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:

1. Download the V Bank app from your device app store.
2. Open the app and click on Create Account.
3. Enter your Phone Number, Date of Birth, Referral Code (optional) and click on continue.
4. Take a clear selfie of your face and click on Use This Image.
5. Select how you want to register, either with your BVN (Bank Verification Number) or any other bank account number and click Continue.
6. Enter the OTP (One Time Passcode) sent to your registered phone number as SMS on the space provided and click Continue.
7. Enter your valid Email Address (this will be your login username) and set up your Password and confirm same (twice).
8. Create your 4-digit V Bank PIN for transactions authorization and add your signature.
9. Scan your valid ID if you have this during onboarding or select I’ll do this later if you do not have it with you.
10. Enter your Redeem Code if you have one or Skip if you don’t.

Note: If you don’t get OTP code delivered to your registered phone number, simply dial the USSD string (*5037*9*4#) displayed on the input OTP page.

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 banking better with V!

1. Below are the charges related to using your V Bank App

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 a new device

1. Login with your existing username and password on the new device.
2. The app will notice it is a new device and ask you if you want to switch your device.
3. Select Yes.
4. The liveness check will kick in and you will be required to take a picture of your face as proof of life/account owner verification.
5. Tap on “Use this photo” after you have taken the snapshot.
6. Tap on Send photo.
7. Enter your 4-digit Transaction PIN.
8. The switch is now complete, and you can now log 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 on the V Bank login page by following these steps.

1. Click on Forgot Password.
2. Take a clear selfie of your face – in a well-lit environment.
3. Enter your username, (registered email address) and submit.
4. Enter the default password sent to your email as the Old Password.
5. Enter the new password and confirm (twice) and submit.

Login to the app with your new password.

Yes.

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

1. 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.
2. Call us – here you dial our Client 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.

1. USSD

a. Login to the V bank app.

b. Select Fund Account.

c. Click on USSD and select the account you want to fund.

d. Select the bank, input amount, and click continue.

e. Dial the USSD code displayed on your app and input your bank authorization.

2. Debit Card

a. Login to the V bank app.

b. Select Fund Account.

c. Click on fund with Debit Card.

d. Select the funding source i.e., New Card or Saved Card.

e. If new card, select account you want to fund, input amount, and follow the steps.

f. 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.

g. Your account will be automatically funded once you complete the process.

3. Transfer from Another Bank

a. Login to the V Bank app.

b. Select Fund account.

c. Click on Transfer from another bank.

d. Select account you want to fund (if you have more than one account on the app) and click continue.

e. Copy your account number displayed and paste in your other bank app to complete the transfer.

4. Cash Deposit at Other Banks

a. Walk into any bank branch and complete the e-bills cash deposit form.

b. Meet the bank cashier to process the payment.

c. Collect your deposit receipt once done.

d. The funds will reflect in your V Bank account.

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

1. Fund V Bank Account.
2. Invest.

• Open a target savings account.
• Open a fixed deposit account.
• Open a joint/shared account.
• Crew savings account.

3. Funds Transfer (within and outside of V Bank).
4. Pay Bills.
5. Mobile Top Up (Airtime and Data).
6. Cardless Withdrawal and nearest ATMs.
7. Invite/Redeem.
8. Recurring Transactions.
9. QR Code.
10. Advanced Budgeting.
11. Card Request and Management (Physical and Virtual cards).
12. Proximity Payments.
13. Health Checkup (Covid-19 test booking)
14. Raise Disputes
15. Send Bank Statement
16. Repeat Transactions
17. Transfer Again
18. E-Address Verification

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

1. Profile image management
2. View my BVN
3. Analytics
4. Become a Veelager
5. Biometric login management
6. Update KYC level
7. Account preference Management
8. Add Signature
9. PIN and Password management
10. Share my Referral ID
11. Personal updates
12. Contact us

This feature enables users to lock their Target Savings, Crew Banking or Fixed Deposit plans. When enabled, users will not be allowed pre-mature liquidation of their savings and investment plans and can only liquidate upon maturity of the plan.

*To enable Lock Savings on a Target Savings Plan:

– Login to the Vbank app

– Tap on “Invest Now” on your homepage

– Tap on Target Savings Account

– Fill in the fields appropriately

– Tap on “Lock this Savings”.

– Tap on “Continue”.

– On the pop disclaimer, tap on “I agree”.

– On the summary page, tap on “Continue”.

– Authorize with your biometrics or input your 4-digit

transaction PIN.

*To enable Lock Savings on Fixed Deposits:

– Login to the Vbank app

– Tap on “Invest Now” on your homepage

– Tap on Fixed Deposit Account

– Fill in the fields appropriately

– Tap on “Lock this Savings”.

– Tap on “Continue”.

– On the pop disclamer, tap on “I agree”.

