How to open gtbank account online-Easy steps

Last Updated on October 9, 2025 by admin

Guaranty Trust Bank (GTBank) offers a seamless and convenient way to open an account online, eliminating the need to visit a physical branch.

This digital initiative is designed to meet the evolving needs of customers in today’s fast-paced world, providing a user-friendly platform that simplifies banking.

By utilizing the online account opening feature, prospective customers can easily access GTBank’s diverse range of financial products from the comfort of their homes or on the go.

The process is straightforward and designed with the customer in mind, ensuring a hassle-free experience. All that is required is a stable internet connection and a few personal details to begin the journey towards effortless banking. GTBank’s online platform is equipped with robust security measures, ensuring that personal and financial information remains protected and confidential.

As you progress through the application, guidance is provided at each step, ensuring clarity and ease of use.

This innovative service empowers individuals by significantly reducing the time and effort traditionally associated with opening a bank account.

By enabling access to banking services without geographical limitations, GTBank is reinforcing its commitment to accessibility and customer satisfaction. Whether you’re a student, entrepreneur, or professional, opening an online account with GTBank is a step towards efficient and modern banking solutions.

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Benefits Of Opening A Gtbank Account Online

Opening a GTBank account online comes with a range of benefits designed to make banking more convenient, secure, and accessible—especially for customers in Nigeria. Here’s what you gain:

1. Convenience

• Open your account anytime, anywhere—no need to visit a branch.
• Complete the process using your smartphone or computer.
• Upload documents digitally and get verified quickly.

2. Speed

• Account setup takes just a few minutes.
• You receive your account number instantly upon successful registration.
• Start transacting immediately via mobile banking or USSD (*737#).

3. Access to Digital Banking

• Use GTWorld and GTBank Mobile App for transfers, bill payments, airtime top-ups, and more.
• Access Internet Banking for full account management.
• Enjoy USSD banking for quick actions without internet.

4. Instant Account Options

• Open a GTInstant account with minimal documentation.
• Ideal for students, freelancers, and small business owners.
• Upgrade later for higher transaction limits and full features.

5. Security

• Encrypted platforms ensure your data is protected.
• Two-factor authentication and biometric login options.

6. Business-Friendly Features

• Easy access to merchant services, POS terminals, and corporate accounts.
• Online tools for managing payments, payroll, and invoicing.

7. Paperless Banking

• No need for physical forms or printed documents.
• Eco-friendly and efficient.

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Types Of Gtbank Account You Can Open Online

GTBank offers several account types that you can open online, each tailored to different needs and lifestyles. Here’s a breakdown of the most popular options available digitally:

1. GTInstant Account

• No documentation required to open
• Ideal for students, freelancers, and first-time account holders
• Limited transaction volume (can be upgraded later)
• Comes with a debit card and access to mobile/USSD banking

2. Savings Account

• Standard personal account for everyday banking
• Requires basic KYC documents (ID, utility bill, passport photo)
• Full access to GTBank digital platforms
• Eligible for interest earnings on balances

3. Current Account

• Designed for individuals and businesses with frequent transactions
• Requires more documentation (ID, utility bill, passport photo, reference)
• No interest on balances
• Comes with a chequebook and debit card

4. Smart Kids Save (SKS) Account

• For children under 18, managed by a parent or guardian
• Encourages early saving habits
• Can be opened online with guardian’s details

5. Business Account

• For entrepreneurs, startups, and SMEs
• Requires CAC documents, valid ID, and utility bill
• Access to GTBank’s business tools and merchant services

6.GTMax

Current Account (for individuals / businesses)

Has Silver, Gold, Platinum tiers. Higher minimum opening amounts & balances for higher tiers.

7. GTCrea8 (e-Savers)

• Designed for undergraduates / youth (around ages 16-25).

• Several levels (Level 1, 2, 3) with increasing transaction / balance limits.

• Benefits include: no/minimal charges, free debit card (for some levels), interest on savings, access via GTBank’s digital channels

8. GTPatriot

• Specially tailored for military / paramilitary personnel.

• Offers zero minimum opening & operating balance, reduced maintenance fees, attractive interest, flexible services.

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How to Open Gtbank account Online

Opening a GTBank account online is fast, secure, and can be done right from your phone or computer. Here’s a step-by-step guide tailored for customers in Nigeria:

1. You can open a Gtbank account Online directly on your smartphone or on a computer either by , dial *737*0# on your mobile device and follow the onscreen prompts. when using your mobile phone

Here are the general steps. Depending on the type of account (savings, student, current, etc.) and whether you have all your documents, some steps may vary or be optional.

