How to Upgrade Your GTBank Account and Account Reference

Last Updated on September 5, 2024 by admin

With the advancement of digital banking, upgrading your GTBank account online offers numerous advantages and conveniences that enhance your banking experience.

Whether you are looking for increased transaction limits, access to premium services, or additional features, upgrading your account online will allow you to enjoy a host of benefits without the need to visit a physical branch.

So, you’ve been rocking your basic GTBank account for a while now, but you’re ready to level up and experience the full range of banking goodness. Well, my friend, it’s time to consider upgrading your GTBank account online. And let me tell you, there are some sweet benefits waiting for you on the other side.

Upgrading your GTBank account opens up a world of possibilities. You get access to additional features, enhanced security measures, and a wider range of services to help you manage your money like a pro. Plus, who doesn’t love that feeling of being a VIP?

Also read: How To Check and Generate Gtbank Account Statement

In this guide, we’ll walk you through the simple steps to upgrade your GTBank account online. So, grab your virtual seatbelt and get ready for a banking adventure like no other as will guide you through the process of upgrading your GTBank account online, providing step-by-step instructions and valuable insights.

Read: How To Check and Generate Gtbank Account Statement

Table of Contents

How to Upgrade Your GTBank Account Online

Before you dive into the world of account upgrades, it’s essential to know your options. GTBank offers several account upgrade options tailored to different needs and preferences.

1.Using GTWorld

To upgrade your Gtbank account you should follow the steps given below:

Logon to GTWorld
Click “Account Upgrade” from the menu Bar (you would be redirected to the Self service portal
Select “Account Upgrade’ under the Service type
Input your account number and BVN
Select your upgrade type (e.g Tier 2, Tier 3, etc)
Upload your regulatory ID and Utility bill
Input your date of birth
Click “Submit”

2 using Gtbank website

1.Logon to the GTBank website at www.gtbank.com
2.Click “Help Centre” from the menu Bar
3.Select “Self-service Portal (Reactivate, Upgrade or Update Account information)”

4.Select service type, “Account Upgrade”
5. Enter your GTBank Account number and BVN
6.Click ‘Submit Form’
7. Select the preferred upgrade (Tier1, Tier2, Tier3)
8. Input OTP generated from your registered mobile number
9.Submit required documents (i.e. Utility bill, newspaper publication, marriage certificate
etc.)
10. Click “Submit”

Also read: How to Open Gtbank Current Account

How to Confirm a GTBank Account Reference

GTBank account references serve as unique identifiers for customers’ accounts, making transactions and communication more efficient. However, it is crucial to verify the accuracy of these references to ensure smooth banking operations and minimize potential errors.

Read: Gtbank Squad: How to register for Squad, Start making and Accepting Payments

1. USSD

Dial *737*51*54#
Enter “1” to select customer to confirm
Enter PIN to complete reference confirmation

2. Internet Banking

- Log on to GTBank Internet Banking with your User ID/Email and password.
- Click on “Self Service” > “Reference Confirmation.”
- Click “New Reference.”
- Enter the new customer’s Account Number.
- Click on the “Get name” button.
- Provide the answer to your secret question.
- Enter your generated Token code.
- Click the “Submit” button to complete the request

3. GTWorld Mobile App:

- Log in to the GTWorld app on your mobile device.
- Tap the menu icon (three horizontal lines).
- Select “Self Service” > “Reference Confirmation”.
- Follow the steps to enter the account number and confirm the details.

4. Self Service Portal:

- Visit the GTBank Self Service Portal:
- Under “General Services” section, select “Reference Upload/Confirmation”.
- Follow the instructions to enter the account number and confirm the details.

5. GTBank Branch:

- Visit any GTBank branch and request for account reference confirmation.
- Provide the account number of the customer you want to confirm.

Important Note:

Always verify account details before making any transactions.
Be cautious of fraudulent activities and avoid sharing your personal information with unauthorized individuals

Read: How to block and Unblocked Gtbank account

GTInstant is a simplified account offered by GTBank designed specifically for individuals who might have limited documentation available for opening a traditional bank account.

Key Features and Benefits:

Simplified Account Opening: It requires minimal documentation, making it easier and faster to open compared to regular accounts.
Instant Account Number and Card: You receive your account number and a Naira MasterCard instantly upon opening the account.
BVN or NIN Requirement: To open a GTInstant account, you’ll need either your Bank Verification Number (BVN) or your National Identification Number (NIN).
Competitive Interest Rate: Enjoy a competitive interest rate on your savings.
Local Transactions Only: The GTInstant Naira MasterCard is valid for transactions within Nigeria only.
Transaction and Balance Limits: There are limits on the maximum single deposit (₦50,000) and the maximum cumulative account balance (₦300,000).
Upgrade Option: You can upgrade your GTInstant account to a full-fledged account by providing additional documentation like a BVN/NIN and a utility bill.

How to Open a GTInstant Account:

Via USSD: Dial *737*0# from your mobile phone and follow the prompts.
GTWorld App: Download and install the GTWorld app, then follow the in-app instructions to open a GTInstant account.
GTBank Website: Visit the GTBank website and use the online account opening platform.

Who is GTInstant ideal for?

