This article contains a detailed information and answer to how to upgrade my gtbank account and receive a maximum cash to the bank account.
You opened a student account or a gtbank instant account, and you know that the account is limited to a certain sum amount of money. The only way to get away with the restriction is by upgrading your account.
This is what this article is all about.
Giving you the answer to the question on how to upgrade my gtbank account.
How to upgrade my gtbank account
There are two ways which you can upgrade your gtbank account, one is through online while the other is through offline and that is going to the bank.
Before going into how to upgrade my gtbank account, first know the requirements needed from you.
Requirements to upgrade gtbank account
They include the followings;
- Bank verification number (bvn)
- Means of identification which includes nin ID, international passport, driver’s license, permanent voter’s card, etc.
- Passport and utility bill
These requirements stated above are for tier 3 gtbank account and they are unlimited.
Let me explain further before you can go ahead with how to upgrade my gtbank account.
If you opened a student account which is called GTCrea8 account, or probably opened an instant bank account with gtbank, you need to upgrade your bank account. The account you opened is called tier 1 and they are limited to just N200k and can’t exceed that.
However, there’s tier 2 and tier 3.
The tier 2 is limited to N400k as at the time of writing this post, while the tier 3 is unlimited. That is to say that you can have more than one trillion naira in the Gtbank tier 3 account.
If you want to upgrade your gtbank account, you’ll be given an option to select the tier account you want, and they include the tier 2 and the tier 3.
If you ask me, I will recommend the Gtbank tier 3 account as it is unlimited but you need to upgrade to it using your bank verification number, ID card, two passport and an utility bill.
The Gtbank tier 2 account requires just your ID and nothing more, but it is limited to N400k and won’t exceed that amount.
Right now you’ve understood what the tiers means in gtbank account, let’s proceed with the question of the day, how to upgrade my gtbank account.
1. By going to the bank
If you don’t have an internet bank account, the only solution to your question on how to upgrade my gtbank account is by going to the bank.
Move over to the customer service section and request that you want to upgrade your gtbank account. You can tell them whether it is a student account or probably an instant account.
The customer service representative will issue an upgrade form to you to fill or complete. Kindly go through the form and do as it is written on the upgrade form.
On the form, if you’re not yet employed, kindly skip the employment details or ask the customer service representative what to write there. After you’re done filling the Gtbank upgrade form, go through it and make sure that everything is correct.
If you’re confused with the options on the form, don’t hesitate to ask the Gtbank customer service representative to help you out.
If you’re done with everything, submit the form back to the customer service representative along the required items needed from you. The bank will charge you N1k for atm if you don’t have any, and if you do, no charges at all.
However, you need to fund the account with at least one thousand naira in order to prevent it from being a dormant bank account.
To upgrade your gtbank account wouldn’t take more than thirty minutes or one hour and you’re good to go. You can receive millions in your bank account without restriction at all.
This is how to upgrade my gtbank account using the offline method which involves going to the bank for the account upgrade.
2. How to upgrade my gtbank account online
Another method to upgrade gtbank account is through, no need of going to the bank as you can do it right from your house.
Though you must have Gtbank online banking account.
If you want to save yourself from stress of going to the bank to upgrade your gtbank account, then you’ve to load internet data on your phor or use a Wi-Fi for how to upgrade my gtbank account using the online method.
Open the Gtbank website or simply go to this page to get started with gtbank account upgrade or you can scroll to the bosom of the page and select the Self-Service option
Once on the self-service portal, select service type and “Account Upgrade”. Then you’re required to enter your GTBank NUBAN account number and BVN number.
Now listen, don’t get confused if you see gtbank nuban account number. This simply means your gtbank account number, there’s no any other number rather than your gtbank account number.
Tap on the Submit Form.
