V Chat Bank is designed to match and keep up with the present-day lifestyle of customers while ensuring convenient banking.

It also seeks to build better customer engagement by providing more immediate and responsive support.

It is as simple and easy as chatting with a contact on WhatsApp. In fact, transactions can be carried out in less than 3 mins.

V Chat Bank allows users to bank on the go. Simple, easy, fast banking from wherever you find comfort. It is banking while having a conversation.

All service requests are treated immediately, and the chat bank is expected to be at the service of the customer 24/7.

With the V Chat Bank, the following actions can be performed:

  • Login
  • Open Account
  • Balance
  • Transact
  • Airtime
  • Data
  • Transfer
  • Bill Payment
  • ATM Cardless
  • Recurring Savings
  • Manage Account
  • Add Photo
  • Add ID
  • Ask a Question
  • Statement (Mini Statement & Email Statement)

To start a conversation on WhatsApp, click the button below and simply send

Frequently Asked Questions

V Chat Bank is an online channel, built with love that enables users carry out bank transactions on the go, while staying connected to friends and family.

These transactions range from fund transfers, airtime & data top-up, requesting a mini account statement, checking account balance, creating fixed deposit & target savings account, and lots more.

It is simple, easy & fast.

For existing V users, you only need to provide your registered V phone number or email address.

For new users using the “open account” feature, you need a working email address, BVN or other bank account number to join the V side via V Chat Bank

Yes. Please use the email address provided during registration as your username and the auto-generated password provided via SMS.

However, you are advised to change the password. Simply log into your V app, click on “more”, select “change password”, use the auto-generated password as your “old password” and create a new password of your choice.

Yes, you do. We need to ensure that all sensitive bank related information is cleared.

V Chat Bank gives you the possibility of staying connected to those important to you -your Bank and loved ones at all times. It provides you with a convenient and stress-free banking experience.

Just say “hi”, relax and let Bolanle get to work.

Welcome on board! Just say “hi”, follow the prompts and you are good to go.

The transaction limit on V Chat Bank is the same as the mobile app.

You can request for debit cards via the mobile app. However, the request a debit card feature will be integrated here as well as soon as possible.


Just like with the mobile app, the ATM cardless withdrawal feature is available for withdrawal purposes on V Chat channels pending when you request for a debit card via the mobile app.

Yes, securing your data is of top priority to us. This is in line with our policy guidelines.Regardless, personal security standards should be observed

No! Zero charges apply to transactions. However, third party charges may apply to certain transactions. e.g: Bill Payments.