What is the official website of the payment service?
https://www.suntrustng.com
- Direct message
- Leave a review
- Bookmark
- Share
- Report
- prev
- next
Where can I find the customer support contacts?
Customer support contacts can be found on the Contact Us page at the bottom of the official website.
What is the hotline phone number?
+234-700-000-2233
Is there a toll-free support number?
Toll-free support numbers are not commonly offered; most Nigerian banks provide standard hotlines.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
No specific department emails provided; Nigerian banks typically have a general support email, with phone lines or forms for specific concerns.
Where can I find the online chat support?
Online chat support is generally accessed via the official website if available; some banks offer web chat widgets or mobile app chat functions.
Does the chat support work 24/7?
Chat support is usually available during business hours; 24/7 chat is rare among Nigerian banks.
Is there support through messengers (Telegram, WhatsApp)?
Messenger support may include WhatsApp business contact if provided on the website, but is not standard.
What are the support working hours?
Support typically operates Monday to Friday, 8:00am to 6:00pm, and may have reduced hours on weekends.
Does support work on weekends and holidays?
Weekend support is often limited; holiday hours depend on national public holidays and may be reduced.
Are there regional offices for in-person visits?
Physical branches are available in major cities and regions for in-person banking services.
Where are the physical offices located?
Main office is at 1 Oladele Olashore Street, Victoria Island, Lagos, with branches in select cities.
Can I schedule a personal meeting?
Meetings can be scheduled by contacting customer support or visiting a branch in person to arrange appointments.
Are there representatives in different countries?
Nigerian banks mainly operate domestically; international offices are uncommon except for partnership locations.
In which languages is support available?
Support is primarily available in English; some regional staff may assist in local Nigerian languages.
How quickly does support respond to requests?
Email and online requests are generally answered within 1-2 business days; phone inquiries respond in real time during working hours.
Is there a priority system for VIP clients?
Dedicated account managers and priority service lines are typically afforded to premium and VIP clients.
Can I request a callback?
Callbacks can be requested through customer service forms or hotline requests when call volumes are high.
When was the payment service founded?
SunTrust Bank Nigeria was founded in 2015.
Who is the founder and owner of the service?
SunTrust Bank was established by Muhammad Jibrin, with ownership as a Nigerian public limited company.
In which country is the company registered?
Nigeria
What is the development history of the payment service?
Founded in 2015, SunTrust Bank received commercial banking license from CBN in 2016, expanding services and digital banking operations since.
Have there been major updates or rebranding?
There have been digital banking enhancements and product launches but no major rebranding events publicly documented.
Who sits on the company's board of directors?
SunTrust Bank’s board includes Muhammad Jibrin (CEO/MD); other members are listed on the official website and annual reports.
Are there investors or partners in the service?
Investors include Nigerian individuals and institutions; partners may include payment processors, tech companies, and merchants.
Does the company participate in stock trading?
SunTrust Bank is not currently listed on the Nigerian Stock Exchange.
What is the company's market capitalization?
Market capitalization is not applicable as SunTrust is not publicly traded.
Are there subsidiary companies or branches?
SunTrust Bank operates branches within Nigeria, with service centers in major cities.
What licenses does the payment service have?
Licensed by the Central Bank of Nigeria as a commercial bank under Nigerian banking regulations.
In which jurisdictions does the service operate officially?
Operations are officially in Nigeria with potential for international remittance partnerships.
Are there licenses for cryptocurrency operations?
No cryptocurrency-specific licenses; conventional banks in Nigeria rarely offer crypto services due to regulatory constraints.
Does the service comply with AML/KYC requirements?
AML and KYC compliance is mandatory for all Nigerian banks, including verification and anti-fraud protocols.
Are there security certificates (PCI DSS, etc.)?
Compliance with PCI DSS for card operations and use of standard SSL certificates is typical for secure transactions.
Has the service undergone security audits?
Security audits are conducted regularly by internal teams and external auditors as required by regulation.
Is there insurance for client funds?
Deposits are insured by the Nigeria Deposit Insurance Corporation (NDIC), up to limits specified by regulation.
