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Standard Current Account

Features

• Opening balance of 150,000 ZMK.

• Free entry and exit. Non discriminatory

 • All other transactions are charged at banks approved
rate.

Benefits

• Free debit card

• Internet, Mobile & Telephone Banking

• Allows direct debit instructions

• Account is online real-time

Fees/charges:

• COT

individuals – K6 per mille maximum K20,000

Companies – K10 per mille maximum K30,000

• Zero maintenance fees.

COT: Commission on Turnover is the charge the bank levies on every customer initiated debit entry on the account.

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Access Visa Credit Cards

The Access Bank Visa International card is a US Dollar denominated credit card

The Access Bank Visa International card is a US Dollar denominated credit card which is globally accepted as a
means of payment at over 24 million merchant locations and over 1 million ATMs worldwide in more than 170
countries
It can be used to make payments across multiple channels like

• Automated Teller Machines (ATM)

• Point of Sale terminals (POS)

• Internet
 • Telephone orders

• Mobile

Benefits to the Customer

• It provides customers with 24/7 access to their preset limit accounts

• It allows for credit based transactions within preset number of days of repayment

• It provides customers with a convenient and a safer way of transacting

• It eases customers ability to transact by creating additional channels

• Globally accepted means of payment

• Elimination of security risk associated with traveling with large amounts of cash.

• Safety & security of transactions due to the Chip & Pin technology

• Internet transactions are also protected and by verfied by Visa which provides an additional layer of security
for cardholders

• Visa Credit Card holders enjoy car rental services anywhere in the world where Visa is accepted

• Supplementary credit cards are obtainable – Card holders can get additional cards issued on their card
account for their loved ones and dependants.

• Card Replacement Facility is available worldwide in case of Card Loss or Card Theft

• Convenience of Worldwide Visa Acceptance Over: 840 000 ATMs worldwide Over 24 million merchant
locations including Mobile Telephone and online merchants in 170 countries

Features Classic Gold Platinum Corporate

Life Span 2yrs 2yrs 2yrs 2yrs

Monthly Credit Up to USD5, 001 up to USD10, Above USD10, Depends on card type
Limits USD5,000 000, to a maximum of 75% 000, to a chosen—classic, gold,
of net provable net monthly maximum of 75% platinum.
provable income paid of net provable net
directly into Access Bank. monthly provable
income paid
directly into
Access Bank.

Credit Period Up to 40days Up to 40days Up to 40days Up to 40days

collateral No collateral No collateral No collateral No collateral

Over limit 10% subject to 10% subject to a maximum 10% subject to a 10% subject to a
allowed a maximum of of 1000 USD. maximum of 1000 maximum of 1000 USD.
 1000 USD. USD.

………………………………………

Standard Savings Account

Features

• Opening balance of 30,000 ZMK.

• Minimum daily balance of 30,000 ZMK .

• Interest rate of 4%.

• Free entry and exit. Non discriminatory.

• All other transactions are charged at banks approved rate.

Benefits

• Free debit card.

• Account is online real-time.

• Internet, Mobile & Telephone Banking.

• Allows direct debit instructions.

………………………………

Access Advantage Account

The Access Advantage Account is a savings account with the trappings

The Access Advantage Account is a savings account with the trappings of a current account. It is a high interest
yielding account with features and benefits that provide world class financial services to all its subscribers.

Features
 • Opening balance of 150,000 ZMK.

• Minimum daily balance of 150,000 ZMK.

• Monthly maintenance fee of 10,000 ZMK

• - Interest rate 6%.

• All other transactions are charged at banks approved rate.

• Maximum of 3 withdrawals per month.

Benefits

• Free debit card.

• Internet, Mobile & Telephone Banking.

• Account is online real-time.

• Allows 3rd party withdrawals across the counter (Non-clearing cheques).

• Allows deposits of cheques & dividend warrants.

• Option of Sweep Instruction into call accounts/Term Deposits etc.

• Zero COT

• Customized Cheque books (Not valid for Clearing).

• Bonus Interest for accounts with quarterly average balances in the qualifying bands (see below).

• Option of opening an Investment Savings Account with 10% of monthly balance paid into the account at
customer's requests .

• Accounts with less than 3 withdrawals during any quarter & with an average quarterly balance of 750,000
ZMK qualify for the next seasonal festivities promo/draw.

Bonus Interest Rate Band for Access Advantage Account

AMOUNT (Le) BONUS INTEREST

750,000 ZMK – 1,500,000 ZMK +0.5%

1,500,000 ZMK & above + 1.0%

Unique Selling Points

• Allows 3rd party withdrawals across the counter (Non-clearing cheques).

• Earn as much as 7% on savings.