– On the summary page, tap on “Continue”.

– Authorize with your biometrics or input your 4-digit

transaction PIN.

*To enable Lock Savings on a Crew Savings Plan:

– Login to the Vbank app

– Tap on “Invest Now” on your homepage

– Tap on Crew Savings

– Tap on “Create New” to create a new crew savings plan or

tap on “Join a Crew” to join an already existing plan.

– Select a theme

– For “Join a Crew”, tap on “Join this Plan”.

– Fill in the fields appropriately

– Tap on “Lock this Savings”.

– Tap on “Proceed”.

– On the pop-up disclaimer, tap on “I agree”.

– On the summary page, authorize with your biometrics or tap

on “Confirm” to authorize with your 4-digit PIN

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.
• Input 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 9% 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 All Accounts to see all your account.
• Select the Target Savings account you want to liquidate and click on Details at the right-hand side of the screen.
• Scroll up and select Partial or Full liquidation
• Select the option you want and authorize with your 4-digit PIN

Yes. You have two ways you can add funds to your existing Target Savings account as highlighted below:

1.Funds transfer from your other V Bank Accounts.

• Login to your V Bank App.
• Select Payments and click Make a Transfer (Own Accounts).
• Select the debit account.
• Under target account, select the Target Savings Account.
• Input amount, category, personal note and click Continue.
• Validate payment details and click Confirm to complete transaction.

2.Funds Transfer from Another Bank Account.

• Login to your V Bank App.
• Click on All Accounts to see a list of your accounts.
• Select the Target Savings Account and click on details at the right side of the highlighted bar.
• Select Add Funds and choose your preferred method (USSD/Debit Card/Transfer from another Bank.
• Follow the steps to complete the funding.

A Fixed Deposit account allows you to invest 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 30days at 10%, 60 days at 12%, 90 days at 13.5%,180 days at 15.5%, 360-days at 16.5% or 730 days at 20%.

You can open a Fixed Deposit Account by following these steps.

• 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
• Authorize with your 4-digit PIN to complete the process.

Yes. You can earn as high as 12.5% interest on your fixed deposit account (30days at 10%, 60 days at 12%, 90 days at 13.5%,180 days at 15.5%, or 360-days at 16.5%). However, please note this is subject to review based on market realities.

Yes. You can add funds to your existing Fixed Deposit account by following the steps below:

• Login to your V Bank App.
• Click on All Accounts to see a list of your accounts.
• Select the Fixed Deposit and choose the new deposit period from the dropdown list.
• Input amount, confirm and input your PIN to authorize the funding.
• Funds will be successfully added to your Fixed Deposit Account.

Yes. You can perform all 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 details at the right side of the highlighted bar.
• Select Partial or Full liquidation.
• Select the option you want and authorize with your 4-digit PIN.

The Vbank app enables customers with Fixed Deposit investment account(s) to request for their Fixed Deposit investment letters. To generate Fixed Deposit Letters:

• Login to the Vbank app
• Tap on “More”
• Tap on “Investment Letters”
• Tap on “New Request”
• Tap on the FD account checkbox for the generation.
• Select Statement Destination
  • “Send to Me”: User will receive letter in their app registered email address.
  • “Send to Another email”: User will input a destination address for receipt of letter.
• Tap on Generate Letter

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 Savings Plan and click on 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 app and open an They can then accept the invite after they login to the app
• Existing users only need to login to their V bank to accept the invite on the top right corner of their screen.
•  

A Crew Savings account is an automated account that allows you to save in bits at regular intervals with friends while also getting paid interest on your savings. All you need to do is set it up and invite your friends.

You can open a crew account by following the steps below:

• • Login to your V bank App.
  • Select Invest Now and click crew savings.
  • Click create new savings plan and choose a theme.
  • Input the required details including the savings name, amount, nickname, start date, end date and frequency.
  • Click the buttons if you want to make the saving public or lock the savings.
  • Click on
  • Confirm the details and authorize with your 4-digit PIN to complete the process.
  • Invite friends to join the savings plan by inputting their phone number or email address and click on send invite.
  • Click add users to send invite to more than one person.

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

• Login to your V Bank App.
• Click on All Accounts to see all your account.
• Select the Crew Savings account you want to liquidate and click on Details at the right-hand side of the screen.
• Scroll up and select Partial or Full liquidation

Select the option you want and authorize with your 4-digit PIN

To request for a loan, follow the steps below.

• Login to your V Bank App.
• Click on open account and select Request a Loan.
• Fill in the required details.
• Click on confirm and authorize with your 4-digit PIN.
• A representative will reach out to you to complete the process.

