Welcome to the Largest E-banking System
Reference Bank is a safe, fast, easy, and efficient e-Banking system that enables you access to your bank account and to carry out online banking services, 24/7
Create an AccountDigital banking app
RefBank24 - your trusted financial companion! This innovative application provides instant access to your finances, offering a wide range of convenient features:
Online Payment
We have online payment services like PayPal, Stripe, Paystack, Skrill, Flutterwave, Mollie, Payeer, RazorPay, etc.
Take Loan
We have several plans to apply for a loan. You may apply to our loan plans by submitting some of your valid information.
Deposit Schemes
We have two deposit schemes for you, one is Deposit Pension Scheme and another one is the Fixed Deposit Receipt.
Transfer Money
You are able to transfer your funds within the Viserbank or other banks we support by adding your beneficiaries
“What would you like the power to do?”
Responsible growth
We are delivering on our purpose to help make financial lives better through our focus on responsible growth. Our commitment to responsible growth is resolute, and has four tenets: We have to grow — no excuses. We have to be client focused. We have to grow within our risk framework. And, our growth must be sustainable, which has three elements: driving operational excellence, being a great place to work for our teammates and sharing our success with our communities. By driving responsible growth, we deliver returns to our clients and shareholders and help address society’s biggest challenges.
Business practices
Part of driving responsible growth is maintaining strong guidelines for business practices and professional and personal conduct that all employees, and anyone who acts on our behalf, are expected to adopt and uphold. This translates into the actions we take as we engage with customers, clients, shareholders, suppliers and each other.
What we offer
Reference Bank is one of the world’s leading financial institutions, serving individuals, small- and middle-market businesses, large corporations, and governments with a full range of banking, investment management and other financial and risk management products and services.
Leadership
Our management team leads our company’s work to drive responsible growth and deliver for our clients, communities and shareholders. It is comprised of leaders for each area of our organization, the heads of our eight lines of business, and key leadership roles for our international and institutional client base.
We make your life comfortable with our services.
Fast Transfer
Our Money transfer system is secure and easy. Send your funds to your beneficiaries within Reference Bank or to other banks. Transfer within Reference Bank is instant and to other banks may take 24 hours.
Deposit Funds
Account-holders of Reference Bank are able to deposit their money through our several payment systems. We have online payment services.
Withdraw Funds
Account-holders of Reference Bank are able to withdraw money from their account. Without verification, any withdrawal won't be completed, so you can trust Golden Finance.
Secure Service
Every balance subtracting transactions need OTP verification so You can feel safe about your funds. Also, you can use the google authenticator app on your cellphone and enable 2FA security from the account menu.
Lowest Transaction Fee
Our transaction fee is much low comparing to other banks. You can deposit, transfer, and withdraw your funds with the lowest transaction charge. As our transfer system is secure and robust you can trust us.
It's easy to join with Us
Open an Account
To be an account holder you have to open an account first.
Verification
After registration you need to verify your Email and Mobile Number.
Deposit
Deposit some funds before applying on any FDR or DPS plans.
Get Service
Now you can get any of our services as our registered account-holder
We provide our banking services all over the world
Reference Bank is a secure and robust e-Banking system getting popular all over the world nowadays. We offer the best FDR, DPS & Loan plans to our account holders
24M
Account Holders
3B
Total Transaction
120
Total Branches
240+
Countries We Serve
Frequently Asked Questions
Though we have provided lots of information about us and how we serve what is our working process our terms and conditions our policies etc.
Yes, we don't take any fees for opening an account.
Yes, you can send money from Reference Bank to another bank.
Get the registration form by clicking on the Sing Up button on the top bar. Provide all information and click on the Sign Up button.
No, we don't provide our account holder's information to any third-party organization.
We have several loan plans. Choose the best plan suitable for you and just click on the Apply Now button and put the amount.
e have several FDR plans. Choose the best plan suitable for you and just click on the Apply Now button and put the amount.
Our Partners
