You can download the V bank App by visiting your device app store, Google Play store for Android devices or App Store for iOS devices. Once there, search for V Bank then download and install same on your device.

You can register on the V bank App by following the steps below:

• Download the V bank App from your device app store
• Open the app and click on Create Account
• Enter your Phone Number, Date of Birth, Referral Code (optional) and click on continue
• Take a clear selfie of your face and click on Use This Image
• Select how you want to register ie. With your BVN (Bank Verification Number) or your other bank account number and click Continue
• Enter the OTP (One Time Passcode) sent to your registered phone number as SMS on the space provided and click Continue
• Enter your valid Email Address (this will be your login username) and set up your Password (twice)
• Create your 4-digit V bank PIN for transactions authorization and add your signature
• Scan your valid ID if you have this or select I’ll do this later if you don’t have it with you
• Enter your Redeem Code if you have one or Skip if you don’t
  Your account opening and registration on the V Bank App is complete and your new account number will be sent to your email and a text message to your mobile number. You can now login to your V Bank App to start doing better with V!

No. You can only have the V Bank App active on a single device at a time

•  Recent utility bill i.e. waste management, electricity, water bills.
• Statement of account from other banks bearing your address.
• Land use charge.
• Rent receipt or service charge receipt that has been verified.
•  

you can follow the steps below to move your V Bank App to your new device

• Login with your existing username and password on the new device
• The app will notice this is a new device and ask you if you want to switch your device
• Select Yes and enter your 4-digit V Bank PIN
• Enter the OTP (one time passcode) sent to your registered phone number
• The switch is now complete and you can now login in with your credentials on the new device

Please note that your profile will be disabled on the old device once you successfully complete this process

You can reset your password from the V Bank login page by following the steps below

• Click on Forgot Password
• Take a clear selfie of your face
• Enter your V Bank email and submit
• Enter the default password sent to your email as the Old Password
• Enter the new password (twice) and submit
• Login to the app with your new password

Yes. On the login page, click Contact Us and select your preferred option

• Chat with a customer experience representative: this allows you have a live chat with one of our agents. Just say Hi and someone will attend to you
• Call us: this allows you dial our customer experience center number to speak to an agent

On the app login page, click Contact Us and select Get on WhatsApp Banking. The app will automatically open the V Bank WhatsApp banking page on your app so you can carry out your transactions

You can login by providing your username and password on the login page of the V Bank App. You can also login using your biometrics (face or thumbprint) if this is compatible and enabled on your device.

you can fund your V Bank Account using any of these 4 ways below:

1. USSD

• Login to the V bank app
• Select Fund Account
• Click on USSD and select the account you want to fund
• Select the bank, input amount and click continue
• Dial the USSD code displayed on your app and input your bank authorization

2. Debit Card

• Login to the V bank app
• Select Fund Account
• Click on fund with Debit Card
• Select the funding source ie. New Card or Saved Card
• If new card, select account you want to fund, input amount and follow the steps
• If saved card, select account to fund, card to fund from (f you have more than one card saved), input amount and follow the steps
• Your account will be automatically funded once you complete the process

3. Transfer from Another Bank

• Login to the V bank app
• Select Fund Account
• Click on Transfer from another bank
• Select account you want to fund (if you have more than one account on the app) and click continue
• Copy your account number displayed and paste in your other bank app to complete the transfer

4. Cash Deposit from Other Banks

• Walk into any bank branch and complete the e-bills cash deposit form
• Approach the bank cashier to process the payment
• Collect your deposit receipt once done
• The funds will automatically reflect in your V Bank account

You can perform the following transactions on the V Bank App:

• Fund V bank Account
• Invest
  – Open a target savings account
  – Open a fixed deposit account
  – Open a joint/shared account
  – Request a loan
• Funds Transfer (within and outside of V Bank)
• Pay Bills
• Mobile Top Up (Airtime and Data)
• Cardless Withdrawal and nearest ATMs
• Invite/Redeem
• Recurring Transactions
• QR Code
• Advanced Budgeting
• Card Request and Management (Physical and Virtual cards)

You can perform these additional services on the V Bank App:

• Profile image management
• View my BVN
• Become a Veelager
• Biometric login management
• Update KYC level
• Account preference Management
• Add Signature
• PIN and Password management
• Share my referra =l ID
• Personal updates
• Contact us

A Target Savings account is an automated account that allows you to save in bits at regular intervals while also getting paid interest on your savings. All you need to do is set it up and the app takes over the process.

