How to Generate Pin + Token for Zenith Bank without Hardware

Are you a Zenith Bank account holder looking to enhance your online banking experience? If you’ve recently wants to digitize your financial transactions, you might have heard about the need to generate a PIN and token for Zenith Bank. 

Without this crucial PIN and token, your online banking with Zenith Bank may hit a roadblock. So, if you’re eager to take full advantage of Zenith Bank’s online services, this article is for you.

Without further ado, let’s dive into Zenith Bank online banking and reveal the process of generating your PIN and token without the need for any hardware. So, fasten your seatbelt, and let’s embark on this journey together!

What is a Token?

A token is a security device that generates a one-time password (OTP) that is used to authenticate your identity when you make online transactions. The OTP is different for each transaction, so it is much more secure than using a static password.

There are two types of tokens: hardware tokens and software tokens. Hardware tokens are physical devices that you have to carry with you. Software Tokens on the other hand, are convenient and user-friendly. They are applications that you can easily install on your smartphone or computer.

Why Do I Need a Token?

You might wonder why a token is necessary for your online banking. Here are my reasons why you should have a token for your Zenith bank account. 

Enhanced Security: Tokens provide an additional level of security by generating unique OTPs for each transaction. This makes it extremely difficult for unauthorized individuals to access your account.

Protection Against Fraud:  With a token, you’re better protected against online banking fraud and unauthorized transactions.

How Do I Generate a zenith bank Token Without Hardware?

Now that you understand the significance of a token, let’s go through the steps to generate one without the need for any hardware.

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Step 1: Download the Zenith Bank Mobile App

Begin by downloading the Zenith Bank Mobile App from the Google Play Store (for Android devices) or the Apple App Store (for iOS devices).

Step 2: Create an Account or Log In

If you’re not already a Zenith Bank app user, create an account by providing the required information. If you have an existing account, simply log in using your credentials.

Step 3: Navigate to the “PIN and Token Request” Section

Within the app, navigate to the “PIN and Token Request” section. This is where you’ll initiate the token generation process.

Step 4: Select “Generate PIN + Token”

Choose the option to “Generate PIN + Token” from the menu. This will initiate the token creation process.

Step 5: Enter Your Account Details and Create a PIN

Provide the necessary account details and create a secure PIN. Ensure that your PIN is strong and not easily guessable.

Step 6: Verify Your PIN

To confirm your PIN, you’ll be asked to enter it again. Double-check to ensure accuracy.

Step 7: Generate Your Token

Once your PIN is verified, the app will generate your token. This token will be used for your online banking transactions.

How to Generate a Zenith Bank Token Using USSD Code

For those who prefer not to use the mobile app, there’s an alternative method using USSD code. Here’s how:

1. Dial *966# on your phone.

2. Select “8” for “Next Page” and then select “6” for “PIN and Token Request.”

3. Choose “1” for “Generate PIN + Token” and follow the on-screen prompts.

Remember to keep your generated token safe and secure. Never share it with anyone else.

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How to Use Your Token

Once you’ve successfully generated your token, you can start using it for your online banking transactions. Whenever you make a transaction, the token will generate a unique OTP for verification, adding an extra layer of security to your financial activities.


In conclusion, I hope you found this article educating, now I am assured that you know how to Generate Pin + Token for Zenith Bank. If you have any question that needs urgent clarity, do well to contact us using the comment section. Thanks for reading 


How to create USSD transfer pin for Zenith Bank without ATM card?

To create USSD transfer pin for your Zenth bank without an ATM card, first

  • Dial *966# on your phone.
  • Select the option for “Create USSD Transfer Pin”.
  • Enter your Zenith Bank account number.
  • Create a 4-digit PIN.
  • Confirm your PIN.
  • You will receive a confirmation message once your PIN has been created.

How do I get my Zenith Bank token from USSD?

To do this, 

  • First, Dial *966# on your mobile phone.
  • Select the option for “Token”.
  • Enter your Zenith Bank account number.
  • Follow the prompts to complete the process.

The token will be generated and sent to your registered mobile phone number. You will need to enter this token whenever you make a transaction that requires two-factor authentication.

How do I reset my Zenith USSD transfer PIN?

To reset your Zenith USSD transfer PIN, you can follow these steps:

  • Dial *966*6*0# on your phone.
  • Select the option for “Reset PIN”.
  • Enter your Zenith Bank account number.
  • Enter your old PIN.
  • Enter your new PIN.
  • Confirm your new PIN.
  • You will receive a confirmation message once your PIN has been reset.

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