How to Open a Skye flex account

We all know that sometimes it can be very stressful to open an account physically there are a whole lot of document involved not adding the cost of transportation and the long queue.

Well not to worry Skye bank as created a new platform that allows their customers to open a saving account from the comfort of their home; all you need is an access to the internet.

Here is a step to step guide on how to open a skye flex account

To create this account you will have to go to Skye bank website at skyebankng.com before that are some certain thing you need to have:

• A digital passport
• And a  scanned signature

Yes! It’s that easy and simple. After that you will need to fill an online form where you will be asked to upload your passport and your signature, the awesome part about this Skye Flex account is that you don’t need deposit any money to open the account yes I said it zero opening balance.

As with all things in life there are terms and conditions attached to open a Skye Flex account. 

• He/She is required to be of legal age which is 18.
• He/she has to have a Nigerian address and a phone number.
• Other conditions are as follows; 

1. Using a Skye Flex you are limited to a sum of 20,000 naira deposit at a given time. 
2. A Skye Flex account holder is limited a minimum account balance of 200,000 naira. 
3. Nevertheless if your account balance is over 200,000 then you will need to go to the bank to upgrade your account which will require you to bring more documents.

A Skye Flex account comes a Verve debit card which would give you an easy access to your money anytime, it also comes with a mobile banking option which would give you access to any online transactions like (online transfers and more), it also has an attractive and competitive savings  interest rate.

Let me give you a quick load down of how to open a Skye Flex account

·         Internet access

·         Having all the requirement I mentioned earlier

·         Declaration

·         Filling the online application form

·         Confirmation

Easy right! I like this new platform it makes things easier for everyone, you won’t have to go through the stress of going to the bank especially if you are the very busy type, there is no stress of getting all the required document and there is a lot of comfort in opening this account

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FIRST BANK TYPE OF CURRENT ACCOUNT IN NIGERIA

We recently wrote on the Types of First Bank Saving Account opening in Ngeria, and many of our readers find it informative. So by now we all know the major different types of account that suit your financial need.

This article will explain to us in details on the types of First Bank currents account in Nigeria and the type that is also suitable for your financial needs.

Types of First bank Current account in Nigeria

• Normal Current Account
• First Current Plus
• FirstCurrent Business Account
• FirstExclusive Current

1. Normal Current Account Type

As the name implies, it is a general known Current Account that you can open for your financial need. But with FirstBank current account type, you can’t go wrong if you decide to open this account type. This type of Account enable you to carry out unlimited transactions that as to do with 3rd party.

Features of Normal Current Account

• It's as to be with minimum opening account balance of N5,000 for individuals and minimum of N10,000 for corporates customers.
• There is no minimum operating balance (i.e account balance can be operated to zero).
• There is no limit to number of Money you can withdraw within a month.
• This type of Account do attracts Account Maintenance Fee (known as AMF), and other charges like COT etc.
• You can make unlimited funds transfer and also bank cheques or drafts is allow on this account.
• There is also Inter-branch transactions is allowes such as to account owner and third parties accounts.

 Also read different banks ussd codes to to up mobile number

2. First Current Plus Account type

First Current Plus: This is a type of current account with a "difference". This account gives you the opportunity to manage your money without paying any transaction charges like as Account Maintenance Fee (AMF) that occurs at Month end but you have to maintained a minimum operating balance on this account.

Features of Current Plus Account Type as follows:

• You must maintain a minimum opening/operating balance of N500,000 for individual customers while N5, 000,000 for corporate customers and N5,000,000.00 for corporates
• It has a free issuance of first cheque book.
• You must not exceed maximum of 5 withdrawals within a month either via cheque or Letter of Instruction. where withdrawals exceed 5 times within a month, The system will automatically applies default AMF at the prevailing rate per mile on the total withdrawals for that month.
• This account enjoys the following platforms such as; internet & mobile banking platform, debit card issuance, SMS and e-mail alerts.
• The withdrawals limit is 5 times including other alternate channels.

Benefits of Current Plus Account Type

• It's has Zero AMF.
• First issue cheque book is FREE.
• It's has no restrictions on withdrawals through ATM, POS and Internet Banking, etc.

Documents needed to open FirstCurrent Business Account

• A completed Application Form.
• Valid means of identification (Like Drivers License, National ID Card or International Passport).
• Must have a valid proof of address of residency e.g. current Utility Bill not exceeding 3 months
• Must have "Two passport size photographs".
• Must also have "Two satisfactory references" (current account) .

