Business Services - SME Banking

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Letters of credit can be confirmed or unconfirmed and are irrevocable upon..." /> <meta name="twitter:description" content="A Letter of Credit (LC) is an undertaking by a bank, on behalf of an importer (the applicant) to the beneficiary to make payment, provided that the exporter complies with all the terms and conditions stipulated by the credit. 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href="/personal-banking/ways-to-bank/">Ways To Bank</a> <ul class="sub-menu"> <li class="menu-item-0 menu-item menu-item-type-post_type menu-item-object-page"> <a href="https://www.zenithbank.com/966/">966 EazyBanking</a> </li> <li class="menu-item-0 menu-item menu-item-type-post_type menu-item-object-page"> <a href="https://www.zenithbank.com/mobileapp">Mobile Banking</a> </li> <li class="menu-item-0 menu-item menu-item-type-post_type menu-item-object-page"> <a href="https://www.zenithbank.com/internet-banking/">Internet Banking</a> </li> <li class="menu-item-0 menu-item menu-item-type-post_type menu-item-object-page"> <a href="http://www.zenithbank.com/qr">Zenith Scan to Pay</a> </li> <li class="menu-item-0 menu-item menu-item-type-post_type menu-item-object-page"> <a href="https://www.zenithbank.com/cards">Cards</a> </li> <li class="menu-item-0 menu-item menu-item-type-post_type menu-item-object-page"> <a href="https://www.zenithbank.com/ziva">ZiVA</a> </li> <li class="menu-item-0 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href="https://www.zenithbank.com/personal-banking/cards/#classic-credit-cards">Credit Cards</a> </li> <li class="menu-item-0 menu-item menu-item-type-post_type menu-item-object-page"> <a href="https://www.zenithbank.com/personal-banking/cards/#features">Prepaid Cards</a> </li> <li class="menu-item-0 menu-item menu-item-type-post_type menu-item-object-page"> <a href="https://www.zenithbank.com/personal-banking/cards/#requirements">VISA Direct</a> </li> <li class="menu-item-0 menu-item menu-item-type-post_type menu-item-object-page"> <a href="https://www.zenithbank.com/travel-notification/">Travel Notification Portal </a> </li> <li class="menu-item-0 menu-item menu-item-type-post_type menu-item-object-page"> <a href="https://www.zenithbank.com/card-request/">Card Request Portal</a> </li> </ul> </li> <li class="menu-item-1193 menu-item menu-item-type-post_type menu-item-object-page"> <a href="/personal-banking/electronic-banking/">Electronic Banking</a> <ul class="sub-menu"> <li 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</li> <li class="menu-item-0 menu-item menu-item-type-post_type menu-item-object-page"> <a href="https://www.zenithbank.com/imt">Zenith International Money Transfer</a> </li> <li class="menu-item-0 menu-item menu-item-type-post_type menu-item-object-page"> <a href="https://zenportal.zenithbank.com/">Zenith e-channels Portal </a> </li> </ul> </li> </ul> </li> <li class="menu-item-1524 menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children cg-std-menu"> <a href="/corporate-banking/"><span class="menu-item-text">Corporate</span></a> <ul class="sub-menu"> <li class="menu-item-1530 menu-item menu-item-type-post_type menu-item-object-page"> <a href="/corporate-banking/bank-accounts/">Bank Accounts</a> <ul class="sub-menu"> <li class="menu-item-0 menu-item menu-item-type-post_type menu-item-object-page"> <a href="https://www.zenithbank.com/corporate-banking/bank-accounts/#limited-liability-company-accounts">LLC Accounts</a> </li> <li class="menu-item-0 menu-item 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So you need a bank that understands international trade and can offer the best advice, as well as outstanding transaction processing capabilities.</h3> <div id="breadcrumbs"> <div class="container"> <span property="itemListElement" typeof="ListItem"> <a property="item" typeof="WebPage" title="Zenith Bank" href="/" class="home"> <span property="name">Zenith Bank</span> </a> <meta property="position" content="1"> </span> <span class="breadcrumb-separator"></span> <span property="itemListElement" typeof="ListItem"> <a property="item" typeof="WebPage" title="SME Banking" href="/sme-banking/" class="home"> <span property="name">SME Banking</span> </a> <meta property="position" content="2"> </span> <span class="breadcrumb-separator"></span> <span property="itemListElement" typeof="ListItem"> <span property="name">Business Services</span><meta property="position" content="3"></span> </div> </div> </div> </div> </div> <div class="inner-page-wrap has-no-sidebar no-bottom-spacing no-top-spacing