You can disable interest on your account by following the following steps:

*To disable interest on your Savings Account:

• Log into the Vbank app
• Swipe to your Universal Savings account and tap on “View” or Tap on your Universal Savings account
• Tap on “details”.
• Swipe down then tap on “Disable Interest”.
• Ensure toggle button is turned off.
• Accept Terms and Conditions by tapping on the checkbox.
• Tap on “Confirm”.

• Login to your V bank App.
• Select Invest Now and click crew savings.
• Click on the savings plan you wish to join.
• Click on join this plan.
• Input your nickname and accept terms and conditions.
• Select continue and authorize with your 4-digit PIN to complete 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

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 is a quick and effective way to send or receive funds without sharing 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 credite
• 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 display a Payment received notification.

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 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 the 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 tap on
• Tap on Cards.
• Click on Request New on the top right side of your screen, select the card type i.e., 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 More
• Tap on 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 More, Tap on Cards and select the card type you want to reset the PIN i.e., 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 More, Tap on Cards and select the card type you want to change the PIN i.e., 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 More, tap on Cards and select the card type you want to view the details e., 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 bank cards on your V bank App by following the steps below

• Login to the V Bank App, select More, Tap on 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
• Select the account you want to see an overview for and set the time frame i.e., 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
• Select the account you want to see an overview for and tap on Categories.
• Your categories, budgets and spend will be displayed for your review.

The Raise Dispute feature allows you send a complaint to our Client Experience center regarding any transaction that occurred on your account. This saves you the stress of having to send an email or calling into our CX center and ensures your complaint gets the immediate attention it deserves.

You can initiate this by following the steps below:

• Login to your V Bank App and swipe to the account where the transaction occurred
• Search for the transaction using the Search Bar or scroll to the transaction
• Click on the transaction and select Dispute
• Select he Dispute Type, describe the issue in space provided and submit
• Someone will pick this up and get back to you

E-address verification allows you to submit your address to the bank, so it can be validated, and your account tier moved to Tier 3 afterwards. It does not require the submission of utility bill or any other address bearing document.

You can use this by following the steps below:

• Login to your V Bank App and select your profile icon (image on the top left side of the app)
• Select Update KYC Level and click on Address
• Select e-Verification and click Add New Address
• Indicate if you want to validate your current location or a different location
• Input your closest landmark and move the arrow on top of your location using the map
• Select the image of your gate, include other details (like apartment, floor number) and submit

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 left 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 to 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 left side of your screen.
• Swipe 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 number and volume of transactions you will be able to perform on the app. Please note that his is determined by regulation and is broken down into 3 on the V Bank app with the transaction limits below:

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

• Login to the V Bank App and select Profile or tap your Profile Image on the top left side of your screen.
• Select Update KYC Level and your current level will be displayed.
• Swipe to the right to see the higher level and outstanding documents you need to upload to attain that level.
• Select each outstanding document and take a snapshot of 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 Profile or tap your Profile Image on the top left side of your screen.
• Click on your image or the circular image on the top centre of your screen.
• Choose how you want to update the image i.e., 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 i.e., 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 to receive transaction related notifications. i.e., 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 left 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 the V Bank App and select Profile or tap your Profile Image on the top left 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 the V Bank App and select Profile or tap your Profile Image on the top left 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 the V Bank App and select Profile or tap your Profile Image on the top left 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 the V Bank App and select Profile or tap your Profile Image on the top left 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 the V Bank App and select Profile or tap your Profile Image on the top left 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 the V Bank App and select Profile or tap your Profile Image on the top left side of your screen.
• Select Share my Referral ID and input the details of the received i.e., 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 Referral 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 the V Bank App and select Profile or tap your Profile Image on the top left 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 commission from V Bank when you refer customers to open active accounts.

Yes, you can open an additional Universal Savings Account by following the process below:

• Login to the V Bank App
• Tap on “Savings Plan”
• Tap on “Universal Savings Account”.
• User’s details are prefilled to be previewed
• Input Account Nickname
• Accept Terms and Conditions by tapping on the T&Cs checkbox.
• Tap on “Confirm and Open Account” to authenticate with your biometrics or 4-digit PIN.

The Quick Links to Transactions feature allows users to carry out key transactions without having to login to the App. Customers can carry out the following transactions using the Quick Links feature:

• Airtime and Data top up – for self only.
• Bills Payment – for saved billers only
• Funds transfers – for saved beneficiaries only
• QR Payments to any QR merchant.

All payments via Quick Links Feature is limited to N20,000 daily and N10,000 per transaction. To access the feature, simply long-press the Vbank app icon on your app list or launch the Vbank app and tap on Quick Links on the bottom of your login screen.

Yes, there are charges applied to Card Delivery respective to your state of residence. The schedule below outlines the various states available for card delivery and the respective delivery charges:

VBANK APP NATIONAL CARD DELIVERY LOCATIONS AND DELIVERY CHARGES