Have you ever wished for a banking experience that’s as smooth as silk, as convenient as drinking water , and as secure as a crypto? 

Look no further because we’ve got the inside scoop on Nigeria’s banks with the most mind-blowing mobile apps and online banking platforms!

In this article, we will take a look at some of the major banks in Nigeria and evaluate which ones have the best mobile banking and online banking capabilities.

Online Banking in Nigeria?

Online banking in Nigeria refers to the use of digital channels such as mobile apps, software, and electronic/online platforms to deliver banking services to customers.

The Best Mobile App and Online Banking in Nigeria?

Access Bank 

Access Bank has invested heavily in developing robust online and mobile banking platforms. Their AccessMore mobile app is one of the most feature-rich in Nigeria. Through the app, customers can perform a wide range of banking tasks like funds transfer, bill payments, airtime purchase, account opening and much more. Access Bank also has a very user-friendly online banking portal that allows customers to manage their accounts from any device with an internet connection. Both the mobile app and online platforms are secure and have won several awards locally. Overall, Access Bank gets high marks for technology and digital innovation.

Zenith Bank

Zenith Bank is another Nigerian bank that prioritizes online and mobile banking. Their mobile app, known as Zenith Mobile, is available for iOS and Android devices. Through the app, customers can check balances, transfer funds, pay bills and more. Online banking on their platform is also quite robust. Zenith Bank has invested heavily in ensuring their virtual channels provide a secure and seamless banking experience for customers. One downside though is that the user interface of their online and mobile platforms could be more intuitive and appealing.

GTBank 

Guaranty Trust Bank (GTBank) was one of the earliest banks to embrace digital banking in Nigeria. 

Their mobile app, GTBank Mobile, allows phone-based banking for tasks like funds transfer, bills payment, airtime purchase and more. Their online banking portal is also highly secure and feature-rich.

GTBank gets praise for continually innovating and adding new functionalities to their platforms. 

One area they could improve on however is making the user journey and navigation within their apps and websites smoother and easier. 

UBA

United Bank for Africa (UBA) has the widest reach in African markets and they have sought to give their large customer base convenient digital access. Their mobile banking app, called Leo, is available on iOS and Android. Through the app, users can open accounts, transfer funds, check balances, pay bills and more. UBA’s online banking portal offers the full suite of services to customers as well. However, some customers complain the app needs to be more stable and have less downtimes. UBA could also improve on ensuring a seamless multi-channel experience across all their virtual platforms.

First Bank

First Bank of Nigeria is one of the largest and oldest financial institutions in the country. They were relatively late to fully embrace digital banking transformation. However, in recent years they have revamped their online and mobile banking offerings. 

Their FirstMobile app allows features like funds transfer, bills payment, airtime purchase, check balance, mini statements etc. Online banking on FirstBank’s platform also covers the key essentials. The lender continues to invest in upgrading the interfaces, adding new services and ensuring higher system uptime on all channels. But FirstBank could still improve on offering a more engaging and user-friendly digital experience overall.

Other Major Banks 

Other major Nigerian banks like Fidelity Bank, Polaris Bank, Stanbic IBTC Bank and Wema Bank have also upped their game in online and mobile banking. 

While they offer essential services through their apps and websites, their digital platforms still lag peers in terms of overall usability, reliability and innovation. 

Smaller lenders like Heritage Bank and Jaiz Bank have invested in digital transformation as well but need to strengthen virtual service delivery further.

Conclusion 

In conclusion, Access Bank, GTBank and Zenith Bank currently appear to have the most robust, secure and fully-featured digital banking offerings amongst the major banks in Nigeria. They lead in areas of mobile app functionality, online banking capabilities, continuous enhancements and overall user experience.

Thanks for reading to the very end. 

FAQs

Is OPay approved by CBN?

Yes, OPay is approved by the Central Bank of Nigeria (CBN) as a mobile money operator. It is one of the 17 companies licensed by the CBN to provide mobile money services in Nigeria.

Which online bank is approved by CBN?

The Central Bank of Nigeria (CBN) has licensed several online banks to operate in Nigeria.

As I have mentioned earlier, there are 17 companies licensed by the CBN to provide mobile money services in Nigeria, including Abeg Technologies Limited, Chams Mobile Limited, eTranzact International Limited, Fortis Mobile Money Limited, Inlaks Limited, Interswitch Limited, Kiakia Bits Limited, Monetise Africa Limited, Opay Digital Services Limited, Paga Tech Limited, Paycom Nigeria Limited, PocketMoni Limited, ReadyCash Limited, Teasy Mobile Limited, Unified Payment Services Limited, Xpress Payment Solutions Limited, and Zedvance Limited.

