@Last poster. thats not something spectacular. at least five of the banks on the above list send me christmas and birthday greetings. thats just some software code that does that. Though in a way it shows that they care about such stuff.
But I like GTB anyway. I dont have an account with them but I am willing to try. They seem quite cool headed and they recruit the best and give some of the best service. Not as arrogant as Zenith or as corrupt as Oceanic(I never trusted those guys. dont know why).
You get the impression that they are conservative and contented with a good rate of return without chasing impossible profits.
Zenith is the worst as far as i am concerned, they are just toooooo proud, i wanted to Opening a current acct 3years ago. when i visited, them say 500,000k na hin i pick race
Visit other branches. I know of a branch that accept NGN 50, 000. to open current a/c.
For details call - 08034304425. CHIDI.
The truth is that GTb stands out on this topic. I use Intecontinental, bank Phb, skye bank, and the difference is clear. Its not about how much you have with them, i believe its the bank's culture. I once had a brush with a Gtb staff sometimes ago, she had to call me later in the day to apologise for the incident, i was amazed, and became glued to them.
ITS GTB 4 LIFE
lets face it d average nigerian is not friendly when dealin with customers that are perceived to be 'lower', a lot of times my heart has gone out to ppl who i see been treated harshly by the same person who is pretending to be so nice to me, this is the greatest problem irrespective of d bank
I honestly used to think i was the only one that loved GTB soooooo much.i bank with intercon,eco bank,access.i've worked with zenith. but GT? they're just the best among these evil nigerian banks.
10 REASONS I LOVE GUARANTY TRUST BANK
1.their architectural work in EACH branch be it inside the market or in VI just makes. me smile,literally,EVERYTIME i pass one.there are no two that look the same but u just know thats a GTB wen u c it.(Zenith claims its all that but ther buildings r just glorified red and white toilet boxes.trying to cut costs b all means hence there totally uncreativ buildings).
2. Their accounts officers make you feel like u're a billionaire by the way they treat u even tho u kno watsup.i feel guilty everytime i hav a lump sum
until its sitting in one of my gt acc.s. y would i want to giv my money to zenith or others that let u kno u're nothin unless ur acc is bursting with cash?
3. Come the 22nd of this month month,i kno for a fact i'll receive a thotful long txt txt from them wishing me a fantablous or fun-filled(they get creative) yr ahead AND my acc officer will call me. d oda banks jst send cold impersona txts,IF they bother, somthin like , 'Dear john bla bla,full names, ,we wish u a hapy b.day.thnk u for banking wit us'
4.Since i started with them,they CARE to kno how i'm doing at every major event in my life.i got called several times wen i was in NYSC camp.and they wer the only bank in Lagos camp that consistently brot cash on wheels to camp so we never ran out of money.
5. You always leave the bank happy cos they responfd to u promptly.
6.Transactions are always tidy wit no unneccesary charges.
7.No crowd at the banking hall but even wen u meet one,it moves at an amazing speed.
8.Fast mastercard collection and billing.
9.when u see somthin unclear in ur statement,they're willing to take their time to xplain even wen u're askin a silly question
10.the slogan is just polite and seductive, after all this listed above, WOULDN'T U RATHER BANK WITH THEM?!
i just came across ur post and links and insinuated that u did your disertation on CRM in nigerian banks and u finished from stranclyde scotland, pretty interesting cuz thats what i intend to write on ATM. n i wud really like to get in contact with u on general advice which wud b most appreciated, i m currently doing my masters in wales and interessted in doing domething preety much similar, hence, i would appreciate if you could pls get in contact with me via my mail addy thats firstname.lastname@example.org, u cud send ur number too!!!
sorry my name is sola wud have given u my number but dis seems to be an open post and the only way i can reach you, hope u get this soon enough and get in contact with me, i would really appreciate you anticipated help, presume u have graduated, hpow was it, thanks a bunch
hope to hear from you soonest
GTB your the best the only thing we need from you now is the following
-the ability to transfer cell phone minutes, pay for cell munites etc to most cellular companies from GTbank website
-an instant message/chat for customers who can log in to use it and chat with people in various dpartments for various issues.
-ability to transfer to external accounts via sms, because cost of e-transact card/account is not yam.
