Keystone Bank Limited, also known as Osy’s bank, is one of the regulated commercial banks in Nigeria. The bank is licensed by the Central Bank of Nigeria (CBN) to provide various financial services to individuals and corporate organizations, businesses, and companies of all sizes.
Keystone Bank maintains more than 150 business offices across Nigeria, and it will be interesting to know what they offer. This post gives you insights about KeyStone bank limited. We will talk about the company’s owners, the bank’s customer care, USSD banking codes, mobile & internet banking, and more.
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History Of Keystone Bank
Keystone Bank, sometimes known as Osy’s Bank, is one of Nigeria’s several commercial banks. Keystone Bank was founded in 2011 by Umaru Modibbo and is licensed by the Nigerian Central Bank. It has a total asset of $1.916 billion (307.5 billion Naira).
Habib Bank was the bank’s name until 2005, when it merged with Platinum Bank, resulting in the name change to Platinum Habib Bank, popularly called Bank PHB. The Central Bank of Nigeria (CBN) canceled Bank PHB’s banking license and issued one to Keystone Bank on August 5, 2011. Keystone Bank then took up Platinum Habib Bank’s assets and liabilities.
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On Monday, March 20th, 2017, AMCON, the nominal owner of Keystone Bank, announced that Sigma Golf Nigeria Limited and Riverbank Investment Resources Limited (the Sigma Golf-Riverbank Consortium) had purchased the bank for $81.5 million from 25 billionaires.
Following the successful divestiture of AMCON (The Asset Management Corporation of Nigeria) from the Bank, a 5-member progressive Board was formed to oversee the Bank’s new growth and competitiveness plan. On August 15, 2017, the transitional arrangement was effectively completed with the acceptance of the substantive MD/office. CEO’s Customers in many categories, such as public sector, corporate, commercial, and retail, benefit from the Bank’s deposit and loan programs.
The preceding bank left the bank with 154 branches, two (2) international subsidiaries, and one (1) local insurance company (PHB). Global Bank Liberia, Keystone Bank Sierra Leone, and KBL Insurance are among the subsidiaries.
Keystone Bank Offices and Business Locations
Keystone Bank has its headquarters at No. 1, Keystone Bank Crescent, Off Adeyemo Alakija Street, Victoria Island, Lagos State. Keystone Bank has different branches in different parts of the country.
A branch is a business office outside the headquarters where entire banking operations are carried out. A branch is headed by a manager, who is responsible for the branch’s administration, operation, training, marketing, and security, as well as supervising other offices or staff of the bank branch.
A cash office is where cash deposits are received and collected from customers by a cashier. It is headed by a supervisor and is composed of staff who do not exceed five in number. The cash, coupled with payment documents, is transferred to the head office or an affiliated branch at the end of the day.
Here are some of the branches and business locations of Keystone Bank Ltd:
BRANCH
LOCATION
Oko-Oba (Cash Office)
Lagos State Abattoir Oko-Oba, Agege, Lagos State, Nigeria
Ojo Branch
Nigerian Army Industrial Trading Complex Ojo Military Cantonment, Ojo, Lagos State, Nigeria
Ahiara Junction, Nnarambia Ahiara, Ahiazu-Mbaise, Imo State
Okigwe Branch
155 Owerri Rd, Okigwe, Okigwe, Imo State
Enugu Branch 1
128 Zik Avenue, Uwani 400105, Enugu
Enugu Branch 2
Plot 7 Independence Avenue, Pocket Lay-Out, Enugu
Enugu Branch 3
Pocket Layout, New Haven Junction, Enugu State
Enugu Branch 4
23 Okpara Avenue, Enugu, Enugu State
Nsukka Branch
65 Enugu Road, Nsukka, Enugu State
Umuahia Branch
1 Akanu Ibiam Road, Umuahia, Abia State
Aba Branch 1
84 Aba-Owerri Road, Aba, Abia State
Aba Branch 2
Asa Road, Aba, Abia State
Awka Branch
5 Nnamdi Azikiwe Avenue, Awka, Anambra State
Nnewi Branch
23 Edo Ezemewi Road, Nnewi, Anambra State
Onitsha Branch 1
10 Port Harcourt Road, Fegge Layout, Onitsha, Anambra State
Onitsha Branch 2
6B New Market Road, Onitsha, Anambra State
Onitsha Branch 3
Odessa Land, Azu Ogbunike, Onitsha, Anambra State
Port Harcourt Branch 1
62, Aggrey Road, Port-Harcourt, Rivers State
Port Harcourt Branch 2
Agip, Port Harcourt
Port Harcourt Branch 3
Bori Camp Army Base, Port Harcourt, Rivers State
Port Harcourt Branch 4
GRA Junction, Port Harcourt, Rivers State
Port Harcourt Branch 5
96, Ikwere Road Diobu, Port Harcourt
Port Harcourt Branch 6
Plot 42 (Old 16b) Trans Amadi Industrial, Port Harcourt
Port Harcourt Branch 7
Plot 222a Onne Rd Port Harcourt, Port Harcourt
Port Harcourt Branch 8
27, Aba Road, Port Harcourt, Rivers State
