ProvidusBank is an innovative financial institution licensed by the Central Bank of Nigeria as a commercial bank. Headquartered in Lagos, ProvidusBank provides personalized banking products and solutions to individuals and businesses across Nigeria.
This guide explores everything ProvidusBank provides, from account creation to their branch locations, customer service, loans, and online/mobile banking. Whether you want to open your first account or advance your business banking, this article equips you with everything you need to get started with ProvidusBank.
About Providus Bank
Providus Bank was established in June 2016, and licensed by the Central Bank of Nigeria. With a focus on creating a solid financial support system, Providus Bank caters to a range of sectors, from agriculture and hospitality to commerce, mining, art, and entertainment.
They’re not your average bank Providus goes beyond just transactions. They offer personalized services like portfolio management, business advisory, and fast-tracked service delivery. It’s all about making your experience excellent and unique.
Having over 400 employees spread across 5+ branches, Providus Bank is making moves in the non-oil sector, collaborating with businesses to boost Nigeria’s economy. Whether you’re a big corporation, government agency, small business, or a high-net-worth individual, Providus Bank aims to serve you.
Opening an account with Providus Bank is a breeze, and they’ve been holding their ground in the tier 3 banking space for around seven years.
How to Open an Account With Providus Bank Nigeria
Opening an account with Providus Bank in Nigeria is a straightforward process, giving you the flexibility to choose between digital convenience and the warmth of in-person assistance.
1. Online Method:
- Visit Providus Bank’s official website: https://www.providusbank.com.
- Click on “open an account.”
- Follow the simple steps provided to set up your account online. It’s as easy as shopping online!
2. Visiting a Branch:
- Drop by any Providus bank branch if you prefer face-to-face interactions.
- Have a friendly chat with their staff, and they’ll guide you through the account-opening process.
Providus Bank’s Unique Savings Account Offerings:
Before you open an account with Providus Bank you have to determine the type of account you want to open first, here is a list of different types of accounts available under Providus Bank:
- Future Providus Account: It has attractive interest rates, special access to bank events for children, free E-statements & E-alert notifications.
Opening Balance: N10,000.
- Youth Account: The youth account has unlimited digital withdrawals, customized debit cards, and free access to career development materials.
Eligibility: Ages 18 – 25
Opening Balance: N5,000, single deposits below N50,000.
- Affluent Savings Account: This also has an attractive interest rate, a Gold Debit card, unlimited withdrawals, internet banking, SMS alerts, and more.
Opening Balance: N100,000, income between N3,000,000 and N15,000,000.
- Domiciliary Savings Account: Internet banking, SMS alerts, free E-Alerts & E-Statements, local & international transfers.
Opening Balance: $50 (EUR, GBP, YUAN), can be operated in U.S Dollars, Pounds, Euro, and Yuan.
- Retiree Account: Zero account maintenance fees, 5% monthly payments.
Eligibility: Above 65 years of age.
Providus Bank Current Account
Access to electronic banking, no minimum daily balance, third-party withdrawals, instant issuance of debit cards, and more.
Requirements: Minimum opening balance of N100,000, completed account opening form, passport photograph, identification, references, and utility receipt.
Providus Bank Branches
Providus Bank, with its headquarters at 724 Adetokunbo Ademola Street, Victoria Island, Lagos, proudly anchors its headquarters in the financial heart of Nigeria. Now, if you’re on the lookout for Providus Bank branches, here are the addresses:
- Head Office: Plot 724, Adetokunbo Ademola Street, Victoria Island, Lagos
- Victoria Island: 54 Adetokunbo Ademola St, Victoria Island, Lagos
- Festac Town: Festac House, 16, 51 Road, Opposite 511 Junction, Festac Town, Lagos
- Gbagada: 16 Diya Street, Ifako-gbagada, Lagos
- Ikota: Shop C175-182, Road 2, Ikota Shopping Complex, Km 22, Lagos-epe Expressway, Ajah-lagos
- Ikota II Northwest: Ultra Modern Filling Station, KM 14 Lekki-Epe Expressway, Ikota, Lagos
- Abuja: 62 Lobito Crescent, Off Adetokunbo Ademola St, Wuse II, Abuja
Providus Bank is weaving its branches across Lagos and even stretching to Abuja, ensuring accessibility for all. So, whether you’re in Victoria Island or Abuja’s Wuse II, Providus Bank has got you covered.