-ability to recieve bills to ones cell phone via sms i.e getting an text message on how much you owe for electricity, water, including date due and amount due i understand that e-transact may be have this capability but i heard the initial cost for -tranact card/account is about 50,000 naira or sonething ridiculous like that, haba interswitch is it becaus paul lawal is no longer th md/ceo?
It not a matter of using so called "janded" standard websites or advertising on CNN to attract people for deposits, its all about the customers expereince and priorities the. GTB beats the us and uk standard to open an account becaus they will open one within 24hrs with chequebook/passbook valuecard complete, mastercard is within 2 to 5 days. so GTB is really fast! and their e-kiosk branches are virtually run by eletronic kiosk machines and ATM machines.
I noticed Access bank has recently changed its website in an attempt to attact deposits, people already know that the website dosnt match up to what you get at GTB.
GTB and ETB are also the most financially stable than most of the 2nd and 3rd generation banks.
Look at what happened to spring bank, thats what most likely will happen to zenith because when politicians want to bring politics into a bank thats what happens, politics is for national assembly not a bank!
Hello Nairalanders. You can do something about the Customer Relationship and Service by Nigerian Banks. Just fill in my survey which wont take more than 3mins maximum of your time. Its really very easy and multiple choice questions. I'm carrying out the study as part of my dissertation. Thank you all for helping out. Please find the link below:
you wont need hospitality if you have good online banking because you will hardly ever show up at the bank branches. you can sit down at your computer or on your cell phone and order a certified check to be paid to someone among other things, infact with GT bank you only have to show your original documents for sighting and courier services now offer return document handling for document sighting purposes.
however if your the type that wants hospitality in terms stopping over at skye bank during rush hour to avoid traffic while the staff there give you a soft drink and offer to follow you to the skyebanks guest house just down the road for a quick rompus until traffic clears, them be my guest. all prostitites are looking for money but not all money is looking for prostitutes!
apparently this is the new marketing system in banks to have a guest house and the hotels they own close to the bank branch for a quick rumpus under guise of telling people its for complementary business meetings, to avoid traffic or if the customer missed their flight or is in town for the weekend and that they can even request ladies or gentlemen (who are usually the bank staff or models available on call) to host, accompany and escort them even from lagos to abuja and back for a few days. depending on the customers balance in their account they can even bring a british person and moet to th guest house/hotel. but if the persons bank account is low , its just coca-cola and a free watching of satellite T.V lol
-intercontinental only cares about people who are in political or high government positions
-oceanic only does arangee/set up stealing and fake armed robbery from its own banks so they can claim insurance, NDIC money
-skye bank was set up as a corporate brothel/ashi joint for big men
- First bank "truly the last" lol,, big stong but unreliable!
- UBA they advertise alot of things but nothing works
-Bank PHB, their TV advertisements are not what you get in the branches
-Zenith , they are at the zenith of COT, fees, charges and stupidity
-Diamond,"a diamond lasts for never" lol
-Access they are too oyibo-ish!
-spring bank a cbn adopted child from a government takeover
-unity bank : lai lai, lie, lie
standard is the only real true international bank with branches in dubail , south africa, russia, usa, london, china, japan, etc
neither zenith nor gtbank are truely international because thier uk websites are a sham. also zenith outsources its banking in the us. So only standard is closest to international status 2nd only to citibank.
it may be possible that standard bank, gtbank and standard chartered may merge in the near future.
It would be nice to see GTB open branches in dubai, south africa, new york, hong kong etc
Also GTB needs to start responding to enquiry emails and put up a chat , so that people can chat with customer service if they want to open an account or if they have an issue, access, skye, zenith banks havs a chat so i don't see why GTB dosnt, apart from that GTB is still the best!
These banks are in alliance (i.e the have agreed on this) thats why you get a good deal on one thing with one bank and another deal on another thing in another bank.
Even in terms of COT and fees they are in alliance, one bank may charge you less for certain services, while another will charge you more for that same service.
Even in terms of location they agree on where they will establish bank branches.