After  you have all necessary Documents needed , then

To open a personal FirstCurrent Plus account,

• You can Download the FirstCurrent Plus (Individual) Account Opening Form
• Complete the form and submit at the nearest FirstBank branch

A fee-based current account that allows customers carries out numerous transactions without paying AMF.

3. FirstCurrent Business Account Type

The FirstCurrent Business Account is a product that is designed for the micro, small, and medium-scale enterprises. It creates an enabling platform for small businesses to run numerous transactions at a predetermined fee without paying AMF.

Features of FirstCurrent Business Account Type

Product comes in three (3) variants:

• Premium 
  • Mus maintain a minimum account balance of N15,000.00.
  • It' has a fixed monthly charge of N2,000.00.
  • The maximum monthly debit turnover is N5million.
  • Excess on debit turnover limits attracts charges at the prevailing AMF
• Silver 
  • Must maintain a minimum account balance of N20,000.00
  • It's has a fixed monthly charge of N5,000.00.
  • The maximum monthly debit turnover is N15million.
  • Excess on debit turnover limits attracts charges at the prevailing AMF
• Gold 
  • Must maintain a minimum account balance of N50,000.00
  • Monthly charge of N10,000.00 is fixed.
  • Maximum monthly debit turnover of N50million.
  • Excess on debit turnover limits always attracts charges at the prevailing AMF
  **Please note that FirstCurrent Business is a non-borrowing account**

Benefits of FirstCurrent Business Account Type

• Has Zero COT.
• Has a Fixed monthly charge as low as N2,000.00.
• Has a low minimum account balance.
• Got no limit to number of withdrawals.
• You get SMS alert on account.

Documents needed to Open a FirstCurrent Business Account Type

Also read features of Nigeria Debit Cards

• The duly completed Application Form.
• Get Valid means of identification (Drivers License, National ID Card or International Passport)
• Also get a valid proof of address of residency e.g. current Utility Bill not exceeding 3 months
• Come along with two passport size photo.
• Your duly completed Specimen Signature cards.

To open a FirstCurrent Business account for your business/organization,

• Quickly download the FirstCurrent Business Account Opening Form.
• Then complete the form and submit it at the any nearest FirstBank branch Nationwaide.

This type of First bank Current Account type is also cool to have. You can carry out unlimited 3rd party transactions and you can enjoy the benefits herein.

Features of FirstExclusive Current Account Type

• Must have a minimum opening/operating balance - N100, 000.00
• Has no limitation on number of withdrawals (including alternate channels)
• Has maximum turnover allowed for the month – N100 million

Benefits of FirstExclusive Current Account Type

• It's has a "Zero AMF".
• It has a Free initial cheque book.
• It's also has a Free online banking services.
• It's has interest rate of 1.0% per annum.

Documents needed to Open a FirstExclusive Current Account Type

Also read on how to open first bank current account in Nigeria

• Must filled and complete the Account Opening Form.
• Must filled and  complete a Specimen Signature card.
• Must have "Two (2)" recent passport sized photog"raphs.
• Must have Address verification document such as Utility Bill".
• Valid means of identification: National ID card International Passport or Driver's License.

Also read  How to open a first bank saving account

To open a personal Current account;

• Must Download the Individual Account Opening Form
• For joint account holders, you must download the Joint Account Holder Form
• Then complete the form and submit it at nearest FirstBank branch Nationwide.

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HOW TO OPEN FIRST BANK CURRENT ACCOUNT IN NIGERIA

This article will explain to all our readers what they need to open First bank Current account and how they will go about it.

Before you go to any First bank branch nationwide to open a Current account; here are the necessary things to bear in mind.

With FirstBank’s current account, you just can’t go wrong. But you can carry out unlimited transactions when it’s come to 3rd party transactions and you also enjoy the inherent benefits.

Features of First Bank Current account opening

·     Before you open current account, must have “Minimum opening balance of N5,000” for individuals while “N10,000 for corporates”

·      Thereafter, no minimum operating balance (i.e account can be operated at zero balance)

·        You have No limit to the number of withdrawals per month

·       The current account attracts Account Maintenance Fee (AMF) and other charges which will be deducted at the end of every month.