You can open a target Savings account by following the steps below:

• Login to your V bank App
• Select Invest now and click Open a target Savings Account
• Complete the required details including the amount, start date, end date and frequency
• Select on continue and authorize with your 4-digit PIN to complete the process

You will be paid 6% per annum on your Target Savings account and interest is paid monthly. However please note that this is subject to review based on market realities.

Yes. You can do all the above by following the simple steps below:

• Login to your V Bank App
• Click on Create or Select an Account to see all your account
• Select the Target Savings account you want to liquidate and click on the 3 dots on the top right of your screen
• Select Partial or Full liquidation
• Select the option you want and authorize with your 4-digit PIN

A Fixed Deposit account allows you to save for a period while giving you competitive interest rates on your savings. While the minimum saving period is 30 days, you can choose to save for 30, 60, 90, 180, 360-day intervals

You can open a Fixed Deposit Account by following the steps below?

• Login to your V bank App
• Select Invest now and click Open Fixed Deposit Account
• Complete the required details including the amount and duration
• Select on continue and to view the maturity details and interest to be received
• Authorize with your 4-digit PIN to complete the process

Yes. You can earn as high as 12% interest on your fixed deposit account. However, please note this is subject to review based on market realities

Yes. You can perform all of the above by following the steps below

• Login to your V Bank App
• Click on Create or Select an Account to see all your account
• Select the Fixed Deposit account you want to liquidate and click on the 3 dots on the top right of your screen
• Select Partial or Full liquidation
• Select the option you want and authorize with your 4-digit PIN

A joint account allows you to invite up to 5 of your family and/or friends to participate in the V bank joint account. Once set up, everyone will have equal access to the account which include ability to view, credit or debit the account.

You can set up the joint account by following the steps below:

• Login to the V Bank App
• Select Invest Now and click on Open a Shared/Joint Account
• State the desired account name and input the phone numbers/emails of people you want to invite
• Review the invitee details, authorize with your PIN and submit
• The invitees will all get an SMS/email depending on how they were invited
• New users can click the link in the SMS/email to download the V Bank account and open an account. They can then accept the invite on after they login to the app
• Existing users only need to login to their V bank to accept the invite on the top right coner of their screen

To request for a loan, follow the steps below

• Login to your V Bank App
• Select Invest Now and click Request for a Loan
• Fill in the details; loan title, amount, tenor, duration and any other comment
• Click on confirm and authorize with your 4 digit PIN
  • Someone will reach out to you to finalize the process

the Funds Transfer feature allows you to transfer funds to

• Your other V bank account (if you have more than one V Bank account)
• Other accounts within VFD MFB
• Accounts in other banks

You can perform a funds transfer by following the steps below:

• Login to your V Bank App
• Select Payments and click on Make a Transfer
• Select the type of transfer you wish to make ie. Own Accounts or Other People
• Select the debit account, input the beneficiary account, add category, a personal note and click on continue
• You can also choose to transfer to an already saved beneficiary from the list and up to 5 people at once
• Verify your transaction details and authorize with your 4-digit PIN

you can transfer funds to up to 5 beneficiaries at once. Simply click Add Another Beneficiary as part of the transfer process and input the additional beneficiary details to proceed.

Yes you can.

At the end of your transactions, simply select Share the Payment and you will be able to share the transaction receipt over email or social media. This is available for all transfer transactions

Yes you can. Just follow the steps below

• Login to your V Bank App
• Select Create or Select an Account and select the account you performed the transaction from
• Scroll your transactions details till you see the particular transaction or you can also search using keywords
• Click on the particular transaction and select the share button on the top right side of your screen to share
• This is available to all transaction types

you can set up your recurring transaction following the steps below

• At the end of your transaction, select Save as Recurring Transaction
• Complete the details and clicks on Create Recurring Transaction
• Review details and authorize with your 4-digit PIN

You can follow the steps below to view or cancel your recurring transaction

• Login to your V Bank App
• Select Payments and click on Recurring Transactions
• Select the particular transaction from either Bills payments or Transfer to view the details
• Swipe the particular transaction to the left to reveal to delete button
• Click on the Delete button to remove the recurring transaction

This feature allows you to pay all your bills from one app. You can pay bills like Cable TV, Electricity, Internet Subscription and other utilities

Follow the steps below to pay your bills

• Login to the V Bank App
• Select Payments and click Pay Bills
• Select the Biller Category, biller type and biller package/product
• Input your account number with the biller, review transaction details and authorize with your 4-digit PIN

