How to Upgrade Zenith Bank Account Easily (Online & Offline)

Zenith Bank is a leading financial service provider in Nigeria and Anglophone West Africa, headquartered in Victoria Island, Lagos. It boasts a diverse range of services, including:

  • Retail banking: Serving individuals with savings accounts, current accounts, loans, mortgages, and other personal banking products.
  • Corporate banking: Providing financial solutions to businesses of all sizes, including trade finance, cash management, and investment banking services.
  • Investment banking: Assisting clients with mergers and acquisitions, debt and equity financing, and other capital market activities.
  • Private banking: Offering personalized wealth management services to high net worth individuals.
  • Small and medium-sized enterprises (SMEs): Provides tailored services and financial tools for SMEs to help them grow and thrive.
  • International Banking: Serves clients across several countries in Africa and beyond, facilitating international transactions and investments.

Zenith Bank is recognized for its strong financial performance, innovative technology, and commitment to customer service. 

If you want to know how to upgrade Zenith Bank account easily (online & offline), this blog post will help you get started.

How to Upgrade Zenith Bank Account Easily Online

Here is How to Upgrade Zenith Bank Account Easily Online:

How to Upgrade Zenith Bank Account Easily Offline

If you prefer a more personal touch, you can upgrade your account by visiting a Zenith Bank branch. Here's how:

  • Using the branch locator that is available on the Zenith Bank website or mobile app, you will be able to locate the Zenith Bank branch that is most convenient for you.
  • Check out the location: Bring along your valid identification, your BVN, and any other documents that may be required for the process of upgrading.
  • Talk to a representative of the customer service department: Provide the representative with the information that you would like to upgrade your account. It is their responsibility to walk you through the process and respond to any questions that you might have.
  • Fill out the application form as follows: In order to proceed, please provide your personal and financial information on the required form.
  • Please send in your application: After you have finished reviewing the information, return the form to the representative who is in charge of customer service.
  • Please wait for confirmation: Within a few business days, you will be sent a notification that will confirm the upgrade that you have purchased for your account.

How to Upgrade Zenith Bank Account Easily Online 

Due to the fact that Zenith Bank did not provide the ability to upgrade your account online, it is regrettable that Zenith Bank did not provide the option to upgrade your account online.

Nevertheless, in order to effectively upgrade your Zenith Bank account, I strongly suggest that you refer to the approach that was described before earlier.

Requirements to Upgrade Zenith Bank Account Easily (Online & Offline)

You need:

  • Valid identification: National ID card, international passport, or driver's license.
  • Proof of address: Recent utility bill (PHCN, water, tenancy) or bank statement with your current address.
  • Account information: Account number and account name.
  • Completed account upgrade form: Download the form online or obtain it from the branch.
  • Minimum account balance: Specific upgrades may require a minimum balance. Ensure your account meets the requirement.
  • Additional documentation: Business documents for corporate upgrades or income documents for higher tier upgrades (if applicable).


Which documents do I need to upgrade my account online?

You will need the following documents:

  • Valid ID (international passport, driver's license, national ID card)
  • Recent passport photograph (2 copies)
  • Utility bill (not older than 3 months)
  • BVN (Bank Verification Number)
  • Account information (account number, account name, and branch)

Are there any additional requirements for specific account upgrades?

Yes, some upgrades might require additional documents depending on the chosen type. These may include business-related documents for corporate upgrades or income-related documents for higher-tier account upgrades.

What happens after I submit my application?

You will receive a confirmation notification once your application is processed. The processing time may vary depending on the chosen upgrade option and potential document verification.

How much can a Zenith Bank savings account hold?

The maximum amount a Zenith Bank savings account can hold depends on the specific type of savings account and its terms and conditions. Contact your local branch or visit the Zenith Bank website for details.

Can I upgrade my account if I am a foreigner?

Yes, foreigners can upgrade their Zenith Bank accounts. However, additional documentation like your residence permit or visa might be required.

Do I need to maintain a minimum balance for an upgraded account?

Some upgrades may require you to maintain a minimum account balance. Check the specific requirements of your chosen upgrade option.

What is the BVN limit for a Zenith Bank account?

Currently, there is no specific BVN limit for individual Zenith Bank accounts. However, the Central Bank of Nigeria (CBN) has set a maximum limit of N5 million for daily cash withdrawals across all accounts linked to a single BVN.

Can I open a Zenith Bank account online?

Yes, you can open a Zenith Bank account online through the following steps:

  • Visit the Zenith Bank website: 
  • Click on "Open Account."
  • Select the desired account type.
  • Fill out the online application form with your personal and financial information.
  • Upload the required documents.
  • Submit your application and wait for confirmation.


There is a world of improved benefits and services that can be unlocked by upgrading your Zenith Bank account, which is a wise move worth considering. The procedure itself is simple and straightforward if you follow our guide. 

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