Keystone Bank: USSD Codes, Banking Details, Loans, Customer Care, Mobile App

What Is The New Name Of Keystone Bank?

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.

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.


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.

who owns keystone bank

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:

Oko-Oba (Cash Office)Lagos State Abattoir Oko-Oba, Agege, Lagos State, Nigeria
Ojo BranchNigerian Army Industrial Trading Complex Ojo Military Cantonment, Ojo, Lagos State, Nigeria
Ogudu Branch167 Ogudu Road, Ogudu, Lagos State, Nigeria
Mushin Branch 1No. 285 Agege Motor Road, Mushin, Lagos
Mushin Branch 2No. 21 Palm Avenue, Mushin, Lagos State, Nigeria
Magodo BranchAlong CMD Road, Magodo, Lagos State, Nigeria
Lekki BranchBlock 94, Plot 15, Lekki Phase 1 Scheme, Lekki-Epe Expressway, Lekki, Lagos State, Nigeria
Ajah BranchKm 22 Lekki-Epe Expressway, Ajah, Lagos State, Nigeria
Ketu BranchPlot 584 Ikorodu Road, Ketu, Lagos State, Nigeria
Isolo Branch46 Ire-Akari Estate Road, Isolo, Lagos State, Nigeria
BBA BranchHall 3, BBA Plaza International, Trade Fair Complex, Ikeja, Lagos
Badagry BranchZone B, ASPMDA International Trade Fair Complex, Badagry Expressway, Badagry, Lagos State, Nigeria
Apapa Branch 120B Warehouse Road, Apapa, Lagos
Apapa Branch 2Triana Building 18/20, Commercial Road Apapa, Lagos
Apapa Branch 33B Point Road, Apapa, Lagos
Apapa Branch 4Plot 17, Apapa-Oshodi Expressway, Tincan, Lagos State, Nigeria
Apapa Branch 5Plot 17, Wharf Road Apapa, Lagos
Apapa Branch 61 Dillion Road Kirikiri, Apapa, Lagos State, Nigeria
Festac Branch 1House 16, 2nd Avenue, Festac Town, Lagos State, Nigeria
Festac Branch 2Festac Link Bridge Road, Amuwo Odofin, Lagos State, Nigeria
Alaba Branch6 Agudosi Street, Alaba International Market Ojo, Lagos
Akoka Branch23 St Finbarr’s College Road, Akoka, Lagos State, Nigeria
Ajao Estate13 Murtala Mohammed International Airport Road, Ajao Estate, Lagos State, Nigeria
Abule-Egba Branch680 Lagos-Abeokuta Express Way, Ijaye, Lagos State, Nigeria
Iju Branch123 Iju Road, Iju, Lagos State, Nigeria
Epe Branch21 Lagos Road, Aiyetoro, Epe, Lagos State, Nigeria
Egbeda Branch168 Akowonjo Road, Egbeda, Lagos
Ebute Metta Branch 131A Willoughby Street, Ebute-Metta, Lagos
Ebute Metta Branch 21 Thomas street, Apapa Road Ebute Metta, Lagos
Broad Street (Cash Office)SPDC, 21/23 Marina, Marina Shell Car Park, Lagos
Broad Street Branch127 Broad Street, Lagos Island, Lagos
Ilupeju Branch 18 Town Planning Way, Ilupeju, Lagos
Ilupeju Branch 224 Ilupeju Bye-Pass, Lagos
Ikoyi Branch36 Awolowo Road, Ikoyi, Lagos
Ikotun Branch113 Idimu-Ikotun Road, Ikotun, Lagos
Ikota BranchBlock Nos 121-136, Ikota Shopping Complex Lekki, Lagos
Ikorodu Branch17 Lagos Road, Ikorodu, Lagos
Ikeja Branch 1Ville 119, De Plaza Ikeja, Lagos State
Ikeja Branch 28 Allen Avenue, Ikeja, Lagos
Ikeja Branch 369 Opebi Road, Ikeja, Lagos
Ikeja Branch 425 Kudirat Abiola Way Ikeja, Lagos
Ikeja Branch 578 Oba Akran Avenue Ikeja, Lagos
Ikeja Branch 638 Ogba/Ijaye Road, Ogba, Ikeja, Lagos State, Nigeria
Ikeja Branch 7128 Awolowo Way, Ikeja, Lagos State, Nigeria
Ikeja Branch 87 Pepple Street, Computer Village Ikeja, Lagos
Maryland Branch16B Mobolaji Bank-Anthony Way, Maryland, Lagos State, Nigeria
Trade Fair BranchAtiku Abubakar Hall International Trade Fair Complex, Lagos, Lagos State, Nigeria
