Keystone Bank Sort Code in Nigeria by City and Branch
Keystone took over the 082 code from Bank PHB. See how yours starts in nine Nigerian cities, which branches are there, and who gives the last four digits.
A Keystone Bank sort code should begin 082 08 for a branch in Abuja, 082 15 in Lagos and 082 12 in Kano. The remaining four digits belong to the branch, and only Keystone can give you those. Call its contact centre on 0700 2000 3000 or write to [email protected], give your account number, and ask for the sort code of the branch holding the account.
How the code starts, city by city
| City | Code starts | Keystone branches listed there |
|---|---|---|
| Abuja | 082 08 | Central Business District, Zone 1, Asokoro, Maitama (two), Wuse II (two), Utako, Garki II, Gwarinpa, Keffi Expressway, Gada Nasko Road, NNPC Towers, National Assembly, Federal Secretariat |
| Lagos | 082 15 | About 45 across the state, from Victoria Island and Apapa to Ikorodu, Epe and Ojo |
| Kano | 082 12 | France Road, Sabon Gari; Dala Road, Kofar Ruwa; Post Office Road; Hotoro; Kachako; Yankaba |
| Kaduna | 082 11 | Bank Road; Ahmadu Bello Way; Kano Road; Kachia Road; Ali Akilu Road; Keffi Road, Barnawa |
| Port Harcourt | 082 21 | Aggrey Road; Aba Road; Ikwerre Road; Trans Amadi Road; Onne Road; Bori Camp |
| Uyo | 082 01 | Abak Road; Ikot Ekpene Road; University of Uyo Town Campus |
| Katsina | 082 13 | WTC Road, GRA, with Daura, Funtua and Malumfashi elsewhere in the state |
| Bauchi | 082 03 | Ahmed Abdulkadir Road, with Katagum elsewhere in the state |
| Maiduguri | 082 06 | Baga Road |
The starting digits apply the state codes in a Central Bank of Nigeria (CBN) circular, which requires a branch to carry the code of the state it stands in. For any other state, every state’s digits are under UBA sort codes: use 082 where it says 033.
The branches come from Keystone’s own branch page, which lists addresses but no codes or branch phone numbers. It has slips of its own, such as a Zaria address filed under Ikeja, so name the branch to the contact centre and let them confirm it.
Why it is 082, and what that does not prove
The number is older than the bank. The CBN’s 2010 table of bank codes gives 082 to Bank PHB. After the CBN revoked that bank’s licence, Keystone received its own licence on 5 August 2011 and took over the assets and deposits, as its corporate history records.
So a Bank PHB cheque or mandate form with 082 on it still points at the right bank. It does not vouch for the other six digits. The CBN’s state rule came in November 2018, with sanctions for banks using another state’s digits, and a directory can miss a change. One still lists Keystone’s Yola branch with the digits 04, which are Edo’s. Adamawa’s are 09. Treat any such code as a question for Keystone and not as an answer.
Other places to find the last four digits
A Keystone cheque leaf carries the full code, starting 082, among the figures printed across the foot. Three of the four digits you are missing name the branch, and the last is a check digit worked out from the other eight, under the CBN’s account-number standards.
Without a cheque book, the contact centre also answers on 0201 344 8668 and 0201 448 5743. Keystone’s FAQ and its KeyMobile and Oxygen chat pages do not mention sort codes, so a phone call or a branch visit is the sure route.
Keystone’s notice on cheque deposit alerts is worth knowing here. Since 11 August 2025 the alert comes only after a cheque clears, so silence on the day you pay one in does not mean a code was wrong.
When nobody needs the code
A transfer inside Nigeria does not use it. Keystone’s USSD format is *7111*Amount*AccountNumber#, amount first and then the 10-digit number, up to ₦100,000 a day from the phone registered on the account.
The code also stops at the border. Keystone sold its Sierra Leone and Liberia banks in December 2022 and January 2023, and a payment from abroad goes by SWIFT code. Keystone’s pages do not print one, so ask the contact centre.
