How To Generate PIN + Token for Zenith Bank Without Hardware

Many people today find it hard to secure their accounts. Oftentimes, they look for other mediums to secure funds either traditionally or using crude methods of application. However, with Zenith Bank many can use this avenue in which they provide to secure transactions using the token system. Regardless of the means, Zenith Bank would provide you with your adequate OTP just on time for your online transactions. Moreover, the use of the keyword ‘token’ may seem too new to the user reading this. The next heading in this article would try to explain what the Zenith Bank token is. The subsequent would lead the reader into the steps involved in generating and acquiring a token.

What is Zenith Bank Token?

Zenith bank token is a security system that provides security for electronic banking operations. It is a small and easy-to-use device that generates OTP for each transaction which the user would need to input to finish the transaction. The zenith Bank tijen help to protect customer account from unauthorized access.

Requirements to How to activate Pin + Token for Zenith Bank without Hardware

Follow the requirements below to activate your PIN + token for Zenith Bank.

1.Create a Zenith Bank Mobile App or

2. A mobile phone compatible with USSD code *966#.

3. Your Internet login details with Zenith Bank(Username and Password).

4. Your Zenith Bank. account number.

5. Your registered phone number with the bank.

6. The last 4 digits of your Zenith Bank ATM card.

How to Generate Pin + Token for Zenith Bank without Hardware

You can generate the pin for Zenith Bank in two ways. Here are the two ways in which you can use to generate PIN + token for zenith bank.

1. Generate using the Gtbank app

2. Generate using USSD

1. Generate using the Gtbank app:

Step 1: Install the official Zenith Bank Mobile App from Playstore if you use Android.

Step 2: Log in with your details

Step 3: Scroll to the menu options and select “PIN and Token Request”.

Step 4: Click “Generate PIN + Token” and follow the instructions on the screen to complete the process.

Step 5: Once finished, your PIN + Token will be displayed on the home screen of the app.

ALSO READ: 10 Best Domiciliary Account In Nigeria 2023

Using the USSD Option

Step 1: Dial *966# on your dial pad.

Step 2: Select “8” for “Next Page” and

Step 3: Tap “6” for “PIN and Token Request”.

Step 4: Choose “1” for “Generate PIN + Token” and follow the instructions to complete the process.

How to Activate Zenith Bank PIN + Token for Transactions

There’s a difference between using Zenith Bank and knowing the correct way of activating the pin +token for transactions. However, this can be done in two ways:

Using the Zenith Bank Mobile App:

Step 1: Download the Zenith Bank Mobile App from your app store and log in with your Internet banking credentials.

Step 2: Scroll to the menu tab and choose “PIN and Token Request”.

Step 3: Choose “Activate Token” and follow the instructions on the screen to complete the application

Using the USSD code:

You can also get it activated with the aid of the Ussd code.

Step 1 Dial *966# on your dial pad.

Step 2: Choose “8” for “Next Page”

Step 3: Choose “6” for “PIN and Token Request”.

Step 4: Select “2” for “Activate Token” and follow the instructions provided.


How do I find my token number?

Your Zenith Bank token number can be found on the back of the device. It is usually a 10-digit number that starts with the inscription “ZTKN.”

What to do when the Zenith Bank token is locked?

If your Zenith Bank token is locked, you will need to visit your nearest Zenith Bank branch to have it unlocked. You may also contact Zenith Bank customer service to report the issue and obtain further instructions on how to resolve the problem

How do I recover my atm pin without going to the bank?

Almost all banks in Nigeria offer quick reset of ATM pins through NetBanking. This would help if you have registered for NetBanking facilities, all you need to do is log in through your phone and go to the ‘Cards Section’ and request “Instant PIN Generation.”

How do I activate the USSD code for Zenith Bank?

Dial the USSD code for Zenith Bank; *996#.

What medium can I use to activate my pin + token without Hardware?

1. Using the Zenith Bank application

2. Using Zenith Bank USSD


Having witnessed how Zenith Bank can be used to secure transactions, it is very pertinent to observe that the durability of the OTP only lasts for a short time. If you waste time inputting your password into your online transactions you are putting yourself in a precarious situation

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