WOULD YOU LIKE TO CHAT?

Personal Banking

  1. Home
  2. |
  3. Personal Banking
  4. |
  5. Accounts
Personal Savings Account

Personal Savings Account

The Keystone Bank Savings account is available for

The Keystone Bank Savings account is available for individuals to save towards a goal and get rewarded with interest. With the Keystone Bank Savings account, banking can be done anytime and anywhere.

Features ▼
  • Minimum opening balance and operating balance of N500
  • Competitive Interest rate.( Terms and Conditions apply)
  • Issuance of Verve and MasterCard debit cards
  • No restriction on number of withdrawals
  • Access to e-banking services e.g. Mobile Banking and Internet Banking on request
  • Alert notifications by SMS or Email through our Transaction Notification Service
  • Cash withdrawals on over 300 Keystone Bank and other Banks’ ATMs nationwide using the Keystone Bank Debit Card
Requirements ▼
  • Duly filled and signed account opening form
  • Valid means of identification
  • Documentary evidence of address e.g Utility bill
  • BVN
  • Passport photograph
  • Mandate card
  • Copy of valid ID of the signatory
Open Account
Personal Current Account

Personal Current Account

The Keystone Current Account is available for individuals

The Keystone Current Account is available for individuals to carry out daily banking transactions seamlessly and conveniently, anytime and anywhere . Having a Keystone Current Account is an in-road into a vast array of services and benefits.

Features ▼
  • No minimum opening balance. However, it is advisable to get funds that will cater for debit card and cheque booklet
  • No minimum operating balance
  • Current account maintenance fee of ₦1 per mille for every ₦1,000 debit transaction
  • Issuance of cheque booklet valid for clearing
  • Issuance of Verve and MasterCard debit cards
  • Account can be used to access loans (Terms &Conditions apply)
  • No limit to number of withdrawals
  • Access to e-banking services e.g. Mobile Banking and Internet Banking on request
  • Alert notifications by SMS or email through our Transaction Notification Service
  • Cash withdrawals on over 300 Keystone Bank and other Banks’ ATMs nationwide using the Keystone Bank Debit Card
Requirements ▼
  • Duly filled and signed account opening form
  • Valid means of identification
  • Documentary evidence of address
  • 2 references
  • BVN
  • Passport photograph
  • Mandate card
Open Account
Quick Save Account

Quick Save Account

The Quick Save Account is a savings account specifically

The Quick Save Account is a savings account specifically designed for customers with minimal documentation. The account is aimed at providing financial services to the unbanked and underbanked segment.

Features ▼
  • No opening balance
  • Minimum operating balance of N500
  • Competitive Interest Rate
  • No monthly maintenance fee
  • Access to e-banking products – Debit cards and USSD
  • Maximum single deposit of N50,000
  • Maximum cumulative balance of N300,000
  • Account available to Nigerians only
Requirements ▼
  • Duly completed account opening form
  • One passport photograph
  • Customer’s Bank Verification Number (BVN)
Open Account
Quick Save Plus Account

Quick Save Plus Account

The Quick Save Plus Account serves as an advanced variant

The Quick Save Plus Account serves as an advanced variant of the Quick Save Account. It is targeted at financially excluded persons who are able to provide a valid form of identification.

Features ▼
  • No opening balance
  • Minimum operating balance of N500
  • Competitive Interest Rate
  • No monthly maintenance fee
  • Access to e-banking products i.e. debit cards and USSD
  • Maximum single deposit of N100,000
  • Maximum cumulative balance of N500,000
  • Account available to Nigerians only
Requirements ▼
  • Duly completed account opening form
  • One passport photograph
  • Verifiable means of identification
  • Customer’s Bank Verification Number (BVN)
Open Account
Future Account

Future Account

The Keystone Future Account is a savings account for kids

The Keystone Future Account is a savings account for kids and teenagers. It is designed to help parents/guardians plan for the education of their children or wards. This account also helps in building a savings culture amongst children. The Future Account comes in 2 variants: Future Kids: Age 0 – 10 years Future Teens: Age 11 – 17 years

