Keystone Bank: USSD Codes, mobile banking, contacts & more

Established in 2011, Keystone Bank is one of the most popular commercial banks in Nigeria. It currently has 157 branches and 10 cash offices spread across the country. In this article, we’ve highlighted the key things you need to know about Keystone Bank and the banking services they offer.

You will also learn about Keystone internet banking, mobile banking, USSD banking, current and savings accounts, loans, and many other banking services.

An overview of Keystone Bank

• 2011: Obtained CBN license and started banking operations.
• Assumed the assets and some liabilities of the now-defunct Bank PHB.
• 2017: Sold to Sigma Golf-Riverbank consortium for NGN 25 billion.

As of the moment of writing this, Keystone Bank has 156+ branch locations and 10 cash offices in Nigeria. Its key subsidiaries include Global Bank Liberia (Monrovia, Liberia) and Keystone Insurance (Lagos, Nigeria).

Keystone Bank internet banking

Keystone Bank internet banking allows users to manage their bank accounts and make any transaction on the web. You will only need your bank account details, a web browser, and an internet connection.

Registration for Keystone Bank internet banking

To register for Keystone Bank internet banking, kindly visit the registration page.

Login to Keystone Bank internet banking

Visit the page here to log in to your Keystone Bank internet banking account. If you don’t have an internet banking account yet, you can log in with your mobile banking details.

Keystone Bank mobile banking

Keystone Bank provides an effective mobile banking solution for all new and existing customers. With the app installed on your mobile device, you won’t necessarily have to visit bank offices regularly.

Key features

• Access and control your accounts
• Send Money to Keystone accounts and other banks
• Make foreign transfer
• Airtime and bills Payments
• Make cheque deposit
• Request cheque book
• Engage your account officer
• View transaction history, monthly trends and request for your account statement
• Fixed deposit and Investment
• Hide/show the account balance
• Manage Beneficiaries
• Turn on/off your debit card
• Set your card transaction limit for POS/WEB//ATM
• Locate Keystone Bank branch offices

How to download the Keystone Bank Mobile app

Android

You can download and install the Keystone Bank Mobile App from the Google Play Store. It has a small size of 53 MB and over 500,000 downloads. It currently has a review rating of 3.7 from over 5,000 users.

iOS

If you’re using an iPhone device, you can download and install Keystone Mobile from the Apple App Store. 

Keystone Bank USSD Banking

Keystone Bank’s USSD code is *7111#. You can access this code from any network, including MTN, Airtel, GLO and 9Mobile. Note that it can only work on the phone number linked to your bank account.

• Check account balance: *7111*00#
• Recharge your airtime: *7111*Amount#
• Recharge airtime for others: *7111*Amount*Phone Number#
• Transfer money: *7111*Amount*Account Number#
• Activate your debit card: *7111*9*123#

See more Keystone Bank USSD codes. 

Keystone Bank customer care

If you have any complaints or enquiries, you can always get in touch with Keystone Bank. They have customer support staff that will attend to you.

Customer care number

• 01-4485742
• 07046004000
• +234 700 2000 3000

Email address

Contactcentre@keystonebankng.com

Keystone Bank head office address

Keystone Bank has a head office in Nigeria where they manage the banking services they offer. You can also visit the head office if you have any complaints or enquiries, wish to open a new bank account physically or obtain a loan.

It is located at No. 1, Keystone Bank Crescent, Off Adeyemo Alakija Street, Victoria Island, Lagos, Nigeria.

Keystone Bank financial products and services

Personal Savings Account

• Minimum opening balance and operating balance of N500
• An interest rate of 4.20% per annum (Terms and conditions apply
• Issuance of Verve and MasterCard debit cards
• No restriction on the 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 for Personal Savings Account

• 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

Personal Current Account

• Zero minimum opening balance.
• Zero 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
• An account can be used to access loans
• 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 for Personal Current Account

• Valid means of identification
• Documentary evidence of address
• 2 references
• BVN
• Passport photograph
• Mandate card

Quick Save Account

• No opening balance
• Minimum operating balance of N500
• Competitive Interest Rate
• No monthly maintenance fee
• Access to e-banking products – Debit cards and USSD
• A maximum single deposit of ₦50,000
• Maximum cumulative balance of ₦300,000
• Account available to Nigerians only

Requirements for Quick Save Account

• Duly completed account opening form
• One passport photograph
• Customer’s Bank Verification Number (BVN)

Quick Save Plus Account

• 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
• A maximum single deposit of ₦100,000
• Maximum cumulative balance of ₦500,000
• Account available to Nigerians only

Requirements for Quick Save Plus Account

• Duly completed account opening form
• One passport photograph
• Verifiable means of identification
• Customer’s Bank Verification Number (BVN)

Savings Account Extra

Has features of both savings accounts and current accounts. It is made for Individuals, Businesses, Clubs, Associations, Religious organizations, Cooperatives and NGOs.

Evolve Savings Account

Specifically made for students in tertiary Institutions and also NYSC Corp members. It offers convenient banking services for interested customers.

Other banking products and services

There are many banking products and services offered by Keystone Bank. You can see them all here. 

Keystone Bank loans

Personal Loans

The Keystone Bank Personal Loan is available on short-term and medium-term to employees of corporate organizations.

Loan features

• Obtain a loan amount of up to NGN 10 million
• Pay it back within 36 months
• Competitive interest rate
• Credit life insurance required

Auto loan

Keystone Bank Auto Loan helps eligible customers to meet up with the price requirement of any vehicle they wish to purchase. Note that the loan only applies to brand-new vehicles.

Loan features

• Get up-to NGN 15 million
• Pay back within 48 months
• Minimum equity contribution of 20%
• Competitive interest rate
• Credit life insurance

Asset Financing Facility

This loan product allows eligible salary earners to purchase a new household, electrical and electronic devices from Keystone Bank’s approved vendors. They can pay it back within 18 months.

Loan features

• Get up to NGN 5 million
• Pay back within 18 months
• Minimum equity contribution of 20%
• Competitive interest rate
• Credit life insurance required

Device Financing Facility

This loan product assists eligible salary earners to buy new phones and other devices from 9mobile. They can pay it back within 12 months.

Loan features

• Obtain up to N500,000
• Pay back within 12 months
• Minimum equity contribution of 20%
• Competitive interest rate
• Credit life insurance

How to apply for Keystone Bank loans

Kindly visit the Keystone Bank loan page to see all loan products and their application processes. Alternatively, you can contact their customer care or visit a physical branch. 

Keystone Bank website

Keystone Bank has a website where you can see all information about them on the web and learn more about their services. The website is KeyStoneBankng.com. 

Keystone Bank Swift Code information

A SWIFT code is a set of 8 or 11 digits that represents a bank branch. You’ll need to use one when sending money internationally.

Is the Keystone Bank SWIFT code the same for all branches?

While some commercial banks use the same SWIFT code for all their branches, others designate a unique SWIFT code for each branch.

If you’re not sure of which code to use, you can always use Keystone Bank’s head office SWIFT code to send money. It has been provided below.

Swift Code	PLNINGLAXXX
Bank Name	Keystone Bank Limited
Address	1, Keystone Bank Crescent, Off Adeyemo Alakija Street, Victoria Island, Lagos
City	Lagos
Country	Nigeria

Keystone Bank branch locations

You don’t have to start asking around before you can locate any Keystone Bank branch in your region. Simply visit the Keystone Bank branch/ATM locator to see the full list of all office branches and addresses.