Tafewa Balewa Square Branch37/37A Tafawa Balewa Square, Lagos Island, Lagos State, Nigeria
Surulere Branch 1101 Bode Thomas Street, Surulere, Lagos
Surulere Branch 235/37 Enitan Street, Aguda, Surulere, Lagos
Surulere Branch 370 Lawanson Road, Surulere, Lagos
Surulere Branch 4283 Ijesha Road, Ijeshatedo Surulere, Lagos
Palmgroove Branch224 Ikorodu Road, Palmgroove, Lagos State, Nigeria
Orile Branch 1Opere Street, Lagos State, Nigeria
Orile Branch 2Km 3, Lagos-Badagry Expressway, Orile, Lagos State, Nigeria
Omole Branch1B Obadina Street, Omole, Lagos State, Nigeria
Oko-Oba Branch1 Williams Estate, Tabontabon, Oko-Oba, Lagos State, Nigeria
Victoria Island Branch 1Plot 1226 Ahmadu Bello Way, Victoria Island, Lagos State, Nigeria
Victoria Island Branch 2Plot 1397, Tiamiyu Savage Street, Victoria Island, Lagos
Victoria Island Branch 31B, Ajose Adeogun Street, Victoria Island, Lagos
Victoria Island Branch 452 Adeola Odeku Street, Victoria Island, Lagos
Victoria Island Branch 5Plot 707 Adeola Hopewell Street, Victoria Island, Lagos State, Nigeria
Idumota Branch 1111 Nnamdi Azikiwe Street, Idumota, Lagos State, Nigeria
Idumota Branch 218 Ereko Street, Idumota, Lagos State, Nigeria
Wuse Branch 1Plot 22, Adetokunbo Ademola Crescent, Wuse II, Abuja.
Wuse Branch 281, Aminu Kano Crescent, Wuse 2, F.C.T
Wuse Branch 3349, Olusegun Obasanjo Way, Wuse Zone 1
Wuse Branch 4Plot 536 Ademola Adetokunbo Crescent, Wuse
Wuse Branch 5Plot 22, Adetokunbo Ademola Crescent Wuse, F.C.T
Wuse Branch 6Wuse Market, Abuja
Utako BranchPlot No 556 Utako District Cadastral Zone BO5
Garki Branch 15th Street Plot 786 CBD, Garki Abuja, F.C.T
Garki Branch 2Shekinah Plaza, Plot 1, Ladoke Akintola Boulevard, Garki 2 900110, Abuja
Maitama Branch 11 Maitama Sule Street, Asokoro, F.C.T
Maitama Branch 2IBB Way, Maitama, F.C.T
Maitama Branch 3Plot 572, Maitama, Abuja
Gwagwalada BranchNo. 1, Gwagwalada Town Layout, Gwagwalada, F.C.T
Gwarimpa BranchPlot 429, Ist Avenue Gwarimpa Estate, F.C.T
Kubwa BranchGado Nasco Road, Kubwa
Nyanyan Branch 1Keffi Road, Nyanyan, F.C.T
Nyanyan Branch 2Ground Floor, National Assembly Complex
Nyanyan Branch 3Suit No 011/012 Block A NNPC Tower, Abuja
Owerri Branch 1Plot 39 Assumpta Avenue, Owerri, Imo State
Owerri Branch 258 Okigwe Road, Owerri, Imo State
Owerri Branch 3117B Wetheral Road Owerri, Imo State
Ahiazu-Mbaise BranchAhiara Junction, Nnarambia Ahiara, Ahiazu-Mbaise, Imo State
Okigwe Branch155 Owerri Rd, Okigwe, Okigwe, Imo State
Enugu Branch 1128 Zik Avenue, Uwani 400105, Enugu
Enugu Branch 2Plot 7 Independence Avenue, Pocket Lay-Out, Enugu
Enugu Branch 3Pocket Layout, New Haven Junction, Enugu State
Enugu Branch 423 Okpara Avenue, Enugu, Enugu State
Nsukka Branch65 Enugu Road, Nsukka, Enugu State
Umuahia Branch1 Akanu Ibiam Road, Umuahia, Abia State
Aba Branch 184 Aba-Owerri Road, Aba, Abia State
Aba Branch 2Asa Road, Aba, Abia State
Awka Branch5 Nnamdi Azikiwe Avenue, Awka, Anambra State
Nnewi Branch23 Edo Ezemewi Road, Nnewi, Anambra State
Onitsha Branch 110 Port Harcourt Road, Fegge Layout, Onitsha, Anambra State
Onitsha Branch 26B New Market Road, Onitsha, Anambra State
Onitsha Branch 3Odessa Land, Azu Ogbunike, Onitsha, Anambra State
Port Harcourt Branch 162, Aggrey Road, Port-Harcourt, Rivers State
Port Harcourt Branch 2Agip, Port Harcourt
Port Harcourt Branch 3Bori Camp Army Base, Port Harcourt, Rivers State