Features ▼
  • Account can be opened in child’s name by parents, family friends, NGO, etc.
  • Opening and minimum operating balance of ₦500
  • Competitive Interest Rate
  • Saving with ease via a Standing Instruction from parents’/guardians’ account
  • Access to E-banking products - Cards, USSD, Mobile banking & Internet banking
  • Allows lodgment of cheques and dividend warrants
  • Safe and secure opportunity to build funds for future use
Requirements ▼
  • Duly filled and signed account opening form
  • Valid means of identification of Child/Ward
  • Documentary evidence of address
  • BVN of Parents/Guardians,
  • Visitation report and KYC form
  • Passport photograph of Child/Ward and Parents/Guardians
  • Mandate card
  • Copy of valid ID of the signatory
Open Account
Evolve Savings Account

Evolve Savings Account

Take the first step towards your financial independence by

Take the first step towards your financial independence by opening a Keystone Evolve Savings Account. The Keystone Evolve Savings Account is specifically designed for students in Tertiary Institutions as well as NYSC Corp members to help make the most of their funds.

Features ▼
  • Minimum opening balance of N500
  • No operating balance required
  • Competitive Interest Rate
  • Issuance of Verve and MasterCard debit cards.
  • 50% discount on issuance of first debit card
  • Maximum monthly turnover of N2,000,000
  • No limit to number of withdrawals
  • Access to e-banking services e.g. Mobile Banking and Internet Banking on request
  • Alert notifications by SMS or email through our Transaction Notification Service
  • Cash withdrawals on over 300 Keystone Bank and other Banks’ ATMs nationwide using the Keystone Bank Debit Card
Requirements ▼
  • Duly filled and signed account opening form
  • Student ID card/Corp Member's ID card
  • BVN
  • Passport photograph
  • Mandate card
Open Account
Savings Account Extra

Savings Account Extra

Savings Account Xtra is a savings account that functions

Savings Account Xtra is a savings account that functions like a current account. The product is designed for Individuals, Businesses, Clubs, Associations, Religious organizations, Cooperatives and NGOs.

Features ▼
  • Opening balance of N5,000 for individuals, and N10,000 for businesses
  • Minimum balance of N5,000 for individuals, and N10,000 for businesses
  • Competitive Interest Rate
  • Zero maintenance fee
  • Issuance of Verve and MasterCard debit cards
  • Issuance of non-clearing cheque booklets
  • Allows lodgment of clearing cheques & dividend warrants
  • Third party withdrawals using cheques not valid for clearing
  • Access to E-banking products - Cards, USSD, Mobile banking & Internet banking
  • One reference required
Requirements ▼

Individual

Micro, Small and Medium Enterprises and trader

Corporate

Duly filled and signed account opening form

Duly filled and signed account opening form

Duly filled and signed account opening form

Valid means of identification

Certificate of Registration

BVN from signatories

1 completed reference form

Form of application for registration of business name

Documentary evidence of address for the company e.g utility bill

Documentary evidence of address

Documentary evidence of address for the business

2 references (corporate entities only)

BVN from customer

2 completed reference forms

2 Passport photographs

Passport photograph of the signatory

Passport photograph of each signatory

Valid means of identification of each signatory

Mandate card

Mandate card

Residence Permit (where applicable)

Copy of valid ID of the signatory

Copy of valid means of identification of the signatory

Certificate of Incorporation / Business Registration

Duly filled and signed account opening form

Forms CO7 and CO2

Tax Identification Number

Memorandum and Article of Association

BVN from customer

Board resolution

SCUML certificate (DNFBPs only)

Tax Identification Number


SCUML certificate (DNFBPs only)
Open Account
Paytime Account

Paytime Account

Paytime Account is an account designed for salary earners.

Paytime Account is an account designed for salary earners. It comes in Current and Savings account variants to suit your financial and lifestyle needs as a salary earner.

Features ▼
  • No opening and operating balance
  • Clearing cheque book for Paytime Current account
  • Current account maintenance fee of ₦1 for every ₦1,000 debit transaction for Paytime current
  • Easy access to Consumer Finance Facility (Terms and Conditions apply)
  • Lodgment of third-party cheques and dividend warrants into account
  • Competitive Interest Rate
  • Access to e-banking services e.g. Mobile Banking and Internet Banking on request
  • No restriction on number of withdrawals
Requirements ▼
  • Duly filled and signed account opening form
  • Valid means of identification
  • Letter of Introduction from employer
  • BVN
  • Passport photograph
  • Mandate card
  • Copy of valid ID of the signatory
Open Accounts
Pink Account

Pink Account

The Pink Account is an account designed specifically to

The Pink Account is an account designed specifically to meet the unique needs of our female professional and SME customers. This account provides features and benefits that ensure success in the home and business lives of women. There are two variants of this account: Pink Current and Pink Purse (Savings).

