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# TAJBank Official Website: Our Interest is You

## Sitemaps
[XML Sitemap](https://tajbank.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Our Achievements](https://tajbank.com/our-achievements/): As a Non-Interest Bank with strategic intent of providing excellent services through technology and digital innovation, we are proud to have achieved a lot within a short period. See our Achievements

## Pages
- [sukuk-corporate](https://tajbank.com/sukuk-corporate/)
- [sukuk-joint](https://tajbank.com/sukuk-joint/)
- [sukuk-individual](https://tajbank.com/sukuk-individual/)
- [Communication Policy](https://tajbank.com/contact/communication-policy/)
- [Agent Locations](https://tajbank.com/agent-locations/): Find below various TAJBank Agent locations across the countryAgent Locations
- [Whistle Blowing](https://tajbank.com/contact/whistle-blowing/): At TAJBank we cherish the ideals of good corporate governance - honesty, fairness, accountability, integrity, professionalism, and ethical management practices. To report unethical or unprofessional conduct by any of our officials , send your complaints to Whistleblow@tajbank.com  or call 09087937419 . We appreciate your report and guarantee that it will be treated with utmost confidentiality. You can also fill the form below to report a complaint. 
- [Investor Relations](https://tajbank.com/investor-relations-2/)
- [Sukuk](https://tajbank.com/sukuk/): Sukuk is an investment certificate that represents the ownership interest of the holder in an asset or pool of assets. The certificate entitles the holder to receive income from the use of the assets.TAJBank SPV Limited is the issuer of the Sukuk
- [Digital Banking](https://tajbank.com/move-forward-with-digital-banking/): Move forward with digital banking
- [MFT – Murabaha for Traders](https://tajbank.com/retail-banking/mft-murabaha-for-traders/): Today there are many SMEs across the States of the federation that are profitable and need financing support from banks but because of the requirements to fulfill, especially provision of collateral, a lot of them cannot meet up. Also, some of the SMEs only require short term funding of not more than 90 days to finance their transactions. The Murabaha for Traders (MFT) is available to TAJBank customers in trade, wholesale and retail businesses with short sale cycles i.e. customers with high sales frequencies and customers with short or quick working capital cycle.
- [ATM Locations](https://tajbank.com/contact/atm-locations/): Find below various TAJBank ATM locations across the country72 Ahmadu Bello Way Central Business District. Abuja110 Murtala Muhammed way KanoSenate Building, Three Arm Zone. National Assembly. AbujaNo 8 Investment House Sokoto StateNo. 5 Kachia Road Sabon Tasha Kaduna .AX 32, Nnamdi Azikiwe Bypass, Sabon-Gari, Tudun Wada Kaduna . Plot 29 Cadastral Zone, F13 Kubwa District . Address: Plot 3B Ahmadu Bello/Yakubu Gowon Way Kaduna State Address: N0 20, ALI AKILU ROAD KADUNAPlot 49916, Ali Akilu Road, Kawo, Kaduna state.GARKI 2 CASH CENTREGudu Market, Gudu, FCT. Abuja.Wuse Market, Zone 5, FCT. Abuja.4/5 Yahaya Gusau Road Sharada Zara Plaza. Kano No 35 Off Main Market Road. Gombe.A.A Rano Filling Station, Plot 6/10 Kukuu Aba District. City Gate Airport Road.Garkeje, Yelwa Ward, Mubi LGA. Adamawa State.No B0/496 Baga Road MaiduguriNo. 