1. Go to GTBank’s Official Website / Online Portal

   • Use the Account Opening Web Engine (AOWE).

   • Make sure it’s the official site (check URL, security, etc.) to avoid phishing.

2. Select the Type of Account You Want

   • Personal or Business account.

   • Choose whether savings, current, student (GTCrea8 e-savers), or other.

3. Fill in the Required Details

   • Name, date of birth, address, phone, email, etc.

   • Provide BVN if you have it. If not, some account types allow account opening without BVN initially.

   • Upload your passport photo and valid ID if required.

4. Agree to Terms / Data Privacy

   • Read & accept the bank’s terms, privacy policy, etc.

5. Verification

   • The bank might verify your submitted ID, BVN, address. Sometimes you may need to upload utility bill or additional documents depending on the account level.

   • There might be phone/SMS verification (OTP).

6. Receive Your Account Number / Card

   • In many cases, once verified, you will receive your account number immediately or shortly after.

   • For a physical or virtual debit/mastercard, you might get it delivered or made available depending on the service.

7. Activate & Start Using the Account

   • Log in to GTBank’s online or mobile banking app using your credentials.

   • If required, setup your PINs, activate the card, do any final KYC (Know Your Customer) steps.

   • Deposit funds or perform an initial transaction if required.

What is the Requirements To Open GTBank Account Online

Different Gtbank account have different requirements. Here are various requirements

1. Gtbank Individual domiciliary account

1.You need to submit a Passport photographs of authorized signatories.

2.Copies of acceptable means of identification (Driver’s License, International passport, National I.D Card,

3. Two (2) duly completed and suitable reference forms. Copy of utility bill issued in the last three months.

4 Passport photographs of authorized signatories.

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2. Gtbank Sks Savings Account

To open gtbank Sks Savings Account you need to provide

1. One passport photograph each of both parents and also of the smart kid.

2, A copy of the birth certificate of the smart kid

3, Copies of parents valid means of identification such as Driver’s License, International passport, National I.D Card and any other acceptable identification document as determined by the bank.

4. A copy of any utility bill that was issued within the last three months.

3. Gtbank Individual account

To open Gtbank Individual account you need to provide the following requirements as stated below:

1, Copies of acceptable means of identification (Driver’s License, International passport, National I.D Card, and any other acceptable identification document deemed fit by the bank).

2. Two (2) duly completed and suitable reference forms.

3. Copy of utility bill issued in the last three months. A copy of the current resident’s permit for non-national signatories.

4. GTSave account

For GTSave account you need to provide the following requirements to the bank to enable you open Guaranty trust bank save account

1. Passport photograph of authorized signatories.

2, Copies government issued ID (Driver’s License, International passport, National I.D Card, and any other acceptable by the Bank).

3.Copy of utility bill issued in the last three months.

4, A copy of the current resident’s permit for non-nationals.

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What can transaction can you perform from Gtbank account

There is a lot that you stand to gain from owning a GTBank account,

1, Buy airtime:

You can buy airtime from your account by simply dial *737*amount# to recharge your mobile phone. Dial *737*Amount*Recipient’s number# to recharge a friend’s line.

2. Transfer funds:

You can transfer funds to a GTBank Account by dialing *737*1*Amount*Recipient’s Account Number# and following the on-screen prompts. To send money to other Banks, Dial *737*2*Amount*Recipient’s Account Number# and also follow the on-screen prompts.

3.Pay bills and fees

Shop easily online with your card.Pay school tuition & accommodation fees for you or your wards locally via the payment portal on the website of the educational institution or in person using the merchant’s POS terminal.

4.Pay for Data and cable Subscriptions

5. Booking of Flights and Hotels

6.Personalized Naira MasterCard with flexible spending limits.

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How to Open Gtbank Individual Current Account

To open gtbank Individual Current Account , just download the Individual Current Account Form; complete it, print and submit at any GTBank branch (Find the branch closest to you).

1.Copies of acceptable means of identification (Driver’s License, International passport, National I.D Card, and any other acceptable identification document deemed fit by the bank)

2. One passport photograph.
3.Two (2) duly completed and suitable reference forms
4, Utility bill issued within the last 3 months