How To Get Into The US Navy Academy

How To Get Into The US Navy Academy

How To Get Into The US Navy Academy

The US Navy Academy (USNA) is like any other higher institution in the United States, the only difference is that this is a place where Naval Officers are trained to become Officers of the United States Navy.

As joining the US Navy Academy is one of the questions most of our readers ask, in this post we will explain everything you need to know about the US Navy Academy, the qualifications required to join the USNA and how to apply.

Us Navy Academy is one of the best military academies in the world. Its training facilities and equipment are excellent which is why the academy is ranked as one of the best marine academies in the world.

The US Naval Academy (USNA) is a federal service academy close to Annapolis, Maryland.

The US Naval Academy was created on October 10, 1845. Since then, the Academy has never been considered one of the best of any academy in the entire world.

Us Navy Academy Admission Requirements

In order for you to be able to join the United States Naval Academy, you must meet the following criteria:

USNA Admission Requirements

To meet the requirements to join the US Navy Academy you:

  1. Must be a United States citizen by July 1 of the year of entry
  2. Be at least 17 years of age and must not have turned 23 on July 1 of the year of entry
  3. Applicants must not be married
  4. You must not be pregnant and you must not have any dependents
  5. You must have a valid social security number (SSN).

For those who don’t have the card, you can sign up using the link below.

SEE: Top Best Fully Funded Scholarships in USA

For those in high school but not old enough to apply, you can register with USNA to receive information about their summer programs using the link below:

USNA Candidate Portal

The official United States Navy Academy Candidates Portal is:

Available for candidates to apply and check their admission status.

US Navy Academy Tuition

Please note that all students who attend the United States Naval Academy do so on a full scholarship.

This simply means that you will not pay any fees.

The US Navy pays 100% of all tuition, room and board fees, medical and dental care costs for Navy Academy midshipmen.

RenMoney Loan: Get Instant Loan Within Minutes

RenMoney Loan: Get Instant Loan Within Minutes

RenMoney Loan: Get Instant Loan Within Minutes

If you are looking for a platform to get instant cash loans in Nigeria, RenMoney is one of the reliable source to get instant loan without collateral.

About Renmoney Loan

Renmoney is a microfinance bank based in Lagos Nigeria, it offers loans to Nigerians without asking for a guarantee or guarantor.

They have been providing business and personal loans since 2012, and over 300,000 loans have been granted by this organization.

Renmoney Loan Requirements

Below are the requirements for getting a Renmoney loan;

  • Borrowers must have an active bank account at any commercial bank in Nigeria,
  • Must have a sustainable job or business
  • And must be between 22 and 59 years old,
  • Your bank account statement for up to 6 months,
  • Recent passport photograph,
  • Identity Card from where you work

SEE: How To Get Fast Loan From Carbon Loan

How To Get Loan From RenMoney

Follow the steps below to get a Renmoney loan:

  1. Visit the Renmoney application website at
  2. Start and complete the renmoney loan application form on the website
  3. Upload all required documents and
  4. Wait for your loan request to be approved

If your loan application is approved, you will receive the loan in 24 hours or less.

You can also apply for a loan by visiting the Renmoney office.

How much is the maximum loan you can get from Renmoney?

Applicants can get up to six million naira (N6,000,000) from Renmoney, depending on why they need the money.
Does Renmoney Offer Loans to Corpers?
Yes, as long as they meet Renmoney loan requirements.

SEE: QuickCheck Loan: How To Get Easy Loan on The App

RenMoney Loan Interest Rate

The interest rate depends on your repayment choice. The higher the repayment, the higher the interest rate. For a one year repayment, the interest rate can be up to 33.9%.

But you will get a low interest rate if you pay it back in 1, 2 or 6 months. The loan term is from 1 to 12 months.

RenMoney Loan App

To download renmoney app, visit Google play store for Android users and download. Or search on Google RenMoney APK, follow the link and download.

Iphone or iOS users can download the app from iOS app store.

SEE: Opay Loan: Get Instant Approval Without Collateral

RenMoney Contact

The RenMoney Microfinance Bank contact is available for both customer care number and email address below:

RenMoney Customer Service Number

The official RenMoney Customer Care Number is: 0700 5000 500 And it’s available  from (9am – 11pm).

RenMoney Customer Email

You can reach the official RenMoney Customer Care via email on:

SEE: Places to Get Loan Without Collateral: List Of Top 9 Banks

RenMoney Address In Lagos

23, Awolowo Road Ikoyi, Lagos, Nigeria. Website: www renmoney loan com

If you have any questions about this loan opportunity, don’t hesitate to drop it in the comments section below.

Nigerian Military School (NMS) Zaria Admission Form: Apply here

Nigerian Military School (NMS) Zaria Admission Form: Apply here

Nigerian Military School NMS form for 2021/2022 academy admission

The online application for the 2021/2022 for Nigerian Military School (NMS) zaria, academy session form is out. Candidate are to read the instructions carefully and fill in the first rm online.

General instructions for admission into Nigerian Military school (NMS) Zaria 2021×300&!2&btvi=1&fsb=1&xpc=LIUs0H9hud&p=https%3A//

  1. Candidates and their parents/guardians are strongly advised to read and strictly adhere to the application procedure. The School shall not be held accountable for errors or problems arising from failure to strictly adhere to the application procedure.
  2. After you fill the candidate’s details and click the GENERATE FORM button, the payment advice slip will be displayed. Please print it out and keep a copy for reference.
  3. Payments can be made online directly from this portal using bank-issued debit cards (a.k.a. “ATM Cards”) or by taking the printed payment slip to a bank to make payment. The bank will post the payment through Interswitch PayDirect.
  4. If you pay at a bank, make sure you collect your PayDirect receipt from the Bank and keep it safe.
  5. After paymenrt, candidates must print out their Examination PhotoCard from the portal. Candidates without Examination PhotoCard shall not be allowed to write the Entrance Examination.

