Do you have to visit the bank to obtain an online banking app? There are 3 ways through which you can fund without even going to the bank such as by website, mobile app, or USSD code method.
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According to Wikipedia: Online banking, also known as Internet banking, virtual banking, web banking, or e-banking is a system that enables users or other financial institutions to conduct a range of financial transactions through the financial institution’s website or mobile app.
Internet banking provides personal and corporate banking services offering features such as making electronic payments, viewing account balances, obtaining statements, checking recent transactions, and transferring money between accounts. It allows you to access your accounts and make transactions from any location that has an internet connection.
To use online banking, you need an Internet connection and a device, such as a computer or mobile phone. You might also need your bank card, debit card, or account number and routing number. You have to register your account, which will require you to set a password.
You need to know your User ID and password to log into your internet banking account. This User ID is different from your bank account number, which serves as the primary identity of your bank account. You have to request your bank to generate a User ID and password. Let’s move over to the benefit of using online banking as a means of transaction.
Top Online Banking Apps In Nigeria
Here are the list of all mobile banking apps in Nigeria that are used by people
- UBA Mobile App
- FirstMobile
- UBA Mobile Banking
- Zenith Bank Mobile App
- Kuda – Money App for Africans
- OPay
- Access Bank Plc
- FCMB NEW MOBILE
- Sterling OneBank
- GTWorld SL
- Swift naira — Easy Loan APP
- (KeyMobile)
- Access More
- FirstBank Mobile Banking
- Ecobank Mobile App
- FirstBank Digital Banking App
- V by VFD
- ALAT
- Stanbic IBTC Mobile App
- UnionMobile
- Fidelity Online Banking
- Stanbic IBTC Mobile Nigeria
- Keystone Bank Mobile Banking
- MyTAJ
- Ecobank Online
- Jaiz Mobile Plus
Benefits Of Online Banking App
- It helps check balances on accounts and view records of your transactions.
- Pay bills automatically each month with easy-to-set-up auto payment.
- Transfer funds between accounts.
- Lower fees or no fees
- Download or print statements for your tax or personal records.
- Access your account 24/7.
List Of Mobile Banking Apps In Nigeria
GT World
Guaranty Trust Bank plc was incorporated as a limited liability company licensed to provide commercial and other banking services to the Nigerian public in 1990. The Bank commenced operations in February 1991 and has since then grown to become one of the most respected and service-focused banks in Nigeria.
GTBank launched GTWorld, Nigeria’s first fully biometric mobile banking app capable of processing digital transactions, in May 2017.
GTBank has a mobile app called “GTWorld App” It allows users to open an account, transfer money, pay bills, buy airtime or data, apply for loans, send Account Statements to your email or an embassy of your choice, and so on.
If you have a mobile device, you can download and install the GT Banking app from the Google Play Store or Apple App Store.
Access Bank Mobile App
Access Bank plc, commonly known as “Access Bank“, is a Nigerian multinational commercial bank, owned by Access Bank Group.
Access Bank is a leading full-service commercial bank operating through a network of more than 700 branches and service outlets, spanning 3 continents, 17 markets, and 52 million customers.
They have a mobile app called “Access More Mobile Service” a new mobile payment app that helps users (You) to perform simple, secure, and instant financial transactions using a mobile phone on any mobile network.
It allows users to perform all these activities such as transfers to accounts in the Bank, transfers to accounts in other banks, bill Payments, cable TV(GOTV, DSTV, and Startime decoder), airtime, power, requests for Cheques, confirm cheques, cancel and stop cheques, locate Access Bank branches and ATMs and much more.
If you have a mobile device, you can download and install the Access More Mobile app from the Google Play Store or Apple App Store.
First Mobile App
First Bank of Nigeria Limited “FirstBank“, established in 1894, is the premier Bank in West Africa, Nigeria’s number one bank brand, and the leading financial services solutions provider in Nigeria.
First Bank of Nigeria has a mobile app called “First Mobile” which is the official mobile banking app. It provides convenient access to all financial transactions.
It allows users to perform all these activities such as deposit a check from your phone, Move funds easily between First Bank accounts or from external accounts, stop payment on a check, find a nearby First Bank branch or ATM and get directions, and manage your accounts, settings, and security.
If you have a mobile device, you can download and install the First Mobile app from the Google Play Store or Apple App Store.