clearfix"> <div class="clearfix"> <div class="page-content hfeed clearfix"> <div class="clearfix post-1367 page type-page status-publish has-post-thumbnail hentry" id="1367"> <section data-header-style="" class="row fw-row row-has-id dynamic-header-change"> <div class="cpb-row-container cpb-row-content-width col-sm-12 remove-element-spacing col-natural" data-row-style="" data-v-center="true" data-top-style="none" data-bottom-style="none" style="background-color:#ffffff;margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 3%;padding-left: 0%;padding-right: 0%;padding-bottom: 3%;"> <div class="cpb_content_element" style=""> <section class="container"> <div class="row"> <div class="cpb_content_element cpb_image noframe col-sm-6 thumbnail-std square-corners col-sm-push-6"> <div class="cpb-asset-content"> <figure class="clearfix"> <div class="img-wrap"> <img width="2000" height="1500" src="/media/1175/business-focus-small-businesses.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108180000000" class="attachment-full size-full" alt="Zenith Bank Import Letters Of Credit (LC)" srcset="/media/1175/business-focus-small-businesses.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108180000000 2000w , /media/1175/business-focus-small-businesses.jpg?anchor=center&mode=crop&width=300&height=225&rnd=131384108180000000 300w , /media/1175/business-focus-small-businesses.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108180000000 768w , /media/1175/business-focus-small-businesses.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108180000000 1024w , /media/1175/business-focus-small-businesses.jpg?anchor=center&mode=crop&width=94&height=70&rnd=131384108180000000 94w , /media/1175/business-focus-small-businesses.jpg?anchor=center&mode=crop&width=600&height=450&rnd=131384108180000000 600w , /media/1175/business-focus-small-businesses.jpg?anchor=center&mode=crop&width=900&height=675&rnd=131384108180000000 900w , /media/1175/business-focus-small-businesses.jpg?anchor=center&mode=crop&width=1280&height=960&rnd=131384108180000000 1280w , /media/1175/business-focus-small-businesses.jpg?anchor=center&mode=crop&width=1000&height=750&rnd=131384108180000000 1000w" sizes="(max-width: 2000px) 100vw, 2000px" /> </div><div class="figcaption-wrap"></div> </figure> </div> </div> <div class="cpb-column-container col-sm-6 col-sm-pull-6" style="z-index: 0; "> <div class="cpb-asset-content" style="margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0%;padding-left: 0%;padding-right: 8%;padding-bottom: 0%;"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0%;padding-left: 0%;padding-right: 0%;padding-bottom: 5%;"> <h1>Import Letters Of Credit (LC)</h1> <p class="p1">A Letter of Credit (LC) is an undertaking by a bank, on behalf of an importer (the applicant) to the beneficiary to make payment, provided that the exporter complies with all the terms and conditions stipulated by the credit. Letters of credit can be confirmed or unconfirmed and are irrevocable upon Issuance. Payment is made at Sight, Deferred Payment, and Mixed payment or by Acceptance.</p> </div> </div> </div> </section> <section class="container"> <div class="row"> <div class="cpb_accordion cpb_content_element col-sm-12 not-column-inherit" data-active=""> <div class="cpb_wrapper cpb-asset-content cpb_accordion_wrapper"> <div class="cpb_accordion_section group"> <h4><a href="#cash-backed-lc" id="#cash-backed-lc">CASH BACKED LC</a></h4> <div class="row-fluid"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p>Cash Backed LC involves the applicant providing funds for the opening of the LC.</p> </div> </div> </div> </section> </div> </div> <div class="cpb_accordion_section group"> <h4><a href="#unconfirmed-sight-and-deferred-lc" id="#unconfirmed-sight-and-deferred-lc">UNCONFIRMED SIGHT AND DEFERRED LC</a></h4> <div class="row-fluid"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p>Unconfirmed Sight and Deferred LC involves payment at a later date upon presentation of compliant shipping documents.</p> </div> </div> </div> </section> </div> </div> <div class="cpb_accordion_section group"> <h4><a href="#confirmation-line-and-usance-lc" id="#confirmation-line-and-usance-lc">CONFIRMATION LINE AND USANCE LC</a></h4> <div class="row-fluid"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p>Confirmation Line and Usance LC involve opening a Confirmed LC using the bank’s offshore facility which will be repaid by the customer at maturity.