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Internet Banking

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It is an electronic payment service that allows users carry out transactions online from any location using Internet enabled devices such as laptops, desktop computers, tablets, phones, etc.

Benefits ▼
  • Improves customer Self-service.
  • It is a secure platform.
  • It brings convenience.
  • The service is available 24 hours a day and 7 days a week.
  • It saves you the stress of queuing up in the banking halls.
Features: ▼
  • View and send account statement to email.
  • Intra-Bank and Inter-Bank transfer.
  • Transfers to multiple beneficiaries.
  • Airtime top-ups and Bills payment (Telcos, Utility Bills, Cable TV Bills, Internet Services, Transport and Toll Services, etc.)
  • Self Service limit increase.
  • Book fixed deposits.
  • Lifestyle (Movie tickets, Flight tickets)
  • Standing Instruction/ Book a recurrent bill
  • Hide Balance…. offers you the option to hide/display account balance from shoulder surfers.
  • Self-password reset
  • Self-enrolment
  • Ability to log in with your mobile app user details.
Registration Process (with Account Number) ▼
  • Go to Keystone bank website (www.keystonebankng.com) or Open Keystone Bank Mobile app.
  • Click on Register
  • Input account details
  • OTP is sent to your registered email and phone number
  • Create preferred username, password, Transaction PIN and input OTP
  • Enrollment successful
  • Select three security questions.
  • Login.
Registration Process (With Account Number and Debit Card) ▼
  • Go to Keystone bank website (www.keystonebankng.com) or Open Keystone Bank Mobile app.
  • Click on Register.
  • Input account details and last 6 digit of your debit card.
  • OTP is sent to your registered email and phone number.
  • Create preferred username, password, transaction PIN and input OTP.
  • Enrollment successful.
  • Select three security questions.
  • Login.

Already on Mobile app? Please login with your Mobile app details (Username and Password)

How to Activate Keystone Bank mToken ▼

Download and Install the Keystone Bank mToken from Playstore and Apple store (for Android and IOS users).

  • Click on ‘Get Codes’.
  • Input Internet Banking/Mobile App User ID (Please note that it is case sensitive).
  • Click on ‘Get Activation code’.
  • User ID and Activation code is sent to customer’s registered phone number and email address.
  • Open app to input the User ID and activation code.
  • Create a 6-digit PIN and then re-confirm it.
  • A National flag will display as your PIN hint (Please take note of the flag).
  • Click on OK and an OTP will be generated.

FAQs On Internet Banking


1. Who can use this service?

  • All individual accounts.

2. Can I use this service when I am overseas?

Yes, you can register and carry out transactions.

3. Can I use this service on any device?

  • No, only internet enabled devices ranging from desktop computers, laptops, tablets, mobile phones etc.

4. Can I use this service on more than one account?

  • Yes, the service is automatically linked to all your retail accounts with the bank so you can select which account to use when performing a transaction.

5. How secure is this service?

  • To conclude a transaction, you will be required to input a token.

6. What Happens if I forget my Password?

  • Launch the Internet Banking page.
  • Click on ‘Forgot Password’, input Username, New Password, and Token.

7. How to authenticate transactions?

  • Hard Token or Soft Token (Keystone Bank mToken)

8. Why am I locked out?

  • You would be locked out from this service if you enter a wrong PIN three times. You need to contact the Bank for assistance.

9. How can I increase my daily transaction limit?

8. What is the difference between Transaction PIN and Password?

  • Transaction PIN is used to authenticate transactions (bills payment, transfers etc.). The default PIN is 4 digits and this must be changed at first login.
  • Password is what you use to login to the App before any transaction can be carried out.

9. How many characters must the Password and transaction PIN have?

  • Minimum of 8 characters (alphanumeric) for password.
  • Maximum of 4 digits transaction for PIN.

10. Can I send money to multiple beneficiaries?

  • Yes, you can.
  • This feature can be located on the menu ‘Bulk payments.’

11. How much is the Token?

  • Hard Token is N2,500, while Soft Token is Free.

12. How can I reach the bank if I have issues?

  • For further enquiries, kindly reach out to us on 07002000300, send an email to contactcentre@keystonebankng.com or write a message to us via the ‘Enquiries & Complaint’ on the KeyMobile App.