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Gtbank Quick Credit Loan Code & Complete Review

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GTBank Quick Credit loan codes and review 2020.

Quick Credit is a financial programme introduced by the Guaranty Trust Bank to help the working class of their customers.

Gtbank quick credit loan 2020

With this programme, you can get a loan as high as five million naira, after a successful application. However, not everyone is eligible to take the Quick Credit Loan from GTBank.

First, the borrower must either babe a salary earner or self-employed. There are also some other criteria and requirements which will be explained in details later in this post.

What does the Quick Credit Programme entail?

With the GTBank Quick Credit, you can;

  • Get a loan of N500,000 – N5 million.
  • Repay the loan within 6 – 12 months from the date of loan application /approval.
  • Repay the loan with an interest rate of just 1.33% monthly.
  • Get a loan as low as N10,000

Eligibility

To apply for the Quick Credit, you must meet some criteria, which are;

  • You must be a GTBank customer/account older.
  • You must be a salary earner or self-employed.
  • You must be at least 18 years and not exceed 59 years of age at the loan application date and maturity date respectively.
  • You must be earning a minimum net salary of N10,000 per month.
  • You must maintain a minimum monthly deposit/lodgement of N20,000.
  • You must not have any history of dud cheques.
  • You must have a good credit score.
  • You must be able and willing to pay back the principal and interest installmentally spread equally in the space of 6-12 months.

To confirm if you are eligible to proceed with your application, simply dial *737*51*51#.

How to apply for Gtbank Quick Credit Loan?

Application is very simple and easy. In fact, you do not need to step into a branch to initiate the application process.

Moreover, there are different channels to apply for the Quick Credit. They include;

  • USSD Channel
  • Internet banking Channel &
  • Mobile banking Channel

Gtbank loan review

How to apply for the Quick Credit Loan using the USSD channel

Follow this procedure to initiate a Quick Credit loan using the USSD code;

  1. Using the phone number connected to your GTBank account, dial *737*51*51#
  2. Follow the on-screen prompts.

How to apply for the Quick Credit Loan using the Internet Banking Channel

  1. Log in to your GTBank Internet banking portal using your email and PIN.
  2. On your dashboard, select “Loans”.
  3. Click “Quick Credit”.
  4. Begin your application.

The same procedure applies to the Mobile banking medium.

Are there any other fees to be paid before and after application?

No! There are no hidden fees. Asides the repayment of your loan principal, all you have to pay is a 1.33% monthly interest of your principal.

For example, if you borrow a sum of six hundred thousand naira, and you are to pay back within 6 months. You will be required to pay a total of ( N100,000 + N7,980 = N107,980) for a duration of six months.

The one hundred thousand, is the monthly principal accrued on your loan amount for the six months(N600,000/6 = N100,000).

On the other hand, the seven thousand, nine hundred and eighty naira is the monthly interest on the loan amount ( 1.33% * 600,000 = N7,890 ).

Therefore, in total, you will pay a sum of six hundred and forty seven thousand, eight hundred and eighty naira).

This signifies that the total interest accrued for the six months. Therefore, the longer it takes to repay the loan, the higher the interest you will pay.

In other words, the loan repayment tenure varies directly with the accrued interest.

What is the Maximum Loan Amount I can get?

As a salary earner, you can get a maximum loan of 5 million naira on Quick Credit.

On the other hand, as a self-employed / business individual, the highest loan you can get on Quick is five hundred thousand naira.

However, the minimum loan amount generally is N10,000 (for salary earners and self-employed only).

I will be 18 years of age in 1 month time, can I apply now?

No! If you are not yet 18 years, don’t bother to apply irrespective of when you will clock that age.

Instead, wait till you are 18 years legally, and apply, your request will be granted if you meet all the requirements, excluding none.

How will I repay Gtbank Loan?

There is absolutely no need to go to the bank for the loan repayment.

Before applying for Gtbank Quick Credit loan, you will be told to authorise the bank to debit your account as at when due. The bank will deduct the divided principal along with the accrued interest, monthly.

Bisayo is a graduate of the Federal Polytechnic Ilaro, she studied Accountancy and writes articles on finance, banking and entrepreneurship for Nigerians.

