What is the official website of the payment service?
https://www.stanbicibtcbank.com
https://www.stanbicibtcbank.com
Visit the "Contact Us" page at the bottom of the official website homepage for all support contact information.
+234 700 909 909 909
Stanbic IBTC does not list a toll-free support number; calls may incur standard telecom charges.
Yes, Stanbic IBTC provides specialized emails for products and departments, such as pensions, asset management, and insurance.
Online chat is available on the official website via the "Contact Us" or "Live Chat" section when logged in.
Online chat availability is generally during business hours; 24/7 support is not specified.
Stanbic IBTC offers WhatsApp support at +234 908 738 8899; Telegram support is not indicated.
Support is typically available Monday to Friday from 8:00am to 5:00pm, with some channels open on Saturdays.
Limited support may be available on Saturdays; holiday support hours vary and are generally reduced.
Branch network across Nigeria provides regional offices for in-person visits and banking services.
Offices are located nationwide; the headquarters is at 5, Alfred Rewane Road, Ikoyi, Lagos.
Personal meeting scheduling is available by appointment through phone, email, or in-branch requests.
Stanbic IBTC is focused on Nigeria; international representation is through parent company Standard Bank.
Support is available in English; local Nigerian languages may be offered depending on region and staff.
Response times vary per channel; phone and chat typically respond within minutes, while email may take up to 24 hours.
VIP and premium banking clients receive prioritized support with dedicated relationship managers.
Callback requests are available via online forms, phone, or through the customer care email.
Stanbic IBTC was established in February 1989.
Founded by Atedo Peterside; Stanbic IBTC is owned by Stanbic IBTC Holdings, a subsidiary of Standard Bank Group.
Nigeria
Stanbic IBTC originated from IBTC Chartered Bank, merged with Stanbic Bank Nigeria in 2007, and expanded into banking, pensions, asset management, and insurance.
Major rebranding occurred in 2007 after the merger and consolidation under Stanbic IBTC Holdings PLC.
The board consists of experienced financial professionals led by key executives like Demola Sogunle (CEO); other directors include Adekunle Adedeji, Remy Osuagwu.
Stanbic IBTC is publicly traded with institutional investors and is a part of Standard Bank Group, which partners with global financial companies.
Yes, Stanbic IBTC Holdings PLC is listed on the Nigerian Exchange (NGX).
Market capitalization fluctuates; as of 2025, Stanbic IBTC Holdings’ value is available on the NGX website.
Subsidiaries include Stanbic IBTC Bank, Asset Management, Pension Managers, Insurance, Capital, Stockbrokers, and Trustees.
Licensed by the Central Bank of Nigeria (CBN), regulated for banking, asset management, pensions, insurance, and securities.
Stanbic IBTC operates officially in Nigeria.
Stanbic IBTC does not publicly list licenses for cryptocurrency operations.
Compulsory AML/KYC compliance as per CBN regulations, with procedures for client identification and transaction monitoring.
Holds security certificates relevant to banking, including PCI DSS for card transactions and ISO standards for data security.
Regular security audits are conducted internally and by external auditors to comply with regulatory and industry standards.
Deposit insurance is provided under NDIC for client funds; certain products may have additional insurance.
Compliance with PCI DSS, ISO/IEC 27001, IFRS accounting standards, and CBN regulatory frameworks.
Any fines or violations are disclosed on the regulator’s website; no major recent penalties are publicly noted.
Reviews can be found on Google, Trustpilot, Facebook, and Nairaland forums.
Common complaints include delays in transaction processing, ATM dispensations, app glitches, and customer support responsiveness.
Users praise efficient account management, responsive online platforms, diverse services, and reliable banking infrastructure.
Occasional complaints about ATM and app withdrawal processing delays have been reported, typically resolved within a few business days.
The interface is recognized as user-friendly and easy to navigate, especially for banking and bill payments.
Most users are satisfied, though peak times may see minor processing delays.
Stanbic IBTC is generally recommended by users for its service quality and product variety.
Industry experts recognize Stanbic IBTC for robust banking infrastructure, regulatory compliance, and secure processes.
Stanbic IBTC has received numerous banking awards, including “Best Bank in Nigeria” and excellence awards in pensions and asset management.
Frequently included in Nigerian and African financial service rankings, recognized for strong market presence.
Regulators such as CBN endorse Stanbic IBTC’s platforms as licensed, secure, and compliant with standards.
Partners recognize Stanbic IBTC for reliability, professional standards, and prompt payments in merchant services.
Stanbic IBTC is recognized for investments in fintech, digital banking solutions, and innovative product offerings.
