The Non Resident Nigerian (NRN) Services from Guaranty Trust Bank provides Nigerians living abroad with access to a wide range of products and services; some of which include Savings and Current accounts, Investment in Money Market instruments, eBanking services and Card products as well as access to our ultra modern Contact centre: GTConnect.

This innovative service offers Nigerians in Diaspora the opportunity to open and operate a Nigerian bank account from anywhere in the world.

Documents required to access product and services under the NRN Platform

a. Duly completed NRN Account Opening Form.

b. One Passport Photograph showing full face forward. (Kindly endorse reverse side of passport photograph with name and Signature).

c. A copy of any of the following means of Identification:

  • Valid Nigerian International passport/Foreign International passport. “To be certified as a true copy of the original by a Notary Public, or a Lawyer, or by the Nigerian embassy or a Post Office or a GTBank UK staff (option available for customers who reside in the United Kingdom)”.
  • Valid National Driver’s license. “To be certified as a true copy of the original by a Notary Public, or a Lawyer, or by the Nigerian embassy or a Post Office or a GTBank UK staff (option available for customers who reside in the United Kingdom)”.
  • Valid National Identity Card – “To be certified as a true copy of the original by a Notary Public, or a Lawyer, or by the Nigerian embassy or a Post Office or a GTBank UK staff (option available for customers who reside in the United Kingdom)

d. Copy of any of the following as a proof of address:

  • One stamped reference letter or a stamped Banker’s Confirmation obtained from your bank abroad that states your address stated on the account opening form.
  • Utility bill issued within the last three months for the address stated on the form. “To be certified as a true copy of the original by a Notary Public, or a Lawyer, or by the Nigerian embassy or a Post Office or a GTBank UK staff (option available for customers who reside in the United Kingdom)”
  • Bank or Credit Card statement issued within the last three months showing customer address. (to be stamped by your bank or certified as a true copy by a notary public).

To be certified as a true copy of the original by a Notary Public, or a Lawyer, or by the Nigerian embassy or a Post Office or a GTBank UK staff (option available for customers who reside in the United Kingdom).

e. References (either (i) or (ii) below) – For Current and/or Domiciliary accounts.

(i) a. One stamped reference letter or a stamped Banker’s confirmation obtained from your bank abroad.

b. One completed reference form from a Current account holder (Nigerian) with a Nigerian Bank.

(ii) Two completed reference forms from Current account holders (Nigerian) with any Nigerian Bank.

f. For Joint accounts, a copy of your marriage certificate is required.
To be certified as a true copy of the original by a Notary Public, or a Lawyer, or by the Nigerian embassy or a GTBank UK staff (option available for customers who reside in the United Kingdom).

 

To open an NRN account, click here.

Watch the video on how to open an account.

 

 

 

 

The GTBank Internet Banking launches you into a world without limits. It is a robust channel designed with the state-of –the-art technology that gives you unlimited access to your accounts and allows you conveniently perform over 90% of your bank transactions online real-time.

With Internet Banking, you can enjoy the convenience of managing your finances quickly and easily at a time that suits you. You can bank safely and securely – at work, home or abroad.

As an NRN customer with your internet banking password you can do the following via the Internet Banking platform:

  • View real time account balances and track up-to-the minute transactions on their accounts
  • Set up a standing order instruction to transfer funds to other accounts within GTBank and other Banks in Nigeria (Direct debit).
  • Transfer funds to beneficiaries with GTBank accounts or accounts in other banks via NEFT, Instant or NAPS
  • Confirm cheques online and such confirmations are automatically registered on the Banking Application
  • Request for cheque books
  • Print Statement of account in PDF format or export to MS Excel format
  • PIN change: Users can change their login PIN (password) at any time.

To register for Internet Banking, please click here to download the form. For more details on our Internet Banking platform, click here for more.

The Bank Vertification Number (BVN) gives each Bank customer a unique identity across the Nigerian Banking industry that can be used for easy identification and verification at Point of Banking operations.

As an NRN account holder, you are required to enrol and update your records voluntarily with the Bank by visiting any of the appointed OIS or VFS Centres.

Please click here for a list of OIS/VFS Centres. 

If you have obtained your BVN from another Nigerian bank, you can link your BVN to your GTBank account online via our Internet Banking platform and Corporate website. Click here to visit the BVN linking portal.

