Zenith Bank Hardware Token: Here is How to get Hardware Token in Zenith Bank

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Hardware Token
Zenith Bank Hardware Token Explained

Hello guys! Are you looking for ways to get Zenith Bank Hardware Token? This tutorial will guide you through how to get the hardware token in Zenith Bank. Not only that, you’ll also learn how to activate the hardware token, unlock or reset the hardware token’s PIN, and also learn more about Zenith Bank eToken and how to activate it.

In this digital age, it’s not a surprise that commercial banks are embracing the use of digital tokens to help secure customer’s bank account details from compromisers, scammers and hackers when performing internet-based and offline transactions.

Zenith Bank is one of the commercial banks in Nigeria that’s definitely making use of token to guarantee the safety of customer’s account. With the Token PIN, Zenith Bank account holders can securely carryout banking services such as money transfers, airtime and data top up, pay bills, and so on.

Zenith Bank Tokens are of two types; The Software Token otherwise eToken and The Hardware Token. The eToken is a one-time security pin sent to account holder to authorize their transaction, while, the hardware token is a mini system that is given to customers to request a one-time password to authorize transactions.

Zenith Bank Token

Zenith Bank Token is a security system built to offer extra layers of securities to customer’s bank account. Token can be utilized as hardware or software to generate a one-time-password code (that is, a two-factor authorization) to authorize a transaction on the internet banking or mobile banking app.

How Token Works
How Bank’s Token Works

In a nutshell, Zenith Bank Token is a one-time password (OTP) that’s usually in six digits. Account holders use it to authenticate multiple transactions on the internet banking or mobile banking application. 

What is hardware Token in Zenith Bank?

Zenith Bank Hardware Token is a small computer device that’s used to offer more security for internet banking activities such as send of funds, changing of transaction PIN, requesting of bank account statement and more on the online banking.

The Hardware Token is used to generate one-time-passcode to authorize transactions such as money transfer, bill payment, web purchase e.t.c. Hardware Token PIN can be used to authorize and authenticate any transactions on the Zenith bank internet banking.

However, do note that codes generated from Zenith bank hardware token are available for use in a limited period of time. Furthermore, the codes can only be used once and if enter wrongly, the transaction will not go through, hence giving it an extra layer of security.

How to get Zenith Bank Hardware Token

First of all, to get Hardware Token in Zenith Bank, you’ll need to visit any of their bank’s branch near you. Next, request for Token Application Form and Fill out the form with your correct details such as account name, account numbers, phone number, and email address.

You’ll also need to check-in the box of “Hardware Token” and not soft token. Furthermore, make sure you go through all the terms and condition of use of the token you’re requesting for. Then submit the Token application form to a customer support team in desk.

The Zenith Bank Hardware Token Device usually cost N3,500 at the time this article is published. The hand-on-desk customer representative will tell you when to make the payment over the counter if you don’t have sufficient funds in your bank account.

Furthermore, once your request is granted, you’ll be given the Hardware token which you will need to activate. Now, let’s proceed to Zenith bank hardware token activation.

How to Activate Zenith Bank Hardware Token

To activate the Zenith Bank Hardware Token, you’ll need to browse the Zenith Bank Token Activation page on their official website. on the activation page, input your Zenith bank account number and a one-time password will be sent to your registered phone number or email address.

Confirm the OTP code and input it in the appropriate box. Next, get Token’s serial number from the Hardware device and input it in the appropriate box as well. Next, you’ll be required to create a 4-digits PIN. Create the PIN and tap on continue to proceed.

Once all the above process are done, then, you’ve successfully activate your Zenith Bank Hardware Token. You can now carryout internet and mobile baking transaction with your activated hardware token.