</p> </div> </div> </div> </section> </div> </div> <div class="cpb_accordion_section group"> <h4><a href="#requirements-for-lc" id="#requirements-for-lc">REQUIREMENTS FOR LC</a></h4> <div class="row-fluid"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p><ul> <li>One set of documents from the supplier to the issuing bank (Zenith Bank).</li> <li>Two sets of documents submitted to overseas bank for payment (the document will later be forwarded to the bank).</li> </ul> <p><strong>The documents required for processing of Risk Assessment Report (RAR)</strong></p> <ul> <li>Copy of Form M</li> <li>Transport Document</li> <li>Commercial Invoice/Final Invoice</li> <li>Packing List</li> <li>Standard combined Certificate of value and Origin (CCVO) (Form C16)</li> <li>Manufacturer Certificate/Certificate of analysis/Phytosanitary Certificate</li> </ul> <p><strong>NB:</strong> All Shipping documents must be issued after Form M approval date and Letters of Credit issuing date. That is, shipping document must not predate Form M and Letters of Credit.</p> <p class="p1"> <span class="s1"><a class="cg-button standard gold default " target="_self"><span class="text">GET STARTED</span></a></span> </p> </div> </div> </div> </section> </div> </div> </div> </div> </div> </section> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p style="font-size: 11px;"></p> </div> </div> </div> </section> </div> </div> </div> </section> </div> </div> </section> <section data-header-style="" class="row fw-row row-has-id dynamic-header-change"> <div class="cpb-row-container cpb-row-content-width col-sm-12 remove-element-spacing col-natural" data-row-style="" data-v-center="true" data-top-style="none" data-bottom-style="none" style="background-color:#f7f7f7;margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 3%;padding-left: 0%;padding-right: 0%;padding-bottom: 3%;"> <div class="cpb_content_element" style=""> <section class="container"> <div class="row"> <div class="cpb_content_element cpb_image noframe col-sm-6 thumbnail-std square-corners"> <div class="cpb-asset-content"> <figure class="clearfix"> <div class="img-wrap"> <img width="2000" height="1500" src="/media/1179/import-bills-for-collection.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108380000000" class="attachment-full size-full" alt="Zenith Bank Import Bills For Collection" srcset="/media/1179/import-bills-for-collection.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108380000000 2000w , /media/1179/import-bills-for-collection.jpg?anchor=center&mode=crop&width=300&height=225&rnd=131384108380000000 300w , /media/1179/import-bills-for-collection.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108380000000 768w , /media/1179/import-bills-for-collection.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108380000000 1024w , /media/1179/import-bills-for-collection.jpg?anchor=center&mode=crop&width=94&height=70&rnd=131384108380000000 94w , /media/1179/import-bills-for-collection.jpg?anchor=center&mode=crop&width=600&height=450&rnd=131384108380000000 600w , /media/1179/import-bills-for-collection.jpg?anchor=center&mode=crop&width=900&height=675&rnd=131384108380000000 900w , /media/1179/import-bills-for-collection.jpg?anchor=center&mode=crop&width=1280&height=960&rnd=131384108380000000 1280w , /media/1179/import-bills-for-collection.jpg?anchor=center&mode=crop&width=1000&height=750&rnd=131384108380000000 1000w" sizes="(max-width: 2000px) 100vw, 2000px" /> </div><div class="figcaption-wrap"></div> </figure> </div> </div> <div class="cpb-column-container col-sm-6" style="z-index: 0; "> <div class="cpb-asset-content" style="margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0%;padding-left: 8%;padding-right: 0%;padding-bottom: 0%;"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0%;padding-left: 0%;padding-right: 0%;padding-bottom: 5%;"> <h1>Import Bills For Collection</h1> <p>A documentary Bill for Collection is an order by the seller to his bank to collect a certain sum from the buyer against the transfer of the shipping documents. Payment can be made by cash or by acceptance of a Bill of Exchange.</p> <p>This means the handling by banks of documents in accordance with instructions received in order to obtain payment and/or acceptance, or deliver documents against payment and/or against acceptance, or deliver documents on other terms and conditions.