Port Harcourt Branch 4GRA Junction, Port Harcourt, Rivers State
Port Harcourt Branch 596, Ikwere Road Diobu, Port Harcourt
Port Harcourt Branch 6Plot 42 (Old 16b) Trans Amadi Industrial, Port Harcourt
Port Harcourt Branch 7Plot 222a Onne Rd Port Harcourt, Port Harcourt
Port Harcourt Branch 827, Aba Road, Port Harcourt, Rivers State
Port Harcourt Branch 9Aba Road, Port Harcourt
Port Harcourt Branch 10Ikwerre Road, Port Harcourt, Rivers State
Port Harcourt Branch 11Plot 42 (Old 16b), Trans Amadi Indus Layout, Port Harcourt
Omoku Branch156, Ahoada Road, Omoku Town, Ogba/Egbema/Ndoni
Eleme BranchDangote Cement Factory Complex, Onne, Rivers State
Warri Branch 1Airport Road, Warri, Delta State
Warri Branch 248 Effurun/Sapele Road, Warri
Warri Branch 3Along Sapele/Warri Road By Okuma Gardens
Asaba Branch 1441 Nnebisi Road, Asaba, Delta State
Asaba Branch 2No. 43/54 Dennis Osadebay Way, By Traffic Light, Delta State
Ughelli Branch51, Market Road, Ughelli, Delta State
Umunede Branch61 Mbiri Road, Umunede, Delta State
Ibusa Branch68, Umejei Road, Ibusa, Delta State
Issele-Uku BranchAlong with Umueze Road, Issele-Uku, Delta State
Ogwashi-Uku Branch39 Old Benin/Onitsha Road, Ogwashi-Uku, Delta State
Kwale BranchNo. 15, Umusadegbe Road, Kwale, Delta State
Kaduna Branch 1Along Nnamdi Azikiwe Way, Tudun Wada, Kaduna
Kaduna Branch 2Shehu Musa Yaradua House, 7 Bank Road, Kaduna
Kaduna Branch 328 Ahmadu Bello Way, Kaduna, Kaduna State
Kaduna Branch 417C Kachia Road, Kaduna state
Kaduna Branch 5Plot 11, Kagoro-Kafanchan Road, Jema’a L.G.A
Kaduna Branch 6Ac8 Kano Road, Kaduna, Kaduna State
Kaduna Branch 71A Zunta Street, Unguwar Kanawa, Kaduna
Kaduna Branch 8Sabon Tasha, Ka Duna, Kaduna State
Kaduna Branch 9Ahmadu Bello Way (Along Jos Road), Saminaka
Kaduna Branch 10Km 13 Kaduna Zaria Express Way Maraban Jos
Kaduna Branch 11Warri Street Sabon Gari, Zaria, Kaduna State
Kaduna Branch 12Zaria 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

Keystone Bank Loans

This is a short to a medium-term loan that seeks to offer financial freedom to staff and employees of corporate organizations.


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

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.


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.
  • Wait for the success notification.

Here’s how to recharge for others:

  • Dial *7111*Amount*Phone Number# (e.g.*7111*500*08071000993).
  • Input your T-PIN;
  • Wait for the success notification.

Customers’ maximum daily airtime purchase is ₦10,000 (ten thousand naira).

USSD Code To Buy Data

  • Dial *7111*5# (select for self or others).
  • Select a data plan.
  • Input T-PIN.
  • Wait for the success notification.

Keystone Bank USSD Code To Transfer and Send Money

  • Dial *7111*Amount*Nuban Account Number# (e.g. *7111*10000*5433544123#).
  • Authenticate your transaction with your PIN.

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.

ALSO READ: List of All Nigerian Banks And Their USSD Codes

Keystone Bank Swift Code

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:

You can as well drop your complaint message on social media. You can find Keystone bank on the following social media platforms:

  • Facebook:
  • Twitter:
  • Instagram:

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.

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