See: How to join Nigerian Airforce SSCE easily, based on merit.

Nigerian Military School (NMS) Zaria website

The official admission/academy website of the Nigerian Military School NMS Zaria, is while to apply for the NMS Admission click on 

Read out the instructions and careful, then click on start. To start a new application.

How to: Get airtel 300% bonus for recharging your SIM.

Nigerian Military School (NMS) Zaria Age requirement

Admission into Nigerian Military School (NMS) Zaria is open to all Nigerian Boys who are between ages of 12 – 14 years old and who satisfy certain requirements, excluding females.

Nigerian Military School (NMS) 2021 zaria form opening date

the online application for admission into the Nigerian Military School NMS, starts on the 19th March 2121. For the 2021/2022 academy admission session.

Read Also: Facebook account hackers: how to recover hacked Facebook account.

Nigerian Military School (NMS) 2021 form closing date

the online application for admission into the Nigerian Military School NMS, Closing Date is 29th may 2021. For the 2021/2022 academy admission session.

Date of Nigerian Military School (NMS) Zaria 2021 examination

The official date for the NMS examination is scheduled to take place on Saturday June 5th 2021. In all designated examination centers Nationwide.

Click here to apply. 

Nigerian Military School (NMS) Zaria customer care number

For further enquiry. You can reach the Nigerian Military School NMS Zaria on their customer care help line on 09055522283, 09055522284 or reach them on their email, via:

DAAD Masters Scholarship: Full Funded

DAAD Masters Scholarship: Full Funded

DAAD Masters Scholarship: Full Funded
Daad Master and PhD Scholarship

Scholarship Overview

The DAAD Masters Scholarship: 2022-2023 program purpose is to promote the development of university faculty and empower public sector employees through graduate training in selected graduate programs at the institutions listed below.

This program strongly encourages the mobility of Sub-Saharan Africans to study in host institutions in the East African region. There are 13 participating host institutions in the East Africa Region. The Scholarship body strongly recommend applicants to apply to institutions outside their home countries.×300&!2&btvi=1&fsb=1&xpc=NwPFLshjMy&p=https%3A//

Host Institution

DAAD Institutions in eastern Africa Regions.

Course/Field of Study

Not Specified.

Scholarship Type

Masters and PhD

Scholarship Value & Inclusion

  • University tuition fees
  • (once a year) research allowance
  • monthly stipend
  • travel allowance (in-region only)
  • health insurance (in-region only)
  • and the possibility of a study visit of up to 6 months to Germany within the period of the scholarship.

See: Illinois Wesleyan University Scholarships for International Students

Number of Awards

Numerous scholarship will be awarded to candidates.

Target Group/Country

The scholarship is open to citizens and permanent residents of Sub-Saharan Africa to study at selected institutions outside their home country.

DAAD Scholarship Requirements For Masters

Applicants must meet the following DAAD criteria:

Have generally successfully completed a three-year Bachelor’s Degree (Master’s Degree candidates) with above-average results (at least: Second Class / Higher Division, if applicable)
have generally successfully completed a two-year university master’s degree (doctoral candidates) with above-average results (at least: Second Class / Higher Division, if applicable)
clearly show motivation and strong commitment.

See: Easy Hacks On How To Win A Scholarship

  • have in-depth knowledge of the language of instruction.
  • usually completed their last university degree no more than 6 years ago at the time of application.
  • must be nationals or permanent residents of a country in sub-Saharan Africa
  • generally must be a) public university employee, b) candidate considered for recruitment of teaching or research personnel, c) public sector and/or d) DAFI program students

Please refer to the 2022 Scholarship Application Call for additional requirements and documents to be submitted.

DAAD Masters Scholarship Deadline

Deadline for DAAD Masters Scholarship 2022 intake is December 15 , 2021. Please note that the host institutions have their own set deadlines.

See: Common Wealth Masters Scholarship

How To Apply For DAAD Scholarship For Masters

All applications must be made directly on the DAAD portal (for the scholarship) and a separate application must be made to the host institutions (for admission eligibility) in the program. Each scholarship application call has a direct link to the DAAD portal for the specific program in which you are interested.


The official website is:

Apply Here

How To Get Fast Loan From Carbon Loan

How To Get Fast Loan From Carbon Loan

How To Get Fast Loan From Carbon Loan

Read this article to know How To Get Fast Loan From Carbon Loan, The Carbon loan App is one of the online loan applications available in Nigeria.

But the fact is that many people still have doubts whether this Loan app is real or fake.

Carbon which is formally known as Paylater has been around for so long. They changed their name from Paylater to Carbon in recent years.

So whenever you hear about Paylater or the carbon loan, always know they are the same.T

The carbon loan app provide up to ₦1,000000 naira loan to it’s users and customers.

Carborn Loan App

The Carborn Loan App is a loan app from the previous paylater. It’s used for to buy airtime, pay bills, save money and and request for loans.

SEE: Opay Loan: Instant Approval Without Collateral

Carbon Loan App for iPhone

The carbon paylater loan app is available for iPhone or iOS users on the apple app store for download.

Carbon Loan App Apk Download

The carbon loan app download is available can be downloaded here or available on the Android Google play store for download.

SEE: Places to get loan without collateral: list of top 9 banks

How To Get Loan From Carbon Loan

To get loan from the carbon loan app, you need to:

  1. Download the app from the Google Playstore or App Store and fill in the required information including your name, BVN, date of birth and some other questions.
  2. Once this is done, Carbon reviews your application and approves it almost instantly if everything is correct.
  3. You will be given a loan limit and decide how much you need to borrow from your loan limit.

Generally, carbon loan is a legitimate loan application that can be used to get an instant loan whenever you run out of cash or need to start a small business.