</p> </div> </div> </div> </section> <section class="container"> <div class="row"> <div class="cpb_accordion cpb_content_element col-sm-12 not-column-inherit" data-active=""> <div class="cpb_wrapper cpb-asset-content cpb_accordion_wrapper"> <div class="cpb_accordion_section group"> <h4><a href="#payments" id="#payments">PAYMENTS</a></h4> <div class="row-fluid"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p><strong>Against Acceptance of Bill of Exchange or Promissory Note or Letter of Undertaking to make Payment</strong><br />Against acceptance of Bill of Exchange or Promissory note or Letter of Undertaking to make payment involves the release of the shipping document to the buyer based on the release condition stated on the Collection Order.</p> <p><strong>Release Free Of Payment</strong><br />Release Free Of Payment implies that the shipping document be delivered to the buyer without extracting any commitment to make payment.</p> <p><strong>Documents Against Payment</strong><br />Documents Against Payment implies that the buyer makes payment before documents are released for clearing the imports. Though internationally recognized, this does not apply in Nigeria as the Central Bank of Nigeria guidelines state that the imported items must be cleared from the port before payment can be made to the supplier.</p> </div> </div> </div> </section> </div> </div> <div class="cpb_accordion_section group"> <h4><a href="#requirements-for-bills-of-collection-remittance" id="#requirements-for-bills-of-collection-remittance">REQUIREMENTS FOR BILLS OF COLLECTION REMITTANCE</a></h4> <div class="row-fluid"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p><ul> <li>One set of documents from the supplier to the issuing bank (Zenith Bank).</li> <li>Two sets of documents submitted to overseas bank for payment (the document will later be forwarded to the bank)</li> </ul> <p><strong>The documents required for processing of Risk Assessment Report (RAR)<br /></strong></p> <ul> <li>Processed Form M</li> <li>Bill History</li> <li>Bill of lading/Airway Bill/ Way Bill</li> <li>Original Combined Certificate of Value and Origin (CCVO)</li> <li>Manufacturers Certificate/ Certificate of Analysis/phytosanitary Certificate</li> <li>Customs clearing document (Exchange Control Document)</li> </ul> <p>a.) Single Goods Declaration<br />b.) Used RAR<br />c.) Payment Schedule<br />d.) Terminal Delivery Order/Gate Pass<br />e.) Duty receipt</p> <ul> <li>Authority letter from Customer to buy foreign exchange in line with the company’s signature mandate.</li> </ul></p> </div> </div> </div> </section> </div> </div> </div> </div> </div> </section> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p style="font-size: 11px;"></p> </div> </div> </div> </section> </div> </div> </div> </section> </div> </div> </section> <section data-header-style="" class="row fw-row row-has-id dynamic-header-change"> <div class="cpb-row-container cpb-row-content-width col-sm-12 remove-element-spacing col-natural" data-row-style="" data-v-center="true" data-top-style="none" data-bottom-style="none" style="background-color:#ffffff;margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 3%;padding-left: 0%;padding-right: 0%;padding-bottom: 3%;"> <div class="cpb_content_element" style=""> <section class="container"> <div class="row"> <div class="cpb_content_element cpb_image noframe col-sm-6 thumbnail-std square-corners col-sm-push-6"> <div class="cpb-asset-content"> <figure class="clearfix"> <div class="img-wrap"> <img width="2000" height="1500" src="/media/1181/non-valid-for-forex-advance-payment.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108450000000" class="attachment-full size-full" alt="Zenith Bank Non-Valid For Forex / Advance Payment" srcset="/media/1181/non-valid-for-forex-advance-payment.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108450000000 2000w , /media/1181/non-valid-for-forex-advance-payment.jpg?anchor=center&mode=crop&width=300&height=225&rnd=131384108450000000 300w , /media/1181/non-valid-for-forex-advance-payment.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108450000000 768w , /media/1181/non-valid-for-forex-advance-payment.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108450000000 1024w , /media/1181/non-valid-for-forex-advance-payment.jpg?anchor=center&mode=crop&width=94&height=70&rnd=131384108450000000 94w , /media/1181/non-valid-for-forex-advance-payment.jpg?anchor=center&mode=crop&width=600&height=450&rnd=131384108450000000 600w , /media/1181/non-valid-for-forex-advance-payment.jpg?anchor=center&mode=crop&width=900&height=675&rnd=131384108450000000 900w , /media/1181/non-valid-for-forex-advance-payment.jpg?anchor=center&mode=crop&width=1280&height=960&rnd=131384108450000000 1280w , /media/1181/non-valid-for-forex-advance-payment.jpg?anchor=center&mode=crop&width=1000&height=750&rnd=131384108450000000 1000w" sizes="(max-width: 2000px) 100vw, 2000px" /> </div><div class="figcaption-wrap"></div> </figure> </div> </div> <div class="cpb-column-container col-sm-6 col-sm-pull-6" style="z-index: 0; "> <div class="cpb-asset-content" style="margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0%;padding-left: 0%;padding-right: 8%;padding-bottom: 0%;"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0%;padding-left: 0%;padding-right: 0%;padding-bottom: 5%;"> <h1>Non-Valid For Forex / Advance Payment</h1> <p class="p1">This involves processing of Online Form M and shipping documents for Pre Arrival Assessment Report to enable the importer clear consignment on arrival at the ports. The bank does not facilitate the payment on this mode of importation.