Individuals with limited documentation for opening a traditional bank account
People looking for a quick and easy way to open a bank account
Those who primarily need an account for local transactions within Nigeria

How GTInstant Works

Your account number and Naira MasterCard are issued instantly. BVN or NIN is required to open a GTInstant account. Kindly download GTWorld or click here to open via the website
You have a maximum single deposit limit of N50,000 per transaction and a maximum cumulative account balance of N300,000.
The GTInstant Naira MasterCard is valid for local transactions only.
Competitive interest rate at 8.025%.
You can upgrade your GTInstant account to a high-value account by providing BVN/NIN and utility bill at any of our branches or visit here to upload your documents online.

What information do I need to provide in order to upgrade my account?

To upgrade your GTBank account, you will need to provide the following information and documents:

Personal Information:
- Full Name
- Date of Birth
- Gender
- Nationality
- Residential Address
- Phone Number
- Email Address
- Occupation/Employer Details
Identification Documents:
- A valid means of identification (e.g., National ID card, International Passport, Driver’s License).
- Recent Utility Bill (not older than 3 months) in your name, showing your current residential address.
- Proof of income or employment (if applicable)
Additional Information:
- Depending on your current account type and desired upgrade level, you may need to provide additional information, such as:
  - Bank Verification Number (BVN)
  - National Identification Number (NIN)
  - Recent passport photograph

What are the benefits of upgrading my GTBank account?

Upgrading your GTBank account can offer several benefits, depending on your current account type and the type of account you upgrade to. Generally, upgrading can unlock the following advantages:

1. Increased Transaction Limits:

Higher daily and monthly transaction limits for transfers, withdrawals, and other transactions.
This allows you to manage larger sums of money and conduct more extensive financial activities.

2. Expanded Product and Service Access:

Eligibility for additional products and services like loans, credit cards, and investment options.
This can help you manage your finances more effectively and access credit when needed.

3. Enhanced Convenience and Flexibility:

Access to additional features and services like chequebook facility and international transactions.
Greater flexibility and convenience in managing your finances.

4. Improved Customer Service:

Access to dedicated relationship managers or priority customer service for personalized assistance.
Faster response times and dedicated support for resolving queries and issues.

5. Other Benefits:

Depending on the specific account you upgrade to, you may enjoy other perks like:
- Higher interest rates on savings accounts
- Travel insurance benefits
- Lifestyle privileges
- Exclusive events and offers

What is the process for upgrading my GTBank account?

Here’s a breakdown of the general process to upgrade your GTBank account:

1. Gather Required Documents

Depending on your current account type and desired upgrade, you’ll likely need:

Proof of Identity: Valid ID like National ID card, International Passport, or Driver’s License.
Proof of Address: Recent utility bill (not older than 3 months) in your name.
Proof of Income/Employment (if applicable): Payslips, employment letter, or business registration documents.
Other Documents: May include BVN, NIN, recent passport photograph, etc.

2. Choose an Upgrade Method

You have two main options:

Online Upgrade:
- Visit the GTBank website and log in to your internet banking account.
- Navigate to the Self-Service Portal and select “Account Upgrade”.
- Fill out the online form, providing the required information and uploading scanned copies of your documents.
- Submit the form and await confirmation.
Branch Visit:
- Visit your nearest GTBank branch with the original and photocopies of the required documents.
- Fill out an account upgrade form provided by the bank staff.
- Submit the form and documents to a bank representative.
- Your application will be processed, and you’ll be notified of the outcome.

3. Await Confirmation

GTBank will review your application and documents.
You’ll receive a notification via email or SMS once the upgrade is complete.
If any additional information is needed, you’ll be contacted.

FAQS

Q1: How do I upgrade my GTBank account online?

A1: You can upgrade your GTBank account online through the following methods:

Internet Banking: Log in to your GTBank internet banking account. Navigate to the “Self-Service” section, then select “Account Upgrade.” Follow the instructions to complete the upgrade process.
GTWorld Mobile App: Open the app, go to “Account,” then “Account Upgrade.” Follow the on-screen prompts to upgrade your account.

Q2: What documents do I need to upgrade my GTBank account online?

A2: The specific documents required may vary depending on your current account type and the desired upgrade. However, you will typically need to provide the following:

Valid identification: This could be your National ID card, International Passport, Driver’s License, or any other government-issued ID.
Utility bill: A recent utility bill (e.g., electricity, water, or phone bill) as proof of address.
Passport photograph: A recent passport-sized photograph.

Q3: How long does it take to upgrade my GTBank account online?

A3: The account upgrade process usually takes a few minutes to complete online. However, it may take up to 24 hours for the changes to reflect in your account.

Q4: What are the benefits of upgrading my GTBank account?

A4: Upgrading your GTBank account can offer several benefits, such as:

Higher transaction limits
Access to exclusive products and services
Personalized customer service
Potential for better interest rates (depending on the account type)

Q5: How do I confirm my GTBank account reference?

A5: There are a few ways to confirm your GTBank account reference:

Check your chequebook: Your account reference (NUBAN) is printed on your cheque leaves.
Account opening letter: Refer to the welcome letter you received when you opened your account.
GTWorld App/Internet Banking: Log in to either platform and view your account details. Your account reference will be displayed there.
Call GTConnect: Contact GTBank customer care at 0700 482 66328, 0802 900 2900, 0803 900 3900, or +234 1 4480000 and request assistance.

Q6: Is there a fee for upgrading my GTBank account or confirming my account reference?

A6: No, GTBank does not charge any fees for upgrading your account online or confirming your account reference.