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Our Products
A comprehensive list of our products, descriptions and features.
| Product name | Product Description | Features | How do I get this product/service? |
|---|---|---|---|
| FirstGem | This is a gender-focused product designed for women across different segments to drive women economic empowerment and wealth creation. The focus is to create a platform that galvanizes the potentials in women as economy change agents into overall national growth and development. The Product has scheme for Tier 2 and 3 to capture women in all class/categories from 18 years and above. FirstGem account has its unique customized debit card (Mastercard and Verve). | Zero opening balance, Minimum operating balance – N100, Default savings interest rate applies, Interest forfeiture if withdrawal is more than four times in a month, Maximum single deposit of N100,000, Maximum account balance is N500,000.00, ATM card access, Secure online banking with FirstOnline, Access to FirstMobile and Quick Banking (*894#), Lodgment of cheques/dividend warrants up to N2million per day is allowed, Free e-mail alert, SMS alerts at a fee. | To apply for a FirstGem account, Visit any FirstBank branch near you or call +234 700 FIRSTCONTACT (+234 700 34778 2668228), +234 708 062 5000, +234 1 448 5500 |
| XploreFirst | This product is targeted at the young adults between the ages of 18 and 29 years as they evolve from their adolescent years into full-blown adults and become able to take independent financial decisions. The product also accommodates 16 years undergraduate. | Zero opening balance, Minimum operating balance – N100, Automatic migration to regular savings account when the account holder attains the age of 30, SMS and email notifications are sent to account holders at the point of migration to provide necessary documents, Interest forfeiture if withdrawal is more than four times in a month, ATM card access, Secure online banking with FirstOnline, Access to FirstMobile and Quick Banking (*894#), N150,000 Scholarship award to 18 Winners in the 6 geo-political zones in the Country, Cheques & Dividend Warrants up to N2 million can be lodged into the account per day for XploreFirst Tier 3, Maximum single deposit of N100,000 and Maximum account balance of N500,000.00 for XploreFirst Tier 2, Unlimited deposit and withdrawal for XploreFirst Tier 3. |
To apply for a XploreFirst Account, Visit any FirstBank branch near you or Call: +234 700 FIRSTCONTACT (+234 700 34778 2668228), +234 708 062 5000, +234 1 448 5500 |
| MeFirst | MeFirst Account is designed for teenagers between the ages of 13 and 17 years to drive financial literacy and money management skills for the youth. Attractive and trendy pre-paid card designs are also available through which parents/guardians can load weekly/monthly allowances for the teenagers. | Account is opened in the child’s name and operated by the parent/guardian, Zero opening balance, Minimum operating balance – N100, Automatic transition to XploreFirst Account when the child attains the age of 18, SMS and email notifications are sent to parents/guardians at every point of migration, Interest forfeiture if withdrawal is more than four times in a month, Trendy gift item for the child when the account is opened with a minimum of N10,000, Standing order on the payment of tuition/other fees, Pre-paid card for the child (in 5 designs options) on which parents/guardians can load weekly/monthly allowances, ATM card access, Secure online banking with FirstOnline, Access to FirstMobile and Quick Banking (*894#), Cheques & Dividend Warrants up to N2 million can be lodged into the account per day. |
To apply for a MeFirst Account, Visit any FirstBank branch near you or Call: +234 700 FIRSTCONTACT (+234 700 34778 2668228), +234 708 062 5000, +234 1 448 5500 |