Can a bank track an OPay account?

OPay is a licensed mobile money operator approved by the Central Bank of Nigeria (CBN). For the question, no. 

Are you tired of your 9 to 5 job? Do you dream of financial freedom and the ability to work from the comfort of your own home? Look no further! In this article, we will reveal the best and legit paying sites in Nigeria that can help you earn money online. 

Without wasting much of our time, let’s get started. 

In 2024, earning money online has become a popular option for many people, including Nigerians. With the increasing availability of internet access and the growing number of online opportunities, it’s now possible to make a decent income from the comfort of your home. 

However, with the rise of online scams and fraudulent activities, it’s essential to identify legitimate paying sites that can help you earn money safely and reliably. 

Below are some of the best and legit paying sites in Nigeria that you can consider to supplement your income or even make a full-time living.

The Best and Legit Paying Sites in Nigeria

1. Upwork

Upwork is a global freelancing platform that connects businesses with skilled freelancers in various fields such as writing, graphic design, programming, and marketing. Nigerians can create profiles on Upwork and bid on projects that match their skills. With a reliable payment system, Upwork ensures that freelancers receive their earnings promptly and securely, making it a trusted platform for remote work.

2. Fiverr

Fiverr is another popular online marketplace that allows freelancers to offer their services in a wide range of categories, including writing, design, programming, and more.

 As a Nigerian freelancer, you can create gigs on Fiverr and showcase your skills to attract clients from all over the world. Fiverr provides a secure payment system, and once you complete a project, you’ll receive your payment directly into your account.

3. Swagbucks

Swagbucks is a reputable online rewards platform that pays users for completing various tasks such as taking surveys, watching videos, playing games, and shopping online. It offers a straightforward way to earn extra income by participating in activities that you might already do in your free time. 

Swagbucks rewards users with points that can be redeemed for cash or gift cards. While the earnings might not be substantial, it can be a great way to make some extra money online.

4. Naira4all

Naira4all is a Nigerian-based online platform that provides different ways to earn money. It offers opportunities such as paid surveys, affiliate marketing, and referring new members to the platform. Naira4all pays its members promptly, and many Nigerians have reported positive experiences with the platform.

5. Freelancer

Freelancer  is a well-established freelancing marketplace that connects freelancers with clients across various industries. Nigerian freelancers can create profiles, bid on projects, and communicate with clients to secure work opportunities. Freelancer.com ensures secure payments, and freelancers have the option to withdraw their earnings through different payment methods.

6. Opinion Space

Opinion Space is an online survey platform that pays Nigerian users for sharing their opinions and insights on various topics. By participating in surveys, you can earn cash or gift cards. Opinion Space has been around for quite some time and is known for its reliability in terms of payment.

Conclusion

Thanks for reading to the very end. That’s all about best and legit paying sites in Nigeria. The platforms mentioned in this article, including Upwork, Fiverr, Swagbucks, Naira4all, Freelancer.com, and Opinion Space, have gained a positive reputation among users and offer reliable ways to earn money online.

FAQs

How much can you make on PaidViewpoint?

You can earn up to 25 dollars. This is the breakdown 

With Trait Score Surveys, short surveys pay between $0.03 and $1.00 each and help build your Trait Score.

For Market Research Surveys, they pay between $1.00 and $5.00 each, but can sometimes pay up to $15.00 or more. Lastly, for referral Program you can earn 20% of your referrals’ earnings, up to $25 per referral.

Is life points legit?

Yes, LifePoints is a legitimate survey site.

Is dollar inbox legit?

Yes, Dollar Inbox, also known as InboxDollars, is a legitimate rewards site that has been operating since 2000. It has paid out over $80 million to its members in cash rewards for completing various online tasks.

Are you tired of wasting precious time standing in long queues, filling out cumbersome forms, and dealing with the tedious process of paying your federal government bills? Look no further! We have the ultimate solution to streamline your payment experience and bring convenience to your fingertips. 

Paying Federal Government bills such as tax or utility bills can now be done conveniently online using Remita an electronic payment platform. In this article, we will provide a step-by-step guide on how to pay various bills to Federal Government agencies using Remita online payment. Let’s get started.

What is Remita and what is Remita Online Payment?

Remita is a financial technology company based in Nigeria. It provides a wide range of payment solutions and services to individuals, businesses, and government organizations. 

Remita Online Payment is one of the services offered by Remita, which allows users to make secure and convenient online payments for various purposes such as bills payment, school fees, taxes, and more. It provides a platform for individuals and businesses to easily initiate and complete their financial transactions online, offering multiple payment options and ensuring the security of transactions.

How to Pay Federal Government Bills Using Remita Online Payment

1 Signing Up for Remita Account 

The first step is to sign up for a Remita account if you don’t already have one. Visit the Remita website at www.remita.net and click on the ‘Sign Up’ button. You will be required to fill a registration form providing your personal details like name, email, phone number etc. Once your details are verified, you will receive an activation link via email. Click on the link to activate your account.

2. Logging Into Your Remita Account

After signing up and activating your account, you can now log in using your email and password. When you log in, you will be taken to the Remita homepage dashboard. The dashboard displays various payment options for bills, funds transfer, airtime purchase etc.

Selecting the Bill Payment Option

To pay a federal government bill, click on the ‘Bill Payment’ option on the left sidebar menu. This will display a list of government agencies whose bills can be paid using Remita. Some of the major agencies include Federal Inland Revenue Service (FIRS), National Housing Fund (NHF), Nigeria Customs Service (NCS) etc. 

Searching for the Bill Details

Select the agency you want to pay bill for from the list. For example, if paying tax, select FIRS. You will be asked to enter details of the bill you want to pay like Tax ID Number (TIN), Invoice Number etc. Enter the required details and click ‘Search’. This will retrieve the bill details from the agency database.

Reviewing Bill Details 

Once search is completed, the retrieved bill details like amount payable, due date etc will be displayed. Review the details carefully to ensure it’s the correct bill you intend to pay. In case of any discrepancy, you can go back and correct the search details.

Making Online Payment

If the displayed bill details match, click on ‘Proceed to Pay’ button. You will be taken to the payment page where various online payment options using bank accounts or cards will be displayed. Select your preferred payment method, enter the payment details and click ‘Submit Payment’.

Payment Confirmation

Once payment is successfully submitted, you will receive an instant online payment confirmation on the Remita platform. You can also download or print the payment receipt for your records. The receipt serves as proof of payment which can be presented if required to the government agency.

What are the Benefits of Using Remita 

Some of the key benefits of using Remita for online government bill payments include convenience, security, ease of use, availability of payment history and instant payment confirmation. It saves time and effort compared to physically paying at banks or designated payment points.

Conclusion

I hope this step-by-step guide helps you in learning how to easily pay various Federal Government bills online using the Remita electronic payment platform. Let me know if you have any other questions.

FAQs

What is the reference number for Remita?

The reference number for Remita is called the Remita Retrieval Reference (RRR). It’s a 12-digit code that uniquely identifies each payment transaction made through the platform.

How do I activate Remita?

To activate Remita, you typically need to go through a few steps. 

1. Visit the Remita website: Go to the official Remita website using your preferred web browser.

2. Locate the activation portal: Look for the activation portal or link on the website’s homepage. It may be labeled as “Activate Account” or something similar.

3. Provide necessary information: Click on the activation link and provide the required information. This usually includes your personal details such as name, email address, phone number, and any other information requested by Remita.

4. Verify your identity: Depending on the platform, you might need to verify your identity through various means. This could involve submitting identification documents, answering security questions, or receiving a verification code via email or SMS.

5. Create a password: Set a strong password for your Remita account. Ensure it meets the platform’s password requirements and includes a combination of uppercase and lowercase letters, numbers, and special characters.

6. Submit the activation request: After providing all the necessary information and agreeing to the terms, submit your activation request. The Remita system will process your request.

7. Confirmation and login: Once your Remita account is activated, you should receive a confirmation message via email or SMS, depending on the communication method chosen during the activation process. Use the login credentials you provided to access your account.

Are you tired of the traditional, time-consuming methods of sending money to Nigeria from the USA? Well, we have the perfect solution for you! In this new year, where convenience is king, we bring you the ultimate list of 15 mind-blowing apps that will change the way you send money to your loved ones in Nigeria. Say goodbye to long queues, exorbitant fees, and frustrating delays.

So, if you’re ready to bid farewell to the archaic methods of sending money overseas and embark on a hassle-free journey towards seamless transactions, then keep reading.