Which international standards does it comply with?
Compliance includes ISO standards for banking, PCI DSS, NDIC, and regulatory guidelines from CBN.
Have there been any regulatory fines or violations?
No notable regulatory violations or major fines have been publicly disclosed for SunTrust Bank.
Where can I find real reviews about the service?
User reviews can be found on Google Reviews, Trustpilot, social media, and banking forums.
What are the main user complaints?
Common complaints include app bugs, slow customer service response, or delays in fund transfers typical to sector.
What do users most often praise the service for?
Users often praise digital banking convenience, personalized service, and easy account opening.
Are there issues with fund withdrawals?
Withdrawal delays can occur due to network or verification issues, similar to typical banking industry scenarios.
Is the interface convenient according to users?
Users report user-friendly interfaces for both web and mobile banking apps.
Are clients satisfied with transaction speed?
Most users express satisfaction with transaction speeds for standard operations; delays reported only in exceptional cases.
Do users recommend this service?
Many users recommend SunTrust for personal banking needs and digital products.
How do experts assess the service's reliability?
Experts assess reliability as strong, with adherence to CBN standards and ongoing system upgrades.
Are there industry awards and recognitions?
SunTrust has earned awards in digital banking and SME banking sectors in Nigeria.
Does the service participate in payment system rankings?
SunTrust participates in industry reports and rankings in Nigerian banking sector.
Are there recommendations from financial regulators?
Recommendations from CBN and NDIC support regulatory compliance and operational transparency.
What reputation does the service have among partners?
The bank is regarded as trustworthy and innovative among business partners and merchants.
How do they evaluate solution innovation?
SunTrust receives recognition for digital innovation, fintech partnerships, and mobile banking features.
Are there quality service certificates?
Service quality certifications may include ISO and compliance badges required by banking regulators.
Does the company participate in industry conferences?
SunTrust attends and speaks at local and regional banking industry events.
How does the service position itself in the market?
SunTrust positions as a forward-thinking, customer-oriented digital bank with a focus on SMEs.
Which fiat currencies does the service support?
Nigerian Naira (NGN) is the primary supported currency; USD may be offered at select branches.
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrencies are not directly supported due to Nigerian regulations.
Is there a proprietary cryptocurrency or token?
There is no proprietary token or cryptocurrency issued by SunTrust Bank.
Can currencies be converted within the service?
Standard currency conversion for NGN to USD or other major currencies may be available in select branches.
What exchange rates are used for conversion?
Exchange rates are typically set by the Central Bank of Nigeria and may include market adjustments.
How often are exchange rates updated?
Rates are updated daily or in real-time based on market and regulatory data.
Are stablecoins supported?
Stablecoin support is not available as Nigerian banks do not operate crypto exchange services.
Can exotic currencies be handled?
Exotic currency handling is generally limited to major FX at select branches.
Are there currency restrictions in different countries?
Nigerian banking regulations restrict foreign currency and cross-border transactions based on jurisdiction.
What types of transfers does the service support?
Supports local transfers, interbank, ATM, international remittances (via partners), and digital payments.
Can transfers be made between service users?
Yes, person-to-person transfers are supported within SunTrust network.
Are transfers to bank cards supported?
Transfers to debit or prepaid cards may be available for local accounts.
Can money be transferred to bank accounts?
Yes, transfers to Nigerian bank accounts and partner institutions are supported.
Is bill payment available?
Bill payment for utilities and services is offered through online and mobile channels.
Are recurring payments supported?
Recurring payment setup is available for regular bills and subscriptions.
Can automatic transfers be set up?
Automated scheduled payments and standing orders are supported for bank accounts.
Is payment scheduling available?
Payment scheduling is available for future dated transactions.
Are group payments supported?
Group or shared payments may be possible via online banking features.
Can payment links be created?
Payment link creation is less common; merchant tools may offer this feature for businesses.
What are the minimum transaction amounts in the service?
Minimum transaction amounts depend on product and payment type; typically NGN100 for retail digital payments.
What are the maximum amounts that can be transferred?