| KidsFirst | KidsFirst Account is designed for children between the ages of 0 and 12 years to drive savings culture lifestyle from cradle. | Account is opened in the child’s name and operated by the parent/guardian, Zero opening balance, Minimum operating balance – N100, Automatic transition to MeFirst Account when the child attains the age of 13, SMS and email notifications are sent to parents/guardians at every point of migration, ATM card access, Secure online banking with FirstOnline, Interest forfeiture if withdrawal is more than four times in a month, Access to FirstMobile and Quick Banking (*894#), Cheques & Dividend Warrants up to N2 million can be lodged into the account per day, Trendy gift item for the child when the account is opened with a minimum of N10,000, Standing order on the payment of tuition/other fees. | To apply for a KidsFirst Account, Visit any FirstBank branch near you or call |
| FirstAdvance | FirstAdvance is a digital lending solution designed to offer convenient and easy access to cash for payroll customers awaiting payment of their salaries. | Salary account must be domiciled with FirstBank, Loan amount of up to 50% of net monthly income, Tenor is 30days or next pay day [whichever comes first], Maximum single obligor limit of N500,000.00, Interest rate @ 2.5%flat collected upfront, FirstAdvance is an enhanced and improved version of Digital SODA, The loan can be accessed up to 3 times a day subject to maximum eligible amount, The Risk Acceptance Criteria for FirstAdvance is automated, Repayment is taken immediately salary is received, while a lien is placed on unfunded account, All fees, including Interest rate are collected upfront upon disbursement of the loan. | To get FirstAdvance; through FirstMobile App or USSD CODE *894*11# OR *894*11# and follow prompt. |
| FirstCredit | FirstCredit is a product designed to provide you with a quick and simple loan to fund your transactions. Loans can be accessed from anywhere without visiting the Bank. | Customer’s account must have been operational in FirstBank for at least 6 months, customers must be linked ti a valid BVN, customers must have positive credit record with Credit Bureaus, Minimum Loan Amount of N1,000, Maximum Loan Amount of N300,000, interest rate of 5% flat, Interest on disbursed amount will be taken upfront on loan disbursal. |
+234 700 FIRSTCONTACT (+234 700 34778 2668228), +234 708 062 5000, +234 1 448 5500 |
| Agent Credit | Firstmonie Agent Credit is a digital lending solution designed to provide bridge finance to help our Agents to solve liquidity challenges resulting from depleted account balances, even when the Agents have physical cash at hand. | Loan amount is 25% of average daily credit turnover for a period of three months subject to maximum loan amount of N1million, satisfactory KYC Report, positive credit check, minimum loan amount is N20,000, Agent must have been in account relationship with FirstBank for a minimum of 3 months. | Apply through the Firstmonie App by clicking the link and follow the prompts. |
| FirstEdu | This product is designed to offer short-term finance to private schools against domiciliation of school fees to finance working capital, asset finance and operational vehicle finance. | Single Obligor limit is 50% of average termly school fees subject to a maximum of N20 million, Schools without Ministry of Education approval can access up to N2 million, Tenor is 90 to 365 days for working capital and 24 months for asset finance, Eligible school must have a minimum student population of 100, Flexible repayment structure i.e. Principal and accrued interest can be paid termly, School must have been in existence for 24 months |
To Apply for FirstEdu Portal, Visit the any FirstBank Branch near you or contact us now. |
| Firstmonie Agent | Firstmonie Agent Banking is a channel used by FirstBank to bring financial services closed to the unbanked and underbanked segment of the society by empowering existing businesses within the communities to deliver these financial services. |
• Cash Deposit .