Features of Pink Current Account ▼
  • Opening balance of N20,000
  • Minimum balance of N20,000
  • 2% discount on Interest rate for women owned business
  • Monthly fixed charge of N1,000
  • Issuance of customized Pink MasterCard
  • Issuance of personalized cheque books (valid for clearing)
  • Lodgment of clearing cheques & dividend warrants into account.
  • Third party withdrawals using cheque books.
  • Access to E-banking products - Cards, USSD, Mobile banking & Internet banking
  • Available for individuals and businesses
  • Access to Capacity building and mentoring sessions
  • Access to Pink Network community & E-commerce platform
  • Access to the Bank’s credit facilities (Terms and Conditions apply)
Features of Pink Savings Account ▼
  • Opening balance of N5,000
  • Minimum balance of N5,000
  • Competitive Interest Rate
  • Issuance of customized Pink MasterCard
  • Issuance of personalized cheque books (not valid for clearing)
  • Lodgment of clearing cheques & dividend warrants into account.
  • Third party over-the-counter cheque withdrawals (only in Keystone Bank branches)
  • Access to E-banking products - Cards, USSD, Mobile banking & Internet banking
  • Available for individuals and businesses
  • Access to Capacity building and mentoring sessions
  • Access to Pink Network community & E-commerce platform
Requirements ▼

Individual

NGOs and Unincorporated Business

Corporates

Duly filled and signed account opening form

Valid means of identification

1 completed reference form

Documentary evidence of address

BVN from customer

Passport photograph of the signatory

Mandate card

Copy of valid ID of the signatory


Duly filled and signed account opening form

BVN from signatories

Certificate of registration

Mandate Card

Copy of rules/bye laws/constitution of the Club. Society or Association

Minutes of meeting/resolution of the Association/Club

Documentary evidence of address e.g utility bill

1 completed reference form

2 Passport photographs

Valid means of identification of each signatory

Duly filled and signed account opening form

BVN from signatories

Documentary evidence of address for the company e.g utility bill

2 references (Corporate Entities only)

2 Passport photographs

Valid means of identification of each signatory

Residence Permit (where applicable)

Certificate of Incorporation / Business Registration

Forms CO7 and CO2

Memorandum and Articles of Association

Board resolution

Tax Identification Number

SCUML certificate (DNFBPs only)

Open Account
Nigerians In The Diaspora Account

Nigerians In The Diaspora Account

Keystone Bank diaspora accounts are targeted at Nigerians

Keystone Bank diaspora accounts are targeted at Nigerians in Diaspora to give them the opportunity of enjoying banking services in Nigeria. It comes in variants of foreign-denominated currencies of Dollar, Euro, and Pound as well as the Naira.

Diaspora Savings Account Xtra ▼
  • Hybrid Savings Account
  • Account denominated in Naira only.
  • Minimum opening and operating balance N 5,000
  • Monthly credit interest is payable in line with CBN MPR rate. However, interest is forfeited upon the fourth withdrawal in a month.
  • No maintenance fees.
  • Cash lodgment is not permitted.
  • Does not accept third party cheques.
  • Issuance of non-clearing Cheque Book and third-party Withdrawals using non-clearing cheques.
  • Access to Internet Banking and Mobile Banking.
  • Access to debit cards for banking transactions.
  • Email and SMS notifications are available.
  • Cannot be used to access credit facility.
Diaspora Current Account ▼
  • • Minimum Opening and Operating Balance of 10 units of USD, GBP, and EURO • Denominated in USD, GBP, and EURO. • Credit interest of 0.15% (Negotiable) per annum payable monthly for foreign currency accounts. • No maintenance fees. • Cash lodgment is not permitted. • Does not accept third party cheques. • Cannot be used to access credit facility. • Access to Internet Banking and Mobile Banking
Requirements ▼

Requirements/Documentation

Condition

Completion of NIDA Account

Application form

Compulsory

Notarized/sighted copy of

proof of identification

Valid ID: Data Page of Valid Nigerian International Passport

Passport Photograph

Required (1 photograph)

Notarized/sighted copy of

proof of address

Acceptance of address

verification from authorized

public officers i.e. university

professors, medical doctors,

lawyers, clergy etc

Utility bill, rent receipt, credit card bills,

driver’s license, residence permit or

bank statement) please Note: the

address of the customer in Diaspora

must reflect on either of these.

documents.

