Business Advantage
Diamond Business advantage is carefully designed to add value to micro, small and medium-scale businesses, so you can grow and expand your enterprise with smart banking.
Open an account nowOur Emerging Businesses Propositions team is set to develop and deliver the Emerging Businesses advisory helpdesk as it fulfils your need.
Product Features
| Segments | Minimum Opening Balance | Minimum Operating Balance | Monthly Fixed Charge | Monthly Debit Limit | Excess Turnover Changer |
| DBA Trader Lite Tier 1 & 2 | ₦ 2,000 | ₦ 1,000 | ₦ 75 & ₦100 | NA | NA |
| DBA Trader Lite -Ind. | ₦ 5,000 | ₦ 2,000 | ₦ 200 | ₦1 Million | 0.10% |
| DBA Trader Lite -Bus. | ₦ 10,000 | ₦ 2,000 | ₦ 200 | ₦1 Million | 0.10% |
| DBA Lite -Ind. | ₦ 5,000 | ₦ 2,000 | ₦ 200 | ₦1 Million | 0.10% |
| DBA Lite- Bus. | ₦10,000 | ₦2,000 | ₦200 | ₦1 Million | 0.10% |
| DBA Basic -Ind. | ₦10,000 | ₦5,000 | ₦2,500 | ₦4 Million | 0.10% |
| DBA Basic -Bus. | ₦15,000 | ₦5,000 | ₦2,500 | ₦4 Million | 0.10% |
| DBA Growing | ₦20,000 | ₦10,000 | ₦5,000 | ₦12 million | 0.10% |
| DBA Established | ₦35,000 | ₦25,000 | ₦20,000 | ₦50 million | 0.10% |
| DBA Premium | ₦75,000 | ₦50,000 | ₦40,000 | ₦100 million | 0.10% |
| DBA Prestige | ₦100,000 | ₦75,000 | ₦60,000 | ₦300 million | 0.05% |
| Segments | FIXED CHARGE | TURNOVER THRESHOLD | EXCESS MONTHLY TURNOVER CHARGE | MONTHLY ACCOUNT MAINTENANCE | MINIMUM DAILY BALANCE | MINIMUM DAILY BALANCE DEFAULT CHARGE |
| DBA FLEX GROWING | Zero | N50million | N1/mille | N0.20K/mille | N100,000 | N1/mille |
| DBA FLEX ESTABLISHED | N100million | N1/mille | N0.20K/mille | ₦1 Million | N1/mille | |
DBA FLEX PREMIUM | N250million | N0.50k/mille | N0.20K/mille | ₦2 Million | N0.50k/mille | |
| DBA FLEX PRESTIGE | N500million | N0.30k/mille | N0.20k/mille | N3million | N0.50k/mille |
The Business Clinic is the advisory component of the bank’s Emerging Businesses Proposition. The Business Clinic’s aim is to bridge the functional managerial capacity gap that exists in Emerging businesses.
Through these business clinics, participants (customers) obtain tailor-made solutions to their business challenges by meeting with experts/successful entrepreneurs on a one-on-one basis to discuss their specific areas of business challenges and concerns. They consequently become better managers of their businesses and ultimately better customers.
The Business Clinic is the advisory component of the bank’s Emerging Businesses Proposition. The Business Clinic’s aim is to bridge the functional managerial capacity gap that exists in Emerging businesses.
Through these business clinics, participants (customers) obtain tailor-made solutions to their business challenges by meeting with experts/successful entrepreneurs on a one-on-one basis to discuss their specific areas of business challenges and concerns. They consequently become better managers of their businesses and ultimately better customers.
The Emerging Businesses Propositions team is set to develop and deliver the Emerging Businesses advisory helpdesk in line with the 2016 Emerging Businesses strategy. The business initiative is targeted at micro, small and medium enterprises and its objective are to provide information to Emerging Businesses. Information provided here includes:
Other useful topics would include:
This will be carried out after due one-on-one phone consultations or e-mail exchange with the customer and would typically require the administrators to possess some level of wide industry exposure such as specialized skill set and good knowledge of the marketplace. Sometimes, customers may require further referral to our supporting consultants to diagnose and proffer the right solutions. To this end, we have decided to deliver the advisory helpdesk services via the contact center platform where we would be riding on the existing infrastructures and have calls screened or filtered before being directed to the helpdesk.
For tracking and monitoring purposes, the service desk would require a basic Customer Relationship Management tool where last discussions with a customer would be captured for accessibility in the event of a need for further future discussions with different resource persons. There would also be a need for an automated log-in and tracking of customer complaints until fully resolved, similar to the existing process for the complaints management system.
Access to markets for their products and services is a major challenge for most small & growing businesses. The offering provides access to market offering provide platforms that enable market linkages, increased referral base & networks that enable small enterprise scale the hurdle of accessing new markets for their products. Networking sessions such as Business Club enable MSME customer expand their referral base through interacting with other MSMEs in a lounge setting. Access to internet services (website creation) the web has since become a powerful tool to access market beyond the proximity of enterprises. The Bank has negotiated for huge discounts from solution providers and makes same available to its MSME customers. Linkages and partnerships with organizations such as IFC, SMEDAN, DFID, USAID, MCF, BET, multinational corporations and large local corporates & conglomerates are aggressively sought to create value chain linkages, pool funds for financing, reduce high interest rates, lower business risk, improve business climate, improve business processes and improve management capacity of small business promoters.
Take advantage of our discounted rates and speedy processing to register your business name or limited liability company. Our first in class service comes along with the following for free;
Tax Identification Number(TIN)
Corporate Search Report Account
Opening Requirements
Please call our 24-hour Contact Centre on 07003000000, or send an email to enquiries@accessbankplc.com. To give feedback or make a complaint, send an email to complaints@accessbanplc.com.
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