|
Visit the FirstBank Branch or Sign up as an Agent here. |
| Firstmonie Wallet |
Firstmonie Wallet is an electronic wallet that allows individuals the convenience of making and accepting payments electronically with their mobile numbers. This is a tool used by developing nations to enable individuals participate more fully in the global financial system. Firstmonie Wallet eliminates the need to carry a physical wallet by storing customers’ payment information securely and compactly. |
• Transfer Funds • Fund Wallet • Airtime/Data Top-up • Bill Payments • Cash In & Cash Out • Corporate Disbursements & Collections • Bet9ja Funding • Virtual Card • Agent Locator |
Customers can onboard Firstmonie Wallet vial the USSD string *894*1# or download the Firstmonie Wallet app on Google and iOS store for Andriod and iPhone users. |
| FirstMobile App | FirstMobile is FirstBank’s mobile banking application developed to provide a number of banking services to our esteemed customers via their internet connected devices. FirstMobile is secure, easy to use and gives you access to your account any day, anytime and anywhere. | • My Accounts • Transfers – Self-linked account – Other FirstBank accounts – Other bank accounts – Saved Beneficiary • Pay Bills • Buy Airtime (Self and Others) • QR payment • Card Services – Credit Cards-view Realtime card balances, fund card, block card and view statement – Debit card enablement for usage abroad – Debit Card Request-Expression Card, Verve Card & MasterCard • Self-Services – Cheque Management-Confirm Cheque & Stop Cheque – Beneficiary Management – Generate Receipt-Transfer and Bills payment • Loan • Lifestyle-Events & Shows, Flight booking, News and Cinema Ticket • Account settings-Change mPIN, Change Nickname, Token Synchronization, share app, Change Transaction PIN, Reset Transaction PIN, Reset Security Questions & Answers and Account on & Off Switch |
Download the FirstMobile from Google Play store or iOS store. |
| FirstOnline | FirstOnline is FirstBank’s Internet Banking platform that provides unrestricted and secure access to your account anytime and anywhere through any internet enabled device. This platform comes with classy features, impeccable user experience, convenient and easy to use. | • Funds Transfer (Intra and Inter) • Download Statement • Bills Payments • Buy Airtime (Self and Others) • Bulk Payments such as salary schedule upload and processing • Register Complaints • Card Management- Request and Block Card • Token Management- Request, Deactivation and Synchronization • Beneficiary Management- (View Beneficiary, Add Beneficiary, Delete Beneficiary) • Multiple Transfers with Single Token (View Beneficiary, Add Beneficiary, Delete Beneficiary) • Recurrent Payment- Initiate standing orders • Approval workflow • Cheque Services – confirm Cheque & stop Cheque • Paypal Registration etc |
Customer can get onboard FirstOnline via 1. Self-Registration: |
| USSD | 894 is a quick, convenient, secure and easy way to perform your banking transactions (transfer money, check balance, buy airtime, pay bills and lots more) anytime and anywhere, using any type of phone without need for internet connectivity or data. | • Airtime Recharge (self & third Party) • Funds Transfer • Data Vending Self • Data Vending Third Party • Account Opening, enrolment and PIN reset • Balance Enquiry • Mini Statement • BVN Enquiry • Self-Opt-out • First Advance • Merchant Payments |
Once you have a FirstBank account with a linked debit card, a phone number profiled for SMS alert and a mobile phone, you are just one dial away from enjoying the unbeatable 894 experience. Simply dial *894*0# to get started! |
| FirstDirect | This is an integrated Transaction Banking Platform that delivers Cash Management and Trade services offerings to corporate customers from a single interface. FirstDirect comprises of Account Services, Payments, Trade, Collections & Receivables, Supply Chain Finance and Liquidity Management modules as well as Host to Host API Integration functionalities. |
Account Services Module Liquidity Management Module |
Engage your Relationship Manager or call +234 700 FIRSTCONTACT (+234 700 34778 2668228), +234 708 062 5000, +234 1 448 5500 |
| Naira MasterCard | FirstBank Naira MasterCard is a Chip and PIN Debit Card which can be used anywhere in the world for transactions wherever the MasterCard logo is displayed. |
• Secured by Chip & PIN technology |
• Customer walks into any FirstBank Branch and requests for Naira MasterCard or • Customer makes request on FirstMobile by clicking Card Services >> Debit card Request >> MasterCard >> Source Account>>>Select State >> Select Branch >> Enter transaction Pin >> Walks up into the selected branch to pick up the Naira MasterCard. |