To update your records with the bank as an NRN customer, kindly download the Customer Update form, scan and send to nrnaccount@gtbank.com

What is the GTBank NRN service?

The Non Resident Nigerian service offering is a platform for Nigerians who reside outside the country to have access to the wide range of products and services the Bank presently offers

ACCOUNT OPENING

What documents are required to open an NRN account?

The following documents are required to open an NRN account:

1. Duly completed account opening form.

2. One passport photograph showing full face forward.

3. A copy of any of the following means of identification of signatory:

  • Valid Nigerian International passport/any other foreign international passport
  • Valid National Driver’s license
  • Valid National Identity Card

4. Copy of any of the following:

  • Duly filled Banker’s confirmation form
  • Utility bill issued within the last three months for the address stated on the form (to be notarized by a notary public or confirmed by the Nigerian embassy if foreign).
  • Bank or Credit Card statement issued within the last three months showing customers address

5. References (either i or ii below):

  • One reference letter obtained from a current account holder (Nigerian) with any Nigerian Bank and a banker’s confirmation
  • Two reference letters from current account holder (Nigerian) with any Nigerian Bank

* All identification documents, Bank or Credit Card statement issued within the last three-months, and utility bills (if foreign) must be notarized by a notary public, sighted at the Nigerian Embassy or by an officer at GTBank

What electronic channels and services are available to NRN customers?

The following electronic channels are available to the NRN customer:

i. Card services:

  • MasterCard (USD and Naira denominated)
  • Visa Card (USD denominated)

With the Guaranty Trust Bank MasterCard and Visa card the NRN customer enjoys:

  • Accessibility – Gives the customer 24 hour access to funds from about 2.1 million ATMs worldwide
  • Worldwide acceptance – Can be used to pay for goods and services in about 34 million locations worldwide (hotels, supermarkets, petrol stations, etc) in 210 countries and across other channels such as the Internet
  • Safety – It employs the use of Chip & PIN technology to guard against unauthorized transactions

ii. GTConnect:

It is a total banking solution that provides the NRN customer instant service via a touch-tone or mobile phone. It is accessible from anywhere in the world and open for business 24 hours a day, seven days a week (Including public holidays) The NRN customer with a PIN password can do the following:

  • Check account(s) balances
  • Transfer funds between own accounts and to 3rd parties with accounts in GTBank
  • Request electronic cards
  • Request cheque books
  • Confirm cheques
  • Stop cheques
  • Reactivate dormant accounts

iii. Internet Banking:

The NRN customer with an internet banking password can do the following via the GTBank Internet Banking platform

  • View real time account balances and track up-to-the minute transactions on their accounts
  • Set up a standing order instruction to transfer funds to other accounts within GTBank and other Banks in Nigeria (Direct debit).
  • Transfer funds to beneficiaries with GTBank accounts or accounts in other banks via NEFT
  • Confirm cheques online and such confirmations are automatically registered on the Banking Application
  • Request for cheque books
  • Print Statement of account in PDF format or export to MS Excel format
  • PIN change: Users can change their login PIN (password) at any time

* All identification documents, Bank or Credit Card statement issued within the last three-months, and utility bills (if foreign) must be notarized by a notary public, sighted at the Nigerian Embassy or by an officer at GTBank

Do customers who have an account with GTBank UK require references to open an NRN account?

No, NRNs who have current accounts with GTBank UK do not require References to open NRN accounts.

Do NRN customers who visit the country still have to notarize their documents?

No, they do not. Sighted copies of these documents by a GTBank staff is acceptable

What is the role of a Banker's confirmation in the NRN account opening process?

A stamped Banker’s confirmation stating the custome’s address serves as a proof of address and a reference at the same time. Therefore, customers who provide this, will only need to provide one reference. A utility bill will also not be required from them.

Can corporate accounts be opened for Non Resident Nigerians under the NRN service platform?

No, the NRN service is offered only to individuals and not to businesses. The customer will however be referred to the SME team.

Can NRN customers who reside in London submit their account opening package in GTBank UK for onward delivery to the NRN Desk, Lekki branch?

Yes, these customers can visit GTBank UK for the submission of their NRN account opening package. They can also have their documents sighted by a GTBank UK officer in our London office.

