Personal Banking
Banking That Works For You
Experience a banking ecosystem designed to grow your wealth, automate your savings, and put you in your dream home faster.
Experience a banking ecosystem designed to grow your wealth, automate your savings, and put you in your dream home faster.
Insured by the
Transparent pricing24/7 digital accessLicensed by the CBNInsured by theTransparent pricing24/7 digital accessLicensed by the CBNInsured by theTransparent pricing24/7 digital accessLicensed by the CBNInsured by theTransparent pricing24/7 digital accessThe Wallet Account (TrustWallet™) is the central transactional account within the GTMB ecosystem, functioning like a current account in a traditional commercial bank—but with enhanced benefits. It is the hub through which all customer transactions are routed: deposits, withdrawals, transfers, payments, loan disbursements, investment payouts, and mortgage collections.
Unlike conventional current accounts that charge fees and pay no interest, the GTMB Wallet Account rewards customers with an 8% annual interest rate while offering free, unlimited access to funds at any time.
All inflows and outflows occur exclusively through the TrustWallet.
Deposit, transfer, or withdraw funds 24/7 with no restrictions.
Unlimited free intra-GTMB transfers and low-cost interbank (NIP/NIBSS) transactions.
8% per annum, calculated daily and credited monthly.
Linked directly to savings, deposits, mortgages, and investments.
NDIC-insured deposits, fully compliant with CBN guidelines.
Mandatory universal account.
Low-fee, interest-bearing everyday banking.
Central transaction account.
Anchor for remittances, investments, and mortgage payments.
Open your account in minutes.
The GTMB Savings Account is a flexible, interest-bearing account designed for individuals and businesses who want to save securely, earn competitive returns, and retain easy access to their money. It serves as a primary gateway into the GTMB ecosystem (mortgages, investments, overdrafts).
Get the GTMB App from Store.
BVN/NIN, ID, and Selfie.
Direct Transfer into account.
Daily interest credited monthly.
The GTMB Fixed Deposit is a time-bound investment account that offers higher, guaranteed returns in exchange for locking funds for a defined period. It is the foundation collateral product for LIQUIDE overdraft and a key funding source for GTMB.
Log into app/web → select Open Fixed Deposit
Choose tenor (30–365 days) and amount
Confirm lien option for LIQUIDE overdraft access (for Business Accounts)
Funds moved from savings/current into FD
Track FD maturity, interest accrual, and overdraft limit
VaultPlus™ is a high-yield, fixed-income investment note offered by Global Trust Mortgage Bank. It provides qualified investors with a secure, bank-backed return of 20% per annum, paid quarterly into their TrustWallet. The capital raised through VaultPlus™ is directly deployed into BUILDA™ construction loans—creating a secured income stream backed by real assets.
VaultPlus™ operates as a digital fixed income product that offers 6 monthly coupon payments of 10%. Investor funds are pooled and matched with approved BUILDA™ loan disbursements, which are collateralized by project receivables and milestone monitoring. Investors receive direct credit into their TrustWallet and can monitor portfolio performance through their GTMB dashboard.
Eligibility criteria and steps to invest include:
VaultPlus™ holdings can be pledged as collateral for overdraft facilities on the GTMB platform, subject to underwriting approval.
Funds deployed from VaultPlus™ are used to finance real estate projects under BUILDA™—a milestone-monitored, collateral-supported loan product. Risk is mitigated via:
HomeNow™ Mortgage is Global Trust Mortgage Bank's flagship digital mortgage product designed to provide fast, secure, and convenient access to home ownership for qualified buyers. Built on NMRC-compliant underwriting standards, HomeNow™ delivers a fully digital experience with 24-hour mortgage disbursement for move-in ready properties on our pre-approved list.
Applicants must meet the following minimum requirements in line with NMRC standards and internal GTMB policies:
HomeNow™ underwriting adheres strictly to NMRC standards and incorporates digital automation at every stage:
Application submitted via mobile/web app
Instant BVN, NIN, employment and income verification
Automated credit check and risk scoring
Collateral review (pre-approved property list)
Valuation cross-check
Issuance of Offer Letter
Disbursement within 24 hours of acceptance
All HomeNow™ customers are automatically enrolled in LifeShield™ Mortgage Cover — a mandatory bundled product that protects both borrower and lender against life's uncertainties. Premiums are factored into the monthly repayment. Coverage includes:
The HomeNow™ mortgage is available at a fixed interest rate of 24–26% per annum depending on tenor and risk score. Repayments are monthly and fully amortized over the loan term. Early repayment is allowed without penalty.
Pre-screened, verified homes eliminate title and valuation delays
24-hour loan disbursement (fastest in market)
100% digital from application to offer letter
Includes mandatory insurance and reserve fund for repayment confidence
Accessible to Nigerians in diaspora with verified income streams
Fully compliant with NMRC for liquidity recycling
LIQUIDE™ is a cash-backed overdraft facility that allows GTMB customers to access liquidity against their fixed deposit or VaultPlus Note™ investments.
Cash-backed overdraft
Fixed deposit or VaultPlus Note™ (lien-marked)
Up to 70% of investment value
On-demand, DIY through GTMB digital channels
Flexible; automatic debit from deposit at maturity if unpaid
Linked to tenor of the underlying investment
Customer places funds in Fixed Deposit or VaultPlus Note™.
GTMB system automatically creates overdraft line at 70% of investment.
Customer sees available LIQUIDE credit limit in dashboard.
Customer initiates DIY drawdown via digital channel.
Drawdown credited instantly.
Customer repays at will; if not, maturity covers exposure.
TrustTarget™ is a goal-oriented savings account offered by GlobalTrust that enables customers to save toward specific financial objectives through a structured and automated process. The product is designed to help individuals build financial discipline by allowing them to set a savings goal and automate contributions from their primary wallet account.
With TrustTarget™, customers can schedule automatic debits from their primary wallet based on a preferred frequency—such as daily, weekly, or monthly. For example, a customer can set up an instruction to automatically debit ₦100,000 every month and transfer it into the TrustTarget™ account until the savings goal is achieved.
TrustTarget™ is designed for individuals seeking a structured way to save toward defined financial goals. The target market includes:
