Top 10 Mobile Banking Apps In Nigeria

As 2021 draws to its end, we present the rankings of the top 10 mobile banking apps in Nigeria 2021/2022 based on different factors.

When we talk about mobile apps for banking, choosing a bank with a strong app is a big decision. It’s no secret that technology has taken over much of our daily lives.

With almost everything going digital, there is barely any reason to slack off, not even when it comes to our work and financial responsibilities.

We’ve written about the top 10 best banks in Nigeria, you’ll find the number 1 banking app of this year. Who knows if your bank’s mobile app will make this list of the best mobile banking apps covered in this article.

More innovations and creativity have led to more growth and opportunities, which in turn open the door to more innovations and creativity.

The best banking apps have easy-to-use interfaces that make it easy to do the basics: view your account balances, deposit checks, and contact customer support.

Most big banking institutions have apps you can download in the Apple or Google Play store. You’ll create a username or password.

Here are our top 10 mobile  banking apps in 2021

Top 10 Best Mobile Banking Apps 2021/2022

Top 10 Best Mobile Banking Apps In Nigeria 2021/2022
#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

GTWorld stands as one of the mobile banking apps in Nigeria. So, it’s no surprise that the bank focuses on offering the best mobile banking experience it can.

Mobile banking apps In Nigeria - GT World

The GTBank mobile app gives you the freedom to carry your bank everywhere you go.

You can manage your account at the comfort of your home or office. With a well-designed user interface, you can carry out any banking transaction you wish to carry out.

With GTWorld, you have a Mobile App that is designed to cater to all that’s important to you seamlessly. GTWorld also adapts to how you love to bank.

It leaves it all to you to decide how you want to complete all your banking transactions: with your fingerprint, your face or any four digits of your choice.

If you run a business, GTWorld is also for you. It offers you access to GAPS, their robust online banking platform for businesses, which lets you monitor and complete all your business transactions from anywhere in the world.

GTWorld app has over 1 million downloads on Google Play and a 4.1 rating. It is however available on both Google Play and Apple Store.

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

Access bank Mobile app  fits well in this list of top mobile banking apps. This app works with most Apple and Android mobile devices.

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. (By the way, you need to be signed up for Online Banking services before you can use the Mobile App.)

Transactions like money transfer, paying bills, purchasing of airtime for yourself or another person.

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

The app has a rating of 4.1 on Google Play and already has over one million downloads. You can download it on Google Play or Apple Store.

Download on 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 their customers need where by all banking transactions will be carried out online [Kuda Mobile App] without having to visit a physical branch.

The bank’s deposit 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 about this app.

The app currently has over 2million 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 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

FCMB Mobile App also stepped into mobile banking apps. Users of FCMB Mobile App can fulfill all their business and personal financial obligations fast and easily from anywhere and anytime.

The interface has simple, secure features and layout that helps with easy navigation. FCMB Mobile app is a tool provided by one of Nigeria’s leading commercial banks, First City Monument Bank.

They currently have countless branches providing services to millions of customers around the country.

They were voted “The Most Customer Friendly Bank” in Nigeria in 2015. The FCMB mobile app allows users to make payments for food and tickets, make transfers, open new accounts, do QR and Cardless operations, and lots more

The app currently has over 500,000 downloads on Google Play and a 4.1 rating. Download here on Google Play or Apple Store.

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

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)

With these banking apps I’ve listed, you’ll really find it easy to have a bank account and also make payments, send and receive money in Nigeria without going through stress, everything is easy with digital bank apps.

That’s it on top mobile banking apps in Nigeria. Too busy to do your banking in person? Just phone it in.

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Inquisitive, that word describes me so much. I always want to know. Writing is my routine and my therapy. If I'm not cooking, I've probably got my nose in a book.