USSD Banking

• Balance inquiry
• Link account to mobile money (MTN, Telecel, AT, GhanaPay)
• Transfer Money (MoMo and bank account).
• View last five transactions.
• Request for account statement
• Request for cheque book
• Bill payments
• Change PIN/Reset PIN
• Airtime purchase.
• Data Bundle.
• Merchant Pay transactions (Account and Momo payments to Zenith Merchants)
• Zenith Cash Out (Cardless withdrawal on ATM)

• Ease and convenience of 24-hour banking services
• Efficient, fast mobile banking.

SELF ACTIVATION ON USSD

1. Dial *966#
2. Select option 1 “Account Holder”
3. Select option 1 “Register account unto USSD app”
4. Enter your Account Number
5. Choose PIN
6. Confirm PIN to complete process

STEPS FOR BALANCE INQUIRY

1. Dial *966#
2. Select option 3 “Self Service”
3. Select option 1 “Balance Inquiry”
4. Select from list of accounts the one you want to check.
5. Enter PIN to check balance
6. Account balance is displayed after entering PIN

WALLET LINKAGE

Steps to link MTN wallet to bank account

1. Dial *966# with the MTN number you want to link.
2. Select option 5 “Wallet to Account”.
3. Select option 1 “MTN”.
4. Select from the list of accounts the one you want to link.
5. Enter your PIN to link account

Steps to link Telecel wallet to bank account

1. Dial *966# with the Telecel number you want to link
2. Select option 5 “Wallet to Account link linkage”
3. Select option 2 “Telecel”
4. Select linkage option 1 “Link Wallet”
5. Select from the list of accounts the one you want to link
6. Select 1 to continue after reading the indemnity
7. Enter PIN to accept indemnity
8. Enter your PIN to link account

Steps to link AT wallet to bank account

1. Dial *966# with the AT number you want to link.
2. Select option 5 “Wallet to Account linkage”.
3. Select option 3 “AT”.
4. Select from the list of accounts the one you want to link.
5. Enter your PIN to link account

Steps to link GhanaPay wallet to Bank Account

1. Dial *966# with the Telco number you want to link
2. Select option 5 “Wallet to account link linkage”
3. Select option 4 “GhanaPay”
4. Select linkage option 1 “Link Wallet”
5. Select from the list of accounts the one you want to link
6. Enter PIN to confirm wallet linkage
7. An OTP will be sent to your phone number. Proceed to *966# to complete linkage

Steps to complete GhanaPay Linkage

1. Dial *966# with the Telco number you want to link.
2. Select option 5 “Wallet to account linkage”
3. Select option 4 “GhanaPay”
4. Select linkage option 2 “Complete wallet linkage”
5. Select from the list of accounts the one you want to link
6. Enter 6 digit OTP you received to complete wallet linkage
7. Enter PIN to confirm linkage

Steps to unlink GhanaPay wallet to Bank account

1. Dial *966# with the Telco number you want to link
2. Select option 5 “Wallet to account link linkage”
3. Select option 4 “GhanaPay”
4. Select linkage option 3 “Unlink Wallet”
5. Select from the list of accounts the one you want to link
6. Enter PIN to unlink wallet

1. Can I link my instant account to my wallet?
    Yes, you can

2. How can I change my pin on *966#
    1. Dial *966#
    2. Select option 3 “Self-service”
    3. Select option 3 “Change PIN”
    4. Enter old PIN
    5. Enter new PIN
    6. Confirm new pin to effect the change

3. How can I reset my PIN on *966#
    1. Dial *966#
    2. Select option 3 “Self-service”
    3. Select option 4 “Reset PIN”
    4. Enter zenith Bank Account Number
    5. Enter your mobile number
    6. A temporary PIN will be sent to the email on file. Change pin immediately before using the service

 4. What is the procedure for using the Zenith Cash Out?
     1. Dial *966#
     2. Select option 2 “Zenith Cash”
     3. Select option 3 “Zenith Cash Out”
     4. Select option 1 “Generate token” or option 2 to go back
     5. Enter recipient mobile number
     6. Choose 6-digit secret code
     7. Enter amount
     8. Select from list of accounts the one you want to debit from.
     9. Enter PIN to confirm transaction

5. Is it possible to link multiple contact numbers to account?
No, customers can only link one phone number at a time.

6. How long do i have to wait before I can use my newly setup *966#?
Instantly, customers can use the USSD service immediately after activating the service.