Transfer ceilings vary by account type; limits are set by CBN and may be up to millions of NGN for business accounts.
Are there daily limits on operations?
Daily limits apply and depend on account type and verification.
What monthly and annual limits are in effect?
Limits are set per regulation and differ by customer type and account status.
Can limits be increased? How?
Limits can be increased by providing further verification and documentation at branch or via customer service.
Do limits differ for verified users?
Verified users benefit from higher transaction limits and more service options.
Are there restrictions for new accounts?
New accounts usually have lower transfer and withdrawal limits until full verification is completed.
Do special limits apply in different countries?
Geographic limits apply for international transfers per regulatory and compliance rules.
Can operations be temporarily blocked?
Temporary suspensions are possible due to suspicious activity, compliance checks, or user requests.
Are there limits on the number of daily operations?
There may be limits on daily transaction counts set according to account terms and risk policies.
What are the minimum amounts for account funding?
Minimum deposit may be NGN1,000 for new accounts or as specified by account type.
What methods of funding are supported?
Account funding via cash deposit, bank transfer, USSD, mobile app, or ATM is available.
Are there fees for funding?
Cash deposits to own account are usually free; transfers from other banks may incur fees.
What are the minimum funding amounts?
Minimum funding requirements vary by account product; often at least NGN1,000 for basic accounts.
How quickly are funds credited when funding?
Most deposits appear instantly within banking hours; interbank transfers may take longer.
How can money be withdrawn from the system?
Withdrawals via ATM, over-the-counter, mobile banking, or electronic transfer are supported.
Are there fees for fund withdrawal?
ATM withdrawals may incur small fees; electronic or branch withdrawal fees depend on transaction size.
How long does withdrawal take?
ATM withdrawal is instant; interbank or online transfer may take a few minutes to 24 hours.
What withdrawal limits are set?
Withdrawal limits are set by account type, regulatory policy, and customer verification.
How quickly are funds credited when funding with a card?
Card funding is typically instant or within a few minutes.
How long does a bank transfer take?
Bank transfers are processed within banking hours, usually same day if initiated early.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported.
Are transfers between users instant?
Internal transfers are usually immediate or within minutes.
Are there delays when funding on weekends?
Weekend processing delays can occur with interbank transfers and non-automated funding.
Do holidays affect funding speed?
Holiday hours may slow down or defer banking operations and funding times.
Can crediting be accelerated for a fee?
Express processing for large transactions may be available for an extra fee if offered.
What determines the speed of funding processing?
Funding speed depends on method, network load, and compliance approval.
Are there notifications about funding status?
SMS and email alerts are sent for deposits, withdrawals, and account activity.
What to do if funding takes too long?
Contact customer support with transaction details and reference number; escalation to branch support may help.
How quickly are withdrawal requests processed?
Withdrawal requests are typically processed within minutes to a few hours.
How long does card withdrawal take?
Card withdrawals via ATM are processed instantly; online card withdrawals may take up to 24 hours.
How quickly do bank transfers arrive?
Bank transfers are credited same day if processed during business hours but may take up to 24 hours.
Are cryptocurrency withdrawals instant?
Not applicable; service does not support cryptocurrency withdrawals.
Are there withdrawal delays on weekends?
Some withdrawal methods may have delays on weekends, especially non-ATM transactions.
Do holidays affect withdrawal speed?
Withdrawals may be delayed due to reduced bank operations during holidays.
Can withdrawal be accelerated for an additional fee?
Expedited withdrawal may be offered for business clients or large transfers, with a fee.
What determines withdrawal processing time?
Compliance checks, transaction value, verification, and funding source influence withdrawal speed.
Are there notifications about withdrawal status?
SMS and email notifications are standard for withdrawal confirmation and status updates.
Can a withdrawal request be canceled?
Withdrawals initiated electronically may be canceled before processing via online banking or branch request.
How to register with the payment service?
Registration can be done online or at a branch by filling account opening forms and providing required documentation.
What data is needed to create an account?
Name, address, date of birth, phone number, BVN, ID, and proof of address are required.
Can registration be done without email?
