The required documents may vary depending on the type of account you wish to open. Generally, you will need:

• A completed account opening form
• A valid means of identification (National ID Card, Driver's Licence, International Passport, or Permanent Voter's Card)
• Bank Verification Number (BVN)
• National Identification Number (NIN), where applicable
• Recent passport photograph
• Utility bill or proof of residential address
• Phone number and email address

Additional documentation may be required for business or corporate accounts.

You can apply for a loan by visiting any DIOBU Microfinance Bank branch or through our approved digital channels where available.

Your application will be assessed based on factors such as:

• Income or business cash flow
• Credit history
• Loan purpose
• Repayment capacity
• Required documentation

Approval is subject to the Bank's credit policy and regulatory guidelines.

You can transfer funds using any of the following channels:

• Mobile Banking App
• Internet Banking
• USSD Banking (where available)
• ATM
• Any DIOBU Microfinance Bank branch

Transfers may be subject to transaction limits and applicable regulatory requirements.

If you forget your login password or transaction PIN:

• Use the "Forgot Password" option within the Mobile Banking App or Internet Banking platform.
• Follow the verification instructions.
• If you are unable to reset your password, contact our Customer Care or visit the nearest branch for assistance.

For your security, never share your password, PIN, or One-Time Password (OTP) with anyone.

Immediately report the loss through any of the following channels:

• Contact our Customer Care Centre.
• Visit the nearest DIOBU Microfinance Bank branch.
• Use any available self-service card management feature on our Mobile Banking App.

Your card will be blocked to prevent unauthorized transactions, and a replacement card can be issued upon request, subject to applicable fees and verification.

Certain banking services may attract charges in accordance with applicable regulations and the Bank's approved schedule of charges. Examples include:

• Electronic transfers
• ATM card issuance or replacement
• SMS transaction alerts
• Account maintenance (where applicable)
• Special banking services

A current schedule of applicable charges is available at our branches and through our official customer service channels.

You can reach our Customer Support through any of the following channels:

• Visit our Bank.
• Call our Customer Care telephone line during official working hours.
• Send an email to our official customer support address.
• Use the contact form on our website.
• Send us a message through our verified social media channels.

Our Customer Service team is committed to responding to enquiries and resolving complaints promptly and professionally.