Our Security information has been updated to give our customers real time updates on how best to keep their transactions safe and secure.

We have successfully outlined easy steps that will guide you to stay safe while you make your transactions online. Carefully follow the links below and discover ways you can abolish online threats from your daily business transactions.

When we issue cards at Polaris Bank, we are careful to explain to our customers the various ways to protect their accounts from being targets of fraudsters. Find below some tips to keep in mind when handling your cards from Polaris bank.

  • Always keep your pin and card separate.
  • Be sure that nobody is looking over your shoulder when you enter your PIN  on the ATM. Even if you aren't aware of anyone watching you, it is still a good idea to shield the keys of the ATM with your other hand when you enter your PIN.
  • Don’t allow anybody have access to your card PAN and PIN.
  • As much as possible avoid giving your cards to people to make withdrawals or carry out transactions on your behalf.

Introducing Verified by Visa: This is an additional security detail introduced in association with Visa international to protect your card against unauthorized use when shopping online. Once the Polaris Visa card is activated, Verified by Visa protects the cardholder's card while paying on online stores that partner with Verified by Visa.

The issuing bank will verify the cardholder's password at the point of completing purchases and because the bank's Visa cards have a personal identification number, no one else will be able to use it.

To enjoy this security feature, users will be required to visit and register their visa card for authentication  on http://www.visa.com/verifiedbyvisa " to verify the identity of the cardholder against the details supplied at registration.

If you suspect that your PIN may have been compromised, you can change the PIN using any one of our ATMs or you may contact our nearest branch or our YES Centre via any of the following contact numbers: +234 1 2705850, +234 1 7407540-1. Our contact lines are open 24 hours a day.


At Polaris Bank we have spared nothing to ensure that banking online with us is safe and secure. One of such ways is the implementation of the HTTPS (Hyper Text Transfer Protocol Security). You would recognize this at the URL address bar when you log into any website.  the "s" added to the “http” is an abbreviation for SSL (Secure Socket Layer). HTTPS is not a separate protocol, but refers to the combination of a normal HTTP interaction over a coded connection which ensures reasonable protection from hackers or unauthorized intruders.

In addition to the implementation of the HTTPS, it is mandatory that you provide personal identification number as a unique access that is known to only you.

Please note that Polaris Bank will NEVER request for your personal details or account information via SMS, e-mail, or any link.

Please find additional information and safety tips below;

  • Do not open email attachments from unknown sources.
  • Do not click on a link to access internet banking. Rather type www.polarisbanklimited.com on your URL to access our internet banking platform.
  • Use up to date anti-virus to scan your system regularly.
  • Always log out from your Internet banking session when you have finished and close the browser.
  • Do not leave your computer unattended or idle for long periods of time. Always lock the screen when you are leaving your computer.
  • Never reveal your passwords or share your card details with anyone. Polaris bank will never ask for  your internet banking login, card details or PIN via any form of communication.
  • Use strong Passwords for your internet banking login  and card details. Try to change your passwords often.
  • Exercise extreme caution whenever you shop online. Look out for the security certificate and https links before you input your personal information.
  • Polaris Bank will never ask you to move your money or ask you to transfer funds to a so-called  secure, safe or holding account.
  • Always update the operating systems of your computer, tablet or smartphone.
  • Don't share private information online.
  • Shred any important document that contains your sensitive information, card details and paper statements promptly.
  • Never click the 'save my password/details' option sometimes offered.
  • Be careful when using cyber-cafes and public wireless hotspots.

Your e-mail or Internet Banking user ID, password, account transaction details, ATM Card number, PIN and other personal information are confidential and should NEVER be disclosed to anyone.

If you receive a suspicious looking e-mail or you are unsure of the authenticity of an e-mail from Polaris Bank Limited, please forward the e-mail to yescenter@polarisbanklimited.com or contact our YES Center on 0700-75932265, +234 806 988 0000, +234 1 4482100 and +234 1 2705850 for proper confirmation and verification.

For more information and advice, please contact our YES Center.

You may be receiving some emails that appear as though they emanated from Polaris Bank. Such mails may even contain the names of some of our management staff or even our Directors. Some of them may require you to send in information on your Bank details, Pin codes and even your personal information as contained in our database of you. They might also claim to have access to large sums of amount for you domiciled with us, these are scam mails and you should be very careful to avoid being a victim to fraudsters

At Polaris Bank, we are concerned about these trends by fraudsters and hackers and their attempt to infiltrate customers details or accounts with us. As part of our confidentiality and security clause, as well as our commitment to online security, we want to ensure that our customers have the privilege of their financial security while on our website and as such have developed some security tips for all our customers to recognize when they receive emails or letters from potential fraudsters.

Read the tips below to ensure you are receiving a genuine  Polaris Bank communication.

  • Polaris Bank would never ask you to disclose your account number or Pin code on the internet
  • Polaris Bank would never ask you to disclose personal information on the internet.
  • Polaris Bank site would always carry a security certificate which would be visible on access to our site.

The official  Polaris Bank web address remains www.polarisbanklimited.com. Be sure that the site you are on is the genuine Polaris Bank site.

If you are still in doubt, please get in touch with your nearest branch or call us on +234 1 4482100, +234 1 2705850, +234 806 988 0000

ATMs are automated teller machines that dispense cash with the use of a debit card and personal identification number. They are an alternative means of accessing cash and are open 24 hours a day, 7 days a week. Polaris Bank currently manages over 420 ATMs across the country. Find below tips on how to secure yourself when using the ATM and how to use the ATM if you have never used one before.

Tips when using an ATM:

  • Treat your Debit card in the same way you treat cash. Keep it with you at all times and never leave it unattended. Always protect your PAN and CVV from others.
  • Do not choose an obvious PIN e.g. Birth date, wedding anniversary, phone number and home address.
  • Do not share your PIN with anyone.
  • Do not give out your PIN in response to e-mail or telephone requests. It might be a fraudulent request.
  • Shield your PIN when using it at the ATM.
  • Do not write your PIN down on the card, a diary or notebook.
  • If you suspect any fraudulent activity, change your PIN and notify the bank immediately.
  • If you are at the ATM and someone offers to help you, please politely decline. If you need any assistance, please call our YES Centre.

In the event that your debit card is lost or stolen, please visit the nearest branch or call the Yes Center on +234 806 988 0000, +234 1 4482100 to request for a card hotlist and prevent it from being misused.

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