• Participation in Seasonal/ Festivities Promos

• Access to Free Financial Advisory Services

COT: Commission on Turnover is the charge the bank levies on every customer initiated debit entry on the account.
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Access Premier Account

Hybrid Current account

Features

• Opening balance of 1,000,000 ZMK.

• Minimum daily balance of 1,000,000 ZMK.

• Initial debit card free .

• Free entry and exit. Non discriminatory.

• Internet, Mobile & Telephone Banking.

• Allows direct debit instructions.

• Cheque book available.

• Account is online real-time.

• All other transactions are charged at banks approved

rate.

• Maintenance fee of 7,500 ZMK/month.

• Zero COT as long as balance is maintained

Documentation required for account opening

Savings Account Type

• Duly completed account opening form including signature mandate section.

• Copies of National ID card, Driver’s License, International Passport

• 1 passport photograph

• Valid cheque/cash as applicable for account opening

• KYC form update

• Deposit of 30,000 ZMK – 150,000 ZMK as applicable

Current Account Type

• Duly completed account opening form including signature mandate section.

 • One reference letter

• Copies of National ID card, Driver’s Licence or International Passport.

• KYC form update.

• 1 passport photograph

• Valid cheque/cash of 30,000 ZMK – 4,500,000 ZMK as applicable

COT: Commission on Turnover is the charge the bank levies on every customer initiated debit entry on the account.
………………………………….

Solo Account
To encourage young people to save towards their future

Purpose
The purpose of Access Solo Account is to encourage young people to save towards their future. Target group are
students in secondary schools who will want to pursue higher education in colleges and Universities (14 - 24 year
olds).

Target
Students and young people from 14 - 24 years.

Features

• Opening balance of 15,000 ZMK.

• Minimum daily balance of 15,000 ZMK.

• Cumulative Savings for a minimum one year without withdrawal.

• Normal savings interest rate + 1%.

• Free entry and exit. Non discriminatory.

• All other transactions are charged at banks approved rate.

Benefits

• Free debit card.

• Internet, Mobile & Telephone Banking.

• Allows direct debit instructions.

 • Account is online real-time.

• Allows deposits of cheques.

………………………………..

Mpower Biz Account

The product will leverage other related products categories

The product will leverage other related products categories as add-ons to attract customers e.g. ATM cards, cash
management.

Features

• Opening balance of 4,000,000 ZMK

• Minimum daily balance of 4,000,000 ZMK.

• Interest rate up to 6.5%p.a.

• Free entry and exit. Non discriminatory.

• Availability of overdraft facility for qualified customers.

Benefits

• Free debit card

• Free initial cheque book (50 leaves).

• Internet, Mobile & Telephone Banking.

• Allows direct debit instructions.

• Account is online real-time.

Fees/charges

• Zero COT.

• ledger fees per month – K50,000

• Account maintenance charge of 30,000 ZMK /month

• All other transactions are charged at banks approvedrate.

COT: Commission on Turnover is the charge the bank levies on every customer initiated debit entry on the account.
…………………………..
Our Philosophy
At the heart of everything we do, we will make our vision a reality and our mission a successful one.
Together they form the bedrock of our business.
Vision
To transform our bank into a world-class financial services provider.
Mission
To go beyond the ordinary, to deliver the perceived impossible, in the Quest for Excellence.
Brand Driver
The Quest for Excellence.
Our Core Value
• Excellence: We strive to attain and exceed the highest possible standards through our passionate
and painstaking attention to details.

• Ethics: Our operations are transparent and always comply with regulations, while decisions are
based purely on business interest.

• Passion for Customers: Customers always come first. We develop a deep understanding of them,
approaching them with a positive ‘can do’ attitude and responding creatively to their needs.

• Teamwork: We hold the interest of the team above those of the individual, while showing mutual
respect for all employees and sharing information throughout an organisation.

• Continuous Learning: We are dedicated to continuous growth and career development.

• Trust: We have total confidence in one another. We will work tirelessly to earn the faith, loyalty and
confidence of our customers.

To this end, we will always deliver on contracts,agreements,undertakings and assurances. These firmly
established and proven principles are fundamental to our business and future - they inform everything we
do.
………………………..

Our Awards
2003:

• Recorded =N= 1 billion Profit Before Tax (exceeding the cumulative profit for the prior 12 years).

2004:
• Selected as one of the seven Banks to operate the European Investment Bank’s 50 Million Nigerian
SME facility.
• Received the Hewlett Packard Award for the best implementation of a core banking application
(Flexcube 6.2) in West Africa. Successful Public Offer raised over N 14.5 billion, recording 133%
over-subscription.

2005:
• Completed seamlessly within 60 days the integration of two Banks acquired via merger by absorption,
making the integration the fastest and a reference point within the industry.