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Banking

Sterling Bank Transfer Code on Phone (USSD)

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Sterling Bank Transfer Code 2020 to other banks.

Hello there! Welcome to Financial Expert NG. Here, we will enlighten you on the topic above. After reading this, all you will need to do is just to proceed on your own. The guide is enough to teach you everything you should know about the topic.

Are you a new or an existing Sterling Bank Customer? If yes, this post is for you. We make a lot of financial activities or transactions everyday and of course, sending money is one of them. We buy goods, use services, pay bills etc. Name them. Each and everyone of it requires money. And that is why we need to make transfers.

Going to bank for deposits should never be an option for you after reading this article. Who does that in this century? Except you have cash at hand and need to deposit it. This is why banks have introduced USSD banking to their customers to enable them transfer funds to any bank making use of their mobile phone and network.

With the USSD banking, funds transfers are done within a snap. All you have to do is to dial a short code on your phone and you are good to go. It is called a transfer code. Now, You might be wondering what the Sterling Bank Transfer Code is. Not to worry, that was why this article was written in the first place.

In the next paragraph, we will reveal to you what the Sterling Bank Transfer code is and of course how to use the code to wire funds to any bank account in Nigeria. The destination bank can be a commercial bank, or even a microfinance bank. As long as it is registered as a Financial Institution by the Central Bank of Nigeria.

What is the Sterling Bank Transfer Code?

The Sterling bank transfer code is *822*Amount*AccountNo#. You can use this code to transfer money to other banks like Access Bank PLC, First Bank Nigeria, Guaranty Tesut Bank, Fidelity Bank, United Bank of Africa, to mention a few. Also, you can transfer funds from your Sterling Bank Account to another Sterling Bank Account in Nigeria.

Sterling Bank Transfer Code 2020

You would have noticed that the country ‘Nigeria’ has been mentioned repeatedly in the preceding paragraph. This is to signify that you cannot use this code to transfer funds to bank accounts outside Nigeria. The code works only for Nigerian Bank Accounts.

The Sterling Bank Transfer Code is exclusive for use to only Sterling Bank customers. That is, if you are not a Sterling Bank Individual account holder, you will not be able to make use of this code. If you want to use the Sterling Bank Transfer Code and you do not own an coount with the bank, just walk directly into a Sterling bank branch to open a new account or dial *822# on your phone to begin. Take note of this.

How do I authorise my Transfers with the Sterling Bank Transfer Code?

The Sterling Bank USSD service is very secure and does not permit fraudulent activities on its system. Therefore, every user will have to authorise his or her transfers with a PIN. Without this PIN, you will not be able to make any transfer via the USSD banking, because you will be asked to provide it at the point of confirmation. Entering a wrong PIN will make the transaction invalid.

So, you have to create your own Sterling Bank USSD banking PIN. It is a 4 digit number. I will be showing you how to create your own USSD banking PIN in two easy steps. Check the next line.

  • Using the phone number registered with your Sterling Bank Account, dial *822*1*NUBAN#.
  • Follow the on-screen prompts.

If you do not want to make use of this method, you can just dial *822#. You will be required to create a 4 digit PIN on your first transaction. Kindly use a PIN, you will easily remember for future purposes. It is not a One Time Password/PIN (PIN).

How to use the Sterling Bank Transfer Code to wire funds in Nigeria.

To transfer funds to Nigerian Bank accounts, follow the procedure below;

  • Making use of the phone number registered with your Sterling Bank account, simply dial *822*amount*AccountNo#.
  • You will be required to select the destination bank in the next page, Choose the bank you are sending the funds to.
  • Enter your 4 digit PIN.
  • If you do no tlike this procedure, dial *822# , select “Transfers” and follow the on-screen prompts.

Frequently Asked Questions on the Sterling Bank Transfer Code

What is the daily Transfer limit on the USSD service?

The daily transaction limit on the *822# banking service is a cumulative sum of hundred thousand naira N100,000. The limit on a single transfer is N20,000.

Do I need airtime on my phone to make use of this service?

Unlike other banks which require you have an airtime balance of N10 to use the USSD banking, Sterling Bank does not require that at all. You can perform your transfers with an airtime balance of N0.