Kuda Bank App
Kuda Bank has a microfinance banking license from the Central Bank of Nigeria. It is a digital banking service, including direct debits and local transfers, to diasporan Nigerians.
You can save, invest, buy airtime, and make free transfers with this money app for Africans. You can download and install Kuda Bank App from the Google Play Store. It has a small size of 26 MB and over 5 million downloads. It currently has a review rating of 4.4 from over 163,000 users.
If you have a mobile device, you can download and install the Kuda Money app from the Google Play Store or Apple App Store.
Alat by Wema Bank
ALAT was launched on May 2, 2017, by the widely known Wema Bank Plc, and is a virtual dollar card for online payments. It has a small size of 11 MB and over 1 million downloads. It currently has a review rating of 3.8 from over 28,000 users.
It allows users to perform all these activities such as free bank card delivery anywhere in Nigeria, no need to visit a bank to open an account, schedule transfers, apply for loan and bill payments, control your bank card from your phone and it works with all Nigerian bank cards.
If you have a mobile device, you can download and install the ALAT By WEMA mobile app from the Google Play Store or Apple App Store.
FCMB Mobile App
First City Monument Bank in Nigeria, also known as FCMB, is a full-service banking group that offers a comprehensive range of retail, corporate and investment banking services.
It allows users to perform all these activities: manage your FCMB personal and business accounts, control your bank cards and entire accounts without visiting a branch office.
If you have a mobile device, you can download and install the FCMB NEW Mobile app from the Google Play Store or Apple App Store. It has a small size of 34 MB and over 1 million downloads. It currently has a review rating of 3.7 from over 14,000 users.
Zenith Bank App
It allows users to perform all these activities such as manage your finances, make card settlements, transfer funds, make payments using QR codes, and easy payments of bills, amongst others.
If you have a mobile device, you can download and install the Zenith Bank Mobile App from the Google Play Store or Apple App Store. It has a size of 102 MB and over 5 million downloads. It currently has a review rating of 3.4 from over 36,000 users.
UBA Mobile App
This is the official Mobile Banking App of the United Bank for Africa. It allows users to access enhanced mobile banking experiences.
It allows users to perform all these activities: manage accounts, send money, top-up airtime, schedule your bills, save for your goals, and much more.
If you have a mobile device, you can download and install the UBA Mobile Banking from the Google Play Store or Apple App Store. It has a small size of 23 MB and over 5 million downloads. It currently has a review rating of 4.0 from over 107,000 users.
Ecobank Mobile app
Ecobank Group is a full-service banking group focused on Middle Africa. It provides wholesale, retail, investment and transactional banking services to individuals, small and medium-sized enterprises (SMEs), local corporates, multinationals, governments, and financial institutions.
It allows users to perform all these activities: manage accounts, send money, make payments, and get help from any of the 33 African countries where Ecobank is present.
If you have a mobile device, you can download and install the EcoBank Mobile App from the Google Play Store or Apple App Store. It has a size of 75 MB and over 5 million downloads. It currently has a review rating of 3.4 from over 39,000 users.
Sterling Bank (One Bank) App
Sterling Bank Plc, which is a full-service national commercial bank is licensed by the Central Bank of Nigeria and provides services to individuals, small businesses (SMEs), and large corporations.
It allows users to perform all these activities: register and bank instantly and you can make payments, transfer, buy airtime & data, and e-Bills payment such as Water Bill, Electricity Bill, etc.
If you have a mobile device, you can download and install the Sterling OneBank from the Google Play Store or Apple App Store. It has a small size of 48 MB and over 500,000 downloads. It currently has a review rating of 3.5 from over 9,000 users.
Best Mobile Bank In Nigeria
Kuda Bank
Kuda is a simplified banking platform that allows many of the under-listed features
- Allows you to recharge your mobile phone, transfer money, receive money, and check your balance just like any commercial bank.
- Offer debit cards to your doorstep for free once you apply for them.
- No card maintenance fee is charged.
- Allows 25 transfers free of charge monthly before charging #10 per transaction.
- Renders loan services or overdrafts at an interest rate of 0.3% daily.
- There are no fees attached to the withdrawal
- You can also earn #200 for every person you refer to the app.
- Kuda saving plans receive 15% interest yearly.
- It gives short-term loans.
If you have a mobile device, you can download and install from the Google Play Store or Apple App Store.