• Netherlands Finance Company (FMO) $ 15 million Investment in Access Bank listed on the NSE.

2006:
• Awarded the “Most Improved Bank of the Year” by This Newspaper.

• The first Bank in Nigeria to receive $ 15 million Convertible Debt Investment from the IFC.

• Appointed Primary Dealer/Market Maker for Government Bonds by the Debt Management Office
(DMO)

• First African Bank to partner the IFC on the introduction of gender finance under the IFC’s Gender
Empower Programme.

2007:
• Access Bank launches Federal Government Index, Nigeria’s First Liquid Bond Index.

• Awarded 3rd Position for Customer Service Excellence by KPMG

• First Nigerian Bank to receive convertible investment from the Belgian Investment Company Fund for
Developing Countries.

• Received award in “Innovative Trade Structures” from the IFC.

• Awarded “Best Telecoms Financing Bank of the Year” by the Nigeria Telecoms Awards.

• First Bank to commence issuance of Visa Credit Cards in Nigeria.

• Awarded “The Most Innovative Bank in Africa” by African Bankers Magazine, a publication of IC
publications, UK.

• www.accessbankplc.com rated overall winner of the Web Jurist Annual Web Award organized by
Phillips Consulting.

• Successfully concluded 3rd Public Offer raising over 1 Billion US Dollars (3.5 times oversubscribed).

2008:
• Awarded the “Brand of the Year” by Thisday Annual Awards.

• Awarded the “Best Global Trade Finance Bank Award” by the International Finance Corporate (IFC)”.

• Awarded the “Best Gender Responsive Bank” by Nigerian Banker’s Award

• Awarded the “Most Innovative Bank Award” by Global Bank Alliance for Women.

2009:
• Awarded the “Most Active GTFP Issuing Bank in Africa

…………………………………….

Our People and Culture

The Quest for Excellence
As an aspiring global brand, we are proud of our African heritage. The inroads we are making into the key
monetary zones in Africa and OECD are deeply rooted in our organisational DNA of the Quest for
Excellence. This is the single minded proposition that propels everything we do as a Bank.

Our brand driver influences our organisational approach in all we do from providing services to our
customers to how we manage our people.
People Management Philosophy
People are the core of our business. Our human resource management practices are designed to be
flexible to accommodate the needs of each individual employee, encourage a sense of ownership in all
aspect of our business, develop requisite professional and ethical behavioural standards, deliver superior
client service, embrace sound financial discipline and recognise and reward performance.

Our objective is to have a well-motivated staff complement that experience career satisfaction and takes
pride in working for a respected organisation that offers progressive career development at individual
level.
Performance Management
We are a merit driven organisation. Our Performance Management System measures each employee’s
performance against clear and objectively defined goals. The level of achievement of these goals
determines both the growth of the organisation and those of every individual employee. Necessary tools
and support are provided to ensure seamless attainment of these goals.

Our performance management culture is under-pinned by the quest for a culture of high performance and
socially responsible employees.
Compensation and Incentives
In our quest to retain the best pool of exceptional talents in the industry, the Bank consistently rewards
high-performing employees and teams with adequate monetary and non-monetary compensation. This
practice has had a significant impact in spurring our people to greater personal and organisational
achievement.

…………………………

Learning and Development

Building Capacity in our people
In April 2002, we commenced the process of developing organisational programmes to harness the
commitment as well as the competences of our people. These on-going programmes are designed to
develop first class financial services industry professionals at all levels across the business.

Our approach to employee development is a mix of different learning methods ranging from self study,
on-the-job training to e-learning programmes. Employees on a continuous basis are exposed to various
capacity building programmes both locally and internationally. These are consistent with the Bank’s
culture.

Our learning and development programmes include:

1. Leadership developmental programmes at top business schools such as Harvard Business School,
London Business School, IMD e.t.c.

2. We support training programme outside the group’s curriculum such as courses of study leading to
degrees, diplomas e.t.c.
Our 4 months entry level training at the Banking School of Excellence, has acquired an enviable
reputation as a learning centre of excellence.

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Careers @ Access Bank

Access Bank is a pre-eminent financial institution with presence in 9 countries in Africa and the United
Kingdom. Also referred to as the Africa’s Bank of Best Practise, Access Bank operates on a platform of
strong ethics, governance and professionalism. Access Bank ranks amongst the top 20 banks in Africa
and top 10 in West Africa by capital.

The Bank is a merit-driven organisation with emphasis on performance therefore career advancement is
strictly determined by merit.

As an institution given to continuous learning, our employees are constantly exposed to some of the best
training designed to equip them with the knowledge and skills required to deliver exceptional results while
achieving self and professional fulfilment.