Next is to select the preferred upgrade (Tier 1. Tier 2. ‘Her 3). Like I said earlier on, I recommend the tier 3 account as it is unlimited but if you don’t have all the necessary requirements, then you can go for tier 2 which is restricted to N400k
An OTP code will be generated in order to verify the Gtbank account upgrade, simply enter the OTP generated from your registered mobile number.
In the case that you selected tier 3 account which requires ID, utility bill etc, you’ll have to submit the required documents (Utility bill, newspaper publication, marriage certificate, regulatory ID Card) and finally click on the submit form button.
If everything is correct and went successfully, you’ll be notified about the Gtbank account upgrade, and further receive high maximum cash into your gtbank account.
This is how to upgrade my gtbank account online, and honestly, it isn’t a difficult one at all. But I would like you to know that sometimes gtbank self service link do have issues which prevent upgrading of account through it.
Can I upgrade my GTB account online?
Absolutely yes, using the above tutorial. However, you may encounter some problems as the Gtbank self service page usually have problems in connecting.
Use the above tutorial to upgrade your gtbank account online. If you’re finding it quite difficult in connecting the Gtbank self service page, the only option you have is to go to the bank and upgrade your bank account.
I do hope this post provides a solution and answer to how to upgrade my gtbank account online or offline.
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I’ve come to the end of this post on how to upgrade my gtbank account online, and I do hope it offers lot of help to you. I’m open to your questions, or better still contact your bank or account manager for inquiries and questions.
I live with my grandma in uyo and in the community where she stays, nepa bill is paid to community youths who pays it on behalf of the residents. No nepa bill has been sent to the house officially. How do i pay utility bill when she doesnt have a nepa bill? Secondly when u talk about newspaper pub, it is any publication either old or new?
Will be glad if prompt response is sent to me. Thank you
Please ignore the newspaper publication cause the online process isn’t available anymore.
To update your gtbank account, you need to have your ID, utility bill and a passport. Since you don’t any utility bill like nepa bill or rent bill, I recommend you to borrow any nepa bill from your friends or family and do the upgrade.
Please what happens if a credit transaction exceeds my maximum single transaction
The bank will reverse the money or put it on hold and call you to come upgrade your bank account.
This upgrading of a thing is very annoying
After Upgrading my account which was restricted I have been trying to make transactions it was still telling to Meet my Banks
Am Just tired
I don’t understand, after upgrading/updating your account you can’t transfer and withdraw from the account?
If that’s the case then you should know that debit transaction has been restricted from your account which is in the case of frozen account. Maybe you didn’t do the KYC. By Monday you should go to the bank and know the reason such thing is happening.
Can I use a prepaid metre bill to upgrade my account?…. because it’s prepaid metre am using
You mean the prepaid meter receipt?
Yes you can but make sure that it has the address if your house. You can also use rent bill or any other bill that indicates your home address.
What if I had received a payment on a tier 1 account that more than the account standard. What do I do
The bank will put the transaction on hold, and will call you to update your account.
Ma my bank which is stanbic ibtc is saying the money ought to revert back to the sender. They said, even if I upgrade the account, I still won’t see the money cos it must reverted back. While the sender is telling me he haven’t seen any reversal.
And I agree to accept the payment through that account is bcos i felt the no matter the amount you’re depositing, the back ought to accept but refuse withdrawing until you come to clear your yourself or provide appropriate document.
This is very poor from stanbic ibtc, way too poor I must admit.
I’m sure of zenith and first bank, the account manager usually call the customer to come update the account, and if they couldn’t reach the customer, they will reverse the money back to sender’s account.
Reversal usually takes a maximum of 5 working days. You should know that banks has their rules and regulations, so that’s the rule of stanbic ibtc.
Hello ma, I opened an account with GTBank last month which I went with voter’s card, Nepa bill and two passports. I told them I wanted an unlimited account and they responded that I can have it but the voter’s card I went with carries my maiden’s (Juliet Obosaye Imoisili)name while I opened with (Juliet Obosaye Obioha). Hope it will not affect the unlimited account stuff? They never complained about it though.