Registration may be possible with phone verification, especially for basic account products.
Is phone confirmation required during registration?
Phone number and BVN verification is required for account activation.
Are there age restrictions for registration?
Minimum age for account opening is usually 18; exceptions apply with guardian consent.
Can a corporate account be created?
Corporate account setup requires business documentation, TIN, and authorized signatures.
Is it required to provide real data?
Real personal information is mandatory for KYC compliance.
Are there country restrictions for registration?
Account opening is restricted to legal residents and citizens of Nigeria.
How long does account activation take?
Account activation is typically completed within 1 business day if documents are in order.
What verification levels exist?
Basic, full, and corporate verification levels exist; higher tiers require more documentation.
What documents are required for basic verification?
Government-issued ID, proof of address, and BVN are minimum requirements.
Are documents needed for full verification?
Full verification requires additional documents, such as utility bills and employment details.
Are digital copies of documents accepted?
Digital copies and scanned uploads are accepted for online applications.
How long does the verification procedure take?
Verification is usually processed within 1-2 business days.
Can the service be used without verification?
Some limited services may be accessible pre-verification but with strict transaction caps.
What restrictions apply to unverified users?
Unverified users have limited transaction and withdrawal abilities until full KYC.
Is address confirmation required?
Yes, physical or digital address proof is required for most account types.
Is a selfie with documents required?
Photo verification may be requested for online account setup.
How often do documents need to be updated?
Documents must be updated when expired or upon regulatory review, usually every few years.
What encryption technologies does the service use?
SunTrust Bank and peers use SSL, TLS, and AES encryption for securing digital platforms.
Is two-factor authentication supported?
2FA is available for mobile banking and online services, enhancing account security.
Are there SMS confirmations for operations?
SMS confirmations are used for transaction alerts and OTP verifications.
Is biometric authentication supported?
Mobile app supports fingerprint login; facial recognition may be available on select platforms.
Is blockchain technology used?
Blockchain is not implemented in conventional banking operations due to regulation.
Is there a multi-level security system?
Multiple layers including 2FA, encryption, firewalls, and transaction monitoring are deployed.
How is user personal data protected?
Personal data is secured following Nigerian Data Protection Regulation (NDPR) and global privacy practices.
Is cold storage used for cryptocurrencies?
Not applicable; no cryptocurrency services offered.
Is there DDoS attack protection?
Web and app servers are protected with standard DDoS mitigation tools and cloud firewalls.
Are regular security audits conducted?
Regular internal and external audits are required by law and performed periodically.
What anti-phishing protection measures are provided?
Anti-phishing training, warning banners, and transaction verification are standard features.
Is there a suspicious activity detection system?
Transaction monitoring and fraud detection systems are employed for identifying suspicious activity.
How does the service combat money laundering?
Enhanced due diligence, transaction screening, and regulatory reporting are enforced.
Is there blocking of suspicious accounts?
Accounts showing suspicious activity are flagged and temporarily blocked pending investigation.
What to do when fraud is detected?
If fraud is detected, report immediately via hotline, and visit a branch for further resolution.
How to report suspicious activity?
Suspicious activity should be reported by calling customer support or submitting details via the official website contact form.
Is there compensation for damage from fraudsters?
Compensation is possible pending investigation; outcome depends on case findings and bank policy.
What user rights exist for disputed transactions?
Users can dispute transactions by contacting support, filling a complaint form, and requesting resolution under CBN rules.
How to dispute account blocking?
Submit an appeal through customer support, provide necessary documentation, and await review by compliance team.
Is there insurance against cyber attacks?
Nigerian banks typically have cyber liability insurance and NDIC coverage for deposit safety.
What fees does the service charge for transfers?
Transfers incur fees per CBN schedule; amounts vary by transfer type and channel.
Are there fees for account funding?
Fees may be charged for third-party deposits or transfers from other banks.
Are fees charged for fund withdrawal?
Withdrawal fees are applied at ATMs, branches, and may vary by channel and amount.
Are there fees for currency conversion?
Currency conversion attracts bank-defined fees and margin on exchange rates.