·        You can make Funds transfer and also issue bank cheques or drafts with your account.

·        Inter-branch transactions to account owner and to third parties are allowed in this type of account.

Also Read How to open first bank saving account in Nigeria

Benefits of First Bank Current account opening

• There is “No restrictions on number of withdrawals” in this type of account.

• You will have “Access to any of the numerous products that First bank has.
• You can use this type of account to access loans
• You can issue cheque books which are valid for clearing nationwide.

Documents needed for Current Account Opening.

• You must complete the “Account Opening Form” with accurate information.
• You must duly complete “Specimen Signature card”.
• Two (2) recent passport sized photographs is required.
• You must provide Utility Bill for home address verification purpose.
• Valid means of identification: National ID card International Passport or Driver's License.

Immediate Actions to take now are;

• For you to open a personal Current account, must take the following Actions:
• Must Download the Individual Account Opening Form here.
• For those that wanna open a joint account, you must download the Joint Account Holder Form here.

Therefore, kindly complete the form and submit it at the nearest FirstBank branch nationwide. 

Also Read Types of First Bank Saving Account in Nigeria

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FCMB New Enhanced Security For Web-based Transactions

One of Nigerian leading bank, FCMB, has recently introduced an enhanced security protocol for web-based transactions, aimed at ensuring an improved service and security of customers' funds from Credit Cards Hackers.

This protocol is a convenient and reliable means to authenticate all payment being transact or

carryout on the Web. This can only Pop up on Websites that are MasterCard Secure code enabled.

Henceforth, around May, 2016, all web based transactions performed using FCMB MasterCard on a MasterCard Secure code enabled website will be authenticated with an OTP (One-Time Password), that you create on the first MasterCard Secure code enabled website. If the password that you typed in is correct, your transaction will be successful. If not correct, you won't be able to bye-pass the authentication stage and your card will be block immediately after third (3)  attempts.
.
The customer will be required to input this OTP as a sign that the transaction is of authentic and approved of by the original account holder to complete the transaction.
And without the correct OTP provided, the transaction will not be completed rather The MasterCard will be block immediately after several attempts

Benefits of the MasterCard Secure code:

It helps protect customer's funds from unauthorized access and use.

It ensures additional level of online shopping security.

It is fast, simple and convenient. 

To ensure that customers bye-passed the OTP authentication stage, FCMB bank customers are expected to create "memorisable" OTP (One Time Password) on the first MasterCard Secure code enabled website

If you have forgotten your OTP, you have to visit any of the FCMB bank branches to create a New OTP again and make sure you do not forget it again.

Note: You should know to be careful in how you handle and manage your MasterCard in order to prevent undue and unauthorized access to your personal banking information by a third party.

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Skye Bank New Enhanced Security For Web-based Transactions

One of Nigerian leading bank, Skye Bank, has recently introduced an enhanced security protocol for web-based transactions, aimed at ensuring an improved service and security of customers' funds.

This protocol is a convenient and reliable means to authenticate all payment being transact or 

carryout on the Web. This can only Pop up on Websites that are MasterCard Secure code enabled.

From now on, all web based transactions performed using a Skye bank MasterCard on a MasterCard Secure code enabled website will be authenticated with an OTP (One-Time Password), which will be automatically generated and sent to the customer's registered phone number and email address.
The customer will be required to input this OTP as a sign that the transaction is of authentic and approved of by the original account holder to complete the transaction.
And without the correct OTP provided, the transaction will not be completed but will rather be terminated.

Benefits of the MasterCard Secure code:

It helps protect customer's funds from unauthorized access and use.

It ensures additional level of online shopping security.

It is fast, simple and convenient. 

To ensure that customers do receive the OTP whenever sent, Skye bank customers are expected to update their banking profile with their current contact numbers and email addresses, especially if any of their information changes. 

To update your banking details, you have to visit any of the Skye bank branches to receive and complete a Customer Information Update form.

Note: You should know to be careful in how you handle and manage your mobile devices in order to prevent undue and unauthorized access to your personal banking information by a third party.

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DIFFERENT BANKS USSD Codes TO TOP-UP MOBILE NUMBER FROM ACCOUNT BALANCE

This is not new to some people, while some didn't know how to go about this.
This article will explain and alight all necessary steps/guides needed  to top-up your mobile phone with airtime from your bank account.

