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Stanbic IBTC Bank Quick Loan Code In Nigeria


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How fast do you need to borrow a loan? what kind of bank can offer that amount of loan? We have come to inform you that Stanbic Bank is one of the banks that offer loans to individuals even to students.

Here in this post, we are going to elaborate more on some of the questions people ask in today’s post-Stanbic Bank loan, Stanbic Bank loan code, Stanbic Bank loan app, Stanbic Bank loan requirements, and Stanbic Bank loan application.

Keep reading to know more about Stanbic Bank USSD Loan Code, how to apply for Stanbic Bank Loan, the requirement needed for borrowing loans, and how to be eligible for a Stanbic Bank loan even without collateral.

Requirement (Documents) Needed For Opening STANBIC Bank Account

You will be required to upload some important documents and some personal details before you can open a Stanbic Bank account.

  • Name (First Name -Middle Name – Last Name)
  • Date of birth (Day/Month/Year)
  • Citizenship
  • Contact phone number.
  • Occupation.
  • Mother’s maiden name.
  • Home address.
  • Email address.
  • Next of KINS
  • Residence status.
  • Passport.
  • Tax identification number.
  • Source of income (self-employed).

Let’s see, how to download the Stanbic Bank app with your mobile phone in this tutorial guide.


To download the Stanbic Bank app on your mobile phone, click on your Google Play store or app store; Using BANKING METHOD.

How To Open An Stanbic Bank Account

  • On your mobile phone and click on Google Play store/App Store and Install the Stanbic Bank Mobile App.
  • Then, click “Open” and log in.
  • Select “Country
  • Select language “English
  • Enter your (First, Middle, Last)Name, Marital status, and Gender (Male/Female).
  • (BVN) Do you have BVN – Yes/No.
  • Accept the “Terms and Conditions“.
  • Provide necessary information such as Date of birth, Email address, Phone Number, and enter ID type.
  • Enter a phone number that is activated.
  • Enter a “new pin” and confirm the new pin.

CONGRATULATION, you now have an active account with Stanbic Bank. You can pay in money into the newly opened account.

When you are done with registration, you can now perform all these activities such as checking your account balance, loan, bill payments, buying data, buying airtime for others, buying airtime for yourself to any network (MTN, Airtel, Glo,9Mobile), transferring money to an account, transferring money to other bank accounts and so on.

Requirement (Documents) Needed For Stanbic Bank Loan

You will be asked to provide your personal information details such as:

  • First Name
  • Last Name
  • Gender
  • Marital Status
  • Date of Birth (Month/Day/Year)
  • Email Address
  • Mobile Number
  • Residential Address
  • No of Dependents
  • Annual Income
  • You will be asked whether you are already a Stanbic Bank Customer? or not
  • Bank Verification Number (BVN)
  • Account Number


  • Occupation/Business
  • Office Address


  • Loan/Credit Facility
  • Loan Amount
  • Payment Tenure
  • Loan Purpose


  • I agree to the Privacy Policy

Here Are The Terms And Conditions For Applying For Stanbic Bank Loan

These are the terms and conditions, you must meet up to before you can be given a loan to apply for a loan from Stanbic Bank. Follow the below terms and conditions such as:

  • You must have an active account on Stanbic Bank for a minimum period of 3 months.
  • You must have a certain amount on your account.
  • Details of collateral offered (if any) and address.
  • You must download the Stanbic Bank mobile app on your phone.
  • Valid means of identification (driving license, passport, voter’s card).
  • To pay back the money give you the exact time (Due date).

How to Borrow Money From Stanbic Bank

These are steps to follow to get a loan from Stanbic Bank: Turn on your internet, such as a PC or smartphone, and visit your Google Play Store to download the Stanbic Bank App.

Log in” to your Stanbic Bank account.
Scroll down to choose the “Loan” option.

As a new user, complete the loan form by entering your full (FIRST, MIDDLE, AND LAST) name, phone number, and home address.

Then, enter the loan amount you want to borrow.
Check your information to know if it is correct and click on “Submit“.
Accept their “Terms and Conditions” before submitting and you will be notified.

How To Be Eligible For Stanbic Bank Loan

  • You must have an account operational in Stanbic Bank for at least 6 months.
  • You must be linked to a valid BVN.
  • For you to loan from Stanbic Bank, you must be at the age of 18 and a maximum of 59 years.
  • You must have correctly updated phone numbers.
  • You must have a positive credit record with Credit Bureaus


The easy way to perform any Stanbic Bank transactions on your phone is by using Stanbic Bank USSD code *909# is used for accessing Stanbic Bank loans, transferring funds, checking account balances, paying bills, and buying airtime.

In a tabular form, we are going to state the activities you can perform while using the BANK USSD CODE.

Account Opening*909*0#
Airtime Top-Up Self*909*Amount#
Airtime Top Up Others*909*Amount*Phone Number#
Transfer to Stanbic Account*909*11*Amount*Account Number#
Transfer to Other Banks*909*22*Amount*Account Number#
Retrieve BVN*565*0#
Pay Cable Bills*909# > Pay Bills
Check Balance*909*1*1# or *909# > 2


Here are the three requirements needed to activate the Stanbic Bank USSD code, you must have the following:

  • A Stanbic Bank account
  • A phone number linked to your Stanbic Bank account for receiving an alert
  • A debit card and any mobile phone.

Opening An Account With The Use Of The USSD Code

  • On your phone (keypad dialer), dial *909# and send the code.
  • From the displayed menu Choose “1” open an account.
  • Enter your name and phone number.
  • Choose the type of account.
  • You can either choose to open your account with or without BVN but remember, you will be limited to some things when you do not open your account with BVN.
  • Select your preferred debit card from the list
  • Enter the 4-digit Personal Identification Number (PIN) for the selected debit card
  • Create a new 5-digit PIN that will be used to confirm and authenticate your transactions, and you have successfully opened a Stanbic Bank account on your phone.

How To Loan Using STANBIC Bank USSD Code

Here are the steps to follow, when you want to use the Stanbic Bank USSD code for a loan.

But have this in mind before you can follow these steps, you must have an active account with Stanbic Bank and also use a mobile phone that has the registered number SIM.

Note: Using these steps, you don’t need a network connection on your PC or smartphone.

  • On your phone (keypad dialer), dial * 909*44#  and send the code.
  • Click 0n the displayed menu, and tap on the “Loan” option.
  • Then, fill in other requirements needed and accept the terms and conditions.
  • Select the account number with which you want to apply for the loan
  • Enter the amount you want to loan.
  • Enter a 4-digit pin to confirm your transaction.

Once, it is approved, a notification will be sent to your phone that your account has been credited (successful transaction) has been done.

How To Loan Using MOBILE APP.

  • Log on to StanbicOnline.
  • Click on “Loan“.
  • Select Current “account number“.
  • Then, fill in other requirements needed and accept the terms and conditions.
  • Confirm loan amount.
  • Enter a 4-digit pin to confirm your transaction.

Once, it is approved, a notification will be sent to your phone that your account has been credited (successful transaction) has been done.

STANBIC Bank Customer Care

If you in any way have difficulties in how to loan using the Stanbic Bank online banking app or Stanbic Bank USSD code, you can contact the Stanbic Bank customer agent for assistance.

You can contact Stanbic Bank at 0700 9099 09909

Visit the Stanbic Bank email address: [email protected].

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