE or verified by the Passport Office or the National Identification Authority
  • A completed and signed mandate card (PDF to be emailed to diasporacustomerservice@zenithbank.com.gh)
  • Customer to provide details of foreign bank account
  • The initial deposit into the account must be made via SWIFT transfer from the customer’s foreign bank. This transfer will be used to verify customer details (name, identification, address). In the case of a joint account, where the customers already operate a joint account, a single SWIFT transfer containing information of both applicants will be sent for the purpose of verification. However, where applicants do not already operate a joint account, verification will be done separately.

Benefits

  • A safe haven for nationals working abroad to build funds and invest in their home country
  • Opportunity to repatriate earnings to Ghana.
  • Free Zenith-to-Zenith standing orders
  • Free monthly e-statements
  • Access to a complete suite of Zenith e-banking solutions
  • 24/7 access to cash withdrawals and payments on all approved channels of the Bank.

Zenith Children’s Account (ZECA)

A savings account to nurture savings behavior in minors up to the age of 17 and provides guardians with a financial management tool.

Features

  • Interest rate of 3% per annum
  • Minimum initial deposit of ghc 100
  • Minimum monthly deposit of ghc 10
  • Free standing orders to be set up (from Zenith accounts) to build up funds

Requirements

  1. Account opening form duly filled
  2. 2 passport-sized pictures, parent/guardian/child (name & signature on reverse)
  3. A valid national ID &Tin certificate parent/guardian (Passport/ Driver’s licence /Voter’s ID/NIA card/SSNITcard)
  4. Residence permit & non-citizen card (where applicable)
  5. Utility bill (not older than six months)
  6. Mandatory initial deposit

Benefits

  • Competitive rate
  • Free internet banking and e-statements.
  • Savings may be held as security for loans to Guardians.
  • Encourages early savings behaviour in minors
  • Participation in outdoor events such as the Zenith Health Walk and children’s parties
  • Branded gifts for accounts opened with more than GHS100 in a deposit.

Zenith Children’s Plus Account (ZECA Plus)

Saving for your child’s future just got easier with ZECA Plus, a savings account for children between 0-17 years.

Features

  • Interest rate of 3% per annum
  • Minimum initial deposit of ghc 500
  • Minimum monthly deposit of ghc 50
  • Free standing orders (from Zenith accounts) to build up funds
  • Quarterly withdrawals allowed (Up to 4 withdrawals a year) including standing orders.

Requirements

  1. Account opening form duly filled
  2. 2 passport-sized pictures, parent/guardian/child (name & signature on reverse)
  3. A valid national ID &Tin certificate parent/guardian (Passport/ Driver’s licence /Voter’s ID/NIA card/SSNITcard)
  4. Residence permit & non-citizen card (where applicable)
  5. Utility bill (not older than six months)
  6. Mandatory initial deposit

Benefits

  • Competitive rates
  • Free internet banking and e-statements.
  • Free standing order/bank drafts to pay school fees.
  • Participation in outdoor events such as the Zenith Health Walk and children’s parties.
  • Branded gifts for accounts opened with more than GHS500 in a deposit.

Foreign Exchange Account (FEA)

 Foreign exchange current account  facilitates smooth business transactions in the major trading currencies.

Features

  • Allows customers the flexibility to transact business in foreign currency.
  • Eliminates the need to carry large amount of cash.
  • A secure depository for foreign currency.
  • Cheque book issuance for easier payments.
  • Enhances easy payments for purchases of goods and services.
  • Allows funding from different sources – transfers (onshore, offshore) cash or cheques.
  • Available in USD, EURO, GBP.
  • Electronic banking services such as Z-Prompt, E- statement and Internet banking are available on this account.

* Terms & conditions apply.

Foreign Currency Account (FCA)

Foreign currency accounts are available to clients who regularly receive remittances from offshore sources. Funding for this account is restricted to offshore remittances and offshore cheques.

Features

  • Allows customers the flexibility to transact business in foreign currency.
  • A secure depository for foreign currency.
  • Cheque book issuance for easier payments.
  • Enhances easy payments for purchases of goods and services.
  • Available in USD, EURO, GBP.
  • Funds can be withdrawn or transferred offshore without restrictions

Investment (Treasury) products

Below are the various investment products we have for our customers:

Call Accounts

This is an investment for an indefinite period, which may be withdrawn on demand.

Features:

  • Competitive interest rates.
  • Daily interest accrual.
  • Guaranteed liquidity of investment.
  • Very flexible and accessible money market product.
  • Tiered interest rates according to deposit amounts and call tenor.
  • Call/Current account sweep facility.

Fixed Deposits

An investment vehicle where funds or deposits are locked in for a specific fixed period at a fixed interest rate.

Features:

  • Interest is paid upon maturity of the investment.
  • Competitive interest rates.
  • Tenors of 30 days, 91 days, 182 days, 1 year and 2 years are available.
  • Funds may be rolled over upon request.

Treasury Bill Investment Services

Treasury bills (T-bills) are government-backed securities issued by Bank of Ghana usually with maturity periods of 91 days, 182 days or a year. T-bills for longer periods (1 year Treasury note, the 2 year Treasury bond, and the 3 year Treasury bond) are also available. Treasury bills are made available at all the branches of Zenith Bank.