How can NRN customers fund their accounts?

  • Transferring funds directly from their foreign Bank account into their GTBank Domiciliary account.
  • Paying in Cheques and cash into their GTBank Naira account and cash (foreign currency) into their GTBank Domiciliary account in any GTBank Branch in Nigeria.
  • Transferring funds from their domiciliary account to their Naira account using FX Sale service on internet banking.

What are the products and services available to an NRN customer on this platform?

An NRN customer can access the following products and services:

  • Domiciliary account (available in Dollars, Pound sterling and Euro)
  • GTMax account (Naira)
  • Savings account (Naira)
  • Investments
  • Fixed deposit ( USD, Pounds and Naira)
  • Commercial papers (Naira)
  • Bankers Acceptance (Naira)

* All electronic channel products/services (Internet Banking; GTConnect, MasterCard e.t.c)

How can a prospective NRN customer submit documents to GTBank for account opening?

NRN account opening documentation should be submitted through the following means:

  • Scanned copies to be sent via email to nrnaccount@gtbank.com and Original copies to be sent to NRN Desk, Guaranty Trust Bank plc Plot 5, block 5 Victoria Island Annex Lekki, Lagos Nigeria.

Can NRN customers transfer money from their NRN accounts to beneficiaries in Nigeria?

Yes, using our electronic banking platforms: Internet banking and GTConnect with the aid of the secure Token device, the NRN customer can transfer money to:

  • Beneficiaries who have GTBank accounts
  • Beneficiaries who have accounts with other Banks.
  • Beneficiaries who do not have accounts through cash in transit.

Can NRN customers lodge cheques and dividend warrants into their NRN account?

Yes, local and foreign cheques and dividend warrants can be lodged into the customer’s account through any of the Bank’s branches in Nigeria.

Can an NRN customer transfer a fixed amount of money regularly(weekly, monthly e.t.c) to beneficiaries in Nigeria?

Yes, an NRN customer can transfer a fixed amount of money regularly to beneficiaries in Nigeria by setting up a standing order instruction (Direct debit) on Internet banking to the following:

  • Beneficiaries with GTBank account
  • Beneficiaries with accounts in other banks in Nigeria

Who are the target customers for the NRN service offering?

All Nigerians who reside outside the country for more than 180 days in a year.

INTERNET BANKING

Is there a daily limit to the amount that can be transferred to beneficiaries in Nigeria via Internet banking and GTconnect?

Yes, there is a limit to the amount that can be transferred daily. The maximum amount that can be transferred:

  • Beneficiaries with GTBank account is N1,000, 000.00
  • Beneficiaries with accounts in other Banks in Nigeria is N500,000.00

How do I get the Internet Banking Service?

The Internet Banking Service is profiled to every new account opened, however, please consult with a Contact Center agent for assistance.

How do I get my login details?

The username and password are system generated for confidentiality and sent to your registered e-mail address with the bank; please ensure your e-mail address is correctly filled out in your account opening form. You will also be prompted to set a secret question and answer. You may contact the Bank if you do not receive the notification sent you.

What if I forget my password or secret answer?

These can be reset on the Internet Banking platform or consult with an agent of the Contact Center for assistance.

TOKEN

Can NRN customers apply for their internet banking Token?

Yes, they can and this can be delivered to them at their location via courier at the customer’s cost.

How can an NRN customer pick up a token?

The following options are available to an NRN customer to pick up a token:

  • The token can be couriered to the foreign address stated by the customer if requested. Cost to be borne by the customer.
  • The token can be picked up by the customer when in the country.

How can an NRN customer apply for a token?

An NRN customer can apply for a token by filling the internet banking and token request form. (This form can be downloaded from the Bank’s Website).

How do I activate my new Token?

You can activate your new Token on the Internet Banking platform or contact GTConnect, our interactive contact center.

How do I deactivate a lost or damaged Token?

Contact GTConnect to get your token deactivated.

How will I request for another Token?

You will be required to fill a token request form and select the “Re-issue” option. Please refer to the Token request tab for full process; applicable charges apply.

How long will it take before I receive the replacement Token?

The replacement token will get to you five working days, from the day your request is received by the processing unit. An e-mail will be sent to notify you that your request has been initiated.