Bank References

1Nigerian Bank Reference.

BVN

Compulsory

Proof of Source of Funds

Recent pay slip/ work ID/ letter of reference from current banker/ business registration documents if self-employed, foreign Bank statement.
Open Account
Domiciliary Account

Domiciliary Account

The Keystone Domiciliary account is a product which is

The Keystone Domiciliary account is a product which is denominated in foreign currencies of EUR, GBP, or USD.

Features ▼
  • Zero minimum operating balance
  • Competitive interest rates
  • Cash Withdrawal – 0.05% of amount withdrawn
  • Issuance of personalized non-clearing cheques
  • Telex charge of $25 or its equivalent in pounds or euro
  • No Account Maintenance fee
  • No restriction on number of withdrawals
  • Access to Keystone Bank Visa debit/credit card
  • Access to safe and secure E-Banking services & Channels - Mobile Banking and Internet Banking services
  • Lodgments of cash in foreign currency
  • Withdrawal of cash in foreign currency
  • Third party withdrawals across Keystone Bank network
  • Opening balance is 100 units of foreign denominated currencies of EUR, GBP, or USD
Requirements ▼
  • Duly filled and signed account opening form
  • Valid means of identification
  • Documentary evidence of address
  • 2 references
  • BVN
  • Passport photograph
  • Mandate card
Open Account
HISA

HISA

High Interest Savings Account (HISA) is a savings account

High Interest Savings Account (HISA) is a savings account for Mass Affluent Individuals that pays higher interest rate above the conventional savings account. It is an account designed to inculcate a savings culture with a guarantee of earning higher interest rates on credit balances while working towards achieving their goals. The guarantee of earning a higher interest rate is the major value offering of this product.

Features ▼

Product Name

HISA Band C

HISA Band B

HISA Band A

Minimum Operating

Balance

N 500,000- N 4,999,999

N 5,000,000- N 9,999,999

N10,000,000-N 19,999,999.

Withdrawal Limit

Monthly credit interest is payable in line with CBN MPR rate. However, interest Payable is forfeited after the fourth withdrawal in a month.

Monthly credit interest is payable in line with CBN MPR rate. However, interest Payable is forfeited after the fourth withdrawal in a month.

Monthly credit interest is payable in line with CBN MPR rate. However, interest Payable is forfeited after the fourth withdrawal in a month.

Interest Rate

CBN recommended interest rate +0.60%

CBN recommended interest rate +0.85%

CBN recommended interest rate +1.35%

Terms & Conditions
  • The minimum operating balance is N500,000.00 only (Two Hundred and Fifty Thousand Naira only).
  • It can be operated as a joint account.
  • Access to SMS and Email notification Services
  • If customer balance is below minimum operating balance, interest will be paid at the rate of the generic savings account.
  • No issuance of debit card.
  • Access to E-banking channels
  • Accepts cheque payments up to N2M daily in line with CBN policy.
  • This account cannot be used to access credit facility
Requirements ▼
  • • Passport photograph.
  • • Copy of valid ID of the account holder.
  • • Copy of Residence Permit for foreigners.• Valid Utility Bill.• Address Verification Report & Completion of KYC form.• BVN.
  • N 50 Postage stamp
Open Account
Domiciliary Lite Account

Domiciliary Lite Account

The Domiciliary Lite Account is a savings product

The Domiciliary Lite Account is a savings product denominated in foreign currency (USD only). The product offers the mass market the opportunity to operate a domiciliary account with minimal documentation for purposes of receiving diaspora remittances directly.

Features ▼

Product Variant

Savings account denominated in USD only

Opening and operating balance

No minimum operating or opening balance

Cash lodgment

No cash lodgment/deposit.

Cash withdrawal

Withdrawal of cash in foreign currency. (USD)

Charges

Cash Withdrawal – 0.05% of amount withdrawn

Telex charge of $25

Credit Interest

No credit interest

Maximum Cash Withdrawal

$2,000 per transaction.

E-Banking

Access to E-Banking services like mobile banking and internet banking.
Requirements ▼
  • BVN
  • Simplified account opening form
  • Mandate card
  • One passport photograph
  • Valid ID card is required
Open Account