Are there fees for account inactivity?
Account inactivity fees are rare but may apply after extended periods of dormancy.
Are there account maintenance fees?
Some account types incur monthly maintenance fees; details are available in the bank’s tariff booklet.
Are fees charged for operation cancellation?
Transaction reversal fees may apply depending on operation status and timing.
Are there fees for expedited operations?
Express transaction fees may be applied for urgent payment and transfer requests.
Are there hidden fees?
Transparency policies require full disclosure of all fees in official documentation and tariffs.
How are fees calculated for large amounts?
Large transaction fees are calculated as a percentage or tiered fee per amount transferred.
Are there different tariff plans in the service?
Tariff plans vary for personal, SME, and business accounts, with fee schedules published online.
What advantages does VIP status provide?
VIP clients enjoy higher limits, dedicated support, personalized offers, and expedited service.
How to get preferential conditions?
Preferential terms are provided for VIP, corporate, or high-activity clients upon request and qualification.
Are there free operations per month?
Some accounts provide free ATM withdrawals or electronic transfers up to a monthly threshold.
Are there discounts for active users?
Loyalty and volume-based discounts may be offered to frequent users and corporate clients.
Are there corporate tariffs?
Special tariffs are available for business clients, with features for payments, collections, and payroll.
Can individual conditions be obtained?
Custom pricing and individual terms are negotiable for business clients and VIP customers.
Do promotional codes work for fee reduction?
Promotional codes may be occasionally offered during marketing campaigns and fee reduction periods.
Are there cashback programs?
Cashback rewards for card and bill payments may be provided on select products.
Are there discounts for transaction volumes?
Volume-based discounts are offered to corporate customers processing large payment amounts.
Is there an official mobile application?
Yes, SunTrust Mobile is available for iOS and Android devices.
On which platforms is the application available?
Android and iOS
What functions are available in the mobile application?
Account management, transfers, bill payments, transaction alerts, and card services are supported.
Does functionality differ from the web version?
Mobile app and web have similar features; physical document uploads may require web platform access.
Is Touch ID/Face ID supported?
Biometric login via fingerprint and Face ID is supported on compatible devices.
Can the application work offline?
Most features require internet access; offline balance view may be available.
Are there push notifications about operations?
Push notifications for transactions, account activity, and updates are enabled in the app.
Is dark theme supported?
Dark mode may be offered depending on app version and device support.
How often is the mobile application updated?
Updates are generally released every few months or as required by regulatory or user feedback.
Are there beta versions of the application?
Beta testing programs may be available for select users during major releases.
Is the web interface of the service convenient?
Web platform is designed for clarity and ease of use in line with industry standards.
Is responsive design supported?
Responsive web design is supported for usability across devices.
In which languages is the interface available?
English is the default interface language.
Is there a night mode for the website?
Night mode may be offered as a feature in recent website updates.
Are hotkeys supported?
Keyboard shortcuts and accessibility features may be available for rapid navigation.
Can data be exported?
Account statements and transaction history can be exported in PDF or CSV formats.
Is there an API for developers?
APIs for third-party integrations may be offered to corporate clients and partners.
Is integration with other services supported?
Service integration for payments, accounting, and merchant solutions is available.
How often is the web interface updated?
The web interface is updated regularly for security and feature enhancements.
Are there virtual cards in the service?
Virtual card issuance may be available via digital banking channels.
Can disposable cards be created?
Disposable prepaid virtual cards may be offered for secure online transactions.
Is multi-currency account functionality supported?
Multi-currency accounts may be available for certain business products.
Are there investment products?
Investment options include savings products, fixed deposit, and partnership-backed investments.
Can interest be earned on balance?
Interest is paid on qualifying savings and fixed deposit balances per terms.
Are there credit products?
Credit offerings include personal loans, business loans, and overdraft facilities.
Is P2P trading supported?
P2P trading is not a core bank service but may be accessed via partnership platforms.
Can cryptocurrencies be bought/sold?
Cryptocurrency purchase and sale is not supported by SunTrust Bank.
Is there acquiring for business?
Merchant acquiring and payment processing are available for business clients.