1 Okonkwo Avenue, By Ibgo Road, Sabon Gari Market (Bulama House). Kano.No 10 IBB way. Kano.Hotoro South, Nassarawa District, Nassarawa LGA, Kano.Dala Gov’t Area Katsina Road, Kurna Asabe, KanoGwarzo Road, Kabuga, kano statePlot 652 Cadestral Zone, Aminu Kano Crescent Wuse 2 Abuja.No.15 1st Avenue,Gwarinpa,11 Estate AbujaNo 74, Ogun House Ralph Shodeinde Street, CBD Abuja.21, Ahmed Abdulkadir Road, Bauchi.No 16 Burma Road, Apapa, Lagos state.No 3a, Zoo Road, Tarauni District, Kano state No. 17A, Trans Amadi,Mkpogwu Port-Harcourt, RiversPlot 373 Naibawa Kumbotso District LGA, KanoNo.132, IBB Way Katsina Local Government Area.Katsina state.Funtua Road, Funtua.No 21E Bello Road32 Wetheral Road Owerri, Directly opposite City Primary school by Firse Service Junction, Owerri .Bold House KM 24, Lekki-Epe Expressway by Thomas Estate Ajah, beside furniture house Lagos.Association of Progressive Traders Secretariat, Trade Fair Complex No 12, Oshodi Apapa Express Way.No 31 IDUMAGBO,LAGOS-ISLAND .Lagos state.34 Marina Post Office, Marina Bus stop, LagosNo 1, Bourdillon Road,Ikoyi,Lagos.NO 17 Galadima Aminu Way, Lamido Cinema, Yola, Adamawa StateNo. 7 Umar Yaradua Government House Road Gusau.NO 61 Allen Avenue ikeja457 Ikorodu road, ketuBlock 36, Plot 8 Admiralty Way, Lekki Peninsula Scheme 1, Eti-Osa,Along Barde Way Turaki B-Ward beside CBN Jalingo.50, Dennis Osadebay Road, Asaba,No 59 Nwaniba Road, Opposite Power City ChurchAhmadu Bello Way, JosAlong Maiduguri Road Damaturu Yobe StateNo.162, Muhammed Idris WayGarkeje, Yelwa Ward, Mubi LGA. Adamawa State.No. 24 Okpara Avenue Enugu. No B0/496 Baga Road MaiduguriPlot 3559, Bosso Road Minna, Niger Stat Along Barde Way Turaki B-Ward beside CBN Jalingo.KATAKO(CC)No H6 Laranto Katako Road JosDILIMI(CC)No 20 Dilimi Street JosKM4, Gbongan/Ibadan Expressway Osogbo Local Government Area, Osun StatePlot No 196B,Ibrahim Taiwo Road, Ilorin, Kwara StateNO 11 Relief Market Gwagwalda Area CouncilBlock 2, Aviation Quarters, Mararaba Nasarawa StateAddress: No. 188 Ikwere Road, Mile 3, Port HarcourtKM4, Gbongan/Ibadan Expressway Osogbo Local Government Area, Osun StateNo 17, J.S. Tarka Street, Makurdi.No 20 Bukuru road, Bukuru central market JosNo. 10 Dei dei MarketNo 5, Siluko Road, after Mobil filling station, benin city, Edo state .
- [Our Locations](https://tajbank.com/our-locations/): City Name / Bank Code: 302080210Address: No 74, Ogun House Ralph Shodeinde Street, CBD Abuja.
- [Lease (Ijara) Finance](https://tajbank.com/retail-banking/lease-finance/): Lease (Ijara) Finance is a contract through which services of persons are hired or acquired in exchange for a fee, financial or material consideration. Such services must be valuable, identifiable, accessible, deliverable and enjoyable by the customer. By this financing contract, the Bank acquires the services of persons or firms and then assigns same to the customer who utilizes or enjoys the assigned services. The Bank assigns the services at the service fee plus a mark-up, which the customer pays up in a fixed deferred lump sum or on agreed installments.
- [Domiciliary Account](https://tajbank.com/retail-banking/domiciliary-account/): A foreign currency denominated account that lets you save in US Dollars, Euros and Pounds. Reduce foreign exchange risk by making your business transaction using the currencies of your choice.
- [Mudarabah Savings Account](https://tajbank.com/retail-banking/partnership-savings-account/): This is one of the investment partnership contracts where the customer authorizes the Bank to invest their cash deposits with the Bank. The customer may deposit or withdraw their funds at will. The Musharaka funds are allocated by the Bank to a deposit pool from where they are invested in an ethical and responsible manner. Accrued profits are usually shared from time to time (30 days) between the depositors and the Bank based on pre-agreed sharing ratio.
