Downloads
Forms, accounts and policies, with the file size on every one
So a 14MB annual report never arrives unannounced on a metered connection.
Forms
Account opening, mandates and claims, for when you need paper.
Account opening form — individual
For opening an account on paper, at a branch or with an agent.
Account opening form — business
For a registered business. Bring your CAC certificate and directors’ IDs.
Standing order mandate
To set up a regular transfer without using the app.
Next of kin and beneficiary form
Tells us who should be contacted about your account, and who inherits it.
Deceased customer claim form
For a family member claiming the balance of a deceased customer’s account. Call us first on 0814 296 1654 — we will tell you exactly what is needed.
Transaction dispute form
For disputing a transaction on paper. The online route is faster and gives you a reference immediately.
Financial statements
Audited accounts and half-year results.
Annual report and audited accounts 2025
The full audited financial statements, directors’ report and auditor’s opinion.
Half-year results, June 2026
Unaudited results for the six months to 30 June 2026.
Annual report and audited accounts 2024
The prior year, for comparison.
Capital adequacy and risk disclosure 2025
Capital ratios, credit concentration and liquidity, as required by the CBN.
Policies and disclosures
The documents in the disclosures section, as files.
Terms and conditions
The account agreement, effective 1 September 2026.
Tariff guide
Every charge we may apply, effective 1 September 2026.
Privacy notice
What personal data we hold and why.
Complaints handling policy
How we handle complaints and how to escalate to the CBN.
Whistleblowing policy
How to report wrongdoing anonymously and without retaliation.
For agents
Onboarding, conduct standards and the commission schedule.
Agent application form
To become a CitadeleCapitals agent. You will also need your CAC certificate.
Agent conduct standards
What an agent must and must not do. Includes the rule that an agent may never ask for a customer’s PIN.
Agent commission schedule
What an agent earns per transaction type, effective 1 September 2026.
Press and brand
Logos, fact sheet and media contacts.
Fact sheet
The bank in one page — licence, size, products and the numbers, for journalists.
Logo pack
The mark in SVG and PNG, with the clear-space and colour rules.
Would you rather read it than download it?
Every policy here is also a page — the terms, the tariff guide, privacy, complaints handling and whistleblowing. The files are generated from those pages, so the two can never say different things.