Help
Help centre
Search the answers, or talk to us. Our AI line and the chat answer day and night.
Accounts
What do I need to open an account?
A valid ID, your BVN and a passport photograph. If you do not have a BVN, we enrol you at the branch.
Can I open an account online?
Yes, on the open an account page or in the chat. You collect your card at a branch.
Is there a monthly fee?
No monthly fee on Everyday, Grow and Youth accounts. Business accounts are ₦1,000 a month (example).
Cards
I lost my card. What do I do?
Freeze it at once with *000*5# or in the app, then collect a replacement at any branch the next working day.
Can I use my card abroad?
Yes, after you turn on payments abroad in the app or on the cards page.
Transfers
How many free transfers do I get?
20 a month on Everyday, then ₦10 each (example).
A transfer has not arrived. What now?
Most arrive in seconds. If not within an hour, call our AI line with the reference and we trace it.
Loans
How fast is a salary loan?
Usually within two working days of a complete application.
When do I repay an agric loan?
After harvest, on a date agreed with your field officer.
Safety
Will Ardent ask for my PIN?
Never. Not by phone, SMS, email or chat.
Digital
Does USSD work without data?
Yes. Dial *000# from your registered line on any phone.
Branches
When are branches open?
Most are open 8am to 4pm on weekdays and 10am to 2pm on Saturdays. Terminus opens at 7:30am.
Contact
Still need help?
+234 800 000 0808
Answered day and night in Nigerian English.
+234 800 000 0101
Banking hours, Monday to Saturday.
Visit a branch
Nine branches with live hours.
Call our AI line, answered day and night in Nigerian English
It checks balances, freezes cards, books branch visits and hands you to a person on the team when you need one. Example details for this demo.