Carbon Loan Website

The official carbon loan nigeria or carbon loan app kenya website is it’s available for Nigerias and Kenyans.

SEE: Get Fast FCMB Loan Code With Ease

Carbon Trust Loans Interest Rates

The carbon loan interest is rate known as the carbon trust interest free loan, or carbon trust interest free loan. this means that the carbon loan app don’t charge interest to it’s customer.

QuickCheck Loan: How To Get Easy Loan on The App

QuickCheck Loan: How To Get Easy Loan on The App

QuickCheck Loan: How To Get Easy Loan on The App
QuickCheck Loan

QuickCheck Loan Nigeria is an online loan application in Nigeria which has also been around for some time.

QuickCheck Loan is like any other loan app where all transactions are done online, no billing, no paperwork, just your BVN number and your loan will be given to you.

The QuickCheck is provided through an automated loan service focused on increasing access to credit for individual borrowers in Nigeria.

Loan decisions are provided within a few days and, if approved, the applicant receives funds within 5 minutes.

Loans are delivered via bank account transfer, with loan decisions provided almost instantly.

The usual amount for new borrowers is ₦10,000

Loans from money lenders are designed to be short term loans that are designed to help you until your next payday.

Quickcheck Ng Loan

The Quickcheck Ng Loan is available to personal consumer loan, students and individuals ineligible for typical bank loans due to thin credit score.

The Quickcheck loan doesn’t require collateral or guarantor, it’s interest rate is (15% – 32%)

Quickcheck Loan Requirements

SEE: Palmcredit Loan: Get Loan Easily on The Go

How to Apply for Quickcheck Loan

Follow the below steps to apply for Quickcheck Loan:

  1. Download the app on Google play store or App Store for free
  2. Sign up for an account and provide your details
  3. Apply for a Loan
  4. The app will instantly run your credit score and the machine learning will decide if you qualify.
  5. If qualify, your cash will be disbursed within minutes to your bank account.

Quickcheck Loan Reviews

The question about if Quickcheck is legit or scam is provided here.

To know all this, just keep reading and we will explain in detail everything you need to know about the QuickCheck Loan.

Is the QuickCheck loan real or fake?

QuickCheck Loan is a real and legit online loan application that has instant loan approval in few minutes.

We are writing this based on our experience with QuickCheck as their service is very fast and their loan disbursement is also fast.
QuickCheck Loan App is trusted by many individuals.

SEE: Opay Loan: Instant Approval Without Collateral

Quickcheck Loan App

The Quickcheck Loan App is the app used to request loan, and it’s available on for Android users and iPhone users for downloaded.

SEE: Places To Get Loan Without Collateral: List of Top 9 Banks

Quickcheck Loan App Apk

To Download Quickcheck Loan App, go to Google play store and download it for Android users free.

Quickcheck Loan Repayment

Here are the available Quickcheck Loan Repayment methods:

Debit card: To make a payment to pay off a loan in progress, click on the PAYMENT OF LOAN button in the app and click on any of the debit cards you have saved to make the payment.

Bank transfer/cash deposit:
Account Name: Arve Ltd
Bank: Guaranty Trust Bank (GTB)
Account number: 0266302303

USSD: You can use your bank’s ussd code. For example, *894#


If you pay by bank transfer or USSD, payment verification will allow the app to match the payment to your loan.

To verify your payment, open your app, click on LOAN PAYMENT scroll down and click on bank transfer.

Choose your payment method and amount. Make sure you repay the payment by one hour.

Without this, your payment will not be recognized and late payment fees may apply.

NoteQuickcheck Loan interest rate is  (15% – 32%).

SEE: Get Easy And Fast Loan From Carbon Loan

Quickcheck Loan Contact Number

The official Quickcheck loan customer care number is 07080665544.

Other customer care support contact are:

Email: or you can reach them through any of their social media pages (Facebook, Twitter, Instagram and LinkedIn, @QuickCheckng.

Quickcheck Loan Website

The official Quickcheck Loan App website is

PalmCredit Loan: Get Loan Easily In The App

PalmCredit Loan: Get Loan Easily In The App

PalmCredit Loan: Get Loan Easily In The App
Palmcredit Loan Nigeria

Palmcredit loan nigeria. Just as the name implies, Palmcredit Loan App is an application that you can use to get a loan online without visiting any bank.

Another good thing about Palmcredit is that they are also quick to disburse funds. They release your money into your bank account immediately upon approval.

The parent company of the Palmcredit loan app is/was Newedge Finance Limited. It’s fully licensed by Central Bank of Nigeria (CBN). to operate as a finance company in Nigeria.

This means that your operations are fully regulated.

Palmcredit Instant Loan

The palmcredit instant loan is one of the best instant loan app online, this because they are quick to disburse funds. They credit your bank account just immediately your loan request is approved.

SEE: How To Get Easy And Fast Loan From Carbon Loan

Palmcredit Loan App

The palm credit loan app provides its users intanst loan up to ₦300,000. And its available for download to its user on Google play store and app store for iOS users.

Palmcredit Loan Apk

The palmcredit loan app download or APK is available for download on the Google play store or can be downloaded here from the web.

Palmcredit Loan Requirements

Below are the basic requirements you need to meet to get the Palmcredit loan:

  1. Borrowers must be 18 years and above, and below 60 years
  2. You must submit your bank account details including your BVN
  3. You must provide your phone number
  4. You must have an occupation

SEE: Opay Loan: Instant Approval Without Collateral

How To Apply for Palmcredit Loan

The palmcredit loan comes in 2 types, they’re

Palmcredit Airtime loan this allow users to borrow up to ₦10,000 airtime to repay within 2 weeks.
Palmcredit installment loan which borrowers can access from ₦2000 to ₦100,000 loan

You can apply for palmcredit loans by simple tab on your cell phone.