15 Best Apps to Send Money to Nigeria from the USA

1. TransferWise

TransferWise is a renowned money transfer platform known for its transparency and competitive exchange rates. It allows users to send money directly to Nigerian bank accounts, ensuring quick and cost-effective transactions. Additionally, TransferWise provides real-time exchange rate updates, so you know exactly how much money your recipient will receive.

2. WorldRemit

WorldRemit is a user-friendly app that offers a variety of transfer options, including bank deposits, cash pickups, and mobile money transfers. With competitive fees and fast transfer times, WorldRemit is a popular choice for sending money to Nigeria.

3. Azimo

Azimo is a reliable platform that enables users to send money to Nigerian bank accounts, mobile wallets, or for cash pickups. With low fees and competitive exchange rates, Azimo ensures that your money reaches its destination securely and efficiently.

4. Remitly

Remitly provides a seamless and hassle-free experience for sending money to Nigeria. With flexible delivery options, including bank deposits and cash pickups, along with competitive exchange rates, this app has gained popularity among users.

5. Ria Money Transfer

Ria Money Transfer is a trusted platform that offers competitive rates and speedy transfers to Nigeria. You can send money directly to Nigerian bank accounts or opt for cash pickups at numerous locations across the country.

6. PayPal

PayPal is a globally recognized platform that allows users to send money internationally. While not specifically designed for remittances, PayPal offers a convenient option to send money to Nigeria. Recipients can withdraw funds to their local bank accounts or use PayPal for online transactions.

7. Xoom

Xoom, a PayPal service, specializes in international money transfers. With Xoom, you can send money directly to Nigerian bank accounts or for cash pickups. The app provides real-time updates on the transfer status, making it easy to track your transaction.

8. Western Union

As a longstanding and trusted money transfer company, Western Union offers a wide range of options to send money to Nigeria. Users can send funds for bank deposits, cash pickups, or mobile wallets. Western Union has an extensive network of agent locations, ensuring convenient access for recipients.

9. MoneyGram

MoneyGram is another well-established company that provides reliable money transfer services to Nigeria. With MoneyGram, you can send money for bank deposits, cash pickups, or mobile wallets. The app also offers the option to pay bills directly in Nigeria.

10. Flutterwave

Flutterwave is a Nigerian fintech company that offers a secure and efficient way to send money to Nigeria. The app supports bank transfers and mobile money transfers, making it convenient for recipients to access the funds.

11. PaySend

PaySend is a convenient app for sending money to Nigeria, offering competitive rates and fast transfers. The platform supports bank deposits and mobile money transfers, ensuring flexibility for recipients.

12. Wave

Wave is a mobile money platform specifically designed for Africa, including Nigeria. With Wave, you can send money to Nigerian mobile wallets quickly and securely. The app also provides features like bill payments and airtime purchases.

13. WorldFirst

WorldFirst is a trusted platform that specializes in international money transfers. With competitive rates and low fees, WorldFirst is a reliable option for sending money to Nigeria. The app supports bank deposits, ensuring easy access for recipients.

14. OFX

OFX is a popular platform for international money transfers, offering competitive rates and excellent customer service. With OFX, you can send money directly to Nigerian bank accounts, ensuring a secure and efficient transfer process.

15. Wise (formerly TransferWise)

Wise is a well-known platform that provides fast and cost-effective money transfers. With Wise, you can send money to Nigerian bank accounts or mobile wallets, ensuring flexibility for recipients. The app offers real-time exchange rate updates, so you know exactly how much money your recipient will receive.

Conclusion

Sending money from the USA to Nigeria has never been easier, thanks to the emergence of various reliable and user-friendly apps. Whether you prefer bank deposits, cash pickups, or mobile money transfers, the 15 apps mentioned in this article provide convenient and secure options for sending money to Nigeria. 

Thanks for reading. 

FAQs

Can OPay receive money internationally?

No, OPay accounts cannot receive money internationally or accept foreign currencies. Previously, OPay had a partnership with WorldRemit that allowed users to receive money from over 50 countries, including the United States, United Kingdom, and Canada. However, it appears that this partnership has since ended, and OPay accounts can only perform transactions at the local level 

If you are looking to receive international funds in Nigeria, there are alternative options available. Check this article above. 

Does PalmPay accept dollars?

No, PalmPay does not currently accept dollars or any other foreign currencies. PalmPay is a mobile money operator licensed by the Central Bank of Nigeria to carry out financial services in Nigeria. it operates within Nigeria and does not offer cross-border payment services Therefore, you can only use PalmPay to send and receive money in Nigerian Naira.