Are mass payouts supported?
Bulk payment and payroll services are offered to business customers.
Is there a loyalty program in the service?
Loyalty rewards and cashback programs may be available on select products.
How are bonus points earned?
Bonus points are accumulated via use of cards, bill payments, or program participation.
Is there cashback for operations?
Cashback is provided for select card and bill payment transactions.
Are there referral programs?
Referral rewards are offered for new account openings or service adoption via invitations.
What privileges do VIP clients have?
VIP clients receive personal support, enhanced transaction limits, and exclusive offers.
Are there seasonal promotions and offers?
Seasonal offers include bonus interest, discounted fees, and loyalty rewards.
Can premium status be obtained?
Premium account status is achieved via qualification or request for enhanced banking services.
Are there partner discounts?
Partner merchant discounts may be available to bank clients.
Are there corporate loyalty programs?
Corporate loyalty programs reward business payment volumes and engagement.
Does the service allow operations with online casinos?
Transactions to and from casinos are restricted per CBN regulations.
Are there restrictions on gambling transactions?
Gambling-related transactions may be declined or subject to additional scrutiny by compliance teams.
Can accounts be blocked for casino play?
Accounts may be blocked if suspicious gambling activity is detected or regulatory guidelines are violated.
How does the service view gambling?
The bank enforces all regulatory restrictions on gambling transactions in Nigeria.
Are there special conditions for gambling?
Additional checks and compliance procedures are applied to gambling-related activity.
Are casino transactions tracked?
Casino and gambling transactions are monitored as part of regulatory compliance.
Can operations with gambling sites be hidden?
Banks are required to track and report all transactions; gambling-related activity cannot be hidden.
Are there notifications about gambling expenses?
Notifications for gambling-related expenses are provided as for other debit transactions.
Are there special fees for gambling operations?
Standard transaction fees apply; no special gambling fees unless otherwise stated.
Can limits be set on gambling?
Spending limits can be set for debit card usage, including gambling transactions.
Is there a self-exclusion function?
Self-exclusion or spending control features may be set via account management or customer support.
Can access to gambling sites be restricted?
Bank cards and accounts may be blocked from use on certain merchant categories, including gambling sites.
Is gambling expense control supported?
Expense control tools may be available as part of budgeting features in the app.
Are there notifications about limit exceedance?
Alerts are sent if transaction limits or spending caps are exceeded.
Can operations with casinos be blocked?
Bank may block transactions to known casino and gambling merchants per policy.
Is there gambling expense statistics?
Expense analysis may be accessed via transaction reports and app analytics.
Is a "cooling-off period" supported?
Cooling-off features for gambling can be set via customer support or app controls.
Can help be obtained for gambling addiction?
Support resources and referral contacts may be provided upon customer request.
Is there partnership with player assistance organizations?
Partnership with addiction support groups may be promoted in customer education materials.
How to set up gambling expense notifications?
Notifications can be configured in app settings or requested via customer support.
Which online casinos accept this payment method?
Service restrictions may apply; check with casino platform for up-to-date acceptance information.
Are there exclusive partnerships with specific casinos?
No exclusive casino partnerships are documented.
Do conditions differ when used in different casinos?
Service conditions depend on merchant category, platform policies, and compliance rules.
Are there special bonuses for using this method in casinos?
Bonuses for casino payments are not commonly offered by Nigerian banks.
Can the method be used for both deposits and withdrawals in casinos?
Transactions to casinos are subject to restrictions and compliance verification.
Are there geographic restrictions for casino usage?
Nigerian banking regulations restrict casino transactions to domestic jurisdiction.
How do casino operators typically process transactions from this method?
Casino platforms process bank card and account payments via integrated payment processors.
Are there typical processing times when used with casinos?
Processing times for permitted casino payments are similar to regular debit transactions, usually immediate.
Do casinos usually charge additional fees for this method?
Additional merchant fees may apply but are determined by the casino, not the bank.
Are there any known compatibility issues with major casino platforms?
Nigerian bank cards may be declined at offshore casino platforms due to regulatory blocks.