Mobile Top-up allows you to recharge your mobile airtime or data for any mobile network directly from your account

You can carry out mobile top up by following the steps below

• Login to the V Bank App
• Select Mobile Top-up
• Select the type of top-up ie. Airtime or data
• Select the debit account and airtime provider (or select Not Sure if you don’t know the provider
• Input beneficiary mobile number (this can also be selected from your phone book by clicking the phone book icon) or select Own Number if you are recharging for yourself
• Input the amount (for airtime) or select the data bundle for mobile data, click on continue, review the transaction details and authorize with your PIN

Cardless withdrawal feature allows you to withdraw cash from any bank ATM without the need to use your debit card. It generates a unique code that you can use or give a 3rd party for cash withdrawal from the ATM.

This feature also allows you to find the closest ATM to your location so you can walk down to utiliza the withdrawal code
You can use this feature by following the steps below

• Login to your V Bank App
• Select Payments and click on Cardless Withdrawal
• Select Withdraw Cash and complete the details ie. Debit account, withdrawal amount and one time withdrawal PIN
• Click continue to review the transaction details and authorize with your 4-digit PIN
• Once completed, your withdrawal details will be displayed on your app and also sent to you as SMS

Please note that the code is valid for 24 hours and can only be used once.

At the ATM, follow the steps below to withdraw your cash

• Select Cardless Withdrawal or Paycode from the ATM
• Input the onetime withdrawal code, withdrawal amount and your onetime withdrawal PIN in the spaces provided
• The ATM will be dispense to you

this feature allows you to locate the ATMs closest to your location on a map to enable you trace your path to the ATM. Please note that for this to work, the Location service on your device must be enabled.

To use this feature, please follow the steps below

• login to your V Bank App
• select Cardless Withdrawals and click Nearest ATM Locations
• the ATM will display all the ATMs closest to you and you can zoom the map to follow the direction to locate any ATM

The invite/redeem feature allows you to send a cash reward to anyone via email or phone number and by sharing a code which the beneficiary can redeem on the V Bank App.

The Redeem feature allows the beneficiary to get the cash reward attached to the code.

You can send an invite by following the steps below

• login to your V Bank App and select Payments
• Select Invite/redeem and complete the details ie. Debit account, amount, beneficiary phone number or email and a special note
• You can send this invite to up to 10 beneficiaries at once by clicking Add Another Account Holder button
• Click continue, review the transactions details and authorize with your 4 to complete
• Once done, the beneficiaries will receive emails or SMS with their unique codes that can be redeemed

The beneficiary can redeem the code by following the steps below:

• If a new user, click on the link in the SMS/email received to download the V Bank App and open an account
• If an existing user, login to the V bank app and select Payments
• Select Invite/redeem and click Redeem
• Select the account to credit and enter the code received
• Review the transaction details and authorize using your 4-digit PIN
• Your account will instantly be credited with the funds

The Proximity payment feature enables you to send or receive funds from users who are close by without the need to exchange account numbers. It’s a quick and effective way to send or receive funds without the need to share account details.

You can use this feature by following the steps below:

• Login to the V Bank App, select Payment and click on Proximity Payments
• Select Start Searching and the available beneficiaries will be displayed on your app
• Select the preferred beneficiary, input amount and authorize with your V bank PIN
• Beneficiary account will be credited

Beneficiary can follow these steps below to receive payments:

• Login to the V Bank App, select Payment and click Proximity payments
• Select received and wait for the sender to find you and complete the payment
• Once sender completes the transfer, your app will update with a Payment received notification

The QR code feature allows you to make or receive payment from anyone without the need to share your account details. It gives you the added security of not having to share your account details and payment is instantly completed

You can follow the steps below to make a payment using QR Code

• Login to the V Bank App, select Payment and click on QR Code
• Select scan QR Code to scan the beneficiaries code or select the QR code from your phone gallery to scan
• Verify he beneficiary details, input amount and authorize with your 4-digit PIN
• Beneficiary gets instant value

For the beneficiary, please follow the steps below to receive payments using QR Code

• Login to the V Bank App, select Payment and click on QR Code
• Select scan My QR-Codes, account to credit and click Generate QR
• Let the sender scan the code displayed on your app or share to the sender to compete the payment
• You will receive credit alert once sender completes the payment

This feature gives you details regarding the page you are on the app and what you can do on the page. It is your knowledge base for quick access to information on the V Bank App.