I made a Transfer with the *822# code, but it failed and I was debited, please help! What do I do?

Don’t panic if this happens. It is just a system error and will be reversed in 24 hours time. However, if you are not credited within this period, call the contact centre on 07008220000. You can also send a mail to customercare@sterling.ng

What are the charges for Inter and Intra Bank Transfer

For intra-bank transfers, the charges are N21 (VAT included), per transfer. That is, if you are sending to other Sterling Bank customers, you will be charged N21 for each transfer. On the other hand, if you are transferring to other banks (inter-bank), you will be charged N52.50 (VAT included).

I misplaced my phone containing my number registered on the USSD banking, what should I do?

If this has happened to you, call the Sterling bank contact centre immediately on 07008220000 or quickly go to a branch nearest to you. The bank will freeze the USSD service on your account pending the time, your phone number is changed or retrieved.

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Banking

Access Bank Account Balance Code & App Methods 2020

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How to check Access Bank Account Balance.

Are you an Access Bank Customer and you need help in checking your account balance? Don’t be worried, this article will show you how you can check it using different channels. We will be showing you different methods so, if one doesn’t work for you, you can easily use another one. In fact, most of the methods that will be shown to you will only require your mobile phone. And some, will require you move out of your house.

This guide will help new Access Bank Customers who have no idea about the above topic and will need help from legit and verified sources. We won’t waste your time at all, We will go straight to why you are here. Let’s dive right in!

Channels for checking my Access Bank Account balance

We have discovered 3 major channels with which you can check your account balance. Some of these channels will require a fee from your account. We will specify which one of them belongs to this category.

  1. USSD Method.
  2. Mobile App Method.
  3. ATM/POS Method.

1. USSD Method.

This method is still one of the easiest ways to check your account balance. Reason being that, all you will need is your mobile phone and the mobile number which is linked to your Access Bank Account.

Just like the name implies, the USSD method will only be carried out by initiating a USSD session. How does that work? Just dial a short code on your phone. Continue reading to know what this code is and how to go about it. Follow the procedure below;

  • Using the phone number registered with your Access Bank Account, dial the short code *901#.
  • Enter option 1, which is “Check Account Balance”
  • If you have more than one account with the bank, select which of the accounts balance you want to check.
  • A message will be sent to you via SMS containing your account balance. Kindly note that a fee of N10 will be charged from your bank account.

Have it at the back of your mind that you have to register for the *901# banking before you will be able to Check your account balance via this channel. Enrol for the *901# quick banking is very easy. Only a few steps will be taken.

Access bank account balance codes

Firstly, dial *901# on the phone number registered with your Access Bank Account. Then select option 4 which is “Other Services”. It will take you to another page on the screen. Enter option 5; Reset PIN. You will be required to input the PIN you want to be using. It must be a 4 digit PIN. Then follow the on-screen prompts.

If you have already created this PIN before, you don’t have to go through this process again.

2. Mobile App Method.

This is still the easiest, fastest and costless way to check your account balance as long as you have a stable internet connection. It is costless because, unlike the USSD method,no fee will be charged from your account. That is, it is free!

To use this channel, you will visit the Google play store or iOS app store tto download the Access Bank Mobile App. Thereafter, you will login to your account making use of your registered email and phone number. You will also be required to create a password.

After successfully creating a mobile account, log in to your account with the User ID/Username. If you already have the app, then you do not need to do this anymore, just follow the process below to check your account balance.

  • Open the Access mobile App on your phone.
  • Sign in to your account with your User ID and password or with your biometrics(fingerprint).
  • Your account balance will be on your dashboard.

3. ATM/POS Method.

The aforementioned methods should be easier thank this new moths I will introduce. This is because for this method, you have to step out of your home and you do not even need your phone.

If you are using the ATM method, you will find the closest ATM outlet to you and go there with your Access bank debit card. Then, insert the card and enter your PIN. Follow the on-screen prompts to check account balance.

On the other hand, if you prefer the POS method, just go to a POS centre, and and tell the attendant that you want to check your account balance. He/she will ask for your ATM card and will offer you the service. Kindly note that the charges will be determined by the POS centre.

