HomeTipsBanking Apps In Nigeria 2023

Banking Apps In Nigeria 2023 [Best Ones]

Banking Apps In Nigeria 2023

The year 2023 has arrived, and I’m sure you’ll want to know which Nigerian mobile banking apps are the greatest and least likely to make you anxious. Whatever you choose to call it—digital banking, internet banking, or mobile banking—AI and technology have improved the world.

The debates regarding the top banking apps are still going on as we enter the second half of the year. In actuality, many consumers struggle to use internet banking software. After the payer sent a confirmation of the successful transfer, some people had to wait for transactions to complete. In other cases, there were a lot of transaction failures but no email warnings or alarms.

Some of the top Banking Apps In Nigeria 2023 meanwhile, eluded our grasp. Well, it’s up to us all to decide which bank’s app should be recognized as one of the finest mobile banking apps in Nigeria.


Banking Apps In Nigeria 2023 [Best Ones]

Banking Apps In Nigeria 2023 [Best Ones]
01 Kuda Bank App
02 Opay App
03 GT World
04 Access Bank App
05 First Bank Mobile App
07 Alat by Wema Bank
08 FCMB Mobile App
09 Zenith Bank App
10 UBA Mobile App


1. Kuda Bank

Talk about one of the fastest in the game with no hiccups, Kuda Bank is the best digital and mobile banking app in Nigeria.

It’s a free mobile bank with a microfinance banking license from the Central Bank of Nigeria. Kuda gives Nigerians an easy way to manage their money by using mobile banking apps on their smartphones.

Download the app today, open an account on your phone and request a free debit card!

No card maintenance fees, free transfers and automatic savings. Kuda gives you everything you need to stay on top of your money. Download the app today.

Kuda Bank meets its customer’s needs whereby all banking transactions will be carried out online [Kuda Mobile App] without having to visit a physical branch.

The bank’s deposits are insured by the Nigeria Deposit Insurance Corporation [NDIC].

In case of a missing debit card, you can deactivate the card right there in the app and reactivate it when found.

To get a kuda account, all you have to do is to download the app and sign up for free, it won’t cost you anything. Delay in account verification is the only drawback of this app.

The app currently has over 2 million downloads on Google Play and a 4.5 rating. Download here on Google Play or Apple Store

2. OPay App

I can’t help it but to mention the OPay App as second on the list of Banking Apps In Nigeria 2023

OPay is one of the top mobile payment and financial services platform that originated in Nigeria. It offers a wide range of services through its mobile app, catering to various needs of users such as money transfers, bill payments, mobile recharges, ride-hailing services, and more. OPay strives to provide convenient and accessible financial solutions to individuals, with a focus on digitizing and streamlining financial transactions.

Key Features and Services:

  • Mobile Money Transfers: OPay allows users to send and receive money digitally, enabling seamless and secure transactions between individuals. This feature eliminates the need for physical cash and offers a convenient way to handle payments.
  • Bill Payments and Utilities: The Opay app facilitates the payment of bills such as electricity, water, internet, and television subscriptions. Users can conveniently settle their bills through the app, saving time and effort.
  • Airtime and Data Recharge: Opay simplifies the process of recharging mobile airtime and data plans. Users can easily top up their mobile accounts or purchase data bundles directly through the app, ensuring uninterrupted communication.

The app gives Opay account holders the liberty to enjoy full financial and non-financial transactions. With this app, you can make fund transfer to other banks.

It also supports the payment of bills, fingerprint recognition, account reviews, and lots more. The app also supports instant loans and overdrafts.

The app has positive remarks from users that’s why it made the list of best banking apps in Nigeria. OPay app has over 1 million downloads on Google Play and a 4.3 ratings.


3. GT World

Given the scarcity of brick-and-mortar banking institutions in Nigeria, the GT Bank mobile app is a welcome alternative.

You can log in to your account from any internet-connected computer, including those at home or in the office. Thanks to the intuitive design, getting the financial help you need is as simple as clicking a button.

The GT World mobile app has everything you could possibly want in one place. You can request that GT World add your preferred banking system.

If you don’t want to use fingerprints or a photo of your face, you can use any four numbers you like.

If you own a business, using GT World is a no-brainer. Use GAPS, their cutting-edge online banking platform for businesses, to monitor and control your company’s finances whenever and wherever you like.


4. Access Bank Mobile App

The Access Bank Mobile app is a strong contender as one of the best mobile banking apps in Nigeria. Almost any modern smartphone, including those made by Apple and Google, can use this application.

Just click on the appropriate icon to download the app, and soon you’ll be able to check balances, transfer funds, pay bills, deposit checks and much more whenever it’s most convenient for you. (Also, you’ll need to have an account set up for Online Banking services before you can use the Mobile App.)

Purchasing airtime for yourself or another person, transferring funds, and paying bills are all examples of transactions.

If you have any form of problem, you don’t necessarily have to go to the bank just make your complaint from the app.

Over a million people have downloaded the app since it was released and it has a 4.1 rating on Google Play. You can get it from the App Store or Google Play.

Accessible for download on both Android and iOS


5. First Mobile

It is not surprising that First Bank app is also one of the best mobile banking apps in Nigeria.

The app features include card management, account overview, bill payments, and cash transfer. First Mobile is the official mobile banking smartphone application from First Bank.

It provides convenient access to both financial and non-financial transactions by First Bank account holders via their mobile phones/devices.

The service is available to First Bank account holders with Naira MasterCard and/or Verve cards.