Port Harcourt Branch 9
Aba Road, Port Harcourt
Port Harcourt Branch 10
Ikwerre Road, Port Harcourt, Rivers State
Port Harcourt Branch 11
Plot 42 (Old 16b), Trans Amadi Indus Layout, Port Harcourt
Omoku Branch
156, Ahoada Road, Omoku Town, Ogba/Egbema/Ndoni
Eleme Branch
Dangote Cement Factory Complex, Onne, Rivers State
Warri Branch 1
Airport Road, Warri, Delta State
Warri Branch 2
48 Effurun/Sapele Road, Warri
Warri Branch 3
Along Sapele/Warri Road By Okuma Gardens
Asaba Branch 1
441 Nnebisi Road, Asaba, Delta State
Asaba Branch 2
No. 43/54 Dennis Osadebay Way, By Traffic Light, Delta State
Ughelli Branch
51, Market Road, Ughelli, Delta State
Umunede Branch
61 Mbiri Road, Umunede, Delta State
Ibusa Branch
68, Umejei Road, Ibusa, Delta State
Issele-Uku Branch
Along with Umueze Road, Issele-Uku, Delta State
Ogwashi-Uku Branch
39 Old Benin/Onitsha Road, Ogwashi-Uku, Delta State
Kwale Branch
No. 15, Umusadegbe Road, Kwale, Delta State
Kaduna Branch 1
Along Nnamdi Azikiwe Way, Tudun Wada, Kaduna
Kaduna Branch 2
Shehu Musa Yaradua House, 7 Bank Road, Kaduna
Kaduna Branch 3
28 Ahmadu Bello Way, Kaduna, Kaduna State
Kaduna Branch 4
17C Kachia Road, Kaduna state
Kaduna Branch 5
Plot 11, Kagoro-Kafanchan Road, Jema’a L.G.A
Kaduna Branch 6
Ac8 Kano Road, Kaduna, Kaduna State
Kaduna Branch 7
1A Zunta Street, Unguwar Kanawa, Kaduna
Kaduna Branch 8
Sabon Tasha, Ka Duna, Kaduna State
Kaduna Branch 9
Ahmadu Bello Way (Along Jos Road), Saminaka
Kaduna Branch 10
Km 13 Kaduna Zaria Express Way Maraban Jos
Kaduna Branch 11
Warri Street Sabon Gari, Zaria, Kaduna State
Kaduna Branch 12
Zaria Road, Kaduna State
Keystone Bank also has offices in many other locations, such as Kano, Akwa Ibom, Edo, and other states in Nigeria.
Keystone Bank Loans
Keystone provides varieties of loan offers and lending options for different purposes.
Personal Loans
This is a short to a medium-term loan that seeks to offer financial freedom to staff and employees of corporate organizations.
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Auto Loan
This lending option is a long-term loan for people who want to purchase brand-new vehicles and automobiles for personal use.
Asset Financing Facility
This credit facility is tailored for salary earners. It offers them the chance to acquire new household electrical appliances and electronic assets from the bank’s authorized merchants/vendors and repay within 18 months.
Device Financing Facility
This facility is also tailored for salary earners, allowing them to own brand new gadgets such as smartphones from 9mobile.
Asset Financing for MSMEs
Keystone Bank leverages the MSME Asset Finance Scheme to offer a solution to support Small and Medium Enterprises (SMEs) in acquiring and purchasing fixed assets needed to run their business smoothly.
Keystone School Support Loan
Keystone Bank provides affordable loans to finance the education of students in privately owned and registered educational institutions in Nigeria at different levels, including Crèches, Nursery, Primary, Secondary and Tertiary.
How To Open a Keystone Bank Account
Keystone Bank offers savings account for individuals to save towards a goal or project and get rewarded with interest. The account requires a minimum opening balance of N500 and also gives customers an interest of 1.25% per annum. If you want to create a savings account with Keystone bank, here are the requirements.
Duly signed and filled out account opening form.
Valid means of identification.
Documentary evidence of address (for example, a copy of your utility bill).
Bank Verification Number (BVN).
Passport photograph.
Mandate card.
Copy of valid ID of the signatory.
A current account is also available for customers who want to carry out daily banking transactions conveniently, anytime, and anywhere, without hitches. Here are the requirements for Keystone Bank’s current account:
Duly signed and filled out account opening form.
Valid means of identification.
Documentary evidence of address (for example, a copy of your utility bill).
Bank Verification Number (BVN).
2 references.
Passport photograph.
Mandate card.
How To Open Keystone Bank Domiciliary Account
Keystone also offers customers a domiciliary account to save money in foreign currency.
The requirements include:
Duly signed and filled out account opening form.
Valid means of identification.
Documentary evidence of address (for example, a copy of your utility bill).
Bank Verification Number (BVN).
2 references.
Passport photograph.
Mandate card.
Keystone Bank USSD Code
The Keystone USSD code is *7111#. With this code, you can control your whole banking system conveniently from anywhere; it’s magic. *7111# allows you to bank safely, anytime, anywhere, on any device innovatively and straightforwardly.
