How to upgrade Ecobank account easily (Online & Offline)

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Hello, Today we’ll be discussing On How to upgrade Ecobank account easily (Online & Offline).

Ecobank is a leading Pan-African bank with millions of customers across 33 African countries. Upgrading your regular Ecobank savings account in Nigeria unlocks premium benefits.

Benefits of Upgrading Your Ecobank Account

Some reasons to upgrade your regular Ecobank account include:

  • Higher interest payment on account balances
  • Discount on selected banking charges
  • Free debit card with loyalty rewards programs
  • Increased daily limits on transactions
  • Special rates on quick loans and overdrafts
  • Priority counter service at branches nationwide

Tips for Upgrading Your Ecobank Account

How to upgrade Ecobank account easily (Online & Offline)

Useful tips when upgrading your Ecobank account:

  1. Visit your home branch for faster offline upgrade experience
  2. Leverage convenient digital channels for instant upgrade
  3. Choose account type based on usage – savings, current, corporate etc.
  4. Have valid ID card, passport photo and minimum balance ready

How to Upgrade Ecobank Account Offline

To upgrade at an Ecobank branch, take these steps:

  1. Visit any Ecobank branch near you
  2. Ask to upgrade account from regular savings to preferred premium type
  3. Fill out account upgrade form and submit with attachments
  4. Pay one-time upgrade fee
  5. Fund new account to applicable minimum opening balance
  6. Receive upgrade confirmation message within 24 hours

Documents Required for Offline Upgrade

  • Valid means of ID (national ID, driver’s license etc.)
  • Passport photographs
  • Proof of residence (utility bills etc.)

How to Upgrade Ecobank Account Online

To seamlessly upgrade online, take these steps:

  1. Login to Ecobank Mobile App or Online Banking
  2. Go to the Account Upgrade section
  3. Select preferred premium account type you intend to upgrade to
  4. Review terms, fill details and submit upgrade form
  5. Fund account immediately with required minimum balance
  6. Enjoy new upgraded account features instantly

Information Required for Online Upgrade

  • Account number
  • BVN number
  • Valid means of ID
  • Email address
  • Phone number
  • Minimum balance amount etc.

FAQs on How to upgrade Ecobank account easily (Online & Offline)

How to upgrade Ecobank account easily (Online & Offline)

Here are some FAQ with answers On How to upgrade Ecobank account easily (Online & Offline).

1. Which Ecobank account has easiest upgrade process?

Ecobank Premium Current Account has the simplest upgrade requirements, making it the easiest to upgrade from regular savings.

2. Can I operate both old and new accounts after upgrade?

Yes, you can choose to keep your old regular savings account running alongside the newly upgraded premium account.

3. Is there a cost for simply upgrading account?

Yes, it is currently a defined one-time account upgrade fee charged to move regular account package to premium type based on variant.

4. Do I need to change my debit card after upgrade?

No, your existing debit card will continue functioning normally after upgrade. However, you may request for higher card types now eligible based on new account tier.

5. How many days does Ecobank account upgrade take to complete?

Ecobank account upgrade takes 1-3 working days for both offline and online applications to be fully processed.

6. Can I apply for quick loans after upgrading account?

Yes, upgrading allows access to personal loans, overdrafts and credit facilities at discounted interest rates.

7. What is the minimum balance required to open current account?

Minimum balance required to open an Ecobank current account upon upgrade is N100,000 for individuals per time.

8. Must I visit branch to upgrade corporate account package?

No, Ecobank also allows initiating corporate account upgrade directly via mobile banking or internet banking platform.

9. Which premium account types can I upgrade to?

The major account types you can upgrade to are: Xpress Save, Classic & Corporate Accounts, Affinity Savings, Payroll and Cards etc

10. Can I downgrade after upgrading to premium account?

Yes, it is possible to seamlessly revert from the premium account back to your old regular savings account within 3 months without extra charges.

11. Is there a mobile app for account upgrade?

Yes, apart from Internet Banking you can also easily upgrade your Ecobank account via their mobile banking application.

12. What are the criteria to qualify for upgrade?

To qualify, you must run an existing savings account. Also have valid ID card, passport photo and meet special minimum balance for intended new premium account.

13. How much balance do I need after upgrade?

Minimum post-upgrade balance ranges from N5,000 for Xpress Save up to N1 million for Ecobank Corporate accounts.

14. Can I upgrade savings account for my children?

Yes, parents/guardians can upgrade existing Xpress Teens & Kiddies accounts to enjoy premium benefits nationwide.

15. Is there any upgrade offer for teenagers?

Yes, the Ecobank Xpress Teens savings account is also upgradable to premium benefits upon meeting stated terms and conditions.

16. How long does the whole upgrade process take?

The entire Ecobank account upgrade process takes between 1-5 working days from start to completion.

17. Which bank branches can I visit to upgrade account?

You can walk into any Ecobank branch of the over 250 locations across Nigeria to initiate upgrade of your savings account to premium benefits.

18. Can I upgrade if I don’t have BVN yet?

No, having an active Bank Verification Number (BVN) is a key requirement to be eligible for Ecobank account upgrade either online or offline.

19. I stay abroad, can I still upgrade savings account?

Yes, Nigerians abroad can upgrade to premium Ecobank Diaspora account by providing more details at a branch or via online banking.

20. My business has corporate account, can we also upgrade?

Yes, existing Ecobank SME and commercial account holders can request upgrade to enjoy several added premium services and benefits.

Read more: finance instant loan in nigeria which app gives loan immediately in nigeria 


Upgrading your Ecobank account enables you enjoy premium banking experience, flexible transactions, interest on funds and tailored solutions. Multiple channels available for easy upgrade experience within 24 hours. Walk into any branch nationwide or login digitally to initiate seamless upgrade.

After reading this article now you know How to upgrade Ecobank account easily (Online & Offline).

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