Business Advantage

DIAMOND 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.

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Our Emerging Businesses Propositions team is set to develop and deliver  the Emerging Businesses advisory helpdesk as it fulfils your need. 


Product Features

  • Zero CAMF
  • Business Seminar
  • Business Loans
  • Fee Waiver
  • Personal credit cards
  • Website Development
  • Diamond Business Club
  • Business Newsletter + Enterprise Guide
  • SME Zone
  • Business / Financial Advisory
  • Networking
  • Payment Solutions
SegmentsMinimum Opening AmountMinimum Operating BalanceMonthly Fixed Fixed ChargeDebit Turnover LimitPenal Charge on Excess Turnover
DBA Trader Lite Tier 1 & 2
₦ 2,000
₦ 1,000
₦ 75 &  ₦100
NANA
DBA Trader Lite -Ind.
₦ 5,000
₦ 2,000
₦ 200
₦1 Million
0.3%
DBA Trader Lite -Bus.
₦ 10,000
₦ 2,000
₦ 200
₦1 Million
0.3%
DBA Lite -Ind.
₦ 5,000
₦ 2,000
₦ 200
₦1 Million
0.3%
DBA Lite- Bus.
₦10,000₦2,000₦200₦1 Million0.2%
DBA Basic -Ind.
₦10,000₦5,000₦2,500₦4 Million0.2%
DBA Basic -Bus.
₦15,000 ₦5,000₦2,500₦4 Million
0.2%
DBA Growing
₦20,000₦10,000₦5,000
₦12 million0.2%
DBA Established
₦35,000₦25,000
₦20,000
₦50 million0.2%
DBA Premium
₦75,000
₦50,000
₦40,000
₦100 million
0.1%
DBA Prestige
₦100,000
₦75,000
₦60,000
₦300 million
0.05%
  • *  A monthly fee waiver applies if a minimum daily balance of N1m (for DBA Basic, Growing, and Established) is maintained in your account all through the month.
  • *  A monthly fee waiver applies if a minimum daily balance of N2m (DBA Premium) and N3m (DBA Prestige) is maintained in your account all through the month.
  • *  A penal charge will also apply on the excess of your monthly debit turnover limit if exceeded.

Non-Financial Services:

Access To Monthly Business Clinics

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.

Access To Monthly Business Seminars

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.


Advisory Help Desk

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:

  1. 1. Emerging Businesses newsletters on industry trends
  2. 2. Ideas on best marketing strategy.
  3. 3. Industry-specific information.
  4. 4. Guidance on how to structure better cash flows.
  5. 5. Counselling on business planning.
  6. 6. Marketing strategy and other business clinic related topics.

Other useful topics would include:

  • How do you register your business?
  • Common legal & tax matters facing Emerging Businesses & quick resolutions
  • Structural challenges of an Emerging Businesses & quick answers?
  • Common corporate governance issues faced by an Emerging Business?

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.

Product Features

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.

BUSINESS REGISTRATION

REGISTER YOUR BUSINESS TODAY!!!

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

  • - Executed Current Account opening Form
  • - 2 References
  • - DBA Agreement Form

Do you have enquiries?

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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