</p> </div> </div> </div> </section> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p style="font-size: 11px;"></p> </div> </div> </div> </section> </div> </div> </div> </section> </div> </div> </section> <section data-header-style="" class="row fw-row row-has-id dynamic-header-change"> <div class="cpb-row-container cpb-row-content-width col-sm-12 remove-element-spacing col-natural" data-row-style="" data-v-center="true" data-top-style="none" data-bottom-style="none" style="background-color:#f7f7f7;margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 3%;padding-left: 0%;padding-right: 0%;padding-bottom: 3%;"> <div class="cpb_content_element" style=""> <section class="container"> <div class="row"> <div class="cpb_content_element cpb_image noframe col-sm-6 thumbnail-std square-corners"> <div class="cpb-asset-content"> <figure class="clearfix"> <div class="img-wrap"> <img width="2000" height="1500" src="/media/1178/export-transactions.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108320000000" class="attachment-full size-full" alt="Zenith Bank Export Transactions" srcset="/media/1178/export-transactions.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108320000000 2000w , /media/1178/export-transactions.jpg?anchor=center&mode=crop&width=300&height=225&rnd=131384108320000000 300w , /media/1178/export-transactions.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108320000000 768w , /media/1178/export-transactions.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108320000000 1024w , /media/1178/export-transactions.jpg?anchor=center&mode=crop&width=94&height=70&rnd=131384108320000000 94w , /media/1178/export-transactions.jpg?anchor=center&mode=crop&width=600&height=450&rnd=131384108320000000 600w , /media/1178/export-transactions.jpg?anchor=center&mode=crop&width=900&height=675&rnd=131384108320000000 900w , /media/1178/export-transactions.jpg?anchor=center&mode=crop&width=1280&height=960&rnd=131384108320000000 1280w , /media/1178/export-transactions.jpg?anchor=center&mode=crop&width=1000&height=750&rnd=131384108320000000 1000w" sizes="(max-width: 2000px) 100vw, 2000px" /> </div><div class="figcaption-wrap"></div> </figure> </div> </div> <div class="cpb-column-container col-sm-6" style="z-index: 0; "> <div class="cpb-asset-content" style="margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0%;padding-left: 8%;padding-right: 0%;padding-bottom: 0%;"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0%;padding-left: 0%;padding-right: 0%;padding-bottom: 5%;"> <h1>Export Transactions</h1> <p>Export transactions refer to the sales of goods by our customers to buyers outside the shores of Nigeria. Exports of goods may be Commercial whereby payments are received in foreign currency as proceeds of sale, or Non-commercial whereby no payment is expected or received.</p> <p>The internationally accepted means of payment for commercial exports are Letters of Credit, Bill for Collection and Payment In Advance. Commercial export amount can be FOB (Free on Board) whereby total value of goods does not include freight, or C&F (Cost and Freight) where total value of goods include freight. The exporter will process the Form NXP, forward shipping documents and inflow the Export Proceeds through the bank.</p> </div> </div> </div> </section> <section class="container"> <div class="row"> <div class="cpb_accordion cpb_content_element col-sm-12 not-column-inherit" data-active=""> <div class="cpb_wrapper cpb-asset-content cpb_accordion_wrapper"> <div class="cpb_accordion_section group"> <h4><a href="#processing-of-commercial-export" id="#processing-of-commercial-export">PROCESSING OF COMMERCIAL EXPORT</a></h4> <div class="row-fluid"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p>This is done through Letter of Credit, Bills for Collection, and Advance payment. We negotiate Export documents, process export levy, draft and certify export proceeds repatriation to the CBN on behalf of our customers.