To apply for the Palmcredit loan, follow the simple steps described below:

  1. First, download the Palmcredit loan app
  2. When you have installed the app, click on the Apply for loan button
  3. Enter your phone number (a verification code will be sent to the number, so make sure it’s a working number).
  4. Fill in other valid information required in the available fields after verifying the phone number.
  5. Now submit your application.


Your application will be accepted or rejected. Therefore, you must have maintained a good credit history to have a chance to get Palmcredit loan.

SEE: Top 9 Places To Get Loan Without Collateral

How To Repay Palmcredit Loan

Palmcredit loan borrowers have two options for repaying their loan, such as:

  1. Paying directly with the Palmcredit App
  2. Payment via bank deposit to PalmCredit account

Paying Directly with the PalmCredit App

If you choose this option, you can pay through the same app you borrowed the money from.

Just follow the process below:

  • Visit the menu button in the app and tap on it
  • So you tap the my loan button
  • After that click on pending
  • And click Pay Now
  • Enter your PalmCredit PIN and the money will be withdrawn from your bank account

The second option is:

Payment via bank deposit to PalmCredit account

If you want to pay via bank deposit, go with your money to any Access Bank and pay to the account details below:

Account Number: 0772692676

In case you have a mobile app, you can still transfer to the account without stress
However, after making the payment, you need to send proof of payment via email to for verification purpose.

The Palmcredit loan interest rate ranges from 14% to 24%.

SED: Canada Students Immigrants Visa: How To Migrate To Canada Easily

Palmcredit Loan Website

The official palmcredit loan website is

Palmcredit Loan Contact

The Palmcredit loan contact are:

Palmcredit Customer Care Number : 017005700 or 017001000, it’savailable from (9am – 6pm) (Mon-Fri), Saturdays (9am-5pm).


WhatsApp Number: +2349120143389.

Opay Loan: Instant Approval Without Collateral

Get Opay Loan Instant Approval Without Collateral

Opay Loan: Instant Approval Without Collateral
Opay image

Opay is a Mobile Payment platform in Nigeria, which already has more than 6 million users online, it is used to make online payments and other online transactions.

Opay still provide instant loan to customers just like many other online loan apps in Nigeria known as the opay loan app.

There are many differences between this particular loan app and other loan apps because Opay is like a non-online bank.

OPay is like an electronic wallet used to store funds that you can use to make payments.

You can buy airtime and mobile data and also pay some utility bills like electricity bill, TV subscription or ordering food and beverages.

You can pay directly from your opay wallet for these goods and services purchased. You can also top up your wallet directly from your bank.

SEE: Is POS Safe?: Why You Should Be Careful When Using POS Machine

How to Get Loan on Opay App

If you want to get loan on the opay app, you need to download the opay loan app on Google play store or from iOS store.

  1. Now register with your phone number
  2. Verify your account
  3. Fund your wallet with even as low as #100 with your debit card or any Opay stores/outlets
  4. Your account will be fully activate

Opay Loan Application

After your opay account is fully activated, you then apply for loan,via the loan session of the app and request for loan starting from ₦5,000 to ₦100,000 depending on your account duration or credit score.

SEE: How to track an online fraud and get back your money


All loans have their payment duration tenure.

Opay have its Online Loan app many people want to know how legit they are,some people sent me a private message wanting to know if opay Loan is real or fake.

As I said earlier in my previous post about Best Online Loan App in Nigeria with Instant Approval, I do not write reviews on any loan app that I have not used or tested.

Now let’s answer some of the questions I get from my readers.

SEE: Places To Get Loan Without Collateral: List of Top 9 Banks

Is the Opay loan legit or fake?

Opay Loan is legit and reliable when it comes to providing an instant loan with fast approval.

When I applied for the Opay Loan, I received a loan of twenty thousand Naira instantly after filling out my profile and submitting it for approval. I was given a 30 day refund period.

Opay makes use of CreditMe, EaseMoni and OKash so you can credit anytime and anywhere efficiently.

Please note that CreditMe is an OPay wallet that allows customers to pay first and pay later. Up to ₦100,000 free credit to use without any service charge.

SEE: Opay scam : How I Almost Get Scammed Even After I Stopped Using The App

What Is Opay Loan Interest Rate?

The interest rate varies from 0.1% to a maximum of 1%. Your interest rate is calculated daily. The annual interest rate is 36.5% to 360%.

Opay Customer Care

To connect to opay customer care, please visit the official website on: or WhatsApp:2349066722924

Opay Customer Care Number

The official opay customer care number is +234 (01) 8888329

Email: or

Opay Address

Opay Nigeria Address is : 16B Emina Cresent, Off ToyinStreet, Ikeja , LagosState, Nigeria. Or Alexander House, Otunba Jobi Fele Way. Ikeja. Lagos.

Please also note that for you to use this app, you must be 18 years of age or older.
Generally, Opay Loan is a reliable online loan platform that you can use to get an instant loan whenever you are short on cash.

Opay Loan: Instant Approval Without Collateral

Polaris Bank Transfer Code: Do All Transactions With Code

Polaris Bank Transfer Code: Do All Transactions With Code

Polaris Bank Transfer Code: Do All Transactions With Code
Polaris Bank Transfer Code

Transferring money from your Polaris bank account to other bank is simple.

You do not need data on your phone to use *833#

  • It Saves you time waiting at the bank to check your balance or transfer money to accounts in any Nigerian bank.
  • Works on all types of phones.
  • It’s smart, fast and convenient. You can conduct up to 50,000N transactions per day.