Providus Bank Loans
Providus Bank Nigeria provides a range of loan options tailored to meet the diverse needs of its customers:
- Travel Loans: Ideal for covering upfront travel expenses such as plane tickets and hotel rentals. Repayment flexibility is based on your Providus account and travel requirements.
- Personal Loans: Accessible for customers with a salary account. Customizable loan amounts with interest rates and repayment terms contingent on the loan amount.
- Overdraft Facilities: Allows you to withdraw more money than is currently in your account. Determined by factors like monthly earnings and loan repayment history.
- Vehicle Loans: Designed for salary account holders to facilitate the purchase of a new vehicle. Repayment through agreed-upon deductions from your salary until full payment.
To benefit from these loan services, you need to be a Providus Bank customer with an active account. Your eligibility and the loan specifics are tied to the type of account you hold. It’s a great way to meet various financial needs, from travel adventures to personal endeavours and vehicle ownership.
Feel free to contact Providus Bank directly for detailed information on their loan products, eligibility criteria, and the application process. They are there to assist you in navigating the financial support that suits your requirements.
Providus Bank Mobile App
The convenience of banking on the go with the Providus Bank mobile app called Providusplus is soothing, it is available for both Android and iPhone users. Download the app from the Google Play Store or the App Store to access a range of features and services that make managing your finances quick and easy.
Features Of Providus Mobile App
Here are key features enjoyed by Providus Bank customers on their mobile app:
- Open an Account: Seamlessly open a Providus Bank account with just a few taps on your phone.
- Account Management: Reactivate your Providus Bank account effortlessly using the mobile app. Access and manage your account details, including your account number, with ease.
- Fund Transfers: Transfer funds securely and swiftly, whether it’s within the bank or to other accounts.
- Mobile Recharge: Purchase airtime and data directly through the app for ultimate convenience.
- Account Balance Check: Stay updated on your account balance with a quick check on the app.
- Security Features: Set up a one-time password (OTP) and a transaction PIN for enhanced security. Create Internet banking login details for a secure online banking experience.
- Bill Payments: Pay your bills hassle-free using the app’s intuitive interface.
How to Get Started
Before you can enjoy the features of the app you have to register first, here are the steps:
- Download the App on Google Play Store or the App Store and install it on your device.
- Open the app, enter your bank account details, and complete the enrollment process.
- Once enrolled, your account number will be prominently displayed every time you log in.
- Receive your login credentials (Customer ID and default password) via email after successful enrollment.
- Ensure you use the phone number registered with the bank as your alert number during activation.
- Have your Providus Bank ATM card handy, as the card number is required for activation.
Providus Bank USSD Code
Currently, Providus Bank does not have a USSD code for local transactions like transfers or checking account balances. However, the bank facilitates all its transactions through its mobile app, offering users a comprehensive platform for various banking activities. The absence of a USSD code is compensated by the robust features available on the mobile app.
Providus Bank Swift Code
For international transactions, Providus Bank employs the SWIFT code UMPLNGLA. This code, UMPLNGLA, becomes essential when sending or receiving money in foreign currencies. It streamlines the process, ensuring efficient and secure cross-border payments.
Providus Customer Care
Connecting with Providus Bank’s customer care is a breeze, and they’ve got various channels to ensure you get the support you need:
Online Business Concierge Portal
- Visit their official website: https://www.providusbank.com/business_concierge.
- Fill in your details, including name, email address, query type, and complaint.
- Click submit, and an agent will reach out to address your questions.
Customer Care Numbers:
- 070077684387
- 012367720
Emails:
Email for Fraud or Suspicious Transactions:
- Report to [email protected].
USSD Code for Fraud Reporting:
- Send an email or call 0700PROVIDUS (070077684387) or 012367720.
Social Media:
- Facebook: www.facebook.com/ProvidusBank
- Twitter: www.twitter.com/ProvidusBank
- Instagram: www.instagram.com/providusbankig
Remember, Providus Bank’s customer care won’t ask for sensitive info like your PIN, card number, or password. They aim to respond swiftly to your inquiries and ensure your concerns are addressed ASAP.
For more general inquiries, you can contact Providus Bank at [email protected] or check their website www.providusbank.com.
Conclusion
Providus Bank is a Nigerian bank offering personalized solutions for individuals and businesses. With a focus on convenience, they provide digital and in-person banking services. Whether you’re opening an account, getting a loan, or using their mobile app, Providus Bank aims to make banking easy and secure.
Their commitment to customer service is evident through various contact options, ensuring your needs are met. Providus Bank has a straightforward and reliable banking experience.