Features:

  • Roll over only the principal amount and receive accrued interest.
  • Roll over both the principal and the accrued interest.
  • Can be re discounted at the bank

 Requirements:

  • Application form to be filled in at the Bank's  Customer Services Unit (CSU) , alternatively

Benefits:

  • Tenor varies depending on type of security:
  • BOG Bills- for periods below 1 year
  • BOG Notes-for 1 and two year papers
  • BOG Bonds-for periods above 2 years
    Repayment is guaranteed by the Sovereign backing of the Government of Ghana.

Zenith Bank provides timely updates and investment advice to enable you to effectively manage your portfolio.

Zenith Investment Savings Account (ZISA)

This is an investment instrument ideal for individuals. to build up adequate financial resources for the purchase of Motor Vehicles, Landed properties or to start up private business.

Features:

  • Monthly fixed deposits to this accounts (a standing order).
  • The fixed amount (indicated above) must be deposited at a time set and agreed) after establishment of account. The amount could be increased anytime at the customer’s discretion.

Requirements:

  • Minimum initial deposit is GHS50.
  •  Monthly minimum deposits of GHS50 and above to this account (via standing order).

Benefits:

  • A yield higher than the ordinary savings and Call Accounts (a benchmark rate plus a margin could be used on certain level of deposit).
  • Withdrawals are allowed after every 12 months (otherwise a penalty is charged)

Zenith Investment Retirement Account (ZIRA)

ZIRA (Zenith Investment Retirement Account) is an investment account designed for High Net Worth Individual customers desirous of saving for their retirement or pension.

Features:

  • Minimum initial deposit is GHS 500.
  • Minimum monthly  deposit GHC100
  • Investment Advisory services

Requirements:

  • Duly filled form from customer.
  • Minimum Initial capital of GHS500 or more.
  • Withdrawals are allowed after every 12 months
    (Otherwise a penalty is charged)

Benefits:

T-Bill -100 basis points.

SELL BUY BACK AGREEMENT (SBBA)

SBBA is a repurchase agreement transaction whereby a party (SBBA Seller–Zenith Bank) sells securities at an agreed price to the other party (SBBA Buyer-Customer) and subsequently the SBBA buyer and SBBA seller enter into another agreement thereon whereby the former promises to sell and the latter to buy back the securities on a specified future date and at an agreed price.

Features

  • SBBA agreement.
  • Minimum transaction value is GHS2,000,000.00.
  • Principal and interest/coupon is paid at maturity.
  • Competitive interest rates/yields.
  • Funds may be rolled over upon request.
  • 91 and 182 day SBBA is currently available to customers.

SECURITIES BACKED INVESTMENT (SBI)

Securities Backed Investment (SBI) is a repurchase transaction whereby a party (SBI Seller) sells securities at an agreed price to the other party (SBI Buyer) with the promise to buy back the securities on a specified future date (coupon payment date) and at an agreed price.

Features

  • Minimum transaction value is GHS10,000.00.
  • The SBI transaction has a fixed maturity date (next coupon payment date). The tenor of the investment will therefore be from settlement date to fixed coupon/maturity date.
  • Various tenors available.
  • Principal and interest/coupon is paid at coupon payment/maturity date.
  • Competitive interest rates/yields.
  • Funds may be rolled over upon request.

OUTRIGHT BOND SALE/PURCHASE

  • Government of Ghana and corporate bonds are available
  • Competitive yields available for a wide range of corporate and GOG bonds. Bonds are traded on yield to maturity or prices
  • Customer receives coupon payments and face value per a particular bonds coupon payment schedule
  • Minimum settlement value is GHS10,000.00

Zenith Aspire Account

The Zenith Aspire Account has been designed to focus on and enhance the lifestyle of students in tertiary institutions whilst providing a platform for students to experience the amazing benefits of being Zenith Bank account  holders.

ELIGIBILITY

  • Student must be at least 18 years of age.
  • Student must be a resident and schooling in any tertiary institution in Ghana.
  • A foreign student in Ghana can be eligible for the account if substantial evidence can be provided to support his/her claim of being a student in Ghana.
  • Tertiary Institution refers to all Universities (Undergraduate Level), Technical Institutions as well as any Post-Secondary Institution such as Teacher Training Collages, Nursing Training Colleges, etc.

FEATURES

  • No initial deposit required.
  • No minimum account balance required.
  • Aspire accounts will be opened with a duration of 5 years.
  • Aspire card issued will be for a duration of 2 years and shall be renewable.

REQUIREMENTS

  • A completed account opening form.
  • 2 passport size pictures.
  • A valid school ID and Admission letter (in the event where the admission letter is not readily available, an attestation from the school’s administration signed by the Registrar or Head of Department confirming the student as a confirmed member of the school shall be acceptable).
  • A valid ID (Voter’s ID/Driver’s license/Passport/ECOWAS card) and Admission letter shall be accepted in the event where a student is unable to provide a valid school ID card.
  • Foreign Students – (International Passport/Residence Permit/Non-Citizen’s card).
  • Prepaid cards requested by students will require a valid national ID.
  • A completed and signed mandate card.

BENEFITS

  • 50% reduction on all regular bank changes for the use of any Zenith e-banking channels.
  • Exclusive discounts on selected eateries in Accra, Kumasi, Tamale and Cape Coast.
  • It is secure, convenient and provides efficient banking services to the student population in Ghana.

Contact Us

Zenith Direct Customer Contact Centre
Tel: (+233) 302 429700 / (+233) 302 611500 / (+233) 302 680884 / (+233) 542 000111
Toll Free: 0800 10100 (Vodafone Only)  Email: info@zenithbank.com.gh
Or visit any Zenith Bank branch closest to you.

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