If you have registered with Polaris-Mobile, dial *833# and start making transactions.
However, if you are not registered with PolarisMobile, please follow these steps:

  • Dial *833# from the line registered with Polaris Bank
  • Follow the steps to enter your account number
  • Enter any 4 digit number to use as a PIN
  • Balance is displayed
  • You are now registered in Smart Banking *833#

How to transfer money

Dial *833*amount*account number# from your phone line registered with Polaris Bank (alert line), then follow the onscreen instructions.

  • Dial *833*Amount*Account Number# (Example: *833*1000*1234567890#)
  • Select the bank of the account you want to transfer to
  • Verify the account name
  • Select which of your accounts you want to transfer from
  • Enter your PIN to complete the transaction

See: Stanbic IBTC internet banking

You can also transfer money by following these steps:

Dial *833# and select option 3 (Transfers) or dial *833#
Select the account to be debited
Select the recipient’s bank
Enter the account number you wish to transfer to and click “Submit”
Confirm the account name and enter the amount to be transferred
Enter the 4 digit PIN.

Other Polaris Bank Services include

  • Dial (*833*1#) to Open an account.
  • (*833*6#) to check account Balance.
  • Dial (*833*2#) forBill Payment.
  • Dial (*833*3#) To transfer Funds.
  • Dail (*833*5#) ToUpdate BVN.
  • Dial(*833*7#) To Pay with MasterPass.

How to check balance on Polaris Bank

There is no need to go through the hassles of traffic to visit the branch or stand on queue to check your balance at the ATM. communicate; just Dial *833*6# on your mobile and follow the on-screen instructions.

Note: You will charged a service fee of ₦10.

See: Places to get loan without collateral: list of top 9 banks

How to buy airtime from Polaris bank

To buy recharge card from your Polaris bank account, Dial *833*amount# to buy Airtime for yourself or dial *833*AMOUNT*PHONENUMBER# to buy airtime for others and follow the onscreen instructions to continue the conversation.

You can also buy Airtime by following the steps below:

  • Dial *833#
  • Select option 8 in the menu (Airtime top-up) Click Submit
  • Choose option 2 for a third party number
  • Select the account to be debited
  • Select the receiver network
  • Type in the recipient’s phone number
  • Enter credit amount
  • Enter PIN (must be PolarisMobile PIN for PolarisMobile users).

See: How to convert your MTN, Airtel, Glo Airtime credit to Cash

Polaris bank customer care number

The Polaris bank customer care numbers are: (0700-7652747) 0700-POLARIS
0806 988 0000
01 448 2100
01 270 5850.

For further information, visit the Polaris bank website on:

Polaris Bank Transfer Code: Do All Transactions With Code

Stanbic IBTC Internet Banking: Online Bank Guides

Stanbic IBTC Internet Banking: Online Bank Guides

Stanbic IBTC Internet Banking: Online Bank Guides
Stanbic IBTC Bank internet Banking Image

Stanbic IBTC internet banking: see how to do all your bank transactions with Stanbic online banking

Stanbic IBTC Online Banking
Using all online banking platforms is usually simple. Every customer of Nigerian Stanbic IBTC Bank can also get their benefits online and perform different procedures and services while staying at home, at work or while traveling.

Here is how to use its advantages in Nigeria:

Step 1. Before anyone starts using anything, he or she must register. The same thing happens with Stanbic online banking. You should organize an account for yourself.

See: Canada Visa Lottery: Steps On How To Apply

Step 2. This is a simple thing. However, you must first go to any local office in Nigeria. Select the one closest to your place of residence and visit it.

Step 3. Each Stanbic IBTC Online Banking customer must receive a special form. You will have to provide your name, various information about the actual account, and choose your personal passcode.

Step 4. Each completed form is reviewed and approval must be obtained.

Step 5. Sometimes you can receive the username (most people use their bank account number) and the passcode for your online banking account via email or phone (if you choose to receive a text message).

See: First Bank USSD transfer codes 894 – how to transfer money.

Step 6. After activating the account, you should get the Stanbic IBTC Mobile App and install it on your smartphone. Some users prefer to use the online platform instead of the mobile software. It’s up to you, which option you enjoy. You can either use online banking on your computer or work with the app on your phone, or you can do both.


You can also register your own account online using this link

Contains a short video guide with registration tips and explanation on how to use ‘Register in Banking Option’ Online without visiting the bank office. Each account activation is completed after making a phone call to the Customer Support Center.

Step 7. Log into your account using the Stanbic IBTC online banking tool at and enjoy the services on the go. This is fun and simple. It depends on the working days because you can make transactions and check the balance in your locker online and get all the benefits even when the bank offices are closed on public holidays or weekends.

See: Access Bank USSD transfer codes – how to transfer money

Step 8. With Stanbic Online Banking, Nigerians can work with their business and individual accounts, keep track of all the transactions they make, keep track of all the financial changes that are taking place, etc.

It is best to take actions using your personal or work account from the same device.

This way you can be more protected. Users who need to check their balance or access the bank vault from someone else’s computer are advised to log out afterwards.

These are the main guidelines and tips for using Stanbic IBTC International Banking in Nigeria.

Stanbic IBTC Internet Banking: Online Bank Guides

How to Stop Credit Deduction on MTN, Airtel, 9mobile & Glo

How to Stop Credit Deduction on MTN, Airtel, 9mobile & Glo, Stop airtime deduction when you are browsing with have data on all network.

How to Stop Credit Deduction on MTN, Airtel, 9mobile & Glo

You can stop MTN, Airtel, Glo or 9mobile from deducting your credit when browsing even when you have data on your line. to turn on, No data.

You can stop MTN, Airtel, Glo & 9mobile from deducting airtime when browsing the internet. have you ever asked yourself “why are they cutting or deducting my credit/airtime balance even when I have data on my SIM, it could be so frustrating whenever you browse the internet while you still have data but yet your airtime is still deducted instead of your data bundle.

It could be that when you bought your data bundle you did not activate the ”No data bundle no browsing on your SIM.”

