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Titan Trust Bank: Getting Started and Exploring its Features

By Oluchukwu Ikemefuna

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In the banking sector, Titan Trust Bank has emerged as a modern financial institution dedicated to providing innovative solutions to the needs of its customers. 

It was founded on the principles of trust, integrity, and efficiency and offers a range of services designed to simplify banking experiences and empower individuals and businesses alike.

In this post, we’ll be reviewing all you need to know about Titan Trust Bank and its notable features that set it apart in the banking industry.

What is Titan Trust Bank?

Titan Trust Bank Limited is a bank based in Nigeria that started operating in 2018 after getting permission to be a commercial bank in April 2019.

It is regulated by the Central Bank of Nigeria, which oversees banks in the country. The bank provides financial services to small and medium-sized businesses.

Adaeze Udensi leads Titan Trust Bank as the CEO, with Tunde Lemo as the Chairman.

Titan Trust Bank is a private organisation with about 500 employees and has its headquarters in Lagos, Nigeria. It also has branches in both Lagos and Kano State.

In June 2021, Titan Trust Bank was permitted to collect fees for the Nigeria Export Supervision Scheme (NESS) on behalf of the federal government. 

Then, in May 2022, the bank acquired the majority shares of Union Bank of Nigeria from various major shareholders, like Union Global Partners Limited, Atlas Mara Limited, Standard Chartered Bank, Montane Partners West Africa Limited, and Mr. Emeka Emuwa. This made Titan Trust Bank own 93.41 percent of Union Bank’s issued share capital.

To fund this acquisition, Titan Trust Bank secured $300 million in June 2022 and  in May 2023, the bank bought the remaining shares from all minority shareholders in Union Bank for 12.18 billion naira.

How to Open a Titan Trust Bank Account

To open a Titan Trust Bank account, it is required that you follow these simple steps below:

  • Choose the Right Account Type:

Check out the different kinds of accounts they offer, like savings or current accounts. Pick the one that fits your needs best.

  • Get Your Documents Ready:

Before starting, make sure you have the documents they’ll ask for, like your ID (national ID card, driver’s licence, or passport), proof of where you live (like utility bills or bank statements), and some passport-sized photos.

  • Apply Online or Visit the Bank: 

You can either go to a Titan Trust Bank branch or do it online through their website or app.

  • Fill out the Form: 

They’ll give you a form to fill out with your personal details, like your name, address, phone number, and what you do for work. Make sure everything is correct.

  • Submit your Documents: 

Send in your filled-out form along with the documents they need. If you’re doing it online, you might have to scan and upload them.

  • Deposit some Money: 

This depends on the type of account, you might need to put in some money to get started. Make sure you have enough cash in your account.

  • Wait for Approval: 

The bank will check your application and documents. This might take a few days. Once they give the thumbs up, they’ll send you a message with your new account information.

  • Activate your Account:

If you did it online, you might need to click a link they sent you by email or text to activate your account.

  • Start Using Your Account: 

Once everything’s set up, you’re good to go! You can start using your account for putting in or taking out money and doing transactions.

  • Keep Your Account Safe:

Remember, don’t share your account information with anyone and follow any security tips the bank gives you to keep your money safe.

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Requirements needed to open a Titan Trust Bank Account

Below are the requirements you need to meet in order to open a Titan Trust Bank account:

  • Fill out the account opening form completely.
  • Provide your Customer Information, which can be done online or electronically, depending on the bank’s rules.
  • Have your Bank Verification Number (BVN) ready.
  • Bring one passport photograph for identification purposes.
  • Provide full KYC documentation, which proves your identity. This could be your national passport, driver’s licence, voter’s card, or National Identity Management Commission (NIMC) card.
  • If you’re a foreigner, you’ll need to show a valid proof of residence or work permit.
  • Bring personal identification, such as your driver’s license.
  • Fill out a Risk Assessment Form with the help of an Account Officer.

You would have to make sure all your documents are valid and up-to-date to make the account opening process quicker.

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What are the Titan Trust Bank Banking Systems?

Titan Trust Bank has various banking systems for its customers, including internet banking, mobile banking, and USSD banking. 

Internet banking allows you to do your banking online through their website. You can easily register for internet banking by visiting their website and following the instructions.

Once registered, you can log in to your internet banking account anytime. For those who prefer banking on their mobile phones, Titan Trust offers a Titan mobile banking app.

With this app, you can manage your finances, such as topping up airtime, paying bills, and transferring funds. The app is available for both Android and iOS devices. You can download it from the Google Play Store for Android or the Apple App Store for iOS.

If you don’t have a smartphone or internet access, you can still do banking with Titan Trust through the Titan Trust USSD banking. Simply dial *922# from your phone linked to your bank account.

You can use this service to access basic banking functions like checking your balance, transferring funds, and even creating a new account if you’re not yet a customer.

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What is the Titan Trust Bank Customer Care Number?

If you need to ask questions or report any issues with Titan Trust Bank, you can easily reach out to their Titan Bank customer service team. They’re there to help you with any concerns you have.

You can get in touch with them by calling these numbers:

07000200200– 012265100- 012265129 or you can also send them an email at Contactcentre@titantrustbank.com. They’ll respond to you as soon as possible to assist you further.

What are the types of Accounts at Titan Trust Bank?

At Titan Trust Bank, there are different kinds of accounts you can open.

  • Current Account for Individuals:

This account gives you access to banking services every day through their online platforms. You don’t need to deposit any money to open it.

You can get loans, use debit and credit cards, deposit and withdraw cheques. 

To open one, you need to fill out an application form, provide identification like a driver’s license or passport, a passport photo, and references. You also need to show a utility bill to prove where you live.

