Keystone Bank



Target Market
The Corporate Banking Division provides specialised financial services to emerging conglomerates, and upwardly mobile small and medium enterprises. Our full range of banking services are designed to provide strategic financial and advisory support to unlock the potential of these companies.

Our Service Promise

We support, guide and grow customers by providing the necessary financial solutions for growth, while keeping in focus the business' need for profitability and efficient liquidity management.

Sector Focus
• General Commerce (Trading)
• Telecommunications
• Manufacturing
• Oil and Gas trading
• Hospitality
• Building & Construction
• Power and Infrastructure
• Aviation
• Food and Beverages

Our Delivery Model

Our Sector experts work with you to design customised financial solutions that meet your specific needs. We leverage our efficient internal processes and our array of local and international relationships to deliver on your set financial imperatives and long-term objectives. We listen to you.


Key Highlights of our Corporate Strategy

Keystone Bank seeks to return to profitability across all business units and achieve sustainable growth. This would be achieved responsibly through service excellence, product knowledge, efficient deployment of delivery channels and harnessing of value chain opportunities to mobilize low cost deposits that would be deployed in creating well-priced risk assets with multiple revenue sources while optimizing operating costs; We would grow organically, leveraging our human and material capital. However, as necessary we would form alliances with local and international partners.

Keystone Strategic Roadmap

  • Continuous compliance to regulatory requirements
  • Employees
  • Build and expand strategic skills, capabilities and expertise
  • Maintain stable and loyal workforce
  • Customers
  • Increase share of Customer wallet by optimizing value chain opportunities and product engines
  • Processes
  • Develop /Introduce new & customised products to suit the needs of our broad customer base.
  • Improve on Operations/Process Excellence for quick turn-around time.
  • Service Delivery
  • Improve Service Excellence to ensure customer acquisition/retentions
  • Expand E-business and franchise opportunities for improved customer experience

  • Value Chain

    Distributorship/Dealer Support Scheme
    1. Cement Distributorship Support
    2. Telecoms Dealers Support
    Products provide the framework for Distributors/Dealers to access facilities to boost working capital for their business. These products are targeted at Keystone Bank-registered distributors/dealers.
    Available facilities which can be accessed include:
    • Bank Guarantees
    • Overdraft Facilities
    • Accessible limits are subject to customer's trade capacity evidenced by credit turnover in trading accounts.
    Benefits to Distributors include:
    • Competitive pricing (i.e. Interest rates, Account Maintenance Charges, etc.)
    • Unhitched supply of funds
    • Flexible Security Structure
    • Flexible banking hours and proximity to business premises
    • Prompt confirmation of payments
    • Robust cashless solutions in line with CBN guidelines.



    ActivCollect is Keystone Bank's proprietary collection platform built on our robust technology for in-branch collections. The technology enables us customize cash collection solutions that meet every customer's requirement. ActiveCollect is secure and enables organizations receive payments from their customers across our branch network while monitoring customized, real-time reports at their location.

    Transaction Notification Service

    Keystone Bank Transaction Notification Service (TNS) is designed to make banking transactions easy, convenient and fast. Keystone Bank TNS sends SMS and e-mails to customers notifying them of every withdrawal and all payments into their accounts. Our customers no longer have to worry when they issue cheques, whether it has been presented or not because with Keystone Bank TNS, all you need to do is check your mailbox to get full details of the cheque. The email notice contains the details of the transaction, current and available balance at the time of the transaction. Please visit the Customer Service Desk at any of our branches to fill the TNS form.

    Transaction Notification Service

    Trade Finance

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

    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 rightly more focused on their Manufacturing/Commodities/Aviation and Agricultural operations and long-term goals. Keystone Bank, therefore, collaborates with stakeholders including appointed brokers and representatives of these customers to deliver 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

    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 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 Keystone Bank Plc 1 Keystone Bank Crescent, Victoria Island, Lagos, Telephone: 01- 448 5742 Email:

    Dom Extra Account
    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.

    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
    Agri Business

    Agric Finance Group offers professional support to all market facing staff of the Bank in the creation of good quality risk asset in all the areas captured within the Agriculture Value Chain.
    Environmental and Social risk considerations will be taken for finance provided anywhere along this value chain.
    The Group advises both customers and RMs on the best loan structure and farm practices to make the business relationship successful and profitable.
    The Group gets majority of its lending fund from CBN at a maximum cost of 2%pa for on-lending to agribusinesses at a concessionary rates of 9%pa(all in).

    Corporate Current Account
    -Individual N5m
    -Cooperative N10m
    - Individual - Cooperative Commercial 40% if customer abides by terms and conditions 75% on outstanding - 25% Cash Collateral
    - Personal guarantee
    - Cross Guarantee
    - No additional security for less than N1m
    - Other security(ies) acceptable to the Bank.
    GES Agro-dealers 18% (inclusive of 1% for CRG) 50% if customer abides by terms and conditions 75% on outstanding - 10% equity contribution
    - 75% CRG
    - Collateral manager
    - Other security(ies) acceptable to the Bank.
    CACS Commercial Farm holding on all Agric Value Chain 9% Not applicable. Not applicable. Any collateral acceptable to the Bank.
    MSMEDF - Micro,
    - Small and
    - Medium enterprise
    9% (2% to CBN, 7% to Bank) N/A N/A Any collateral acceptable to the Bank.
    NIRSAL Commercial Farm holding on all Agric Value Chain Commercial -Large Scale primary producer – 20%
    -Small scale primary producer – 40%
    Small scale primary production – 75%
    Large scale primary production – 50%
    Integrated farms – 30%
    Logistics provider – 30%
    Any collateral acceptable to the Bank.
    NIRSAL Mechanization - Cooperative
    - Individuals
    - Companies
    Commercial -Small scale – 40%
    -Large scale – 20%
    -Small scale – 75%
    -Large scale– 50%
    - 10% Equity Contribution
    Any collateral acceptable to the Bank.
    RSSF Large scale commercial Farm holding on all Agric Value Chain with N500m – N10billion financing need 9% (3% to CBN, 6% to Bank) Not Applicable. Not Applicable. Any collateral acceptable to the Bank.