Keystone Bank




COMMERCIAL BANKING

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Target Market
The Commercial Banking Division provides specialised financial services to small businesses and multinationals to support operations in developing and developed markets. From creating access to a wide range of capital financing to the ease of mobile banking, we provide the resources that cater to the customer bridge between the Retail and Corporate ends of the market.

Our Service Promise
We support, guide and grow customers by providing the necessary financial solutions for sustainable growth, investment, profitability and liquidity management. Sector Focus


Sector Focus
• General Commerce (Trading).
• Industrial and Agro Allied chemicals.
• Telecommunications.
• Manufacturing.
• Downstream Oil and Gas Trading.
• Hospitality.
• Building & Construction.

Our Delivery Model

Our financial and business experts have the products, experience and knowledge to work with your firm to tailor financial solutions that help meet your set goals. Our passion is to grow small and medium businesses into conglomerates. We take the burden of selecting financial options off you so you can concentrate on building your business.

COMMERCIAL BANKING PRODUCTS




ActivCollect

ActivCollect is Keystone Bank's proprietary collection platform built on our robust technology for collections across our branch network. The technology enables us customise secure cash collection solutions that help businesses manage liquidity, control payments, and reconcile accounts efficiently while monitoring real-time from any location.

ActivCollect


Trade Finance

We Deliver Customer-focused Trade Finance Solutions. At Keystone Bank, we understand that no two businesses are the same. We provide services to fit dynamic trade finance needs and unique backgrounds throughout the trade cycle.

Differentiation of Trade Instruments
Our customers' instruments requirements are differentiated according to instrument size, duration, payment structure, rating of confirming and advising banks, as well as the relationship between our customer and the beneficiary.

Complexity of the Trade Space
We are aware that the Trade Finance space may seem complicated for customers who are more focused on their Manufacturing/Commodities/Aviation and Agricultural business. Keystone Bank, therefore, collaborates with stakeholders including appointed brokers and representatives of these customers to best arrive at a dynamic and suitable financing solution.

• Bank Guarantee (BG)
• Documentary Letter of Credit (LC)
• Standby Letter of Credit (SBLC)
• Documentary Collections.
• Trade Advisory Services and Intermediations.
• Global Coverage
• Export Receivable Discounting Facility-ERDF
• Import Finance Facility-IFF

Keystone Bank maintains a global footprint through a strong correspondent banking network and key strategic alliances with multilateral agencies and development finance institutions.

Risk Mitigation
We are a compliant organisation with strict adherence to all KYC/AML policies and procedures in trade. All Letters of Credit issued and advised by Keystone Bank follow the rules pursuant to UCP 600, URC 522, URDG 758 or ISP 98. Keystone Bank does not advise or issue instruments that do not meet the regulations in the listed rules. Competition
Our customer service orientation, flexibility, global coverage, rates and experienced team produce our competitive edge in the market.

We are open 24 hours, Monday through Sunday to handle enquiries. You can reach us on +234 700 2000 3000 or email us at contactcentre@keystonebankng.com

Active Domiciliary Account

Keystone Bank Active Domiciliary Account is a foreign currency denominated account that is targeted at individuals and business owners (sole proprietors & traders).

Product features and benefits:
• Account can be denominated in Dollars, Pounds or Euros
• Minimum opening balance of 100 pounds, Dollars or Euros
• Cash and wire transfers allowed in and out of the account (Terms & Conditions Apply)
• Competitive interest rates
• Access to safe and secure E-Banking services & Channels – Mobile
Banking, Internet Banking & Debit Cards (Visa, Verve or MasterCard)

For details, kindly contact us at Keystone Bank Limited.
1 Keystone Bank Crescent,
Victoria Island, Lagos.
Telephone: +234 700 2000 3000.
Email: contactcentre@keystonebankng.com

Keystone Bank Active Domiciliary Account
Dom Extra Account

Keystone Bank Domiciliary Extra Account is a foreign currency denominated account that is targeted at Limited Liability Companies.

Product Features & Benefits
• Account can be denominated in Dollars, Pounds or Euros.
• Minimum opening balance of 2000 Dollars, Euros or 1000 Pounds.
• Cash & wire transfers to and from the account (Terms & Conditions
Apply).
• Competitive interest rates.
• Access to safe and secure E-Banking services & Channels - Mobile Banking, Internet Banking & Debit Cards (Visa, Verve or MasterCard).

For details, kindly contact us at Keystone Bank Limited.
1 Keystone Bank Crescent,
Victoria Island, Lagos.
Telephone: +234 700 2000 3000.
Email: contactcentre@keystonebankng.com

Dom Extra Account
GROWBIZ ACCOUNT

GrowBiz account is designed to meet the needs of SMEs (Small Medium Enterprises) i.e. Sole Proprietors, Partnerships and Limited Liability Companies. The product is available in two variants - GrowBiz Gold Account with Minimum Balance and GrowBiz Classic Account without Minimum Balance. Each variant is broken down into three segments: Individuals, SMEs/Traders, and Corporates.

Product Features & Benefits:
• Access to financial advisory services
• Access to Keystone Bank credit facilities (Terms & Conditions Apply) • Personalised clearing chequebooks
• Access to safe and secure E-Banking services & Channels – Mobile Banking, Online Banking & Debit Cards (Visa, Verve or MasterCard).

For further enquiries, kindly contact us on +234 700 2000 3000 or email us at contactcentre@keystonebankng.com

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Corporate Current Account

This serves as a higher variant of the Quick Save account, targeted at financially excluded persons. The customer is, however, required to provide a valid form of identification.

Features:
• Maximum single deposit: N50,000.00
• Maximum cumulative deposit: N400,000 at any point in time
• Mobile Banking or Funds Transfer daily limit: N100,000.00
• Zero opening balance
• Interest Rate of 3.6 %

Steps Required
1. Fill and complete the online Account Opening Form (AOF)
2. Upload your passport photo
3. Visit your branch with a valid ID or Third-Party ID
4. Sign the AOF

Corporate Current Account