Holds certifications for service quality, including ISO and PCI for particular products and services.
Regularly participates in Nigerian and African fintech, finance, and banking conferences as a speaker and sponsor.
Stanbic IBTC positions itself as a one-stop financial solution leader, emphasizing innovation, security, and customer satisfaction.
Nigerian Naira (NGN) is the primary supported currency; limited foreign currency services exist for eligible accounts.
Cryptocurrencies are not currently supported for payment or transaction services.
Stanbic IBTC does not have a proprietary cryptocurrency or token.
Currency conversion is available for select customers through designated foreign exchange products.
Exchange rates are sourced from the CBN and market rates, displayed prior to transaction completion.
Exchange rates are updated at regular intervals based on market fluctuations, typically daily.
Stablecoins are not supported for account or payment services.
Limited support for select foreign currencies in specialized accounts; exotic currencies are generally not available.
Currency services are restricted to Nigeria; some foreign currency transactions may be limited by CBN regulations.
Stanbic IBTC supports intra-bank, inter-bank, international remittances, mobile money, and bill payments.
Yes, peer-to-peer transfers are available within Stanbic IBTC accounts.
Transfers can be made to bank cards issued by Stanbic IBTC and other banks as per Nigerian regulations.
Yes, funds can be transferred to local and select foreign bank accounts using standard procedures.
Stanbic IBTC offers bill payments for utilities, mobile recharge, cable TV, and other major Nigerian billers.
Recurring payments can be set up for regular bills and certain account transactions.
Automatic transfers are supported via standing orders and scheduled payments.
Payment scheduling features are offered via online banking and the mobile app platforms.
Group or bulk payments are handled for business customers and corporate payroll; not typical for retail banking.
Payment link generation is not a core feature for personal accounts but may be available for merchant solutions.
Minimum transactions are typically NGN100; specifics may vary by product or channel.
Maximum transfer limits depend on account verification, channel, and regulatory caps; usually up to several million Naira daily.
Daily transaction limits are set by account type, verification status, and CBN guidelines.
Monthly and annual limits depend on account type, regulatory and KYC status; premium account holders may access higher limits.
Limits can be increased through enhanced KYC verification and agreement with the bank.
Verified (full KYC) users have higher transaction limits compared to unverified or low-KYC accounts.
New accounts face limited features and lower transaction limits until full verification is completed.
Stanbic IBTC operates in Nigeria; foreign limits apply to cross-border accounts subject to local laws.
Accounts and operations may be temporarily blocked for security checks, suspected fraud, or regulatory review.
Transaction count limits are enforced to prevent fraud and comply with regulatory requirements.
Minimum funding amounts vary by channel but usually start from NGN100 by cash or transfer.
Supported funding methods include cash deposit, ATM deposit, bank transfer, mobile app recharge, and cheque deposit.
Funding is normally free for cash deposits; electronic funding may incur nominal fees for third-party services.
Minimum funding thresholds typically start at NGN100; specifics depend on the chosen method.
Funds are credited instantly or within a few hours for most channels; cheques may take longer to clear.
Withdrawals can be performed via ATMs, in-branch, mobile app, or transfer to other bank accounts.
Withdrawal fees apply to non-network ATMs and transfers; standard fees are listed on the website and app.
ATM and mobile withdrawals are instant; bank transfers may take several hours to 1 business day.
Withdrawal limits depend on account type, channel, and KYC status; ATMs generally have daily caps of NGN150,000-NGN300,000.
Card funding typically credits instantly or within minutes.
Bank transfers within Nigeria are usually processed within hours, up to 1 business day for most banks.
Cryptocurrency transfers are not supported.
Intra-bank transfers between Stanbic IBTC accounts are processed instantly.
Some delays may occur on weekends due to settlement cycles, but many digital channels work 24/7.
Public holidays can slow down processing for non-digital or in-branch transactions.
Accelerated processing is not a standard feature; expedited service may be offered for select transactions and products.
Transaction channel, method, verification level, and regulatory review can influence processing speed.
Real-time notifications and alerts are sent via SMS, email, and app push notifications for funding status.
Contact customer support with transaction details and proof; troubleshooting starts within 24 hours.
Requests are processed instantly for ATMs and mobile app; bank transfers may take up to 24 hours.
Card withdrawals at ATMs are instant; other card withdrawal methods may take up to 1 business day.
Most bank transfers are settled within the same day but may take 1 day depending on interbank systems.
Cryptocurrency withdrawals are not available.
Minimal delays may occur during weekends depending on the chosen withdrawal channel.