- [Payroll Current Account](https://tajbank.com/retail-banking/payroll-current-account/): Features, Benefits and Requirements Zero opening balance Internet Banking Debit Card Email/SMS Alerts Access to Facilities Account opening form One passport photograph of authorized signatory Letter of introduction from your employer on the company’s letterhead Staff identity card
- [Cost Plus (Murabahah) Asset Finance](https://tajbank.com/retail-banking/cost-plus-auto-finance/): This retail product enables customers to acquire assets with the flexibility of a monthly, quarterly or annual payment plan tailored towards the customer’s cash flow. The Bank under this arrangement purchases the selected asset identified by the customer and sells same to the customer at cost plus profit which are fully disclosed to the customer.
- [Emerald Kiddies Account](https://tajbank.com/retail-banking/rubies-children-account/): Features & Benefits N2,000 minimum opening balance Monthly profit payment This account is opened in the child’s name and operated by the parent/guardian Cheques/Dividend warrant of up to N2 million can be lodge into the account   Documentation Duly completed Account Opening Form Valid means of identification for the Parent/Guardian (National ID card, International Passport, Voters Card or Driver's License) Public Utility Receipt/evidence of address dated within 3months (electricity bill, water rate bill, tenement rate, rent receipt, telephone bill etc.) Birth certificate of the child One (1) Passport photograph each for the guardian or child BVN of Parent / Guardian If more than one signatory include personal information, means of ID and Passport Photograph for the second signatory
- [Youth Account (Vibe)](https://tajbank.com/retail-banking/youth-account-vibe/): Features & Benefits Access to debit card Access to mobile and internet banking Zero minimum operating balance
- [Savings Account](https://tajbank.com/retail-banking/savings-account/): Qard Tier 1 Requirement & Benefits Maximum single deposit of N50,000 Maximum daily cumulative balance of N300,000 Secure, quick and convenient 24/7 banking with Taj Mobile Banking and USSD Access to online banking and debit cards Duly Completed Account Opening Form One recent passport photograph Bank Verification Number. Qard Tier 2 Features & Requirements Maximum single deposit of N100,000 Maximum daily cumulative balance of N500,000 Secure, quick and convenient 24/7 banking with Taj Mobile and USSD Access to online banking and debit cards Duly Completed Account Opening Form One recent passport photograph Bank Verification Number Qard Tier 3 Features & Requirements Access to mobile and internet banking. Access to debit card. Cheque deposits of up N2million. Zero account opening balance Account opening form duly completed One recent clear passport photograph of signatory Identification of signatories (Driver’s License, International Passport, National Identity Card or Voter’s Card) Residence permit (where applicable) Public Utility Receipt dated within the last three months (PHCN bill, water rate bill, tenement rate, rent receipt, telephone bill) Two independent and satisfactory references should you want to deposit cheques over N2,000,000.00
- [Security](https://tajbank.com/security/): The safety of your bank account also depends to a large extent on you. Our mission is to safeguard your account and personal information entrusted to our care. We can do this even better with your support.
- [Contact Us](https://tajbank.com/contact/): You can get across to us for feedback, complaints or enquiries via the channels below
- [Frequently Asked Questions](https://tajbank.com/faqs/): Get quick answers to some of the frequently asked questionKindly note that you can open a savings account with us by visiting any of our branches, by downloading our TAJWay mobile banking application which is available on IOS app store and Google Playstore or by dialing our USSD code *898#. You can also open a a saving account via our internet banking by visiting our website - www.tajbank.comYou can secure your account by ensuring that your details (PIN/PASSWORD) are not compromised and given to a third party. By this, you are assured that your account is secured with us.Mudarabah Savings account enables customers to earn returns on their deposits while Qard Savings Account is a zero returns account.
