Top 10 Best Mobile Banking Apps In Nigeria 2023 [Fastest!]

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Top 10 Mobile Banking Apps In Nigeria

2023 is here, and I’m sure you’ll want to know the best mobile banking apps in Nigeria that are the least likely to cause you any anxiety. Call it digital banking, online banking, or mobile banking, technology and AI has made the world a better place.

As we reach the second half of the year, the arguments here and there about the best banking apps is still on. In fact, lot of people have trouble using online banking applications. Some people have had to wait for transactions to go through after the payer sent verification of the successful transfer. In other instances, there were many transaction errors and no alerts or email notifications.

However, some of the top 10 best banks in Nigeria didn’t fall our hands. Well, we all should have a say about which bank should have its app listed as one of the best mobile banking apps in Nigeria.

girl using mobile banking app

The best banking apps make it easy to do things like view your account balance, make a deposit, or get in touch with support. No doubt, traditional banks that have made names over the years have now been pushed aside as the emergence of more fintech companies is making the competition to be extremely tough.

Most of the major banks have mobile banking apps available in the App Store and Google Play. You will generate a user ID and password.

One thing is certain, we’ll all have different opinions about this matter. So, after going through this list, let’s have your opinion in the comment section below, with reasons why an app listed here should, or shouldn’t make this list. Fair enough? Let’s get started.

Here are our top 10 best mobile banking apps in 2023

Top 10 Best Mobile Banking Apps 2023

Top 10 Best Mobile and Digital Banking Apps In Nigeria 2023
#1Kuda Bank App
#2Opay App
#3GT World
#4Access Bank Mobile App
#5First Bank Mobile App
#6VFHD
#7Alat by Wema Bank
#8FCMB Mobile App
#9Zenith Bank App
#10UBA 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.

Best online banking apps in nigeria - KUDA

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 the top 10 best mobile banking apps in Nigeria.

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.

Related: Which betting sites are the best in Nigeria?

3. GTWorld

Mobile banking apps In Nigeria - GT World

Given the scarcity of brick-and-mortar banking institutions in Nigeria, the GTBank 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 GTWorld mobile app has everything you could possibly want in one place. You can request that GTWorld 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 GTWorld 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.

Let’s be factual still, GTB did stress their customers with late transaction processing towards the end of last year. In fact, many people had to call customer care for session I.D. Could this hiccup be caused by high volume of transactions towards the festive period?

Still, A 4.1-star rating on Google Play indicates that the GTWorld app has been downloaded over a million times. You can, however, get it from the App Store or Google Play.

The Guaranty Trust Bank app, GTWorld, can be downloaded from the Google Play Store or the Apple App Store, respectively.

Visit the official website of Guaranty trust bank or to download GTWorld app or visit Google Play Store or the the Apple App Store for iOS devices.

Related: Top 10 Best loan apps in Nigeria

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.

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6. V Bank by VFHD

VBank by VFD (Virtual Bank by VFD) is a mobile banking app provided by VFD Microfinance Bank, a licensed financial institution in Nigeria. The VBank 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: VBank 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: VBank 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: VBank 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 VBank, users can transfer funds between VBank 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: VBank 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: VBank 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 VBank account.
  • Customer Support and Assistance: VBank ensures customer support through its app, providing users with the ability to contact the bank for inquiries, assistance, or issue resolution.

VBank aims to provide a seamless and secure digital banking experience, empowering users to manage their finances conveniently from their mobile devices. By leveraging technology, VBank aims to bridge the gap between traditional banking and the evolving digital landscape, offering a range of services to meet the diverse financial needs of its customers.

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.

In addition, you can track your savings goals, which helps you control your finances and make better financial decisions.

You can also enjoy our increased interest rates for your savings and domiciliary accounts.

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.

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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

Zenith Bank app is one of the best mobile banking apps in Nigeria. It is designed to help customers find their way around the app. With this app, you can manage your account.

Check balance, make transfers, pay bills, and lots more. You can also use it to make QR payments, activate and deactivate your card.

To tell you how significant the app is, it has over one million downloads already on the Play store. Though, the app also has some flaws.

Some customers complained about the difficulty in logging in, which the bank fixed as soon as they saw the update from their customers

Download on Android and iOS

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10. UBA Banking App

Best mobile banking apps in Nigeria - UBA app

The mobile banking app for UBA is one of the best mobile banking apps in Nigeria. Unlike others that take forever to log in, the UBA app helps customers login in split second.

It also supports biometric options on phones that have these features. You can switch between day and night modes if you wish to.

The app allows you to make transfers with ease, request a statement, review your account, and lots more. You can also chat live with their customer care service.

Whenever you have any problems just chat them up directly from the app. And you will have your issues resolved. UBA banking app has over 23,000 downloads and  a rating of 4.0 on Google Play store.

Download on Android and iOS.

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Mobile Banking Apps In Nigeria (Summary)

Banking apps like the ones I’ve listed make it simple to open a bank account, make payments, send and receive funds, and generally simplify your financial life in Nigeria.

Okay, that wraps up my analysis of the best Nigerian mobile banking apps. Always too pressed for time to visit a physical branch? The easiest solution is to call in sick.

Now, what’s your opinion? Don’t forget to click the like, comment, and share buttons!

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