Home Finance Which Banks Has The Best Mobile App and Online Banking in Nigeria?

Which Banks Has The Best Mobile App and Online Banking in Nigeria?

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.

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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. 


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.

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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.


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. 


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. 


  1. Your point of view caught my eye and was very interesting. Thanks. I have a question for you.

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