Which bank owns PalmPay?

PalmPay is not owned by a bank. It is a fintech company that is co-owned by Chinese-based Transsion Holdings and NetEase.

Are you tired of dealing with banks that leave you feeling unsatisfied and unappreciated? Are you a salary earner looking for the best bank to keep your money so that you won’t regret? 

Look no further! We have scoured the Nigerian banking system to bring you the crème de la crème of financial institutions when it comes to salary accounts. So, without wasting much of our time, let’s get started. 

Best Banks for Salary Account in Nigeria

Choosing the right bank to open a salary account is an important decision in Nigeria. There are several banking options available in the country, so it’s important to consider factors like account features, interest rates, customer service, digital banking options and more when deciding. 

1 GTBank

Guaranty Trust Bank or GTBank is one of the top banks for salary accounts in Nigeria. 

Account Features

GTBank offers a robust salary account package called Salary4Life. Key features include free current and debit cards, free ATM withdrawals nationwide, cash-back on utility bills, airtime top ups and purchases. Account holders also get 0.25% interest monthly on balances.

Banking Services

GTBank has one of the largest branch networks in Nigeria with over 300 locations. They also offer 24/7 customer support via phone, email and live chat. Customers can bank via the GTWorld mobile app, USSD, ATMs and internet banking for seamless transactions. 

Reputation 

GTBank consistently ranks high in customer satisfaction surveys. They are known for reliable and efficient services as well as good interest rates on savings.

2. Zenith Bank

Zenith Bank offers competitive salary packages to attract salary earners.

Salary Account Benefits

The Zenith Salary Account comes with zero account maintenance charges, free debit and ATM cards as well as free funds transfer nationwide. Customers also earn 0.25% interest monthly on balances.

Digital Banking 

Zenith Bank has invested heavily in digital transformation. Customers can bank via the mobile app, internet banking platform and USSD code. Services include bills payments, airtime purchase, funds transfer and checking balances remotely.

Nationwide Access

With over 500 branches/cash centres across Nigeria, Zenith Bank provides widespread accessibility. They also have a strong presence in foreign countries like UK, UAE, South Africa etc. making international transactions seamless.

3. UBA

United Bank for Africa or UBA is the pan-African financial powerhouse present in 20 African countries. 

Account Features

The UBA Salary Account comes with a basic current account and debit card at no charge. Customers earn attractive interest rates on their balances daily. Other benefits include free funds transfer, bills payments and free ATM transactions.

Mobile & Digital Banking

UBA’s mobile banking and internet banking platform allow customers to do most transactions remotely via UBA mobile app and website. Services include account opening, bill payments, airtime purchase, loans application etc. 

Global Acceptance 

As a pan-African bank, UBA provides seamless access to accounts across its vast network. Customers can easily transfer or withdraw funds from any UBA branch in Nigeria and abroad.

4. FirstBank

First Bank of Nigeria is one of the oldest banks in the country with over 125 years of operations.

Salary Account Plus 

The Salary Account Plus from FirstBank offers many freebies such as debit card, monthly transfers, bills payments and alert services. It also provides 0.25% interest on current balances.

Wide Branch Network

FirstBank has over 750 business locations/branches all over Nigeria giving widespread access. Customers can bank or get help at any FirstBank branch.

Digital Banking 

Firstmobile and FirstOnline allows account holders to bank virtually via the mobile app, internet, USSD or ATMs. Services range from funds transfer, airtime purchase to bills payment and more.

Conclusion

In summary, the above banks; GTBank, Zenith Bank, UBA, FirstBank – all offer good salary accounts with great benefits, reliable services and widespread accessibility. Prospective customers are advised to evaluate their needs to choose the best suitable bank. Thanks for reading. 

FAQs

What is normal salary account?

A salary account is a type of bank account specifically designed for receiving your monthly salary from your employer. It functions very similarly to a regular savings account but often comes with additional benefits and features targeted towards salaried individuals.

Can I convert normal account to salary account?

Yes, you can convert a normal savings account to a salary account if your employer has a tie-up with the bank for their employees’ salary accounts. 

What do I need to open a salary account?

To open a salary account, you need to meet certain eligibility criteria, which may vary depending on the bank. Generally, you need to be an employee of a company that has a tie-up with the bank for salary accounts. 

You will need to provide an application form, proof of identity and address, and other documents such as PAN card, NIN, voter ID card, driving license, or passport.