Zmobile Mobile Banking from Zenith Bank


Zmobile is a mobile banking service from Zenith bank. Zmobile (meaning Zenith mobile) enables customers of Zenith bank to carry out various banking and payment transactions with their mobile phone. Some transactions currently supported by Zmobile include balance inquiry, mini statement, bills payment, local money transfer, mobile phone top up, inter-bank money transfer, and so on. Zenith bank also offer Internet banking services, which allows take care of most of your banking needs online.

Zmobile is a menu based mobile banking service. The menu looks like your ATM menu or the Glo Magic plus menu. All you need to do is to select the transaction you want on your mobile phone menu and enter your security access details; the Zmobile system will do the rest.

How to access Zmobile

Zmobile requires that you load a Zmobile application specific to your mobile phone. This can be loaded to your mobile phone via Bluetooth or Infrared at any Zenith bank branch or Over the Air (OTA) via GPRS/EDGE/3G if your mobile phone lacks Bluetooth and Infrared. This means that your mobile phone must support Bluetooth, Infrared, or GPRS to access Zmobile. Another feature reqiured by Zmobile is that your mobile phone must have is that it must be Java enabled. Of course, you must be banking with Zenith bank, before you can access Zmobile.

You also require a Zenith bank EazyCard as Zmobile is card based. Each time you choose any transaction on your Zmobile enabled mobile phone, the system will request your 18-digit PAN number, expiry date, and four digit PIN.

Transactions supported on Zmobile

balance enquiry: Receive your account balance right on your mobile phone.

mobile phone top-up: Top-up your mobile phone credit with Zmobile. You can also buy mobile phone top-up for your family and friends. Mobile networks supported for mobile top-up include MTN, Glo, and Zain.

local money transfer: Transfer money with your mobile phone, thanks to Zmobile.

inter-bank money transfer: Transfer money to other bank accounts.

mini statement: Receive mini statement of your banking transactions on your mobile phone.

transfer funds from card:

bills payment (DSTV, MTN)


How secure is Zmobile

Your data transmission on Zmobile enabled mobile phone is encrypted, making your transactions secure. In addition, every transaction will request for your 18 digit PAN, your expiry date, and your 4 digit PIN. All these contribute to making Zmobile a secure mobile banking platform.

Zenith mobile banking transmission is through either SMS or GPRS. To access Zmobile, you require a mobile phone with GPRS, Bluetooth, or Infrared. You will also need a mobile phone that is Java enabled. A Zmobile application must also be available for your mobile phone.

For more information about Zenith mobile banking, email

Zenith bank is one of the largest banks in Nigeria as well as one of the top two banks in terms of customer service in Nigeria. Visit Zenith bank website at for more information about Zmobile and their other banking services. Zenith bank also offer Internet banking services.

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Paschal Okafor is NaijaTechGuide Team Lead. The article Zmobile Mobile Banking from Zenith Bank was written by Paschal Okafor. The article was last modified: September 20th, 2017
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Paschal Okafor is the founder of NaijaTechGuide. Over the past 15 years, he has managed to turn a blog that started life on a Google Blogger subdomain into the Largest Technology Blog in Nigeria and quite possibly the largest in Africa. Paschal has been building, analyzing, and maintaining websites for over 17 years and can offer you his wealth of experience to help you get the best results for your blog or website.