First City Trust Bank
LIVE RATES
EUR/USD$1.08420.12%
GBP/USD$1.26340.08%
USD/JPY$148.720.15%
USD/CAD$1.36210.05%
USD/CHF$0.90210.03%
AUD/USD$0.64120.09%
USD/CNY$7.24100.21%
EUR/USD$1.08420.12%
GBP/USD$1.26340.08%
USD/JPY$148.720.15%
USD/CAD$1.36210.05%
USD/CHF$0.90210.03%
AUD/USD$0.64120.09%
USD/CNY$7.24100.21%
Mar 12, 2026

Personal Banking

More than banking — tailored solutions for every need.

LIVE RATES
EUR/USD$1.08420.12%
GBP/USD$1.26340.08%
USD/JPY$148.720.15%
USD/CAD$1.36210.05%
AUD/USD$0.64120.09%
USD/CNY$7.24100.21%
EUR/USD$1.08420.12%
GBP/USD$1.26340.08%

Personal Banking

Everyday Accounts

Find the account that works best for your financial and business needs.

Individual Current Account

A flexible current account designed for everyday personal banking needs with zero maintenance fees.

Open Account
Gold Current Account

Premium current account with exclusive benefits including overdraft facilities and priority service.

Open Account
Premium Current Account

Top-tier personal banking with a dedicated relationship manager and a suite of premium services.

Open Account
Domiciliary Account

Hold and transact in foreign currencies (USD, GBP, EUR) right from your local bank account.

Open Account
Evergreen Account

Designed for retirees and senior citizens — enjoy a host of exclusive benefits and privileges.

Open Account
Community Current Account

Designed for associations, clubs and cooperative societies with collective financial goals.

Open Account

Borrowing

Quick Loans for You

Your future plans can be put into action today. Get access to the funds you need.

Payday Loan

Get instant cash before payday. Borrow up to 75% of your net monthly salary with no collateral.

Apply Now
Personal Loan

Flexible personal loans for any purpose — education, travel, home improvements and more.

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Auto Loan

Drive your dream car today with our flexible auto loan with competitive interest rates.

Apply Now
Home Loan

Make your dream home a reality with our affordable mortgage and home financing options.

Apply Now
Salary Advance

Access up to 50% of your net monthly salary in advance whenever you need it most.

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Advance for School Fees

Never let school fees interrupt your child's education. Apply for an instant education loan.

Apply Now

Loan Calculator

Calculate Your Loan

Use our quick calculator to estimate your loan eligibility based on your monthly income.

Apply for a Loan

Monthly Salary

$5,000
$500$50,000

Eligible Amount

$3,750

Up to 75% of salary

Saving & Investing

Grow Your Wealth

Instant Savings Account

Open a savings account instantly with zero paperwork and start earning interest immediately.

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High Interest Deposit Account

Maximize your returns with our high-yield deposit account — competitive rates, guaranteed.

Invest Now
Home Invest

A dedicated savings plan to help you reach your homeownership goals faster with added benefits.

Start Saving
HealthXtra

Save towards your healthcare expenses while earning competitive interest on your balance.

Learn More
Access Money Wallet

A mobile wallet that enables simple, secure and instant financial transactions on any network.

Get Wallet
Evergreen Savings

Exclusive savings account for retirees with preferential interest rates and no maintenance fees.

Open Account

Diaspora Banking

Banking Without Borders

Whatever continent your business or life takes you to, we have just the account for you. Manage your finances back home seamlessly from anywhere in the world.

Join Diaspora Community
Money Transfer Partners

Western Union

MoneyGram

AccessAfrica

RIA Money

The W Initiative

Empowering Women Financially

Over the years, we have provided sustainable tools for women to access true financial inclusion and growth. The W Initiative is more than banking — it's a movement.

W Power Loan

W Community

Education Support

Business Mentoring

Join the W Community

No. 1 Women's Community in Africa

Join over 2 million women who have transformed their financial futures through the W Initiative.

2M+
Members
$1B+
Loans Disbursed
18
Countries