How To Activate Zenith Bank ATM Card – 4 Easy Ways?


How to activate Zenith Bank ATM card? Received your Zenith Bank ATM card but not yet activated it? In this post, you will learn how to activate Zenith Bank ATM card.

Zenith Bank MasterCard and Visa debit cards give you 24/7 access to your account, whether it’s a checking or savings account.

It also allows you to make other virtual transactions such as POS, WEB, and ATM purchases from anywhere in the world.

How to activate Zenith Bank ATM card? There are four ways you can activate your Zenith Bank ATM card and all three are shown below.

In addition to the mobile app and online banking, you can activate the Zenith Bank ATM card through an ATM. Whether it’s a new card or a card used as a replacement, you can activate the card at this point via the ATM machine as well without your mobile banking or online account being involved.



Let’s start with the one you are most familiar with;

1. Visit a physical branch of Zenith bank

One of the easiest options for activating your Zenith Bank ATM card is to visit a Zenith Bank branch near you.

Application for your ATM card activation steps.

It’s very easy to activate, but if you can’t find a Zenith bank branch near you or want a more convenient way, read the next tip.

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2. How to activate Zenith Bank ATM card through an ATM Machine

If you have not activated your card within the bank or via the mobile banking app, there is another way out. That is to activate it through an ATM by following some steps below. In the meantime, this procedure will be substantial and functional when you receive the code from the Zenith bank staff. Get a card from Zenith bank customer service and get a code:

  1. Go to an ATM and insert your debit card.
  2. Choose to change your PIN.
  3. Enter the four-digit PIN that the bank gave you as the old PIN and then enter the PIN you want to use for authorization.
  4. Confirm this after completing the verification.

Try the card now by using it to check your balance or withdraw money with the PIN you just entered into the machine.

In addition to activating the card through an ATM, the staff will help you activate it in the banking room.

3. Activate your Zenith Bank ATM card using the mobile app

If you are looking for a less stressful way to activate your ATM card, you can choose to use the Zenith Bank mobile app.

With the Zenith mobile app, you can easily bank with a one-time password. This option is more comfortable and can be done anywhere in the world.

Before you can use the mobile app, however, you must register. Below is a step-by-step guide to help you sign up and get started with the Zenith mobile app.


Log in with a hardware token

One of the ways to sign up for the Zenith Bank mobile app is with a hardware token. Follow the steps below to register with a hardware token;

  1. Step 1 – Download and install the app from Google Play or the app store
  2. Step 2: Enter your account number and continue
  3. Step 3 – Create and confirm your 6-digit password, then create and confirm your 4-digit mobile PIN.
  4. Step 4 – Click submit and start banking with ease.
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Sign up for OTP

Logging in to OTP is another way to log in to your Zenith Bank mobile app.

  1. Step 1 – Download and install the app from Google Play or the app store
  2. Step 2: Enter your account number and continue
  3. Step 3: Select OTP
  4. Step 4 – Create and confirm your six-digit password and then create and confirm your four-digit mobile PIN.
  5. Step 5: Click Submit. Enter the OTP received by SMS

Note: The OTP will only be sent to the phone number registered with your Zenith account.

Now that your mobile app is registered, you can now activate your Zenith Bank ATM card by following the steps below;

How to activate Zenith Bank ATM card with a mobile app

  • Step 1: Log in to the Zenith mobile app with your ‘account number’ and ‘password’
  • Step 2: Select the map and check the option in the side menu
  • Step 3: Select Activate Card
  • Step 4: Enter and confirm your PIN code

After this, your ATM card will be activated.

4. Activate your Zenith Bank ATM card with Zenith Internet Banking

You can also activate your ATM with Zenith Internet Banking. With internet banking, you can bank 24 hours a day, 7 days a week.

Follow the steps before activating your ATM card;

  1. Step 1: Log in to Zenith Online Banking with your ‘account number’ and ‘pin/token’ or ‘account number’ and ‘password’
  2. Step 2: Click on the map menu on the left
  3. Step 3: Select enable or disable map from the drop-down menu
  4. Step 4: Enter and confirm your PIN code
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It’s that simple.

Zenith Bank ATM Card Usage

What are the Importance and Uses of Zenith Bank ATM Cards? Check the map used to find out everything you missed.

  • Ability to check your balance at the nearest cash register or ATM.
  • You cannot activate the Online Banking, Internet Banking, or Mobile Banking App without the Zenith Bank Debit Card.
  • Be a holder to make trades even on weekends.
  • Use it to withdraw money from any ATM, but withdrawals from other banks will incur a fee once made more than three times a month.
  • Top up airtime, DStv, GOtv, nepa bill, electricity bills, and other utility bills with your card.
  • Track your transactions and view your eStatement with the card.
  • Did you also know that you can make transfers and other banking services via POS with your debit card? Everything is possible and even faster with a debit card.

Have you seen why you should and should activate the card if you already have it? Complete these steps quickly.

Conclusion – How to activate Zenith Bank ATM card

It is a very simple process if all the steps described are kindly followed. Zenith Bank PLC has simplified the steps for the convenience of all customers, thus providing a simple and pleasant banking environment for everyone.

Zenith Bank is the only bank I know of that has been able to implement this process for customers who want to re-charge their credit and debit cards or replace a lost or damaged card.

This how to activate Zenith Bank ATM card process saves many customers the hassle of standing in line, tiredly waiting for their turn to use the bank’s on-site ATM to activate a card. Now they can do it easily from the comfort of their room.