Holidays may impact withdrawal speed for in-branch and non-electronic channels; ATMs and digital channels often remain unaffected.
Expedited withdrawal service is generally unavailable; premium clients may request faster processing from relationship managers.
Withdrawal channel, account verification, regulatory reviews, and transaction method impact processing times.
Withdrawal status notifications are sent via SMS, app, and email.
Cancellation is possible prior to processing initiation; contact support promptly for assistance.
Register through the website, mobile app, or in-branch, providing required personal and contact details.
Full name, date of birth, address, ID document, phone number, and email are typically required for registration.
Email is generally required; alternate channels may allow registration without email for specific account types.
Phone verification via SMS is required to activate and secure accounts.
Minimum age is 18 years for opening bank accounts; minor accounts are available with guardian supervision.
Corporate and business accounts require company registration documents and directors’ information.
Accurate, up-to-date personal or company information is mandatory for registration and compliance.
Only Nigerian residents or entities may register for accounts; foreign nationals are eligible for specific account types.
Account activation is typically immediate upon documentation and verification; additional checks may add time.
Levels include basic KYC, full KYC, and enhanced due diligence for higher account limits and products.
Valid government ID, proof of address, and photo are required for basic verification.
Additional documents for enhanced verification may include income proof, tax documents, and business registration.
Digital copies (scans or photos) are accepted for online registration and verification.
Verification generally takes a few hours to 1 business day.
Limited services only; full-feature access requires completed verification.
Unverified users have lower transaction limits and restricted access to products.
Address confirmation may be required for enhanced account services.
Selfie photo with documents may be requested for certain account types and online verification.
Documents should be updated when expired or upon regulatory request.
Uses SSL/TLS, PCI DSS-level encryption, and advanced cybersecurity measures for data transmission and storage.
Two-factor authentication is supported via SMS, app, or token for account access and transactions.
SMS confirmations are used for critical operations and identity verification.
Biometric login options, including fingerprint and face ID, are available in mobile apps.
Blockchain is not used in Stanbic IBTC’s core payment service platform.
Multi-layered security architecture includes firewalls, encryption, fraud monitoring, and user authentication.
Personal data is protected via data encryption, secure storage, and privacy policies compliant with Nigerian regulations.
Not applicable, as cryptocurrencies are not supported.
DDoS mitigation systems are in place to ensure service availability and protect user accounts.
Regular internal and external audits are performed to maintain industry and regulatory standards.
Anti-phishing tools include customer education, transaction alerts, and email/SMS verification.
Real-time monitoring systems use algorithms to detect and flag suspicious activity.
Implementation of automated AML monitoring, reporting suspicious transactions to CBN, and adherence to global best practices.
Yes, suspicious accounts are blocked pending investigation for fraud or regulatory issues.
Immediately report to customer support, freeze account if needed, and submit supporting documents for investigation.
Use phone, email, or in-branch channel to report; online forms available on the official website for reporting.
Compensation may be granted after investigation; deposit insurance may cover losses up to specified limits.
Users can dispute transactions with the bank via formal complaints; investigation follows, with outcomes communicated promptly.
Submit appeal through email, in-branch, or via customer care channels; review is conducted by compliance department.
Coverage may exist for critical infrastructure and losses; client fund insurance is provided under NDIC.
Transfer fees vary by channel and amount; detailed fee structures are published on the website.
Most funding methods are free; third-party charges may apply for some channels.
Withdrawal fees apply for ATM use outside the Stanbic IBTC network; branch withdrawals may be free or incur charges.
Currency conversion incurs charges, disclosed at transaction time.
Account inactivity fees are not standard; dormant accounts may attract management fees.
Standard monthly maintenance fees apply based on account type; fees are itemized on the website.
Fees depend on transaction type; some cancellations incur charges as per bank terms.
Expedited service fees may apply to select high-value or urgent transactions.
All fees are disclosed clearly; transparent fee structure is maintained to comply with regulations.
Large transaction fees are calculated based on tiered percentages; capped fees apply for very high amounts.
Multiple tariff plans for personal, business, and corporate clients are available.
VIP status offers higher limits, personalized service, priority support, and exclusive product access.
Apply for premium account or qualify through activity and asset thresholds as defined by Stanbic IBTC.
Some account types allow quota of free transactions monthly; exact number depends on tariff.
Volume-based or frequency-based discounts may be offered to active users.
Corporate accounts enjoy specialized tariffs, reduced fees for bulk payments, and custom pricing.
Individual pricing can be negotiated for high-net-worth or corporate clients.