By now CBN through its bank supervision department should have mandated all banks to notify customers of thier current charges for all services on theri websites and in the bank branches.
some of the banks on this list are better then others in certain areas for example the older banks are better at giving loans and credit than most of the new banks, but the new banks are better at use of IT, websites etc
whats so surprising is that the older banks over all are among the worst. how can banks that are so capitalised with the largest asset base, be so poor over all in rating where as the new banks that have less assets and less capitalisation have higher rating.
and whats also surprising is how the new banks are majority owned by the older banks for example first bank is one of the major investors behind access bank.
the top 10 banks for now are:
1 GT bank Best Overall
2 Zenith Good at international banking
3 Bank phb (platinum habib bank) Good Investment Banking
4 Access Good Vehicle leasing
5 Ecobank Good Debit/Credit cards
6 ETB (Equitorial trust bank) Good Fast Service
7 Standard Chartered Good Project/Trade Finance
8 Spring bank Good Website, Investment Banking
9 First City bank Good Finance
10 Standard Bank group (standard, stanbic and IBTC) Good International finance
the basis for the rankings are:
-speed of problem resolution and transactions
-use of information technology
-employee salary, pay and benefits
-management effectiveness, experience, education, knowledge and exposure
-marketing and advertising of products and services
-nice design, furniture in buildings and banking halls
-ease of credit and loans access and facility (for mortgage, cars, personal, asset acqusition, corporate/project fianance etc)
-international trade (import/export) assitance
-tax and utility bills collections
-other auxillary and saundry services such as bureau de change, vehicle rental, western union, airline booking, equipment leasing, hold mail, free bank email, foreign cheque clearing, financial/retirement advice etc
the worst banks are:
first inland bank
and all others not mentioned
The only thing about the older banks is that they have more branches than the newer banks.
Ive not done any business with GTB but Ive heard so much about them. My bank is Intercont. they are very friendly, and go to any lenght to satisfy their customers. The worst is Bank PHB, our assigned accounts officer never cared to know us, I had to change our staff salary account to Intercont.
I WAS IN OBUDU CATTLE RANCH AND WHILE ON THE MOUNTAIN, CASH BECAME EXHAUSTED. WAHALA COME DEH,
I WAS STILL WONDERING ON WHAT TO DO AND HOW TO TAKE "US" HOME WHEN I WAS TOLD THAT GTB GET BRANCH FOR DIA. I COULDN'T BELIEVE IT UNTIL I WITHDREW SOME MONEY FROM INSIDE THE BANK, YOU CAN IMAGINE HOW ELATED I WAS!! I SWORE TO BE IN FOR LIFE. THEY DID SAVE A DYING SOUL. WHILE LEAVING ON THE SUNDAY, I STILL WITHDREW SOME CASH FROM THEIR ATM!! Who says banking cannot be taken to the next, MOUNTAIN!
for a while now, different contributions have been coming in on this forum about which bank in nigeria is the most constomer friendly , for people that have been following the trend know that GT bank has the highest vote on this forum. This was confirmed yesterday at vanguard bankers award on AIT television where GT bank received some awards among which is the most customer friendly bank of the year.
Therefore, to everyone that have voted GT bank in house as the most constomer friendly bank in nigeria we are all right.
UBA to me is the numero uno. With the largest branch network in Nigeria and Africa and presence in US, China and UK, it sure is my favorite. As for the fella marvelling about fund trasfer speed of GTB, you need to know it takes two to tango. The delay usually rests with the recieving bank. I have UBA NRN Dom account and have had nothing but praises for them.
Apart from the fact that GTB is very customer friendly, one other thing that trigues me is the way their long queues vanish within few minutes.
The same queue that will last you 5 mins in GTB will last you 3 hrs in my once upon a time Union Bank (I am not exagerating).
I just pray that all these praises will not run into their heads.
KEEP IT UP GTBANK.
I can't think of any other bank that can equate GTB in terms of customer care. Not to be biased, we all must give it to
GTB. They are professionals to the core. They are among those who charge the lowest and that is if they are not the one who charge the lowest . The only bank where unnecessary details will not be asked in terms of account opening.
The bank where I will first experience not been embarrassed for making calls in the banking hall. Responsible and responsive customer care unit. The staff in GTB are not highminded but absolutely courteous. The management does not brag about their achievements as their professional approach to the needs of their customers speaks for all to hear.
The first (if not the only) bank where you can open a domiciliary account without any amount and without unnecessary demands. The bank where you feel a kind of special aura whenever you are there. Your self esteem is boosted by the environment and the treatment you receive. I doubt if there is any other bank in Nigeria that can compete in the capacity mentioned above. It is Guaranty Trust Bank or none else.