The Guaranty Trust Bank Smart Kids Save (SKS) account is available in two categories:

  • SKS (0 – 12 years)
  • SKS Teen (13 – 17 years)*

* The SKS Teen account is an additional account opened when the Smart Kid is/becomes 13 years and older.

Smart Kids Save account Available to all children between the ages of 0 to 12 years
Smart Kids Save account An additional account opened when your child is/becomes 13 to 17 years

Features & Benefits

  • ​Minimum opening/account balance of N1, 000.00 (One Thousand Naira Only).
  • ​Competitive interest rates at 4.2% (the more you save, the more you earn)
  • Allows lodgments of cheques, drafts and dividends into the account, subject to a maximum of N100,000 per instrument
  • Periodic lodgements can be made into the account through Standing Order/automated direct debits.
  • Complimentary invite to SKS Fun events
  • SKS can be converted into a regular savings or current account, with the young saver as an authorized signatory. This is however only after the Smart kid saver has attained the age of 18​
  • ​From the age of 13, an SKS Teen account will be opened for the teenager which comes with a Trendy Teen MasterCard (issued upon Parent’s request) so the child can learn to manage money responsibly.

**If you conduct more than 4 debit transactions in any month, you will forfeit the interest benefit on the account for the month.


  • One passport photograph of each signatory and Smart Kid.
  • Valid ID for each signatory (International Passport, National Driver's license, National ID Card).
  • Utility bill
  • Copy of Smart Kid's birth Certificate.
  • Any other acceptable identification document deemed fit by the bank.

SKS Insurance Plan

SKS Account holders can now access discounted Health and Education Plan, provided by AXA Mansard. 

Find below a copy of the SKS insurance service offering, requirements and terms and conditions to enjoy these plans.

How to Apply

Download any of the forms below, fill and email a copy of the completed form to or drop at any GTBank branch closest to you.

  • Here is a list of hospitals under the SKS Health Insurance Plan