</p> </div> </div> </div> </section> </div> </div> </div> </div> </div> </section> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p style="font-size: 11px;"></p> </div> </div> </div> </section> </div> </div> </div> </section> </div> </div> </section> <section data-header-style="" class="row fw-row row-has-id dynamic-header-change"> <div class="cpb-row-container cpb-row-content-width col-sm-12 remove-element-spacing col-natural" data-row-style="" data-v-center="true" data-top-style="none" data-bottom-style="none" style="background-color:#ffffff;margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 3%;padding-left: 0%;padding-right: 0%;padding-bottom: 3%;"> <div class="cpb_content_element" style=""> <section class="container"> <div class="row"> <div class="cpb_content_element cpb_image noframe col-sm-6 thumbnail-std square-corners col-sm-push-6"> <div class="cpb-asset-content"> <figure class="clearfix"> <div class="img-wrap"> <img width="2000" height="1500" src="/media/1180/invisible-remittances.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108420000000" class="attachment-full size-full" alt="Zenith Bank Invisible Remittances" srcset="/media/1180/invisible-remittances.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108420000000 2000w , /media/1180/invisible-remittances.jpg?anchor=center&mode=crop&width=300&height=225&rnd=131384108420000000 300w , /media/1180/invisible-remittances.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108420000000 768w , /media/1180/invisible-remittances.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108420000000 1024w , /media/1180/invisible-remittances.jpg?anchor=center&mode=crop&width=94&height=70&rnd=131384108420000000 94w , /media/1180/invisible-remittances.jpg?anchor=center&mode=crop&width=600&height=450&rnd=131384108420000000 600w , /media/1180/invisible-remittances.jpg?anchor=center&mode=crop&width=900&height=675&rnd=131384108420000000 900w , /media/1180/invisible-remittances.jpg?anchor=center&mode=crop&width=1280&height=960&rnd=131384108420000000 1280w , /media/1180/invisible-remittances.jpg?anchor=center&mode=crop&width=1000&height=750&rnd=131384108420000000 1000w" sizes="(max-width: 2000px) 100vw, 2000px" /> </div><div class="figcaption-wrap"></div> </figure> </div> </div> <div class="cpb-column-container col-sm-6 col-sm-pull-6" style="z-index: 0; "> <div class="cpb-asset-content" style="margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0%;padding-left: 0%;padding-right: 8%;padding-bottom: 0%;"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0%;padding-left: 0%;padding-right: 0%;padding-bottom: 5%;"> <h1>Invisible Remittances</h1> <p class="p1">Invisible Remittances relate to payment for services (intangible transactions) such as School fees, Technical fees, Dividends, Airline Tickets, Loans repayment, Judgment debt, Personal Home Remittance, etc.</p> <p>Payment is by either SWIFT or by Foreign Drafts. However, for Travel allowances, payment is by Traveler’s cheque or Cash. Each payment type has its specific document requirement as stipulated in the Central Bank of Nigeria FX Manual.</p> </div> </div> </div> </section> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p style="font-size: 11px;"></p> </div> </div> </div> </section> </div> </div> </div> </section> </div> </div> </section> <section data-header-style="" class="row fw-row row-has-id dynamic-header-change"> <div class="cpb-row-container cpb-row-content-width col-sm-12 remove-element-spacing col-natural" data-row-style="" data-v-center="true" data-top-style="none" data-bottom-style="none" style="background-color:#f7f7f7;margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 3%;padding-left: 0%;padding-right: 0%;padding-bottom: 3%;"> <div class="cpb_content_element" style=""> <section class="container"> <div class="row"> <div class="cpb_content_element cpb_image noframe col-sm-6 thumbnail-std square-corners"> <div class="cpb-asset-content"> <figure class="clearfix"> <div class="img-wrap"> <img width="2000" height="1500" src="/media/1177/e-services.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108230000000" class="attachment-full size-full" alt="Zenith Bank E-Services" srcset="/media/1177/e-services.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108230000000 2000w , /media/1177/e-services.jpg?anchor=center&mode=crop&width=300&height=225&rnd=131384108230000000 300w , /media/1177/e-services.