Not at all, since you opened the account with the three requirements need for a level three savings account in Nigeria, you’re good to go.
Hello ma, a sum of money more than my deposit limit was transferred to me and have done the upgrade but its still saying deposit limit exceeded.
The question is, when did you did the upgrade/update, did you caller your bank to confirm if the account update is completed, and a successful one.
Sometimes it can take up to five working days though it depends on your bank.
I do believe that it is not yet complete. You don’t need to go to the bank but kindly call your bank or send them an email along with your account number and let them run a check on your account.
Okay! Thanks ma’am
You’re welcome.
My neighbor died but left her account with some money in it but, it is a small account that needs upgrade before withdrawal can be done from the account.
How can I help the children upgrade the account?
What business do you have with your neighbors account, and how do you know the amount in the deceased account?
This your question sounds fishy, and whereas there’s nothing like an account that needs upgrade before withdrawal.
If the children wants to withdraw the money from the account, they must provide a death certificate of the deceased, along with other documents from the court.
Lastly the bank will need the deceased next of kin to sign a statement before having access to the account, and in turn close the bank account.
Please can you explain nairadebit card for me please!!
Naira debit card is your atm card which you use to withdraw money here in Nigeria.
The debit card is in naira because it is linked to your savings or current account which is in naira (the Nigeria currency).
Debit simply means removal or withdrawal.
If you have a dollar savings account, the debit card will be called dollar debit card.
Please how can some have a dollar debit card or should I say how can I register for a dollar account, please what are the procedure
You have to go to the bank, and request that you want to open a domiciliary account which is a foreign account in Nigeria. After you have opened the domiciliary account, you can request for a dollar debit card.
Domiciliary account can save dollar, pounds, Euro, Yen, etc.
Thank you….
I have upgraded my account for the past 3 days now and I don’t know whether it is upgraded or not because I have not gotten a confirmation sms
The bank will not send you a confirmation message, you have to contact them through their phone number or email address and inquire if they have updated your account.
You can still go to the bank if you have the time.
Morning, ma. Concerming the utility bill, I dont have mine and my landlord is the one who collects money then pays it for the compound. But I’m sure it would not have my name on it. Can I use this one as well?
Name doesn’t matter on utility bill but rather the address.
Make a photocopy of the utility bill and go with it to the bank.
Alright, ma. I’m at the bank already. Thanks for the prompt response.
I went to upgrade my Gt bank account last week Friday but my account is still on restriction
Should I go to the bank
Last week Friday?
Common it’s too early. Wait till Thursday or Friday as Tuesday and Wednesday are public holiday.
Hi, good day
We usually pay for pre paid electricity bill online so the bill comes as soft copy. Can I still use it for the upgrade?
What you need to do is to go to the nepa office and pay any amount just for them to give you a receipt.
Remember to go with your prepaid meter number to pay for the bill.
With the hardcopy of the receipt you will use it to upgrade your bank account.
Alright thank you very much
Please can I use school ID to upgrade my Gtbank account? I make use of Nepa card at home… What will I use for the utility bill, the card or receipt for last payment?
No, you can only use the national ID, permanent voter’s card, international passport or the driver’s license as a means of identification.
Receipt of any of the last three months payment.
If you do pay online, kindly pay any amount at the (nepa office) just to get a receipt of your utility bill. Remember you can use a house rent receipt as well or even a water receipt.
I need more explanation about
Regulatory ID Number and
Regulatory ID expiry please.
I need to upgrade my account with my National ID slip and nepa bill.
Are you doing the upgrade online?
Definitely it won’t work unless you have to contact your account manager and send him or her your details through whatsapp, email or any other means.
How do know my account manager?
What procedure do I follow
Send an email to your bank email address, or call your bank customer service representative and request they should give you or connect you to your account manager.
Mind you, you will have to give them your account name and account number before they will link you up with your account manager.