Top 10 Best Mobile Banking Apps In Nigeria 2023

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.

Towards the ending of last year, there has been arguments here and there about the best banking apps that stood the test of time among bank customers.

A lot of people had trouble using banking applications. Some people 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.

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However, some of the top 10 best banks in Nigeria didn’t fall our hands. Well, as we’ve begun another year, 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.

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

1. 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.

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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

2. 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

3. 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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4. Kuda Bank

This mobile banking app is one of the popular online digital banks in Nigeria. It was founded by Babs ogundeyi and Mustapha Musty in 2016 known as Kudimoney.

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.

5. 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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6. 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.

7. 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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8. 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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9. Opay App

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.

10. One Bank

Another must-have on this list of mobile banking apps is One Bank. One bank a 100% digital banking app brought to you by Sterling bank.

One Bank is designed with exciting features which offer users the freedom to bank without limits. The app’s clean and user-friendly interface allows users to easily navigate the app with no hassle.

It also comes with fingerprint authentication – biometrics-based security that has proven to be more secure and convenient than passwords.

Taking security up a notch, users have the option to hide their account balance on the app.

Additionally, the One Bank app offers the latest market news to help users make the best investment decisions from the comfort of their living room.

Through Doubble, an investment product on the app, users can pick from a wide range of investment plans that suit their pockets and specific needs.

For instance, users can embark on targeted investment plans for specific future projects or begin making investments in foreign currency.

Also, users can easily send money to family and friends across the world with the option to view forex rates before every transaction.

Those who enjoy shopping online aren’t left out as the app allows users to make online payments safely and securely through a virtual card.

Virtual cards protect their information online and limit their exposure to individual merchants. You can become a ‘One Customer’ with just a few clicks of a button.

Likewise, users can pay light bills, cable and internet bills, water bills, etc., easily on the app. Other benefits of the app include cashless withdrawal, loan application, airtime top-up and so much more.

All available features are easy to use and channeled towards meeting customers’ needs with no security issues.

The app has over 10,000 downloads on Google Play and a 3.7 rating., and you can download it on Google Play or Apple Store.

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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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