| Platinum MasterCard | The Verve Prepaid card is a card that can be loaded with a set amount of money and used for ATM, POS and web transactions in Nigeria. | • Secured by Chip & PIN technology • POS/Web limit increase available upon request • Card validity period of 3 years • Naira denominated • Can be personalized to bear cardholder’s name or can be purchased off the shelf • Flexible for co-branding with organizations and corporate bodies |
Customer walks into any FirstBank Branch and requests for Verve Prepaid card. |
| Visa Prepaid | The Visa Prepaid card is a card that can be loaded with a set amount of money and used for ATM, POS and web transactions. | • Secured by Chip & PIN technology • POS/Web limit increase available upon request • Card validity period of 3 years • Naira or Dollar denominated • Can be personalized to bear cardholder’s name • Flexible for co-branding with organizations and corporate bodies |
Customer walks into any FirstBank Branch and requests for Visa Prepaid card. |
| The FirstBank Virtual Card | The Virtual Card is a Naira payment card issued in partnership with Visa International. It is a digital representation of any plastic card, linked to either customer operative account or wallet account. Unlike a plastic card, it does not require any physical representation as it is hosted online | • Naira denominated • Personalized, bears the customer’s name • Accepted for Web transactions across various merchants’ channels seamlessly • Instant card activation • Very affordable card • DIY card issuance |
To get the card on FirstMobile To get the card on the FirstMonie Wallet App |
| Visa Debit Multi-currency card | The FirstBank Visa Debit Multi-currency card is a 4-in-1 card that enables cardholders link up to 4 accounts of Multiple currencies(NGN, USD, GBP and Euro) to one card which can be used anywhere in the world for transactions wherever the Visa logo is displayed. | • Multicurrency card which can be linked to up to four different accounts (Naira, Dollar, GBP and Euro accounts) • It allows cardholders spend Naira from their Naira account and FCY from their domiciliary account • Global Acceptance on ATM, POS and WEB wherever VISA logo is displayed worldwide • CHIP and PIN enabled card with a life span of 3 years • Personalized, bears the customer’s name |
Simply visit the nearest FirstBank branch to request for one. |
| FirstBank Verve Debit Card | The FirstBank Verve debit card is a card enabled with Chip and PIN technology to enable for secure transactions. The card allows the cardholder to conveniently pay for goods and services and is accepted by all ATMs, POS, Web, terminals in Nigeria. | • Chip & PIN secured, for enhanced protection of your funds • Naira denominated • Personalized, bears the customer’s name • Accepted throughout Nigeria, wherever the Interswitch or Verve logo is displayed |
Visit the nearest branch to request for one OR Follow the below steps • Log into FirstMobile • Select Menu • Select Card Services • Debit Card Request • Verve card • Select account of choice • Select State of card pick-up • Select the nearest branch for pick-up • Enter Transaction PIN/Fingerprint • Approve the request • Take note of the code generated. • Visit the pre-selected branch with the code for a speedy pick-up of card. |
| Naira Credit Card | The Naira Credit Card is an international card that provides a revolving credit line and offers up to 45 interest free days on utilized funds. Issued in partnership with Visa International, it is accepted for payment at over 29 million locations and for cash withdrawals at over 1.8 million ATMs in over 200 countries and territories worldwide. |
• Card is denominated in Naira Daily Limit • ATM: NGN 100,000 |
• Relationship manager engages prospect (staff, salary earners, business owners, employees of corporate organizations ,HNIs) and administers forms to be completed OR • Customer walks into branch, engages relationship team and is given forms to be completed. |
| Visa Gold | FirstBank Visa Gold card is an international premium credit card issued in partnership with Visa International. It is accepted for payment at over 29 million locations and for cash withdrawals at over 1.8 million ATMs in over 200 countries and territories worldwide | • Card bears the Visa brand marks (logo and hologram) and can therefore be used anywhere the Visa logo is displayed • Secured with Chip and PIN technology • Card is denominated in US Dollars • Life span of 3years Daily Limit • ATM: $1,000 • POS: $10,000 • Web: $5,000 |
