These are the best Nigerian mobile banking apps of 2022…
Most banks in Nigeria have apps that customers use to carry out financial transactions on their iPhone or Android devices. It is a big deal today in today’s tech-savvy world. Nigerians can now use bank apps to make payments anywhere — pay for utility bills, recharge their phones, send money, report fraudulent activities on their account, request new ATM cards/checkbooks, etc.
Though a lot of times, customers complain that some bank apps in Nigeria are riddled with bugs, bad user interface, and poor networks. This has caused some customers to shut their accounts in these banks and look for somewhere else where they’d get better mobile banking service.
So to make it easy, we will review and rank the bank app, which is great for mobile banking services in Nigeria, from top to bottom.
Best Bank App in Nigeria
Zenith Bank App
This bank did not win ‘Best Digital Bank in Nigeria 2019‘ for no reason. The bank has done its utmost best and is still improving in providing efficient mobile banking services. The Zenith bank app currently has more than 1 million downloads, and in recent times, it has been able to satisfy users. Some of the most mentioned comment on the bank app review page is ‘easy to use,’ ‘helpful,’ ‘best banking app’ and ‘nice user interface.’
A customer named ‘James’ commented thus:
Sincerely, this is one of the best banking apps on this platform. It has been a wonderful experience using this platform. One thing I love about it is that one can set his/her transfer limit in a day to any amount he wishes. In addition, it is easy to use and understand. I’ll give this a 100 stars
Though the bank app is not devoid of one or two technical hitches, the positive feedback has been overwhelming.
UBA Mobile Banking
Though constantly undergoing some improvement, it has managed to live up to its customer’s expectations. Though few customers still complain about its functionality. By Nigerian standards, it is a quality banking app. It has a 4.3/5 rating on Google Playstore, and about 70% of its rating are five stars. The most mentioned words in its review are ‘easy to use,’ ‘helpful,’ ‘beautiful user interface’, ‘excellent services’ and ‘good experience.’
Read: Zenith Bank Recruitment 2020
GTworld
The Guarantee Trust Bank mobile app ‘GTworld’ is Nigeria’s 2nd trending financial app. It has a rating of 4.2/5 and has constantly evolved to become a favorite with over a million downloads. The app is highly efficient and easy to use when the network is great.
Access Bank App
With over a million downloads and a huge customer base, Access bank’s mobile app has met customers’ expectations. The app has a rating of 4.0/5. The app constantly upgrades to meet costumer’s demands.
Related: Access Bank WhatsApp Banking: Check Balance, Transfer, Buy Airtime and Pay Bills
UnionMobile
Though grossly underrated, Union Bank app has the cleanest bank interface in Nigeria. It allows you to do banking service seamlessly. The app currently has a rating of 4.0/5 and has over 500,000 downloads.
Sterling OnePay
Another underrated bank app. Sterling OnePay is Sterling Bank’s mobile banking app and has a lot of functionalities. However, the app has struggled to live up to its hype. It has won a lot of accolades for its responsiveness.
Related: Sterling Bank WhatsApp Banking: Activation Guide, Features and FAQS
FCMB Mobile Plus
First City Monument Bank stormed the banking scene with its easy mobile banking app. Though the bank is not known for its huge customer base, it has managed to hold its own when it comes to mobile banking and internet banking. The bank is currently upgrading its mobile app, though.
Read: Getting Started With FCMB Internet And Mobile Banking
Fidelity Online Banking
Though often erroneously thought of as a second-rated bank, Fidelity bank has been a major player in the Nigerian Banking scene since 1988. Their mobile bank app has over a million downloads. The app doesn’t just offer you the ability to conveniently make payments. It is highly secured too. Though some bugs have lowered its effectiveness, it still offers seamless service.
Notable mentions:
- First Mobile
- SC Mobile Nigeria
- Ecobank Mobile App
- Polaris Mobile
Benefits of Mobile Apps
Accessing the bank 24/7
Mobile banking, unlike a bank office, allows users to manage their account at any time – with a few restrictions, such as scheduled maintenance upgrades and unexpected downtime.
This convenience saves you time. For instance, digital check deposit, which is available in most banking apps, lets you transfer cash while on the move or at your convenience.
Enhanced security
Banks are responsible for safeguarding your assets, which includes mobile app transactions. If you’re worried about mobile banking security, there are steps you can take to increase security protection.
To login a mobile app, banking institutions usually require a username and password, as well as extra security safeguards to protect your account. Authentication process, for instance, requires no less than two types of verification to confirm that it’s really you. The account credentials (your username and password) come first, followed by a text message with an otp code that must be entered to gain access to the account.
Offer additional controls
When it comes to managing your money, consider your banking app as a remote. The app allows you to send money to anyone at any time.
Some bank apps, for instance, allow you to activate a new credit or debit card.