  • Savings Account: 

This account also lets you bank online 24/7 and has no limit on how much money you can save. You can deposit cheques up to 2 million Naira every day. 

If you don’t make many transactions, you’ll earn a minimum of 10% interest per year.

To open this account, you need to fill out an application form, provide your Bank Verification Number (BVN), a passport photo, full details about yourself, proof of where you live or work (if you’re not Nigerian), and identification like a driver’s license or passport.

You’ll also need to fill out a risk assessment form.

  • Diaspora Banking: 

This type of account is for Nigerians who live outside the country. It lets them bank from anywhere without coming to Nigeria.

You can choose to open a Diaspora Savings, Current, or Domiciliary account. The Domiciliary Account can only be funded in Pounds, Euros, Dollars, or Yen, and you will need at least $100 to open it.

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The Titan Trust Bank Account Cards.

At Titan Trust Bank, customers have access to a comprehensive selection of card options tailored to cater to their individual preferences and banking requirements.

Among these choices are four distinct types of account cards: the Naira Master Card , Naira Verve Card, Titan World Elite MasterCard, and the Titan Platinum MasterCard.

The Naira Master Card is designed for everyday use, offering convenience and flexibility for transactions in local currency.

It allows users to make purchases both online and offline, as well as withdraw cash from ATMs across Nigeria and abroad where MasterCard is accepted.

The Naira Verve Card provides customers with seamless access to their funds, with the added benefit of acceptance at numerous merchant locations and ATMs nationwide.

This card is ideal for individuals who prefer the Verve network and seek a reliable payment solution for their daily needs.

For those looking to elevate their banking experience, Titan Trust Bank offers two premium options: the Titan World Elite MasterCard and the Titan Platinum MasterCard.

These cards come with exclusive privileges such as access to airport lounges, travel insurance coverage, and dedicated concierge services. They are tailored to meet the lifestyle demands of discerning customers who value luxury and convenience.

Whether you’re a frequent traveler seeking global acceptance and premium perks or a local shopper in need of a reliable payment solution, Titan Trust Bank’s range of account cards has something for everyone.

With innovative features, robust security measures, and a unique customer service, these cards are designed to empower customers and simplify their financial transactions.

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What are the Various Sectors of Titan Trust bank?

Titan Trust Bank is dedicated to empowering various industries by offering specialized solutions that cater to their specific needs. 

Whether you’re in manufacturing, oil and gas/power, fintech and telecoms, construction, financial institutions, agriculture, or maritime and logistics, they are available to support your growth and development. 

Their approach involves deeply understanding the dynamics of each sector and fostering strong relationships, both locally and internationally. This enables them to provide the competitive edge you need to excel in Nigeria and beyond. 

For manufacturers, the bank offer financial products and services designed to streamline operations and enhance efficiency. In the oil and gas/power sector, they provide tailored solutions to navigate the complexities of the industry and capitalise on opportunities. 

The rapidly evolving fields of fintech and telecoms, get innovative banking solutions to drive digital transformation and business expansion. 

For construction companies, Titan provides financing options and strategic guidance to execute projects effectively. 

Financial institutions can benefit from their comprehensive suite of banking services, while agricultural businesses can access specialised financing and advisory support.

The maritime and logistics sector benefits from the logistics financing and trade services to facilitate seamless operations.

No matter your industry, Titan Trust Bank is committed to helping you succeed by delivering customised solutions and unwavering support.

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What are the Achievements of Titan Trust Bank?

In 2021, Titan Trust Bank stood out with notable achievements. They earned recognition as the top Trade Finance Provider in Nigeria by Global Finance Magazine. 

They also received the prestigious Deal of the Year award from BusinessDay Banks and Other Financial Institutions (BAFI) Awards, highlighting their exceptional performance.

These accolades shows Titan Trust Bank’s commitment to excellence and innovation in the financial sector.


What is Titan Trust Bank?

Titan Trust Bank Limited is a Nigerian bank established in 2018 and licensed as a commercial bank in April 2019. It is Regulated by the Central Bank of Nigeria and it primarily serves small and medium-sized businesses.

Who is the CEO of Titan Trust Bank?

Adaeze Udensi is the CEO 

How do I open a Titan Trust Bank account?

To open an account with Titan Trust Bank, follow these steps:
– Choose the account type that suits your needs.
– Prepare necessary documents like ID, proof of address, and passport-sized photos.
– Apply online through their website or visit a branch.
– Fill out the application form and submit required documents.
– Deposit the required initial amount.
– Await approval and activate your account upon confirmation.

Who is the Chairman of Titan Trust Bank?

Tunde Lemo is the Chairman.

What banking systems does Titan Trust Bank offer?

Titan Trust Bank provides internet banking, mobile banking via their app, and USSD banking. These platforms offer various banking functionalities including fund transfers, bill payments, and account management.

What types of accounts does Titan Trust Bank operate?

Titan Trust Bank offers current accounts for individuals, savings accounts, and diaspora banking options. Each type of account caters to different banking needs and preferences.


Titan Trust Bank, led by CEO Adaeze Udensi and Chairman Tunde Lemo, stands as a beacon of innovation and excellence in Nigeria’s financial sector.

Since its establishment by a group of seasoned professionals, the bank has demonstrated a commitment to providing tailored financial solutions to small and medium-sized businesses. 

With a focus on customer satisfaction and strategic leadership, Titan Trust Bank continues to make significant strides, solidifying its position as a trusted partner for individuals and businesses alike in Nigeria’s evolving economic landscape.



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Blessing Ukibe
Blessing Ukibe

Medical Student at Nnamdi Azikiwe University|Tech content expert at Silicon Africa Technology|Lover of fun books and fun fun ☺️

Articles: 148

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