Blog

Products and Features of Hope PSB

Hope Digital Solutions: This helps you manage and operate your account with the several digital solutions Hope PSB provides. This feature includes the Hope digital collection, sales and delivery solution (phone POS), and Hope marketplace.

Hope Wallet: This is powered by Hope Payattitude. It is an account you can create and deposit funds to seamlessly for yourself, friends and family, and staff for regular payments. This product can be opened with no BVN, zero opening, and minimum balance, N300,000 maximum balance limit.

You can also make funds transfer to other banks, pay bills, withdraw or pay with just your phone number at ATMs, agent outlets, POS and anywhere you see the PayAttitude sign.

You can make direct debit instructions using the Hope PSB personal assistant. All you need to open a Hope wallet is your registered phone number.

Hope Savings: This is a savings account on your Hope app. It helps you to put funds aside as savings towards a financial obligation. You can save for bill payments, school fees, health, vacation, etc.

The Hope savings account allows users to save and meet financial needs and goals. Hope savings account can be created with a zero opening balance, you can transfer funds easily from the account to other banks, make direct debit instructions using the unique Hope personal assistant, pay bills, withdraw with your phone number at POS branches, ATMs, agent outlets, Web and anywhere there is a Payattitude sign. To open a Hope savings account you need a registered phone number and a valid BVN.

Hope Salary Savings: This is another Hope account that provides flexible and comprehensive financial services to users who are salary earners. It allows them to access their salaries easily with stress. The account can be created with a zero opening fee and a zero minimum daily balance. You can also perform other financial transactions on the account such as fund transfers to other banks, debit instructions using Hope personal assistant, payment of bills, payments and withdrawals can be made with just your phone number at ATMs, POS points, agent branches, and anywhere you see the Payattitude sign.

The requirements for the Hope Salary savings account are your BVN and a registered phone number. There is also the Hope Salary Current for salary earners that want a current account. It provides stress-free financial services to these salary earners with the same features as the savings account and the requirement is a BVN and active/registered phone number.

Hope Joint: This is an account on the Hope PSB app that allows a maximum of 3 individuals to create a joint account and save towards a financial goal or objective. You can open this account with a zero opening balance(this means you are not charged any fee to open the joint account), a zero minimum daily balance, competitive interest rates, payment of bills, funds transfer, and debit instructions can be made using the Hope personal assistant feature.

Immediately after the account is created, every member of the joint account receives a notification for digital pin selection. Also, every member has to approve any transactions being made from the account. The requirements to open this account are valid BVN of all members plus members’ registered phone numbers.

Hope Current Account: This is the Hope Current individual account that is designed to allow you to carry out daily banking transactions conveniently.

It also allows you to perform a wide range of business transactions seamlessly with 3rd parties and provides a smooth way to manage your daily financial activities. This account allows a minimum balance of ₦10,000, allows you to transfer funds to other banks, gives direct debit instructions using the unique Hope personal assistant, enables you to pay or withdraw with just your phone numbers at POS, ATMs, agent outlets, and anywhere you see the Payattitude sign. You need a valid BVN and a registered phone number to create an individual Hope current account.

Hope Business Account: This is another type of account on the Hope PSB app that targets registered small business owners, medium-scale enterprises, and other organizations to enable them to easily perform financial business transactions.

Hope blends this ease of transactions with bespoke solutions and services for businesses. The account features include zero minimum balance, zero opening balance, direct debut instructions with the help of Hope personal assistance, payment and withdrawals at ATMs or other outlets with just your phone number, fund transfers to other banks, and all signatories receive notifications for pin selections as well as any transactions on the app for approval.

The account can only be debited after all the signatories have given approval based on the mandate. The requirements include a Business Registration Number(BN), BVN of the business owners, 2 credible references, Tax Identification Number(TIN), and Regulatory licenses.

To open a Partnership Business Account, Hope PSB requires your Registration number, BVN of the partners, Tax Identification Number, and 2 credible references.

To open an account for registered societies, clubs, or religious groups, Hope requires your registration number, BVN of the trustees/signatories, Tax Identification Number as well as 2 credible references.

To open an account for unregistered associations, groups, or clubs, Hope will request for BVN of the exco members or the trustees plus two references.

To open an account for limited liability companies, you are expected to provide your company’s registration number, two credible references, the BVN of all the directors and shareholders, and the TIN(Tax Identification Number).