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108230000000 768w , /media/1177/e-services.jpg?anchor=center&mode=crop&width=768&height=576&rnd=131384108230000000 1024w , /media/1177/e-services.jpg?anchor=center&mode=crop&width=94&height=70&rnd=131384108230000000 94w , /media/1177/e-services.jpg?anchor=center&mode=crop&width=600&height=450&rnd=131384108230000000 600w , /media/1177/e-services.jpg?anchor=center&mode=crop&width=900&height=675&rnd=131384108230000000 900w , /media/1177/e-services.jpg?anchor=center&mode=crop&width=1280&height=960&rnd=131384108230000000 1280w , /media/1177/e-services.jpg?anchor=center&mode=crop&width=1000&height=750&rnd=131384108230000000 1000w" sizes="(max-width: 2000px) 100vw, 2000px" /> </div><div class="figcaption-wrap"></div> </figure> </div> </div> <div class="cpb-column-container col-sm-6" style="z-index: 0; "> <div class="cpb-asset-content" style="margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0%;padding-left: 8%;padding-right: 0%;padding-bottom: 0%;"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0%;margin-bottom: 0%;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0%;padding-left: 0%;padding-right: 0%;padding-bottom: 5%;"> <h1>E-Services</h1> <p>E- LC Application and Trade Finance Online. The Following are available on our Trade Finance Online:</p> <p> <a class="cg-button standard accent default" href="/letter-of-credit-application-form/" target="_self"><span class="text">GET STARTED</span></a> </p> </div> </div> </div> </section> <section class="container"> <div class="row"> <div class="cpb_accordion cpb_content_element col-sm-12 not-column-inherit" data-active=""> <div class="cpb_wrapper cpb-asset-content cpb_accordion_wrapper"> <div class="cpb_accordion_section group"> <h4><a href="#form" id="#form">FORM</a></h4> <div class="row-fluid"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p><ul> <li>The Scanning Company that processed your Form M</li> <li>The Status of Form M (Accepted/Rejected)</li> <li>The Approval date of the Form M</li> <li>The Amount of the Form M</li> <li>The Currency of the transaction</li> </ul></p> </div> </div> </div> </section> </div> </div> <div class="cpb_accordion_section group"> <h4><a href="#letter-of-credit" id="#letter-of-credit">LETTER OF CREDIT</a></h4> <div class="row-fluid"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p><ul> <li>The Letters of Credit number</li> <li>The Beneficiary</li> <li>The Expiry date</li> <li>The Type of Letters of Credit (Confirmed/Unconfirmed/Usance)</li> <li>Status of Unconfirmed Letters of Credit (Confirmed/Outstanding unconfirmed balance)</li> <li>Payment of Letters of Credit (Paid/Outstanding balance)</li> <li>Status of Letters of Credit (Expired/Active)</li> <li>Status of your shipping documents</li> <li>Shipping document received</li> <li>Bill of Lading Number</li> <li>Amount of Shipping documents</li> <li>Availability of Risk Assessment Report (RAR)</li> <li>Risk Assessment Report number</li> </ul></p> </div> </div> </div> </section> </div> </div> <div class="cpb_accordion_section group"> <h4><a href="#email-notification" id="#email-notification">EMAIL NOTIFICATION</a></h4> <div class="row-fluid"> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p><ul> <li>Notification of Form M batched to Scanning Companies</li> <li>Notification of Acceptance and Rejection of Form M</li> <li>Notification of receipt of Risk Assessment Report</li> <li>Notification of document batched to Scanning Companies</li> <li>Notification of Rejection of Shipping Document from Scanning Companies</li> <li>Notification of Bills for Collection payment</li> <li>Notification of Established Letters of Credit and amendment of Letters of Credit. In addition to this notification copies of the established Letters of Credit and any amendment are attached to such notification to enable you to have them in soft copies</li> <li>Notification of discrepancies on Letters of Credit</li> <li>Notification of Matured Usance and Deferred payment Letters of Credit</li> </ul></p> </div> </div> </div> </section> </div> </div> </div> </div> </div> </section> <section class="container"> <div class="row"> <div class="cpb_content_element col-sm-12 cpb_text_column"> <div class="cpb-asset-content" style="margin-top: 0px;margin-bottom: 0px;border-top: 0px ;border-left: 0px ;border-right: 0px ;border-bottom: 0px ;padding-top: 0px;padding-left: 0px;padding-right: 0px;padding-bottom: 0px;"> <p style="font-size: 11px;"></p> </div> </div> </div> </section> </div> </div> </div> </section> </div> </div> </section> <section data-header-style="" class="row fw-row dynamic-header-change"> <div class="cpb-row-container cpb-row-content-width col-sm-12 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