The worst mistake you will make is to use GTBank as a trusted bank when you're Abroad. I have been banking with GTBank for over 10years and my experiences with them since I traveled has been horrible. I will share my recent experience:
My ATM card expired and token stopped working as such I could not do online transactions. I filled a form and requested for a token via proxy pick up and I was told my signature was irregular. I called several times and explained that I signed this signature over ten years ago so I will need to see it again to be able to replicate same but they refused to show me. I pleaded for video call just to authenticate me and ask any questions they refused. One of call agents adviced me to contact my account officer to help and I did but again I got zero support from him. I called again and I was told to dial *737*... with a registered number on file and I asked if this was applicable to residents abroad? The agent said yes. I dialed the code and got an error message. Again I stayed up till 1am my time just so I can chat with an agent via WhatsApp! When I explained my situation I was told I couldn't use that code if am outside Nigeria. The agent was rude and ended the chat abruptly on me. So now I have my money in GTBank but I can't access this money because they make things absolutely difficult for residents out side Nigeria.
Another horrible system they have for customers abroad who want to change address customers will be required to notorized documents before such changes can be made. They don't consider that people relocate frequently Abroad and it's not like Nigeria! So subjecting customers to always notorize such documents before an address change is unfair and total waist of money for customers. When customers abroad provide utility bill and bank statement with same information that should suffice any address change. I provided GTBank with my bank statement abroad and a stamp from the bank alongside a utility bill that was paid from the same account apparently that was not enough to change my address. Any day I set my foot in Nigeria my first plan is to close down all my account with them.