This article will teach you how to activate the no data no browsing on all Nigerian mobile network providers, ranging from Airtel, MTN, 9mobile and Glo network providers respectively. 

If your network provider deducts your airtime unnecessarily instead of your data, this post will show you How to stop credit deduction on MTN, Airtel, Glo & 9mobile easily.

See Also: Get airtel 300% bonus for recharging your SIM

How do i stop airtel from deducting my during browsing?

When you are browsing or surfing the internet with your airtel and you are being charged from your airtime/credit balance instead from your data bundle balance, even when you have double data. 

It could be as a result of not deactivating your SIM to browse from your airtime balance from the pop-up menu when buying airtel data bundle.

you can actually stop airtel from deducting your airtime when you don’t have data to surf the internet or when you have data but they still deduct your airtime/credit.

For airtel, you can stop deductions of your airtime right from the the route directly when buying your data bundle. To activate airtel no data no browsing, follow the steps below;

See Also: Code for airtel double data bundle

From your phone, Dial *141# and select any data plan to buy.

When you select any data bundle of your choice, either daily, weekly, monthly or mega bundle.

See Also: airtel, mtn, glo, 9mobile – night data bundle

You will get 2 pop up in the next screen stating; 

9GB foe 30 days at N2,000.

What should happened when your bundle finishes?

1. Continue browsing from airtime /160MB extra.

2. Stop my data


How to stop credit deduction on MTN, Airtel, Glo & 9mobile

Select option 2, that states “Stop my data as seen in the photo above.”

Read Also: Airtel cheap double data bundle

You have successfully activate the No bundle no browsing on your airtel SIM card. Now you can surf the internet anytime even if you have a lot of credit/airtime on your SIM without fear of airtel deducting your credit when you have data bundle on your SIM.

How to stop MTN from deducting my credit when browsing 

When you get unnecessary deductions of your airtime/credit on MTN network provider, it simply means you still haven’t canceled the browsing at N3.07/MB.

If you haven’t canceled it, you will get some massive amount deductions on your MTN SIM even when you have data on your SIM. To stop browsing with your credit on MTN network, dial *131*201#.

You will get a response saying; 

Dear Customer, you have successfully canceled browsing at N3.07/MB. Please dial *131*1# to buy a new bundle or dial *606# to borrow data bundle up to 750MB. 

This means you have successfully canceled deductions on your MTN Sim when browsing from your data.

You will only be charged from your MTN data bundle whenever you try to browse the internet. It’s also known as no data no bundle.

How to stop browsing with airtime on Glo?

From the onset, Glo or Globacom network provider often come with no data no bundle setup.

Meaning if you don’t have data bundle on your GLO SIM you won’t be able to browse the internet even if you have airtime on your Glo SIM. But if you get deductions from your Glo SIM you can actually deactivate it.

From your phone, Dial *108*2# you will be opt out from the NO data no browsing network, it’s known as pay as you go (PAYGO) browsing.

After deactivating it you will only be charged from your data bundle when you try to browse the internet, and cannot browse the internet when you don’t have data bundle.

How to stop 9mobile from deducting credit when browsing 

Once you activate a 9mobile data plan, your line will be automatically activate with the out of bundle (OOB) service. simply means, no data no browsing, also knows as Pay As You Go (PAYG).

this means you won’t be charged from your credit/airtime when browsing the internet. It automatically disable the PAYG on your 9Mobile line, when you run out of data your line stops browsing the internet. 

FAQs about no data no browsing 

How can I browse the internet with airtime on 9mobile?

To browse the internet with your credit/airtime on your 9mobile line, from your phone go to message then send YES to 1111 as SMS on your line to be able to browse with your credit on 9mobile network.

How to browse with airtime on Glo network?

See Also: Glo monthly data bundle codes – daily and weekly

Normally every Glo line is active to only browse with data bundle, if you don’t have data bundle you won’t be able to browse with your Glo network.

To browse the internet from your airtime on Glo network, Dial *108*1#. this will automatically activate your Glo line to browse the internet with your SIM’s credit balance.

How to browse with airtime on MTN?

Are you surfing something online and run out of data on your MTN line? or maybe you are downloading a file and ran out of data.

You can actually opt in to the MTN pay as you go browsing to browse from your MTN credit to complete your download or whatever you are doing online.

To opt into the MTN pay as you go browsing, Dial *131*200#. At this statue you will get a pop-up message stating; 

Dear Customer, your request to browse at N3.07/MB was successful. To cancel this service, dial *131*201# or *131*1# to buy a new bundle or enjoy the best rates.

See Also: Get Free USA number for calling, texting & WhatsApp worldwide

How can I browse with credit on Airtel Network?

To be able to browse with your airtime on airtel network, all you need to do is activate the is to allow the pay you go (PAYU) service on your Line.

Th service allow you to browse the internet from your airtime balance on your SIM. To activate airtel PAYU, Dial *400#. You will get a pop-up message saying; welcome to Airtel PAYU. 

Now turn on your mobile network and start browsing from your airtel credit/airtime balance.

How to Stop Credit Deduction on MTN, Airtel, 9mobile & Glo

NIN Mobile App: How To Print Original National ID e-Card NIN

NIN Mobile App: How To Print Original National ID e-Card NIN

NIN Mobile App: How To Print Original National ID e-Card NIN

The recent updates about linking National Identification Number NIN with phone number by the Nigerian Communications Commission brought about a fresh set of NIN registration in the country as well as reprinting of the e- NIN using the National Identification Management Commission NIMC mobile application.

This article will clarify why and what the NIN/NIMC mobile app was introduced, it uses and other relevant informations.

What is NIN/ National ID card app

A NIN or National ID card app is a mobile application developed by the National Identification Management Commission NIMC to enable national ID card owners to be able to print a an improved version of their NIN slip with QR scan code, national e-ID card and mobile ID app version of the card that is accessible or scannable within the app. Either of the cards are all valid and usable anywhere and anytime.