NRN MASTERCARD

What should I do if I misplace my NRN MasterCard Card?

You should get the card hot-listed immediately. To block your lost, stolen or compromised card – Send ‘HOTLIST ( NUBAN Account Number) to 08076665555 E.g HOTLIST to 08076665555 or Contact GTConnect, our fully interactive contact center.

How will I obtain another NRN MasterCard Card?

You can obtain another card by completing the Naira MasterCard Application and indemnity Form then send the duly signed form to the Contact Center. Card and courier charges apply as applicable.

How long will it take before I receive the card replacement requested?

The card replacement requested should get to you in twelve working days, counting from the day the request is received by the processing unit. An e-mail will be sent to notify you that your request has been initiated.

For further enquiries, please send an email to contactcenter@gtbank.com or call GTConnect; our 24hour contact center on +234-1-4480000, +234 80 2900 2900 or +234 80 3900 3900.

The GTBank Token gives you optimal protection against online thefts, hackers and fraudsters. It is the key that grants you full access to carry out 3rd party transfers and payments online via the GTBank internet banking platform anytime and anywhere in the world.

The Token is a code-generating device required to process third-party account transfers, payment and any information update as it generates a six-digit code used to complete third-party transactions.

How To Request for a Token

  • Download and Complete the Token Request Form
  • Fill and Sign an Indemnity Form
  • A copy of a Valid ID card is required
  • A fee of N2,250 (VAT Inclusive) will be debited from your account as cost for the Token.
  • If you opened a Naira Account before you travelled, you will be required to complete an Update Form indicating your new residential address. The new address should not be a postal address as this is where the Token will be delivered.

*Kindly fund your Naira account as the courier charges will be debited from your account. All completed and duly signed documents should be scanned to nrnaccount@gtbank.com 

The GTBank NRN Naira MasterCard is a Naira denominated debit card issued in partnership with MasterCard Worldwide for Non-resident Nigerians (NRN) that allows you spend from your naira account, anywhere in the world.

It offers better security as it utilizes the most secure technology for card transactions – a microchip embedded in the card coupled with a four digit PIN.

GTBank NRN Naira MasterCard is accepted for payment at over 34 million locations and can be used for withdrawals at over 2.1 million ATMs in 210 countries worldwide, wherever the “MasterCard” logo is displayed.

Features

  • Receive your card at your doorstep anywhere in the world 
  • Withdraw cash from any MasterCard ATM world-wide. 
  • Pay for goods and services in shops
  • Pay online for goods and services 
  • Free cash withdrawals from any ATM in Nigeria
  • Cardholder’s name, number and expiry date are printed on the front of the card.
  • Validity is for 3 years.
  • The 3 digit Card Validation Value (CVV2) is printed on the reverse side of the card, beside the signature panel

Benefits

Safety – Your card eliminates the risk and inconvenience of carrying cash.
• Security – Employs the use of Chip & PIN technology to guard against unauthorized transactions. The card also uses Card Secure, which is an additional secure verification feature for web (online) transactions.

How To Make a Request For Your NRN Naira Mastercard

Kindly send an e-mail to nrnaccount@gtbank.com stating your GTBank account name and number and further information will be communicated to you.

Eligibility

You are only eligible for the NRN Naira MasterCard if you meet ALL of the following criteria:

1. You are a Non-Resident Nigerian 
2. Your non-Nigerian address has been provided to the Bank (at account opening or by a customer data update) 
3. You will like to receive your Naira MasterCard at your address abroad.

FAQs

Que 1:Is my Card linked directly to my NRN Naira accounts?

Ans: No, in order to ensure the security of your funds, your card is not linked directly to your NRN Naira account but to a separate card account.

Que 2: How do I fund my NRN card account so I can use my card?
Ans: You can transfer funds from any of your NRN Naira accounts (Savings, Current or GTMax) to your card account via:

• The “own account transfer” service option on your internet banking
• Completing and submitting a Funds Transfer form available at a GTBank branch.

Que 3: Are funds transferred to my card account available immediately?
Ans: Yes, the funds are available immediately.

Remember

***Your card is not linked directly to your naira account, you need to fund your card from your naira account. Ensure your card is funded to enable use your cards at ATMs, POS terminals and for web purchases.