How To Contact Zenith Bank Customer Care Number
If you’re banking with Zenith Bank Plc (or thinking of becoming one) and you’re looking for zenith bank customer care number, this blog post is for you.
We’ll walk you through how to reach customer care, what their chat-bot is, how to lodge complaints, how to use WhatsApp services, how to dispute transactions and more.
Let’s get started
How Do I Speak To Zenith Bank Customer Care
When you need to speak with a customer-service representative at Zenith Bank, here are your options:
Call the general customer-service line: 0201-278-7000 or the toll-free hotline 0700-ZENITHBANK (0700-936-4842265).
You can also dial 0904-085-7000 as another contact line. For email: send your query to zenithdirect@zenithbank.com.
Note: If you’re calling, be sure to have your account number, name, maybe last transactions ready this makes it easier for the agent to help you.
Tip: If you’re calling about a card (lost/stolen/damaged), use the “card services” line as given on their site.
Also Read: How To Activate Access Bank USSD Code (2025/2026 Guide)
What Is Zenith Bank Chatbot
Zenith Bank offers a chatbot named ZiVA (Zenith intelligent Virtual Assistant). Here’s what it is and what it does:
ZiVA is basically an automated chat/virtual-assistant tool you use via WhatsApp.
To use it, you save the bank’s verified WhatsApp number +234-704-000-4422 (or 0704-000-4422) and send a “Hi” message.
ZiVA allows you to do things like perform transactions, ask questions, get statements, or block cards – depending on what you need.
Because it’s a chatbot, it works 24/7 (or very close) for basic tasks; for more complex issues you may be transferred to a live agent.
How Do Customer-Service Chatbots Work
Since you asked about chatbots (in the context of Zenith but also generally), here’s a simple breakdown:
Activation / Greeting
- You send a message (e.g., “Hi”) on the bank’s approved channel (e.g., WhatsApp).
Menu / Prompts
- The bot presents you with options to Check balance, Block card, Transfer funds, often via buttons or simple text replies.
User Input & Verification
- You choose an option, supply details (account number, amount, last transactions). For security, you might be asked for a PIN, OTP, or some confirmation.
Action Execution
- The bot performs your request (e.g., sends a check-balance result, initiates a transfer, blocks your card).
Escalation
- If the request is too complex or flagged (e.g., dispute transaction, fraud), the bot routes you to a human agent.
Confirmation And Logging
- You receive a confirmation message and likely a reference number; the system logs the request so you can follow up if needed.
Benefit of Chatbots: They save time, are available 24/7, handle routine tasks quickly, and free up human agents for more complex issues.
Note: Always ensure the chatbot number is verified (official bank announcement) to avoid scams.
Also Read: Polaris Bank Transfer Code For Easy Banking In 2025/2026
How To lodge A Complaint On Zenith
If you have a complaint about your account, transaction, service, etc. here’s how to do it with Zenith Bank:
- Choose your channel: phone (see above), email (e.g., zenithdirect@zenithbank.com) or chat via ZiVA/WhatsApp.
- Clearly state: your name, account number, date & amount of transaction (if relevant), nature of complaint (service delay, wrong charge, unauthorized transaction).
- Ask for a complaint reference number or acknowledgment from the bank – this helps you follow up.
- If you don’t get a satisfactory response within a reasonable time, you can escalate, for example you may approach the Central Bank of Nigeria (CBN) Customer Protection department (for Nigerian banks). According to one source, Zenith advises payment‐service users if they still have unresolved issues.
- Keep a record (screenshots, emails, chats) of your complaint and the bank’s response for your reference.
What Services Are Available On Zenith’s WhatsApp
Via WhatsApp with ZiVA, Zenith offers several convenient services:
Start a conversation with the verified number (+234-704-000-4422) and choose tasks. You can perform basic transactions: check account balance, view recent transactions, transfer money (depending on setup) via chat/WhatsApp.
Block or deactivate a card, report lost/stolen. While the main service for lost/stolen cards is phone, the chat may initiate or guide the process.
Open or enquire about opening accounts, sometimes link to other channels.Get help or FAQs about digital banking, USSD banking, etc.
Note: For very sensitive tasks (large transfers, disputes), you might still be required to call or go into branch – chat may provide initial help or route you.
How Can I Chat With Zenith Bank On n WhatsApp
Here’s how you can get started:
- Save the verified Zenith WhatsApp number: +234 704 000 4422.