Frequently Asked Questions on How to Check Access Bank Account Balance

I tried to check my account balance with the USSD method, but I received a message “Unable to fetch account Details”, what should I do?

When you receive this message, two things could be the problem. One of them is when you Don’t have a strong network signal or the bank’s network is poor at the moment. Just wait for a while before you try checking again.

On the other hand, having an insufficient balance could also cause this. You should know by now that checking your account balance via USSD costs N10, so if you have less than N10 in your account, you will surely get this error message.

I used the 3 methods to check, but it didn’t go through, what could be the problem?

It is very uncommon to encounter this kind of problem. So if you have it, the best option will be to go to an Access Bank branch closest to you and complain to a customer care representative. The issue should be solved within a few minutes or days.

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Banking

Fidelity Bank Transfer Code 2020 USSD [Updated Guide]

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Fidelity Bank Transfer Code for sending money in Nigeria.

Are you a Fidelity Bank customer and you need to make a quick fund transfer to a third party for payment of bills, service fees and so on but do not have the time and patience to go to the bank for queuing? Technology has made everything simple and easy and has also improved the banking system.

Reasons for going to banks and standing in long queues have now been reduced to it’s barest minimum, and customers now go to bank for just a few reasons. Both inter and intra Bank transfers have now been removed from the list and the transactions can now be performed on the internet.

So, if you are reading this, you are definitely a Fidelity bank customer and do not know the code for transferring funds. However, knowing the code for transferring funds is one thing and knowing how to use it is another thing. To bridge this gap, we will show you how to use the Fidelity bank transfer code to wire funds instantly online.

Before we proceed, kindly take note that every information contained in this post is strictly for aspiring or current Fidelity Bank customers. You can as well read through even if you are not a customer, because no knowledge is wasted anyways. A friend of yours could need it anytime, and all you will have to do is to tell the code instantly because you already have it at your fingertips.

Without wasting much time, let us see what the Fidelity Bank Transfer code is and in addition, how to use the code to transfer funds to any bank account in Nigeria.

What is the Fidelity Bank Transfer Code?

The Fidelity bank transfer code to wire funds to any bank account is *770*account no*amount#. This code works for any wired transfer within Nigeria. It could be used to transfer funds to same bank account or to a different bank account. As expected, there are charges attracted to different kind of transfers.

Fidelity Bank Transfer Code

This process is as fast as the speed of light and takes approximately 10-20 seconds. The service is available 24 hours a day and throughout the week even on weekends. It is still the most convenient and easy means of transferring funds.

How to use *770# for funds transfer (Inter And Intra Bank)

Irrespective of the recipient’s bank, you can use the *770# to transfer funds easily. The destination bank could either be Fidelity Bank or another Nigerian bank. The process is very short and easy. In fact, I will be showing you how you can do it in few seconds. It will be a step-by-step guide.

  1. Dial *770*account no*amount# on the phone number tied to your Fidelity Bank account.
  2. Select the destination bank account.
  3. Enter your 4 digit PIN to authenticate the transaction.
  4. You will receive a debit alert within few seconds to confirm the success of the transaction.

You might be wondering what a 4 digit PIN is. No problem, I will tell you all you need to know about the PIN. The PIN is used to authenticate every transaction you perform on the *770# service.

That is, you have to create this PIN by yourself in order to complete your 770 transactions on the go. If you have not created your 4 digit PIN, dial *770# to create one now.

Frequently Asked Questions (FAQs) on Fidelity Bank Transfer Code.

I forgot my *770# PIN, how can I recover it?

If you have forgotten your PIN, then you won’t be able to validate any transaction on the service anymore. But do not worry, you can create a new PIN within few minutes. The process is very fast. Just dial *770# , click RESET PIN, and follow the on-screen prompts.

What is the cumulative daily transaction limit on the service?

The cumulative daily transaction limit on the *770# service is N100,000. This means that you can transact as high as the amount stated above in a day. If by any way, you reach this point, every other transaction you try to make via the service won’t be successful.

Who are those eligible to use the *770# service?

Not everyone is eligible to use this service. Only Fidelity Bank Individual Account holders can use this service. So, if you don’t belong to this class, and you wish to transfer funds with the Fidelity Bank Transfer code, then you should go ahead open an account now.

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