The App is sleek and convenient to use – evident in its easy enrolment process as all First Bank customers with Verve and Naira MasterCard can begin using the App without having cause to visit a First Bank branch.

It is also poised to offer a more reliable and definitely more convenient digital banking experience.

First Mobile has a rating of 4.0 on Google Play and has been downloaded over 1 million times. Download on Apple Store or Google Play.


6. V Bank by VFHD

V Bank by VFD (Virtual Bank by VFD) is a mobile banking app provided by VFD Microfinance Bank, a licensed financial institution in Nigeria. The V Bank app is designed to offer a digital banking experience, providing users with a range of convenient and innovative financial services.

Key Features and Services:

  • Digital Account Opening: V Bank allows users to open a fully functional bank account digitally, without the need to visit a physical branch. Users can complete the account opening process through the app, providing necessary identification and personal information.
  • Virtual Debit Card: V Bank provides users with a virtual debit card upon opening an account. This virtual card can be used for online transactions, making purchases, and paying bills through various digital platforms.
  • Savings and Investments: V Bank offers savings accounts with competitive interest rates, allowing users to save and grow their money. Additionally, the app provides investment opportunities, such as fixed deposit options, to help users achieve their financial goals.
  • Funds Transfer and Payments: With V Bank, users can transfer funds between V Bank accounts and make payments to other bank accounts within Nigeria. The app also supports bill payments, allowing users to conveniently settle utility bills, purchase airtime, and more.
  • Financial Management Tools: V Bank provides users with features to track their expenses, view transaction history, and manage their finances effectively. This includes budgeting tools, spending insights, and notifications to help users stay in control of their money.
  • Loans and Credit Facilities: V Bank offers personal loans and credit facilities to eligible customers. Users can apply for loans directly through the app, and if approved, receive the funds directly into their V Bank account.
  • Customer Support and Assistance: V Bank ensures customer support through its app, providing users with the ability to contact the bank for inquiries, assistance, or issue resolution.

7. Alat by Wema

This is one of the very fast and best mobile banking apps in Nigeria. With ALAT, Nigeria’s first fully digital bank, you can open an account and manage your money without ever going to a branch.

This award-winning app also gives you access to exclusive group and personal savings, a free debit card, lifestyle benefits and up to 4% annual interest.

It offers all the features a digital bank offers from free card delivery to any location of your choice in Nigeria to get a virtual Dollar card for online payments.

Account opening is also free and you can request a loan when you regularly use the app with no collateral option available.

ALAT in its four years of existence has won several awards, including ‘Best Mobile Banking App’ and ‘Best Digital Bank for 2017’ at the World Finance Digital Banking Awards; ‘Best Digital Bank in Africa’ at 2018 Asian Banker Awards, and the ‘Best Digital Platform Nigeria 2019 Award’.

For ALAT, the first step is providing efficient and cost-effective financial services to our customers. Signing up gives you access to a free debit card, which is delivered straight to your doorstep.

Alat has over 500,000 downloads on Google Play and a rating of 3.7. You can download the app here on Google Play or Apple Store.

8. FCMB Mobile App

When it comes to mobile banking, FCMB Mobile App is also a contender. Users of the FCMB Mobile App have quick and easy access to all of their personal and business banking needs, whenever they need it, no matter where they happen to be.

With its straightforward design and emphasis on security, the interface makes it a breeze to get around. One of the most prominent commercial banks in Nigeria, First City Monument Bank, offers its customers the FCMB Mobile app.

They currently have an infinite number of locations serving millions of customers all over the country.

In 2015, their bank was named “Nigeria’s Most Customer-Friendly Bank” by a national survey. The FCMB mobile app has many features, including the ability to pay for food and tickets, make transfers, open new accounts, use QR codes and perform Cardless transactions.

To date, the app has been downloaded over 500,000 times from Google Play and has received a 4.1 star rating. Choose the Apple Store or Google Play to download.

9. Zenith Bank App

One of the top mobile banking apps in Nigeria is the Zenith Bank app. It is intended to make it easier for users to navigate the app. You may manage your account with this app.

Check your balance, transfer money, pay your bills, and a lot more. Additionally, you can use it to activate and deactivate your card and make QR payments.

The software has already received over a million downloads on the Play store, demonstrating its importance. The app does, however, have certain drawbacks.

Some consumers reported trouble logging in, which the bank quickly resolved after learning about it from its clients.

Download on Android and iOS

Related: Latest Sites To Download Yoruba Movies 2023

10. UBA Banking App

One of the top mobile banking apps in Nigeria is the one for UBA. The UBA app enables consumers to log in instantly, unlike others who take a while.

On smartphones with these features, it also supports the biometric choices. If you choose, you can switch between the day and night modes.

You may easily make transfers using the app, ask for a statement, check your account, and many other things. They also offer live chat for their customer assistance.

If you ever run into any issues, you can contact them right from the app. And your problems will be resolved. Over 23,000 people have downloaded the UBA banking app, which has a 4.0 star rating on Google Play.

Download on Android and iOS.

Related: Sites To Download Korean Movies For Free 2023

Banking Apps In Nigeria 2023 (Summary)

Opening a bank account, making payments, sending and receiving money, and generally simplifying your financial life in Nigeria are all made simple by banking apps like the ones I’ve included.

That concludes my review of the top mobile banking apps in Nigeria. Constantly too busy to stop by a real branch? Making a sick call to work is the simplest answer.

Now, what do you think? Don’t forget to hit the buttons for “like,” “comment,” and “share”!

Even More Topics:



Please enter your comment!
Please enter your name here

Most Popular

Recent Comments

Apply now