What can I do with NIN app

The NIN app is used to access the your NIN card online if lost or misplaced, you can use it to retrieve your NIN number using the mobile number used to register your NIN ID.

SEE: How to link NIN number to your phone number.

How to register for national ID card with the NIN app

There is controversial questions as to if one can use the NIN mobile app to register for a new NIN card? The answer is “NO” you cannot use the NIN mobile app to register for a new national ID card.

The app can only be used to access and reprint an existing NIN card slip, improved NIN slip (with QR code), national e-ID and the mobile ID app respectively.

Where to download the NIN app

NIN app for android.

The NIN android app can be downloaded on the google play store as NIMC MWS Mobile ID app for android users. can get or you can get the the NIN app on the NIMC website at

NIN app for IPhone or IOS users.

The NIN iPhone app be downloaded on the apple App Store as NIMC-MobileID. for Both iPad and iPod users.

See How to: Check your SIM card registration status with NIN to avoid being blocked.

How to print my NIN slip with the NIN app

To reprint/print your NIN slip card with QR code, you can do so online by visiting Then you need to have “3” of the following details (1) your NIN number. 

don’t know your NIN number? Check your NIN Number here. (2) the phone number you used to register your National ID card and (3) good internet connection. Follow the step below to print your NIN slip;

Download the app and lunch it, scroll down to I Need a PIN. As shown in the picture below.

NIN Mobile App: How To Print Original National ID e-Card NIN

The app will send an SMS message containing a one time password OTP. Input the OTP number and confirm. now you can have access to Show my ID, which allows you to view your NIN ID card that can be printable.

Difference between NIN slip and improved NIN slip

There are no similarities between the NIN slip and the improved NIN slip. The NIN slip is the printed slip given to you at the registration point of your National ID card registration point NIMC.

While the improved NIN slip is a slip available on the NIN mobile app that can only be accessible and printed by an individual with NIN user. The improved NIN comes with a QR code known as scannable bar code while the NIN slip comes with just your personal details and passport photographs without a QR code.

Also Read: How To Check BVN Number on All Nigerian Network

Difference between improved NIN slip and National e – ID card 

There are less similarities between the improved NIN slip and National e-ID card . The improved NIN comes with a QR code known as scannable bar code While the National e-I card comes as any regular ID card with the holder details with a smart chip part like an ATM card that can be used to link to your bank account. But without a QR code code as in the improved NIN Slip. But have a small part that shows your thumb print point.

Similarities between national e – ID card and Mobile ID app

The National e-ID card and the mobile ID app have a lot of similarities as both have the QR codes on it and and the thumbs print place.

The only difference is just that the mobile ID app is only accessible on the app known as soft copy version while the National e-ID card can be printed and used as a hardcopy version. but the mobile ID app does not have the smart chip segment like the National e-ID card.

Picture Sample of The Improved slip, National e-ID card

The pictures below shows a sample and differences between NIN slip, NIN improved slip, National e-ID card and NIN Mobile ID app.

Original Nation ID card pictures, improved NIN card sample, National e-ID card pictures.

When will the original national ID card be out

The original National ID card is out for quite a while now, the nimc management is reluctant to distribute it to individual.

To collect yours, go to the office you register your NIN slip and request for it.

NIN Mobile App: How To Print Original National ID e-Card

Procedure On How to Check NIN Number Easily

Procedure On How to Check NIN Number Easily: How to get back my lost National Identification Number (NIN), the process to retrieve your NIN back if you have lost it.

Procedure To Check Your National Identification Number (NIN)

The below method will show you the procedure on the way to retrieve your National Identity number (NIN) by exploiting the made public procedures on their varied mobile devices.

This article will show you the Procedure to on how to check your NIN number. This process will show you how to get your NIN number easily in 2 minutes.

This service also show you procedure on how to check if my nin number is out

If you have misplaced your National Identity Print out slip,  the numbers have fade away or you’ve Forgotten your NIN? Or maybe you left the print out home and needs the to get your NIN number immediately for important purpose. 

You don’t need to panic, National Identification Management Commission NIMC’s USSD service allows you to retrieve your NIN easily using your mobile phone.

This service is presently accessible on the MTN, Airtel, 9mobile and Glo networks in Nigeria.  

See: NIN mobile app; how to print original national ID e-card

How To Check My NIN Number On My Phone

Below is easy step-by-step guide on How to retrieve your nin number.

To use this service, you’ll need to undergo the subsequent steps: 

  1. From your mobile phone go to dialer, where you often type phone numbers. Then dial; 
  2. *346#.
  3. A list of options will pop up to your screen showing, Welcome to NIMC USSD service. This service will cost you N20, press 1 to retrieve your NIN or 2 to cancel.
  4. Select option 1 and reply.
  5. Then wait for a response, in about a 1-5 minutes you’ll get a message from your network provider containing your eleven digit NIN.

Read Also: How To Check BVN Number on All Nigerian Network

Note: As said earlier service fee of N20 (twenty naira) will be deducted by your service provider  in your SIM account balance.

But if you have misplaced your subscriber identity module (SIM) that you used for the NIN registration. Kindly visit the closest National Identification Management System NIMC Centre closer to you or any of its listed agents for manual retrieval method.

There is another way to check your NIN number besides the USSD code procedure as explained below:

How to Check My NIN Number Online

To know if your National Identity Number (NIN) card is ready, visit the National Identity Management Commission [NIMC] website – Scroll down on the homepage and click on e-ID Card Status Portal to check if your card is ready and available in the activation center.

How To Start Individual POS Business in Nigeria

How To Start Individual POS Business in Nigeria With 5k.