The Card feature is your one stop shop to perform all actions related to your debit card. You can

• Request for a new card (physical or virtual)
• Activate your new physical card
• Reset your card PIN
• Change your Card PIN
• Block or unblock your debit card
• View your card details
• And manage other bank cards

you can request for a new physical or virtual card by following the steps below

• Login to the V Bank App and select cards
• Click on Request New on the top right side of your screen, select the card type ie. Physical or virtual and select the account you want the card to be linked to
• If Virtual card, click on the request New Card, authorize with you 4-digit PIN and the card will instantly be displayed on your app
• If Physical Card, complete your address form, click on Request New Card and authorize with your PIN
• You will be contacted for delivery once your card is ready

A Virtual Card is a debit card that is not printed on the card plastic. It has all the details of a physical card and can be used for online payments where having the physical card is not a requirement.

Once requested on the V Bank App, the card image with all the details will be displayed on your V Bank App.

Follow the steps below to activate your new physical card

• Login to the V bank App
• Select Cards and click on Physical
• Click on Activate Physical Card and provide all the requested card details. You can also scan the card image by clicking on the scan image on the top right side of the screen to automatically pick card details
• Once done, click on Activate Card and authorize with your 4-digit V bank PIN to complete the process

Follow the steps below to reset you card PIN

• Login to the V Bank App, select Cards and select the card type you want to reset the PIN ie. Physical or Virtual
• Select the card you want to reset the PIN and click Forgot Card Details
• Input the new PIN you want to be using and authorize with your 4-digit V bank PIN

Follow the steps below to change your card PIN

• Login to the V Bank App, select Cards and select the card type you want to change the PIN ie. Physical or Virtual
• Select the card you want to change the PIN and click Change Card PIN
• Enter your old card PIN and set up a new card PIN (twice)
• Authorize with your 4-digit V Bank Pin to complete the process

You can block you debit card by following the steps below

• Login to the V Bank App, select Cards and select the card type you want to block ie. Physical or Virtual
• Select the card you want to block and click Block Card
• Select the reason for card block, click on Block Card and authorize with your 4-digit PIN

Follow the steps below to unblock your debit card

• Login to the V Bank App, select Cards and select the card type you want to unblock ie. Physical or Virtual
• Select the card you want to unblock and click Unblock Card
• Select the reason for card unblock, click on Unblock Card and authorize with your 4-digit PIN

You can view your card details by following the steps below

• Login to the V Bank App, select Cards and select the card type you want to view the details ie. Physical or Virtual
• Select the card you want to view details of and click Show Card Details
• Authorize with your V Bank 4-digit Pin and card details will be displayed

You can delete other bak cards on your V bank App by following the steps below

• Login to the V Bank App, select Cards and select Others
• Click on the 3 dots on the top right side of the card you want to delete
• Select Delete to remove the card

The analytics functions allows you to perform three basic activities

• To see an overview of the inflow and outflow from your account within a particular period
• To see your budget categories, the limits and how well you are complying
• To add new spend budgets that help you manage your spending

You can do this by following the steps below

• Login to your V Bank App and select Analytics
• Select the account you want to see an overview for and set the time frame ie. From and To
• The app will display an overview for you for this period

You can see this by following the steps below

• Login to your V Bank App and select Categories
• Select the date range you want to view the performance for ie. From and To
• Your categories, budgets and spend will be displayed for your review

This feature allows you to set up a new budget that enables you track your spending on the V Bank app for a particular account and for a time range. You can set up a new budget by following the steps below

• Login to your V Bank App, select the month you want to set up the budget for and click Add new budget
• Enter the remarks, input budget amount, select budget category and click on continue
• Review the budget details and authorize with your V Bank PIN
• Once completed, you will see the budget option to select when next you initiate a transaction

you can view your BVN (Bank Verification Number) using the steps below

• Login to the V Bank App and select your profile image on the top right side of your screen
• Click on View My BVN to display it

Biometric login is a feature that enables you to login to your V Bank App using your Fingerprint or your Face. This saves you the stress of having to enter your password each time you want o login to the V Bank App. Please note that this needs to first be available on your device and enabled before it can work on the V Bank App

You can enable/disable this using the following steps

• Login to the V Bank App
• Login to the V Bank App and select your profile image on the top right side of your screen
• Check the On/Off button beside biometric login to enable or disable this feature
• If enabled, you will be prompted to login with your Fingerprint or Face when next you try to access the V Bank App