V bank
V bank is one of the best digital banks. It was created in April 2021 and is owned by VFD Microfinance Bank, but has gained over 250,000 customers. V bank performs all kinds of transactions with no charges attached.
Its features include:
- It performs cardless withdrawals with its 3.0 version.
- Save with the V target savings alternative.
- You can receive instant loans
- 14% interest on every deposit on the fixed deposit account.
- Own a joint account
If you have a mobile device, you can download and install from the Google Play Store or Apple App Store.
Sparkle
Sparkle Microfinance Bank is licensed by the Central Bank of Nigeria (CBN). All deposits are insured by the Nigerian Deposit Insurance Corporation (NDIC). Its features include:
- It helps you save up cash by taking a percentage off all your debit transactions, or saving together with a group of other Sparklers.
- It allows you to earn 3.75% per annum interest rates if you have a minimum amount of ₦100,000.
- Your virtual and physical cards you can use for both physical and online shopping.
- It help companies with management operations like access inventory, invoice tools, taxation, and payroll tools using the app or website.
If you have a mobile device, you can download and install from the Google Play Store or Apple App Store.
Mint
Mint “Mintyn” Online Bank is a licensed Digital Product of Finex Microfinance Bank LTD and licensed by the Central Bank of Nigeria.
We offer Personal and Business Current Accounts, Mutual Fund Investments, and Business Registration with the Corporate Affairs Commission (CAC). You don’t have to be scared of your deposits because they are insured by the National Deposit Insurance Corporation ( NDIC ).
Its features include:
- No bank or card maintenance fee
- No charges are attached to transactions.
- Payments and transfers can be scheduled.
- Allow you to set spending limits with a personalized money tracker.
- Gives instant loans to customers who have used the bank as their salary account for more than two months.
- It create and lock virtual cards.
- Own a current account with at least #2000
- Allows you to invest too; #5000 can get you 30.5% interest annually.
If you have a mobile device, you can download and install from the Google Play Store or Apple App Store.
Rubies
Rubies MFB is a fully digital banking platform, that offers zero-fee banking targeted at millennials, young professionals, SMEs, quasi-financial institutions, and FINTECH companies. Rubies bring new concepts to Banking Technology, Marketing, engagements powered by Cloud Technology, AI, and analytics.
It has zero service charges for transactions within the same bank but a #10 service charge for interbank transfers and also can easily send, invest, and save with rubies gives you 20% interest, and receives money using the money request features.
Rubies Bank gives a debit naira card for ATMs and transactions and a virtual dollar card for online transactions and payment. If you have a mobile device, you can download and install from the Google Play Store or Apple App Store.
Eyowo
Eyowo Bank was launched in Lagos, Nigeria in 2019. Its features are that lets you send, receive, save, spend, and borrow money using only a phone number. Its features include
- Zero-interest loans.
- It Issues virtual cards.
- To access Eyowo, you can use their website www.eyowo.com, mobile app, USSD code *4255#
If you have a mobile device, you can download and install from the Google Play Store or Apple App Store.
Fundall
Fundall Bank is registered with the Cooperate Affairs Commission of Nigeria. It helps people build wealth and businesses and also allows users to send and receive money, get loans, and even buy online things.
Its features include:
- Open an account with zero balance.
- Manage finance properly
- Save properly
- Schedule bill payments
- Completely secured by professionally managed
- Earn bonus per transaction.
- Get insurance and manage your money with spending analytics.
- You can generally do all banking transactions with no hidden fees.
If you have a mobile device, you can download and install from the Google Play Store or Apple App Store.
goMoney
goMoney is a digital financial service product, developed by Go Financial Services Ltd through a collaboration with Sterling Bank Plc.
Sterling is a financial institution registered in Nigeria and is the issuer of all banking products offered on the goMoney app. goMoney bank is highly secured and insured by the NDIC.
Its features include:
- Control your cards: You can freeze and unfreeze your cards quickly and securely.
- You can also block existing cards and order new ones from within your goMoney app.
- Debit cards powered by master cards are issued to customers on application.
- Give regular reports on transactions and deliver a comprehensive account statement
- Payments are simplified by making available payment requests, and reminders, and enabling the sharing of payment receipts.
If you have a mobile device, you can download and install from the Google Play Store or Apple App Store. Don’t forget to like, share and comment on this post. Thanks.