Starting a POS (point of sale) business in Nigeria is one of the many ways of making money or means of making money in Nigeria, after the mini importation business in Nigeria.

In several  business types, it is somewhat hard finding someone to put  you through on how to start a POS business in Nigeria. Sharing business ideas is.

One thing most people who are into it would not want to enlighten you about it. They don’t want you to be their competitor in the nearest future. Everyone wants to be at the top of what they are doing.  

However, this post, will not only teach you how to start an individual POS business, but also make good returns out of it in Nigeria.

As we all know POS is one of the lucrative growing business among the youth that can fetch you good amount of money daily without going through a lot of stress. 

POS is simply means  point of sale or point of service. This word is related  to retail shops and stores where there’s a check-in counter/cashier through which majority of customers have to go to make payments using their debit/credit cards if they don’t want to pay in cash.

Thus, customers pays for commodity purchased using the POS machine 

Types of services provided by POS

POS is not limited to just withdrawal and paying for goods and services alone, they can be used to carry out several transactions ranging from;

Funds Transfer.

Withdrawal of Funds.

Network top-ups, airtime top up.

Bill payments such as GOtv, DStv, startime, electricity bill, toll bill e.t.c.

See: why you should be careful when using POS machine.

Requirements to start a POS business.

In order to start up a POS business in Nigeria, you need to start follow the couple of steps listed below.

Having an account with any bank in Nigeria is considered as one of the core steps of starting a POS business in Nigeria. Having an account with any bank doesn’t guarantee an effective and lucrative business in Nigeria.

This is Because there might be some constraints that may affect the the smooth  running of your POS business in Nigeria. They may ranges from;

1. Bank network problem.

2. Electricity, such as to keeps your POS machine charged at all time.

3. Location, location that consist of few inhabitants can lead to low turnout and low profit.

best bank for POS machine business

There are few good banks that are reliable, efficient and effective in the smooth running of your POS business. They include;  

Zenith Bank.

Zenith Bank is required as one of the best bank in Nigeria to get your POS machine from, this is because their services is fast and reliable compared to other Banks.

See: zenith bank ussd code – transfer & buy airtime.

How to get zenith bank POS machine.

To get zenith bank POS machine for your business, walk into any zenith bank branch near you.

ask for POS application form, The application form requests the full business name, the business owner account number, the business email address, phone numbers and other minor details, and processing takes 72 hours.

You could email the form to and also copy is also the contact e-mail address to note if further problems is encountered.

The business owner will then be required to sign an agreement known as  POS agreement document with the bank.


Our second reliable POS machine bank is GTB.

To run your POS machine business with  Guaranty Trust Bank, you need to be operating a current account, GTbank only dish out their POS machine to current account owners . Account owners must have held their accounts also for at least six months, just like Zenith Bank. The form is then mailed to or submitted to the account officer. The business owner is also required to sign the agreement form.

SEE: How To Check Your BVN Name and Date of Birth

Polaris Bank

Polaris Bank popularly known as Sky bank is yet another reliable bank to run a POS machine business with in Nigeria. At Polaris Bank, the POS system is being granted with a savings account as far as the relationship officer approved the request. Business owners willing to run a POS machine business need to fill in an  application form and an agreement with the bank.

How much profit can I make from POS business.

See the: safest investment with the highest return.

You cannot determine the amount of profit you will make with your POS machine for each transaction.

Because charges varies per transaction, but the general amount of charges is caped at 0.75% on successful transactions which is deducted from completed transactions before being credited to your account.

While you charge your customers #100 per transaction from #10,000 and below. For further enquiry, visit your bank customer care service or account officer for clarification.

Fill the documents/ Agreement Form given to you, each bank has its terms and conditions

After submission of form, upon approval you’ll get a notice from your account officer not long after 14 days and delivered to the business address indicated on the form.

Other POS machine providers in Nigeria

You can as well purchase from POS system dealers around you, In case you don’t prefer the POS system from the bank due to their conditions, you can purchase from POS system dealers.

These POS system dealers sell their POS with a licensed CBN PTSP (Payment Terminal Service Provider).

NIBSS is the sole catalyst of inter-operability and aggregation in the payments industry, some of them include:

Opay Nigeria

Brinq Africa payment solution LTD.

Citiserve Nigeria LTD.

Computer warehouse group.

Easyfuel LTD.


Fidesic Nigeria LTD.

Global accelerex.

Globasure technologies LTD.

Grand towers PLC.


Interswitch LTD.

Itex integrated services. 

Netop business system LTD. 

Paymaster LTD.

SEE: onepoll Survey: Make Money Answering Surveys

Best Location for POS machine business.

Where to establish your POS business is very important too and determines how much of profits you’d be making after each day transactions if you need to set up a shop closely to a place you’d get more customers; go ahead.

Local Areas; places like this will have less number of banks or financial institutions as such establishing a POS business will be a great success.

ATM centers that are usually crowded or in places where there isn’t much banks/ATM post. Nigerians are always in haste and not everyone likes queuing up at ATM post and when they see an alternative they gladly accept not minding the charges.

Sequentially close to markets or Malls, Sometimes at ATM post, it will show insufficient fund and at that time most people wanting to make use of money will prefer making use of your services

Capital; It depends on the services you want to render and the kind of POS you want to acquire. The cost of POS machine ranges from N90,000 – N100,000, you can start small then when the demands for your services increase; you also increase the capacity of your capital.

Collecting the POS system from banks and using it for your business transactions such as supermarkets, you have nothing to pay but meet-up with the conditions.


In general, starting any business is not all that matters, but how long you tend to maintain that business and how much effort you put into it to make it strive. POS business can fetch you some good amount of money daily.

But spending huge amount of your profit from the POS machine business may make you go out of business in no time, because POS business requires some good amount of money to meet customers needs anytime any day.

How To Start Individual POS Business in Nigeria