Periodic promotions and codes are announced for fee reductions or rewards.
Cashback offers exist for select card transactions and merchant payments.
Transaction volume discounts are available for corporate and premium users.
Yes, the official Stanbic IBTC mobile app is available.
The mobile app is available for iOS and Android devices.
Functions include account management, payments, transfers, airtime recharge, bill payments, transaction history, and support.
The mobile app offers similar but streamlined functionality compared to the web platform.
Touch ID and Face ID are supported for secure login on compatible devices.
The application requires internet for most functions; limited offline features are not standard.
Push notifications alert users to successful/suspicious transactions and important account information.
Dark mode is supported in the latest mobile app versions.
Updates are released regularly with new features, security patches, and improvements.
Beta versions may be offered for early access to upcoming features; check app store/store website for details.
The web interface is recognized as modern, user-friendly, and efficient.
Yes, responsive design ensures usability on smartphones, tablets, and desktops.
The main language is English; local adaptations may be present but are not primary.
Night mode/dark theme is available on the web portal.
Hotkey shortcuts are limited but available for main navigation features on the web platform.
Data export is supported in formats such as PDF, CSV, and print for statements and reports.
Developer API access is available for business clients and integration partners.
Integration is offered for payroll, billers, and select fintech products.
The web platform is updated regularly for security, stability, and feature improvements.
Virtual cards are provided for secure online transactions.
Disposable/temporary card issuance is available for enhanced security on e-commerce platforms.
Multi-currency accounts are available for business and select individual clients.
A wide range of investment products are offered including mutual funds, securities, and fixed income instruments.
Interest is earned on qualifying savings and investment accounts.
Personal loans, business loans, and consumer credit products are available.
Peer-to-peer trading is not a standard feature; traditional banking products are primarily supported.
Cryptocurrency buy/sell services are not available.
Merchant acquiring and payment gateway services are offered for businesses.
Mass payout capabilities exist for payroll and corporate bulk payments.
Loyalty programs are available, primarily through card rewards and merchant partnerships.
Points are earned via qualifying transactions, card usage, and promotional campaigns.
Cashback is offered for select card and merchant transactions.
Referral programs periodically reward users for bringing new clients.
VIPs receive exclusive access, priority service, enhanced limits, and personalized financial advice.
Seasonal promotions, including discounts and rewards, are regularly provided.
Premium and VIP status can be purchased or awarded based on account activity.
Partner merchants offer discounts for Stanbic IBTC cardholders and account users.
Corporate clients enjoy loyalty and reward programs tailored to business needs.
Gambling transactions are typically restricted; consult the bank for specific allowed operations.
Strict policies may restrict or block online gambling transactions in compliance with Nigerian regulations.
Accounts may be blocked if gambling transactions violate terms or regulations.
The bank takes a cautious approach, following regulatory advisories on gambling transactions.
No special conditions are advertised; all gambling transactions must comply with laws and terms.
Transactions are monitored; flagged activity may prompt compliance review.
Transaction privacy is standard, but regulation may require disclosure and reporting of gambling transactions.
Expense notifications can be configured; specific gambling expense alerts may not be standard.
Fees for gambling transactions may apply and are detailed during processing.
Spending limits can be set; self-control tools are available in some account types.
Self-exclusion from gambling transactions may be available on request.
Access may be blocked in accordance with internal policy or regulatory requirements.
Expense controls and spending reports help manage gambling expenditures.
Alerts are sent when set limits are exceeded, including for gambling-related spending.
Yes, gambling-related transactions can be blocked on request or via compliance flags.
Analytics are available for account expenditures; gambling-specific reports may be generated on demand.
Cooling-off period features can be requested for gambling control.
Referrals to relevant support organizations may be provided on request.
Partnerships with gambling addiction support organizations are not standard, but resources are accessible.
Set via account management on the web/app or contact customer support for tailored alerts.
Acceptance varies; check individual Nigerian casino sites for Stanbic IBTC payment options.
No specific exclusive partnerships with casinos are advertised.
Transaction conditions may differ based on casino and payment channel policies.
Bonuses for casino payments are not advertised; users should verify with casino platforms.
Deposits and withdrawal options depend on casino policies and bank terms.
Geographic restrictions may apply; Nigerian law limits permitted transactions with foreign casinos.
Casino transactions are processed as standard bank transfers or card payments, subject to compliance.
Processing is usually within hours; delays can occur due to compliance reviews.
Additional fees may apply; users should consult the casino's payment terms.
Compatibility is generally good, but specific casinos may have procedural or compliance-related issues.