- [News Center](https://tajbank.com/achievements/): TAJBANK SIGNED MOU WITH  NATIONAL HAJJ COMMISSIONThe new Mudarabah Sukuk bond of TAJBank, which has secured all necessary regulatory approvals, is an opportunity for individuals and corporate investors to stake their funds in an ethical instrument with a competitive 20.5 per cent per annum return.TAJBank Limited, Nigeria’s leading non-interest bank, marked its 5th anniversary, celebrating a half-decade of ethical banking success. At a commemorative event held in Abuja, the bank’s board and management lauded customers for their loyalty and staff for their dedication, attributing the bank’s meteoric rise to these key stakeholders.TAJBank Limited, Nigeria’s fastest growing non-interest bank, has set a new record in Nigeria’s banking sector history with the payment of dividends to its shareholders at the end of its half year ended June 2024, the second in its 4th year of operations.Another major highlight of the bank’s financial report showed that the bank blazed a major trail in financial management with the shareholders’ fund surging from N5 billion in 2019 to over N53 billion in June this year, representing 960% growth in the investors’ fund.TAJBank Limited and Nigerian Postal Service (NIPOST) have formalized a new public-private partnership (PPP) initiative to work together for mutual and the nation's socioeconomic benefits.TAJBank Ltd has reported a profit before tax (PBT) of N11.3 billion in its 4th year of operations, the best in the non-interest lending sub-sectorTAJBank Ltd has reported a profit before tax (PBT) of N11.3 billion in its 4th year of operations, the best in the non-interest lending sub-sectorTAJBank wins
- [TAJ Facts](https://tajbank.com/facts/): See some quick facts about TAJ Bank
- [Find ATMs](https://tajbank.com/find-atms/): Find below locations for ATMsAddress: NO 17 Galadima Aminu Way, Lamido Cinema, Yola, Adamawa State. City Name / Bank Code: YolaAddress: 21, Ahmed Abdulkadir Road. City Name / Bank Code: BauchiAddress: NO/9/10 kirkasama road , off kashim ibrahim way. Maiduguri. City Name / Bank Code: MaiduguriAddress: Plot 72 Ahmadu Bello Way, Central Business District. Abuja. City Name / Bank Code: AbujaAddress: Wuse Market, Zone 5, FCT. Abuja. City Name / Bank Code: AbujaAddress: Gudu Market, Gudu, FCT. Abuja. City Name / Bank Code: AbujaAddress: A.A Rano Filling Station, Plot 6/10 Kukuu Aba District. City Gate Airport Road.. City Name / Bank Code: AbujaAddress: Senate Building, Three Arm Zone. National Assembly. Abuja.. City Name / Bank Code: AbujaAddress: Plot 652 Cadestral zone,Aminu Kano Crescent Wuse 2 Abuja. City Name / Bank Code: AbujaAddress: Garki 2 Model Market, Abuja. City Name / Bank Code: AbujaAddress: No. 35. Off Main Market Road. Gombe. City Name / Bank Code: GombeAddress: 36, Dutsenma street, Tudun Wada, Kasuwan Bacci, Kaduna. City Name / Bank Code: KadunaAddress: No 3a, Zoo Road, Tarauni District, Kano state. City Name / Bank Code: KanoAddress: No. 1 Okonkwo Avenue, By Ibgo Road, Sabon Gari Market (Bulama House). Kano. City Name / Bank Code: KanoAddress: NO 10 IBB way. Kano. City Name / Bank Code: KanoAddress: Hotoro South, Nassarawa District, Nassarawa LGA, Kano. City Name / Bank Code: KanoAddress: Dala Gov't Area Katsina Road, Kurna Asabe, Kano. City Name / Bank Code: KanoAddress: No 16 Burma Road, Apapa, Lagos state. City Name / Bank Code: LagosAddress: No 7, Alfred Rewane Road Falomo Branch. City Name / Bank Code: LagosAddress: No 8 Investment House, Kano Road. Sokoto. City Name / Bank Code: Sokoto
- [Download Forms](https://tajbank.com/forms/): Click on any of the forms below to download.
