Help centre
Opening and managing an account
Opening, upgrading, updating your details and closing an account.
What do I need to open an account?
Your BVN, a photo of a valid ID and a phone number registered in your name. That is the whole list, and it takes about five minutes. If you do not have a smartphone, an agent can open a tier 1 account for you — find an agent.
I do not have a BVN. Can I still open an account?
Yes, as a tier 1 account, which holds up to ₦300,000 and allows ₦50,000 a day. You can upgrade later at any branch or agent. To get a BVN, visit any bank with a valid ID — it is free and you only ever do it once. Dial *565*0# to check whether you already have one.
How do I upgrade my account tier?
In the app, go to Profile then Account tier, and add whatever is missing — usually your BVN and a valid ID for tier 2, plus proof of address for tier 3. Upgrades are usually approved within one working day. Your account number does not change.
I have changed my phone number. What do I do?
Call 0814 296 1654 or visit an agent. We cannot change a registered phone number over chat or email, because the phone number is one of the things that proves you are you.
How do I close my account?
Withdraw your balance, then call 0814 296 1654 or write to info@citadelecapitals.com from your registered email. Closure takes up to five working days and there is no charge. Any interest accrued to the closure date is paid.
Did that not answer it?
Call us, 8am–5pm Monday to Friday — 0814 296 1654. If something has actually gone wrong rather than being unclear, raise a complaint instead: you get a reference number immediately and a resolution inside 14 working days.
Security
We will never ask for your PIN, your OTP or your password
Not on the phone, not in chat, not by email, and not by anybody claiming to be from the bank or the CBN.