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The Keystone Bank USSD Banking system saves you the unwanted stress of queueing up in banking halls. It is available 247, and you can perform transactions anytime without an internet connection.
You can use the *7111# self-service code to
Open a Keystone Bank account.
Reactivate Your Keystone Bank Account.
Transfer Funds.
Buy Data & Airtime.
Check Your Keystone Bank Account Balance.
Create an OTP (One Time Password).
Create a Transaction PIN.
Create Internet Banking Login Details.
Pay Bills.
How To Register For Keystone Ussd Service
Dial *7111*0#
Select the ‘Register Option’.
Input your Account Number.
Input your Year-of-Birth.
Create your Transaction Pin.
The registration process is completed.
How To Check Account Balance With USSD
Dial *7111*00#.
Authenticate using your Transaction PIN.
Then your account balance will be displayed.
USSD Code To Recharge Your Phone
Dial *7111*Amount# (e.g., *7111*500#) on the bank-registered phone.
Keystone Bank customers’ maximum daily transfer limit is ₦100,000 (hundred thousand naira).
Code to Activate Debit Card
Dial *7111*9*123# on your phone.
Select the ‘Activate Card’ option.
A prompt is to be gotten on the PAN of the card to be activated.
Select the PAN.
Create your card PIN.
Input your T-PIN.
Wait for the success notification.
Code to Reset PIN Reset
Dial *7111# on your phone.
Select ‘Other Services.
Select the ‘Next’ option.
On the next page, choose the last option, which is ‘Reset PIN’;
Enter your desired PIN;
Enter your debit card’s last ‘6’ digits to complete the request.
Code to Change PIN
Dial *7111# on your phone.
Select ‘Other Services.
On the next page, select the 5th option, ‘ change PIN’.
Input your old PIN, then create a new PIN.
How To Pay Bills With USSD
Dial *7111#.
Select ‘Other services;
Select ‘Bills Payment’ on the next page to make a payment for a biller.
How To Know Your BVN
As a customer of Keystone bank, you can know your BVN number using this method:
Dial *7111*6# from the bank registered phone number.
Enter your T-PIN.
And then, BVN is displayed.
Panic Code
Dial *7111*911# from any mobile phone.
Enter the account/phone number to place a PND on all your accounts.
How to Change default Top-up Account
Dial *7111#.
Select ‘Other Services.
When you get to the next page, select ‘Next’.
Select the ‘Change default top up’ option to remove or change your default account number for airtime top-up.
Cardless-Pay code
Dial *7111#.
Select the ‘Other Services’ option.
Choose the fourth option on the next page, ‘Cardless-Paycode’.
input the amount, and a PIN will be generated.
Go to the nearest ATM to complete your transaction.
Code to Enable or Disable USSD Service
Dial *7111#.
Select the ‘Other Services.
Select the ‘Next’ option.
Choose the ‘Enable/Disable’ option to enable or dis-enable your USSD.
To perform transactions on the USSD platform, you must have an account with Keystone Bank, and your phone number must be linked or registered. This service is open to Glo, MTN, Airtel, and 9mobile subscribers.
If you plan to make international payments, you will surely need a swift code to make it possible. The swift code for Keystone Bank is PLNINGLA.
Mobile Banking
Keystone has a mobile app for iPhone and Android users, which can be downloaded from App Store and Google Play Store respectively.
Keystone Bank Customer Care Contact Details
Are you having any problems with your Keystone bank account? Or would you like to inquire about any other service offered by Keystone Bank? A customer care line is your go-to call. Let’s look at how to contact Keystone bank.
Keystone Bank has a lot of competent Customer Care agents available 24/7 to attend to and resolve all your complaints. You can contact the Keystone Bank customer care representative through the following means.
Address: No. 1, Keystone Bank Crescent, Off Adeyemo Alakija Street, Victoria Island, Lagos
Tel: +234 700 2000 3000
Email address: contactcentre@keystonebankng.com
You can as well drop your complaint message on social media. You can find Keystone bank on the following social media platforms:
Facebook: www.facebook.com/keystonebank
Twitter: www.twitter.com/keystonebankng
Instagram: www.instagram.com/keystonebankng
A customer care representative will reply to you after you’ve sent your message, and all your queries and complaints will be solved ASAP.
Remember that no Keystone Bank staff or customer care representative will ask for your personal information like ATM PIN, ATM card number, Mobile Banking PIN, CCV Number, Token, or OTP (One Time Password) to complete your request. They have everything they need on their end; you just have to say YES or No to authorize them to do what they have to do.
Like Titan Trust, Keystone Bank is one of the newly established banks doing well in Nigeria. Since its establishment in 2011, the company has been developing quickly and establishing branches in different parts of the country.
Hi there, I'm Heaven. I'm an entrepreneur, blogger, and digital marketing enthusiast. When I'm not watching anime or learning something new from TikTok, I post and vlog about my incredible life experiences as a digital entrepreneur.
1 thought on “Keystone Bank: USSD Codes, Banking Details, Loans, Customer Care, Mobile App”
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