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Banks in Nigeria offer a lot of financial support to the public. They handle money transactions and provide a platform for inter-monetary transfers. If you are looking to open an account with Heritage bank, but having a little doubt as to what their services are like, then you are in the right place. In this post, I will share all you need to know about Heritage bank Nigeria, sharing tips on how to open an account with Heritage Bank, as well as how to download and register on the Heritage Bank Mobile App. 

Heritage Bank Nigeria 

Heritage Bank is one of the leading Nigerian banks in Nigeria with an excellent service culture tailored towards working with each customer to create a name and heritage for today and for future generations. With the ideals of Service, Performance, Respect, Integrity, Innovation, Tenacity, and Excellence forming core values, they have set out to redefine the concept of banking for the quintessential customer. 
Similar to most banks, Heritage bank also offers internet and mobile banking facilities to its customers. They have two options for internet banking, HB Online, and HeritagePay. Their mobile banking help customers to transact on the go at the convenience of your time and location as long as there is internet connection in that location.

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HB Online

HB Online provides customers a secure and convenient platform where they can execute banking transactions from the comfort of their homes and offices using an internet-enabled device. Customers can take control of the transactions and can safely transfer funds, pay bills, airtime top-up, etc. HB Online will ensure customers do not have to come to the experience centers to get value.


HeritagePay is its Corporate Internet banking Platform that according to the bank enables Corporate Organizations and Government Agencies to automatically handle payments of salaries and payment to third parties right from the comfort of their offices.

How to Open an Account with Heritage Bank
Heritage Bank

How to Open an Account with Heritage Bank

Before opening an account with Heritage Bank, there are some basic requirements that have to be met before proceeding. Some of the most important requirements for a starter website are listed below.

  • Account Opening Balance of 2,000
  • N1, 000 Minimum operating balance
  • Single Deposit Limit of N50,000
  • Maximum cumulative balance of N300,000 at any point in time
  • No ID
  • No KYC required
  • Passport photograph
  • Only basic information required:- Name, Place, and date of birth, gender, address, and telephone numbers registered with any of the Mobile Companies.

Once all the necessary files and requirements are met, you can simply go to the nearest Heritage Bank in your location and proceed to complete your account creation.

How to Download and register on the Heritage Bank Mobile App

To download this app, you can either go through their website then clicking on the mobile banking link. It will take you to the download link for both devices. Alternatively, you can simply go to your app store and do a quick search for Heritage Bank Mobile App, from there simply click on the install icon, if you’re on an Android device.

How to Open an Account with Heritage Bank
Heritage Bank Mobile App

You can make your life experiences simpler and stay in control with the Heritage Mobile Banking app. It also allows you to manage your finances; make card settlements, transfer funds, and make payments using QR (Quick Response codes).
To register your account, you need to have the app downloaded  from Google Play or Apple Stores, you can use either one of these methods specified below to Register  

Method 1: Registration With Hardware Token 

  1. Enter your Account number and Continue 
  2. Click Hardware Token 
  3. Enter the Token from the device and Token PIN 
  • Create and confirm Password (six digits) 
  • Create and confirm Mobile PIN (four digits) 
  • Click on Submit (Operation Successful) 

Upon successful registration, you are required to enter Account Number and Password to log in. 

Method 2: Registration With Card 

  1. Enter your Account Number and Continue 
  2. Select Card 
  3. Enter the Last Six Digits of the Card and Card Pin 
  • Create and Confirm Password (six digits) 
  • Create and Confirm Mobile PIN (four digits) 
  • Clicks on Submit (Operation Successful) 

Similarly, you will be required to enter the Account Number and Password to login to the App. 


The importance of having a bank account cannot be over-emphasized in our world today. In this post, I have shared all you need to know about Heritage Bank Nigeria, as well as how to register and download the Heritage bank mobile app. If you are looking for a bank to transact in 2020, then I would recommend HB Bank.

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