- [Terms & Conditions](https://tajbank.com/terms/): Account Opening Terms & Conditions
- [Agency (Wakalah) Letter of Credit](https://tajbank.com/business-banking/agency-letter-of-credit/): Under this product, the Bank acts as the agent of the customer willing to import goods and services. The customer/importer deposits the full amount of the Letter of Credit to cover the import transaction. This will enable the Bank establish the Letter of Credit. The Bank then makes payment in favour of the exporter, using the client’s deposit, upon shipment of goods and submission of stipulated documents by the exporter. Under this arrangement, the Bank charges a fee/commission (Ujrah) for its Agency services.
- [Bonds & Guarantees (Kafalah)](https://tajbank.com/business-banking/bonds-and-guarantees/): Bonds & Guarantees (Kafalah) is for customers who require a Guarantee to their clients. These clients can be the government, blue-chip companies, travel agents and international businesses etc. The guarantee can be in the form of Advance Payment Guarantee, Performance Bond, Bid Bond, Custom Bond, Bank Guarantee etc. Here, the Bank serves as surety and this is provided under the concept of Kafalah, whereby the bank agrees to guarantee the liability of the customer. Features Zero account opening balance Zero Account Maintenance fees Verve debit card Internet banking mobile banking app Email and/or SMS alert Benefits A guarantee on specified liability required by beneficiary in fulfilling the contract requirement. Strong Financial Standing - Reflects your capability to carry out your payment obligations Negotiation Power - Allows you to negotiate favorable trade terms with your counterpart Enhanced Liquidity - Access to funds for advance payment BG/SBLC or for the release of retention funds under contracts Requirements Duly filled and signed Account Opening Form Two (2) Specimen Signature Cards Two (2) Independent and satisfactory references (completed by another Limited Liability Company or higher. Two (2) recent and clear passport-size photographs for each signatory to the account Certificate of Incorporation (Originals to be sighted) Particulars of Directors – Form CO7 (Certified True Copy by the Registrar of Companies and originals to be sighted) Memorandum and Articles of Association (Certified True Copy by the Registrar of Companies/Director of Company) Board Resolution (Signed and Sealed) Identification of Signatories (International Passport, Drivers License, Voters Card or National ID Card) Resident Permit (Where the signatory is an expatriate) Public Utility Receipt Form CO2 and CAC 2.1 (originals to be sighted)
- [Construction / Manufacturing (Istisna) Finance](https://tajbank.com/business-banking/construction-manufacturing-finance/): Construction/Manufacturing (Istisna) Finance is a contract used for manufacturing, construction or development. Under this arrangement, the bank could be requested to facilitate the construction, manufacturing or development of a project by the customer. The delivered project is then sold to the customer by the Bank at a selling price (cost plus profit margin) on deferred payment terms or as a full sum.
- [Cost Plus (Murabahah) Import Finance](https://tajbank.com/business-banking/cost-plus-import-finance/): Cost Plus (Murabahah) Import Finance is created for customers who are engaged in the business of importation. Under this mode of finance, the Bank issues a Letter of Credit (LC) in favor of a beneficiary (exporter) upon the prompting of the applicant customer (ultimate importer). The Bank commits and accepts to pay against trade documents drawn in compliance with the Letter of Credit terms.
- [Cost Plus (Murabahah) Working Capital](https://tajbank.com/business-banking/cost-plus-working-capital/): This product is a simple and effective method of financing the purchase of raw materials for business needs within the country. With the Cost Plus (Murabaha) Working Capital, the Bank will appoint the customer as its agent to source for the goods/asset they need and obtain a proforma invoice in the name of the Bank.
- [Domiciliary Account](https://tajbank.com/personal-banking/domiciliary-account/): A foreign currency denominated account that lets you save in US Dollars, Euros and Pounds.
- [Wakalah (Agency) Investment Services (WIS)](https://tajbank.com/personal-banking/wakalah-investment-services/): This product is designed to suit clients who want to earn periodic and stable returns on their investment. Under the Agency (Wakalah) arrangement, the Bank acts as an Investment Agent to invest customer’s funds in an ethical manner in specific business venture to be agreed with the customer.
