Top 10 banking apps in Nigeria (2024)

Not many people want to visit bank branches frequently. Nigerians have welcomed USSD, digital banking, and the Fintech industry in general. Mobile app performance is now a factor to be considered whenever we want to create an account with any bank. Having noticed this recent development, we have compiled a list of the Top 10 banking apps in Nigeria.

There are many things Nigerians look for in a banking app. Are our banks meeting up with our expectations? Well, let’s find out.

Best banking apps in Nigeria

Here are the best mobile banking apps in Nigeria:

1. GT World

For many years now, Guaranty Trust Bank has been among the top leaders of the Nigerian banking industry. Their mobile banking app claims to have all that’s important to users.

Key Features:

• Log in and complete your transactions using your face, fingerprint or a 4-digit PIN
• Check your account balance; transfer money within your accounts and buy airtime; all without having to sign in.
• Turn your contacts into a beneficiary list; send money to someone using just their mobile number
• Apply for loans and set savings targets right from your phone
• Send your Account Statements to your email or an embassy of your choice, and lots more

You can download and install the GT Banking app from the Google Play Store. It has a small size of 50 MB and over 1 million downloads. It currently has a review rating of 3.9 from over 21,000 users.

If you’re using an iPhone device, you can download and install the GT Banking app from the Apple App Store.

2. Access Bank Mobile App

Access Bank PLC is another popular commercial bank in Nigeria and is on our list of the top 10 mobile banking apps in Nigeria. The mobile app is compatible with most Android and iOS devices.

Key features:

• Transfers to accounts in Access Bank
• Transfers to accounts in other banks in Nigeria
• Bill Payments, Cable TV, Airtime, Power, etc
• Request for Cheque books
• Confirm cheques
• Cancel and stop cheques
• Locate Access Bank branches and ATMs
• and much more

You can download and install Access Bank Mobile App from the Google Play Store. It has a small size of 30 MB and over 5 million downloads. It currently has a review rating of 3.9 from over 26,000 users.

If you’re using an iPhone device, you can download and install the Access Bank Mobile app from the Apple App Store.

3. First Mobile App

First Mobile is the official mobile banking app of the First Bank of Nigeria. The app provides convenient access to all financial transactions.

You can download and install First Mobile App from the Google Play Store. It has a small size of 42 MB and over 5 million downloads. It currently has a review rating of 3.6 from over 55,000 users.

If you’re using an iPhone device, you can download and install First Mobile App from the Apple App Store. 

4. Kuda Bank App

Also known as the Bank of the Free, Kuda Bank has a microfinance banking license from the Central Bank of Nigeria. With Kuda Bank App, you can manage your money from your smartphone without any hassle.

You can download and install Kuda Bank App from the Google Play Store. It has a small size of 26 MB and over 5 million downloads. It currently has a review rating of 4.4 from over 163,000 users.

If you’re using an iPhone device, you can download and install the Kuda Bank app from the Apple App Store.

5. Alat by Wema Bank

Alat by Wema, commonly known as Alat Bank, is a digital bank powered by the widely known Wema Bank. It’s also the first fully digital bank in Nigeria.

Key features:

• No need to visit a bank to open an account
• Schedule transfers and bill payments
• Save easily with automated goal saving
• Free bank card delivery anywhere in Nigeria
• Control your bank card from your phone
• Works with all Nigerian bank cards
• No hidden charges
• A Virtual Dollar Card for online payments

If you’re tired of regular old banks and you want to take control of your money, ALAT is for you. If you’re using an iPhone device, you can download and install Alat by Wema from the Apple App Store. 

You can download and install Alat by Wema App from the Google Play Store. It has a small size of 11 MB and over 1 million downloads. It currently has a review rating of 3.8 from over 28,000 users.

6. FCMB Mobile App

The official mobile banking app of First City Monument Bank. With FCMB New Mobile, you can manage your FCMB personal and business accounts. You can also control your bank cards and your entire account without visiting a branch office.

You can download and install FCMB New Mobile App from the Google Play Store. It has a small size of 34 MB and over 1 million downloads. It currently has a review rating of 3.7 from over 14,000 users.

If you’re using an iPhone device, you can download and install FCMB New Mobile App from the Apple App Store. 

7. Zenith Bank App

Being among the top 10 mobile banking apps in Nigeria, Zenith Bank Mobile App makes life simpler by helping users manage their finances, make card settlements, transfer funds, make payments using QR codes and easy payments of bills, amongst others.

You can download and install Zenith Bank Mobile App from the Google Play Store. It has a size of 102 MB and over 5 million downloads. It currently has a review rating of 3.4 from over 36,000 users.

If you’re using an iPhone device, you can download and install Zenith Bank Mobile App from the Apple App Store.

8. UBA Mobile App

This is the official Mobile Banking App of the United Bank for Africa. It allows users to access enhanced mobile banking experiences, including but not limited to:

• Quick log-in within a few seconds with the biometric option (facial and fingerprint) on devices that support this feature
• Indemnity profile to set your desired transaction limits
• Toggle between day and night modes
• Faster navigation with the sliding menu available on all user sessions
• Banking Services on Self-Service mode
• Fewer, more intuitive screens enhance user experience
• ATM/Branch locator
• 24-hour customer service support via live chat 
• Quick selection of phone numbers from the device contacts list for airtime top up
• Favourites list creation for easier transactions
• Automatic insertion of OTP received via SMS on the transaction screen
• Auto reminders for recurring bill payments and transfers

You can download and install the UBA Mobile Banking App from the Google Play Store. It has a small size of 23  MB and over 5 million downloads. It currently has a review rating of 4.0 from over 107,000 users.

If you’re using an iPhone device, you can download and install the UBA Mobile Banking App from the Apple App Store. 

9. Ecobank Mobile app

Ecobank Mobile App is one of the top 10 banking apps in Nigeria. It makes it possible for users to manage their accounts, send money, make payments and get help from any of the 33 African countries where Ecobank is present.

You can download and install Ecobank Mobile App from the Google Play Store. It has a size of 75 MB and over 5 million downloads. It currently has a review rating of 3.4 from over 39,000 users.

If you’re using an iPhone device, you can download and install Ecobank Mobile App from the Apple App Store. 

10. Sterling Bank (One Bank) App

Aside from being a popular commercial bank in the country, Sterling Bank’s OneBank Mobile is one of the top 10 banking apps in Nigeria.

Sterling OneBank Mobile claims to bring both financial and non-financial experience to the digital space, through payments, lending, investment, advisory, informational and lifestyle services.

You can download and install Sterling OneBank Mobile App from the Google Play Store. It has a small size of 48 MB and over 500,000 downloads. It currently has a review rating of 3.5 from over 9,000 users.

If you’re using an iPhone device, you can download and install Sterling OneBank Mobile from the Apple App Store. 

Conclusion

Are our commercial banks meeting our expectations? That depends on the needs and preferences of each user. There are many things that Nigerians look for in a good mobile banking app.

They include but are not limited to ease of access to their fund, convenience of performing transactions at any location, ease of doing business (for POS agents) and most importantly, being able to control their bank account without visiting a branch office.