- Make sure the WhatsApp phone number is the one linked to your Zenith account (for verification/security).
- Open WhatsApp Send “Hi” or the greeting that triggers the chatbot. The bot (ZiVA) will reply and provide menu options.
- Select the option you need (e.g., “Check balance”, “Transfer funds”, “Complaint”).
- Follow prompts. If you need to speak to a live agent, look out for a menu option or request “speak to human”.
- Always verify you are dealing with the official Zenith Bank number (others may be fraud).
- For example the bank warns: “Chat with us on WhatsApp 07040004422 – all other numbers are fake.”
How To Lodge A Complaint On Zenith mobile app
If you use the Zenith Mobile App (or internet banking) you can also lodge complaints through the app. General steps:
- Open the mobile app log in using your credentials.
- Navigate to “Help” / “Support” / “Contact Us” section (each version of the app may phrase differently).
- Choose Complaint or Feedback.
- Fill in details: your issue, date/time, account number, transaction details (if relevant).
- Submit. The app should provide you with acknowledgment or reference number.
- If the app allows chat inside it, you might chat directly or be directed to WhatsApp or phone-line.
Note: Use the app for convenience (you already have account details logged in). Keep a copy of your submission.
How To Dispute A Transaction On Zenith Bank
Here’s how to handle it if you notice a transaction you didn’t authorise or believe is incorrect:
- As soon as you notice the transaction, block the card (if card was used).
- You can do this via the customer-service phone line: 0201-278-7000 or 0700-ZENITHBANK.
- Gather information: the transaction date, amount, merchant name, your account number, any alerts you received, etc.
- Contact Zenith Bank: via phone (see numbers above), via email (zenithdirect@zenithbank.com) or via the mobile app/chat.
- Provide all the gathered information and ask that the transaction be reviewed/disputed.
- Follow the bank’s procedure: they may ask you to sign a dispute form, provide proof, etc.
- Monitor your account while the dispute is processed. Keep any reference or ticket number.
- If the bank’s response is unsatisfactory, you may escalate to the regulator (CBN) or relevant financial-service ombudsman in Nigeria.
Conclusion
Dealing with banking issues can feel overwhelming, but with the right information you’ll have the power to take action.
For customers of Zenith Bank, the numbers, contacts, and digital-channels above give you a full toolkit: from speaking to a human agent, using the WhatsApp bot (ZiVA), lodging complaints, to disputing transactions.
Always ensure you use official channels (numbers and WhatsApp verified by the bank) to reduce fraud risk, and keep records of your interactions.
Frequent Asked Questions – FAQs
Is Zenith Bank Customer Care Available 24/7
Yes, according to their website, their contact centre (ZenithDirect) offers services 24/7 through self-service menus and phone.
However, actual live-agent support may have certain hours; for urgent tasks like card block you can still use the phone lines.
Is Zenith Bank The USA
There is no full retail branch network of Zenith Bank in the USA listed publicly. It is a Nigerian bank with international operations, but if you’re in the U.S. you’ll likely bank via partners or remittance services.
For example, sending money to Zenith Bank in Nigeria from the U.S. is possible. If you need full banking services in the USA you might need a U.S. bank account separately.
What Is The Short Code For Zenith Bank
The main USSD short code for Nigerian customers is *966# (EazyBanking). For example: 966amount*accountNo# to transfer money. Always confirm via Zenith’s official channels if codes change.
Can I Use My Zenith Bank Naira Debit Card Abroad
Yes, there’s information from the bank’s social media that Naira cards can be used abroad up to a certain limit. For example: “Use your Zenith Bank Naira Cards anywhere in the world for transactions up to $3,000 per quarter.” However: check with the bank about foreign-transaction fees, merchant acceptance, and limits before you travel.
Who Is The CEO Of Zenith Bank
The current Group Managing Director/Chief Executive of Zenith Bank Plc is Dame (Dr.) Adaora Umeoji OON, effective from 1 June 2024. Her appointment followed the previous CEO’s term.So if you see mentions of other names, note this recent update.
How Old Is Zenith Bank
Zenith Bank Plc was founded in 1990. So as of 2025, it is about 35 years old giving it deep experience in Nigerian banking.
For more information on zenith bank customer care number, visit this blog post, https://www.legit.ng/1261150-zenith-bank-customer-care-contact-number-email-address.html
