3 Ways to Transfer Money from Zenith Bank Without an ATM


This post will show how to transfer money from Zenith Bank without using an ATM. The Zenith Bank transfer code will be provided, as well as instructions on how to use it.

First and first, if you had asked about this many years ago, you would have received no useful answers. However, the good news is that current technology has made it extremely simple to accomplish.

I despise waiting in huge lines at ATMs across the country, and I assume you do as well. Worse, we live in a time when social separation is more important than ever, making it even more difficult to use an ATM.

Additionally, there may be times when circumstances necessitate you to make a transfer when using an ATM would be risky. For example, suppose you need to make a transfer late at night.

Given the foregoing, the technique of transfer I’m about to describe is the greatest option if it doesn’t require international transfer. In the next installment, we’ll talk about the best way to send money overseas.


It has become incredibly convenient to use banking services from the comfort of our own homes, thanks to the introduction of disruptive technologies in the banking business.

According to the current rate of development and growth in the banking industry, there will come a time when banking halls will be vacant. Because you wouldn’t have to visit a bank to use banking services.

This is in stark contrast to what happened a few decades ago, when we had to send money via post office. Or having to stand in line for hours to make a deposit at the bank.

Despite the fact that recent government actions appear to be unproductive. It is impossible to fight nature’s energy. We can’t keep living in a cash-based economy for much longer.

When cashless economic policies are fully implemented, you’ll have to say goodbye to the beloved Naira note sooner rather than later.

Now that we’ve covered the basics, let’s look at how to transfer money from Zenith Bank to other banks without using an ATM.

See alsoUSSD Code To Check Union Bank Account Balance

How to transfer money from Zenith Bank without ATM

There are three ways to transfer money from a Zenith Bank account to other banks in Nigeria. They are;

  • Zenith Internet or Online Banking;
  • Zenith Mobile Banking; and
  • Zenith USSD Code (*966#)

Zenith bank is amongst the best banks in Africa and by using their services you have these three options available to you.

1. Zenith Bank Internet Banking

This is the best way to transfer money from a Zenith Bank account without atm. And I say this because this method has the highest threshold of tranfer per day.

Zenith Bank internet banking transfer limit

You can transfer up to $1,000,000 every day using Zenith internet banking. This is in excess of the ATM’s maximum. Nonetheless, there is a stipulation. If you have a Zenith Bank token device, you can only exceed the threshold of $1,000,000 for a personal account.

However, if you have a Zenith Bank corporate account, you have a daily maximum of $5,000,000 if you use a Zenith Bank token device.

A token device, on the other hand, is a must-have since, in addition to increasing account security by encrypting transactions, it also provides other benefits such as access to premium services.

Furthermore, if you are hesitant about using the internet for banking, my two cents is that it isn’t as horrible as you think. It not only gives convenience, but it also provides privacy.

You can reduce a lot of possible hazards by being cautious when using it. You won’t want to quit using it after you’ve gotten used to it.

How to transfer money from Zenith Bank using internet banking

  • Go to the Zenith Bank website’s login page. Put your login and password in the boxes provided.
  • Select an option from the dropdown menu. Transfer fund can be found in the left-hand option menu.
  • Choose a fund transfer option. Type in the recipient account number as well as the recipient’s bank name after selecting the fund transfer option.
  • Then enter your PIN or token for internet banking. You’ll need to enter a token if you use Zenith’s token gadget.

2. Zenith Bank Mobile Banking

Difference between Internet/Online Banking and Mobile Banking

You might be asking what the difference is between Internet and mobile banking. There is, however, a distinction to be made. On the bank’s official website, internet/online banking services are available. And you’d have to use a browser to get to it.

Mobile banking services, on the other hand, are exclusively available through the bank’s official mobile application. The Zenith Bank mobile app is available for Android users on Google Play and for iOS users on Apple Store.

A smartphone is required to use a mobile banking service, but an internet/online banking service can be accessed via a laptop, desktop, phone, or any other device that can access the internet and input characters.

How to register for mobile banking

The good news is that you don’t have to go to the bank to sign up for mobile banking. You can register from the convenience of your own home, workplace, or store, or from anyplace else.

You’ll require the following items:

Your account number, email address, and phone number are all required fields.

Before you sign up for mobile banking, make sure you have these details.

To sign up for Zenith Mobile Banking, go to the Google Play Store for Android users and the Apple Store for iOS users and download the official app. Simply follow the on-screen directions, and voila! You’ve completed the task.

Assuming you’ve signed up for Zenith Bank’s mobile banking service. I’ll then go over how to use the Mobile App to make a money transfer.

Note: Once your registration is completed, you can pay bills, buy airtime or data plans, subscribe on DSTV, GOTV etc., in addition to transferring money to other banks in Nigeria.

How to transfer money from Zenith Bank (without ATM) by using Mobile Banking

  1. Launch the Zenith Bank Mobile App.
  2. Tap the Menu button.

On the top left corner after launching the Mobile App, you’ll find the menu button.

  1. Select send money.
  2. Input the recipient’s account details.
    You will have to type in the recipient’s account number and select his bank name.
  3. Input you confirmation PIN or token.

Zenith Bank mobile App transfer limit

Also, note that you have a threshold of ₦500,000 per day while using the Mobile App. However, if you a token you transfer limit increases to ₦3,000,000 per day.

Merits of Online and Mobile Banking

  • Ability to request and view statement of account.
  • Higher threshold. Able to transfer a maximum of ₦1m. And ₦3m with the use of a token
  • You can check your account balance, number, BVN number without paying ₦15 charge.

3. Zenith Bank transfer (USSD) Code [*966#]

This is the last, although certainly not the least, method on the list. It is the most well-known method of transferring funds from a Zenith Bank account without using an ATM. You don’t even need the internet to do it.

The approach is preferred by most risk averse people over the others because all you have to do is dial the *966# USSD money transfer number.

Some people are unaware of alternative approaches, and even when they are, they quickly disregard them. This could be due to a widely circulated viewpoint with no clear source.

Zenith Bank USSD code transfer limit

If it wasn’t so painfully limited, this may have easily been the best means of transfer. The transfer limit for the USSD Code (*966#) method is 20,000 per transaction. A daily restriction of $100,000 is also in place.

When using the *966# USSD Code option with a Zenith Bank Token device, however, you can transfer up to $3,000,000.

How to use the USSD Code (*966#) to send money

To use a USSD Code to send money, you must first register for the service by creating a Zenith Bank transaction PIN.

See also: How to check Zenith Bank account Balance, Statement Of Account and EazyBanking ussd code

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