Salary Advance is a salary-based temporary overdraft facility which enables staff of private companies and government agencies access 50% of their net monthly salary in advance.

You can get up to 50% of your salary upfront using GTBank Salary Advance. For Instant access, simply login to Internet Banking or dial *737*8*2# to apply.

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Facility Amount: Maximum of 50% of net monthly salary
Tenor: 30 days (Maximum) renewable monthly
Minimum Salary: Minimum salary of N 25,000 for public sector and N 50,000 for private sector employees
Support/Comfort: Salary domiciliation


An easy and convenient financial solution to your cash needs anytime before your next salary payment

Application Process

  • Login to Internet Banking
  • Simply dial *737*8*2# from your register phone number with the Bank to apply
  • Completed Application Form

Frequently asked questions on GTSalary Advance

What is GTSalary Advance?

GTSalary Advance is designed to provide monthly overdraft to staff of companies, ministries, Parastatals and other government establishments whose salary accounts are domiciled with the Bank.

What type of facility is Salary Advance?

Salary Advance is a temporary revolving overdraft.

What is the tenor for a Salary Advance?

180 days (Maximum) renewable monthly

What is the minimum drawing amount?


What is the maximum drawing amount?

The maximum drawing amount is 50% of the customer’s net monthly salary subject to a maximum of N500,000

Does the beneficiary need to have his/her salary account with GTBank?


What is the required length of salary account relationship?

The customer must have received their salary through their GTBank account in the last 3 months.

Who can benefit from GTSalary Advance?

Staff of selected private companies, Government Ministries, Parastatals and establishments whose salary accounts are domiciled with the Bank.

Can the customer apply for Salary Advance if s/he has an existing facility with the Bank?

Yes, provided the total loan repayment does not exceed 50% of his/her monthly salary.

What is the pricing on Salary Advance?

Highly competitive

Can the customer reapply at the expiration of the facility?


What is the minimum monthly salary an employee of Private Companies must earn to qualify for the facility?

N 50,000

What is the minimum monthly salary an employee in the Public Sector must earn to qualify for the facility?

N 25,000

How does the 180 days Salary Advance work?

Applicant indicates the 180 days tenor and submits the completed application form to the Bank. The single application gives monthly access to Salary Advance for 6 consecutive months.

How do I apply for a Salary Advance?

Application is done by completing and submitting the Salary Advance application form or through internet banking