- [Sukuk Investment Service](https://tajbank.com/personal-banking/sukuk-investment-service/): Sukuk is a non-interest financial certificate representing the portion of ownership of its holder in a portfolio of eligible existing or future assets. It is usually issued by Government and Corporate entities. The issuer of a Sukuk, issues to an investor group certificates of ownership of an asset, service or business venture.
- [Partnership (Mudharabah) Time Deposit](https://tajbank.com/personal-banking/partnership-mudharabah-time-deposit/): A Shariah-compliant way to invest your money. This is a trustee profit sharing account through which the customer entrusts the bank to utilize the deposits for its financing and investments activities without any interference. It is a fixed tenured deposit or time liability which can only be withdrawn on written notice to the bank by the customer. This deposit is payable to the customer subject to its maturity or subject to a period of notice. The customer is entitled to receive profit on their deposit after the expiry of the period on the basis of weightage as determined and assigned by the bank.
- [Public Sector](https://tajbank.com/public-sector/): We’re offering sustainable value to a plethora of government’s operations and processes in the public sector. Our services include collection of revenue, investment in Non-Interest products and services, financial advisory services and more. These public sector services are available to all tiers, federal, state and local government institutions. TAJBank is well positioned to seamlessly provide ease and convenience to government’s operations in the public sector.
- [Agricultural Finance](https://tajbank.com/supporting-and-financing-agricukture-for-a-better-future/): Supporting and financing agricukture for a better future involves a comprehensive strategy that addresses both short-term and long-term needs of farmers. This includes financial assistance, technological advancements, and sustainable practices that enhance productivity while protecting the environment.
- [Business Banking](https://tajbank.com/business-banking/): TAJBank’s Business Banking Group is fully focused on adding value to commercial and corporate entities’ operations. We have a smart bouquet of non-interest finance products such as Cost Plus (Murabaha), Import Finance for Business Imports, Lease (Ijarah) Finance, Construction/Manufacture (Istisna) Finance etc.
- [Personal  Banking](https://tajbank.com/personal-banking/): We create bespoke personal banking services for our esteemed clients through Non-Interest Finance products.
- [Job Listings](https://tajbank.com/job-listings/): You think you can fit into a team of professionals having the interest of people? Watch this space for openings available in our world.
- [Apply For Internship](https://tajbank.com/internship/): You think you can fit into a team of professionals having the interest of people? Watch this space for openings available in our world.
- [TAJBank Training Academy](https://tajbank.com/training-academy/): WHAT DRIVES YOU?
- [ACE Management](https://tajbank.com/ace-management/): Dr Ziyaad Mahomed is currently an Assistant Professor and Lead Researcher (Shari’ah) at the Centre of Excellence in Social Finance at INCEIF University. He also served as the Associate Dean of E-learning, and Director of Executive Education at the University.
- [Executive Management](https://tajbank.com/executive-management/)
- [News Center](https://tajbank.com/news-center/): Stay up-to-date with the latest news around the TAJBank world and beyond.
- [Video Gallery](https://tajbank.com/video-gallery/): Welcome to Non-interest banking. TAJBank is Nigeria’s innovative non-interest bank. Enjoy exceptional customer service with No interest because at TAJBank our only interest is you. Welcome to a better Banking experience with various payment solutions: Mobile banking, online banking, USSD and more.
- [Photo Gallery](https://tajbank.com/photo-gallery/): Welcome to Non-interest banking. TAJBank is Nigeria’s innovative non-interest bank. Enjoy exceptional customer service with No interest because at TAJBank our only interest is you. Welcome to a better Banking experience with various payment solutions: Mobile banking, online banking, USSD and more.
- [Careers](https://tajbank.com/careers/): You think you can fit into a team of professionals having the interest of people? Watch this space for openings available in our world.WHAT DRIVES YOU?

## Categories
- [Events](https://tajbank.com/category/events/)
- [News](https://tajbank.com/category/news/)