• Relationship manager engages prospect (staff, salary earners, business owners, employees of corporate organizations ,HNIs) and administers forms to be completed OR • Customer walks into branch, engages relationship team and is given forms to be completed. |
| Visa Infinite | The First Visa Infinite is the highest card in the Visa range of card products targeted at the top 1% to 5% of the bank’s customers. In addition to the credit limit availed, it also offers access to the finest things in life no matter where the card holder is by offering an extraordinary selection of distinctive travel, dining, shopping and lifestyle opportunities | • Obligor limit of $15,000 and maximum facility tenor of 36 months • Billing cycle of 30 days • Default Credit Limit: $15,000 minimum (unless a higher limit is requested by the prospective cardholder) • Collateral: 120% of credit limit on USD, GBP or EURO Fixed Deposit Account in the bank, with a lien placed on it throughout the tenor of the card Daily Limit • ATM: $1,000 • Web: $25,000 • POS: $25,000 |
• Relationship manager engages prospect (staff, salary earners, business owners, employees of corporate organizations ,HNIs) and administers forms to be completed OR • Customer walks into branch, engages relationship team and is given forms to be completed. |
| USSD Retail Code Payment |
The retail Payment is a solution which enables FirstBank customers to receive instant payments from anyone using a simple USSD short-code. The transactions are consummated via a mobile phone technology, using text-based interaction between a mobile device and an application platform or financial host. Simply put, this involves the use of a string of numbers to make payments for goods and services using a mobile device. The string of numbers consists of codes, unique IDs and details of the transaction being consummated. |
• Wider acceptance: Anyone can receive payment if cash and debit/credit cards are not available • Instant settlement to account • Zero fee on payments below NGN5,000. • Increased security of payments • Reliable means of transacting business Benefits to the Payer • Convenient way to make payments • Increased security of payments • Reliable means of transacting business • Increased speed of transaction |
Enrolment process : This can be done using the 2 methods below; • DIGITAL INITIATION PROCESS: Customers can self-enroll by dialing *894*99# • BRANCH INITIATION PROCESS: An intending USSD beneficiary approaches the bank and fills a registration form which is then logged on Moneytor by an RM and approved by the BM. |
| ATM |
FirstBank ATM cater for the financial services needs of its customers and in line with its strategy to drive convenience and ease in banking. The Bank’s ATMs have unique functional features which include bills payment, cash transfer, air-time top-up, cash deposit among others. The bills payment option is the non-cash transaction feature on the ATM that makes it easier for customers to pay for bills such as Cable TV subscription, post-paid phone bills, and pre- booked airline tickets. These transactions can be executed through the Quickteller option on any of the Bank’s ATMs. The Transfer feature enables customers to transfer money from their accounts to both intra (within FirstBank) and interbank (other banks) accounts, thereby reducing the queues in the banking hall, saving time as well as providing a more convenient option for customers’ money transfer needs. The Bank’s ATMs also provide the platform for convenient and easy top-up. To further enhance convenience, FirstBank’s ATMs operate the Cash Deposit function which allows customers to deposit funds without customarily having to enter a banking hall for this transaction. The Bank’s ATMs are also equipped with cardless functionality that makes it easier for non-bank customers to deposit or withdraw money from the ATMs without a Debit card. This is a direct testament to its value proposition of putting customers first. |
• Cash Withdrawal • Account Balance Enquiry • Mini-Statement • Pin Change • Fund Transfer • Airtime Top-up • Bills Payment • Cash Deposit (on multi-function ATMs only) • Account opening • Cardless Withdrawal (PayAttitude) • Bulk Withdrawal |
The cardless withdrawal feature enables customers to withdraw cash from the ATM without the use of card. * The Cash withdrawal feature enables customers to withdraw cash from their FirstBank or third party account from our ATM terminal. * Customers can enquire the balance on the account(s) linked to their card using the Account Balance Enquiry fearture on the ATM. |