Unlock or Reset your Zenith Bank Hardware Token PIN

If you’re looking for ways to unlock or reset your Zenith Bank Hardware Token’s PIN, here is how;

  • Go-to www.zenithbank.com from your web browser and tap on Self Service.
  • On the self-service’s portal, select Token’s PIN reset/unlock and input the required account information.
  • A one-time-password will be sent to your registered phone number or email address, input the code to proceed.
  • Now, you’ll be given an option to reset your Hardware Token’s PIN

These are just the simple step-by-steps guides to unlock or reset your Zenith Bank Hardware Token. For now, that’s all about Hardware Token in Zenith Bank. Now, let’s dive into Zenith Bank eToken and app.

Zenith Bank E-Token App
Zenith e-Token App

What is Zenith Bank E-Token?

The Zenith Bank eToken or software token is a 6-digits one-time password (OTP) that’s generated on the Zenith E-Token App. Likewise, Hardware Token, Zenith E-Token is used for authenticating transactions on mobile banking apps and internet banking.

The E-Token is used to provide additional layer of security for transaction like money transfer, bills payment and other online transactions. eToken can be used in place of hardware token and it possess an app that can be used to manage and activate it.

Zenith Bank E-Token App

Zenith e-Token App is a mobile application that generates a 6-digit one-time password (OTP) for authorizing any transactions on your Zenith bank account app and internet banking. 

The eToken app can be used generate codes for transactions, such as funds transfers and bills payment, on Zenith Bank mobile banking app and Internet Banking.

The Zenith eToken App can be used in place of Hardware Token. The app is available for download on the Google’s play store and Apple’s app store for iPhone users. 

Once you’ve downloaded the eToken Mobile Application from your favorite apps store, the next step is to activate it. Continue reading to learn how to activate your eToken app.

How to Activate Zenith e-Token App

Follow the below step-by-steps instructions to register and activate your Zenith Bank e-Token via app.

  • Download and Install the Zenith e-Token app from play store or app store.
  • Register as an Individual or Corperate if you’re running a current account.
  • Choose your preferred Activation Method. Available options are Hardware Token, Debit/Credit Card and Quick Access Code.
  • Input the activation method detail. E.g, for Hardware Token, you’ll enter PIN+Token to confirm, for Debit/Credit Card, you’ll input Last 6-digit + PIN, and for Quick Access Code, you’ll input Activation code.

In summary, the PIN+Token option in Zenith mobile app activation process means you will enter a PIN and a token code from your Hardware Token. Once this option is consider, you will receive a 6-digit one-time-password on your registered phone number. Enter the OTP code in the box provided, and enter the 4-digit code you generated from your Zenith bank hardware token.

However, do note that a fee of  ₦1500 will be debited from your Zenith bank account for the e-Token activation.

Zenith Bank Token Transaction Limits

One of the many reasons to activate token for your Zenith Bank Account is to enhance your daily transaction limit. Usually, USSD code permit ₦100,000 transaction per day, while mobile banking application permit transfers up to ₦5 million max daily

Meanwhile, e-Token and Hardware Token lets account holder to perform transactions of up to ₦5 million and above daily.

Zenith Bank Token is one of the way to carry out transactions of huge amount of money from your bank account daily without visiting the bank. With an internet-connected device and token system, you can create an OTP to authorize your transfer.

FAQs; Zenith Bank Token

What is PIN + Token in Zenith Mobile App?

In Zenith Bank, PIN + Token simply means the banking system is request for your transaction PIN and the code generated from your e-Token or Hardware Token.

How Much is Zenith Bank Token

The Zenith Bank Hardware Token cost N3,500, while the e-Token cost N1,500. The value for each token will be debited from your Zenith bank account immediately you activated the Token.


Zenith Bank Token is an one-time password that’s generated via app or hardware device to authenticate and authorize any type of transaction on the internet banking or mobile banking app. Token is built by banks to help account holders add extra layer of security to their bank account and keep their money safe from hackers and scammers.

Furthermore, by following all the guides highlighted in this article, you’ll be able to register and activate Hardware and e-Token on your Zenith Bank Account.

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