Nigeria Banks Chip-in/announced the use of "USSD codes" to enable their customers to top-up (or recharge) their phones with airtime from their bank accounts balance with very and easy ways.
Also Red: The first bank Of Nigeria Mobile App
For instance, you may be stranded or not having enough cash at hand to buy airtime or call card, or it may be late hours to go out of your Crib to Shops/Super Markets around to get Call card or you find it stressful walk to any nearby ATM Machine to recharge and as well you may want to send Recharge Cards to someone while its late. Or you really need to top-up in order to use your phone perhaps to make phone calls, send a text message, subscribe a data plan, etc.
Which ever one your need is, Just sit back and release to get the full gist on how you could solve all your call card/Recharge cards need.
Therefore, below is a list of banks in Nigeria and their USSD codes the customers can use to top-up their  mobile phones from their banks accounts balance.

Also Read How to Open a Domiciliary Account in Nigeria

list of banks in Nigeria and their USSD codes to top-up your Mobile lines

1. Access Bank Customers dial: *901*amount#
2. Eco Bank Customers dial: *326*amount#
3. Fidelity Bank Customers dial: *770*amount#
4. First City Monument Bank (FCMB) Customers dial: *389*214*amount#
5. First Bank Customers dial: *894*amount#
6. GTB Customers dial: *737*amount#
7. Heritage Bank Customers dial: *322*030*amount#
8. keystone Customers dial: *322*082*amount#
9. Sky Bank Customers dial: *389*076*1*amount#
10. IBTC Customers dial: *909*amount#
11. Sterling Bank Customers dial: *822*amount#
12. UBA Customers dial : *389*033*1*amount#
13. Unity Bank Customers dial: *322*215*amount#
14. Zenith Bank Customers dial: *966*amount# or *302*amount# (for mtn users)
15. Diamond Bank (Y'ello account only) Customers dial: *710*555*phone no*amount*pin#

Note: Some of the Banks above didn't allow their Customers to to-up third party mobile phone numbers and the bank ONLY allow Customers to top-up ONLY the phone number(s) associated or (linked) to their bank account. Any attempt to top-up any other phone number will fail and not successful.

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The First Bank of Nigeria Mobile Banking App

With advance in Technology; there are a lot of goodies we can now do easily when its come to access our money. And when it comes to technological advancement in the banking industry, First Bank users can access their savings and/or current account(s), any time, anywhere, as well as to perform different types of transactions simple and with ease, all from their mobile devices without the need to go to the bank. All you have to do is pimp-up your finger and download the FirstMobile app by First Bank of Nigeria.

The Mobile app is the official mobile banking platform for smartphone from FirstBank Plc. It provides convenient/ease access to both financial and non-financial transactions by FirstBank account holders only via their mobile devices. The service is available to FirstBank account holders with Naira MasterCard and/or Verve cards.

Also Read: Basic features of Nigeria Debit Cards
The Firstmobile banking app that is easy to use, is another very secure platform that allows customers to carryout banking transactions and access day to day lifestyle news contents with a "click" from their mobile devices/phones. And once you've downloaded and installed it, you can activate it and start transactions immediately and as well enjoy all its features its offers, without having to have a walk to Firstbank branch, as it comes with a DIY enrolment process.

Features Of The FirstMobile App

1. The Account Overview - such as free access to account balance inquiry and account statement .
2. Domestic Funds Transfer Platform - Can Transfer to First bank and other banks accounts.
3. Airtime Top-Up Platform (i.e customers can top-up "Self Mobile Line" and "3rd party").
4. Bills Payments Platform - You can make TV bills (such as  DSTV, HiTV, GoTV) as well as Electricity bills etc.
5. Card management Platform: Can Change Mobile App Pin in case of Fraudulent suspicious.
6. Pay Flight tickets - Can also view schedules and book with ease.
7. Book Events & Shows - Book your favourite events and shows in just a few taps.

In addition to above features, the FirstBAnk Mobile Banking App offers all FirstBank customers a unique access to the latest articles and videos across a wide variety of categories which include technology, gadgets, life and travel, the economy, access to local news, shopping flirt and many more.  You can afford not to have the FirstBAnk Mobile Banking App, with all the unique features embedded in it.

Read: Major type of Account Opening
 
The application is "FREE" and available for download to customers of the bank "ONLY". To download the app, simply click here.

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