KYC (Know your customer) levels shows the level of details you have provided to the bank which also determines the amount of transactions you will be able to perform on the App. Please note that this is determined by regulation and is broken down into 3 on the V Bank App with the transaction’s limits below:

You can view and update your KYC limits by following the steps below:

• Login to your V Bank App and select your Profile Image on the top right side of your screen
• Select Update KYC Level and your current level will be displayed
• Slide to the right to see the higher level and outstanding documents you need to upload to attain that level
• Select each outstanding document and scan the image. You can also enter the details for the document if you don’t want to scan
• Once done, your profile will be upgraded in a short while

you can change/update your profile image by following the steps below

• Login to the V Bank App and select your Profile Image on the top right side of your screen
• Click on your image or the circular image on the top center of your screen
• Choose how you want to update the image ie. By taking a selfie or selecting an image from your gallery
• Once done, your profile image will be updated on the app

Account preference management enables you manage how you want to interact with your V Bank App. You can manage the following details under this feature

• Set how you want the bank to notify you for your transactions ie. Debit or Credit alerts
• Set how frequent you want the bank to send you your account statement
• Adjust your transaction limits within the allowable ranges for your KYC level
• Turn on/off the accounts you want to see when you login to your V Bank App

This feature enables you set how you want the bank to send you transaction related notifications. ie. Credit and Debit Alerts. You have 3 options and can select one or all the options listed below

• SMS: this delivers to your registered phone numbers as a short message and telco related charges may apply
• Email: this delivers to you registered email address and comes at no cost
• Push: this delivers to your V Bank App as a short message and comes at no cost

You can set this up by following the steps below

• Login to your V Bank App and select your Profile Image on the top right side of your screen
• Click on Account Preference Management and select Transaction Notification Preference
• Check/uncheck the options based on your preference and click on Save
• Once done, the V Bank App will start notifying you based on your set preference

You can set this by following the steps below

• Login to your V Bank App and select your Profile Image on the top right side of your screen
• Click on Account Preference Management and select the Statement Frequency drop down list
• Select your preferred option from the list ie. Weekly, Monthly, Quarterly or Annually and click on Save

You can adjust your transaction limit by following the steps below

• Login to your V Bank App and select your Profile Image on the top right side of your screen
• Click on Account Preference Management and select the Statement Frequency drop down list
• Slide the Limit Bar left or right to decrease or increase your transactions limit
• Once done, click on Confirm to save your new limit

You can set this by following the steps below

• Login to your V Bank App and select your Profile Image on the top right side of your screen
• Click on Account Preference Management and select the Statement Frequency drop down list
• Scroll down and turn on/off the account you want to see or not see when you login to the app
• Once done, only the accounts turned on will show when you login to the V Bank App

You can add your signature by following the steps below

• Login to your V Bank App and select your Profile Image on the top right side of your screen
• Click on Add Signature and sign within the box displayed on your phone screen
• Once done, click on Add to save your signature

You can change your PIN or Password on the V Bank App by following the steps below

• Login to your V Bank App and select your Profile Image on the top right side of your screen
• Select PIN and Password and select the action you want to perform ie. Change PIN or Change Password
• If Change PIN, enter your old PIN and set up your new PIN (twice)
• If Change Password, enter your old password and set up your new Password (twice)

Follow the steps below to Reset you PIN

• Login to your V Bank App and select your Profile Image on the top right side of your screen
• Select PIN and Password and select Change PIN
• Click I forgot the PIN and take a clear selfie of your face
• Set up your new PIN (twice)

The Share my Referral ID feature allows you to share your Referral ID. You can follow the steps below to achieve this

• Login to your V Bank App and select your Profile Image on the top right side of your screen
• Select Share my Referal ID and input the details of the received ie. Phone number or email
• You can share to multiple receivers by clicking Add Another Account Holder
• Once done, click continue and authorize with you 4-digit V Bank PIN to share
• You can also share over social media by clicking the share icon on the top right side of your V Bank App

Please note that you can qualify to earn monthly incomes the more people register with your Referal Codes

Yes you can by following the steps below

• Login to your V Bank App and select your Profile Image on the top right side of your screen
• Select Personal Update and Select the particular update you want to provide ie. Next of Kin, Emergency Contact or Employment Details
• Complete the forms and click on Save Changes

You can do this by following the steps below

• Login to your V Bank App and select your Profile Image on the top right side of your screen
• Click on Become a Veelager and enter your login details to view your performance
• If a new user, click on Sign Up to register and be on your way to earning monthly incomes from V bank