Which are the top 10 Mobile Banking Apps in Nigeria?
As a literate, you will agree with me that mobile banking apps in Nigeria are a necessity on your smart devices, isn’t it?
With just your singlet and boxers, you can perform numerous and sensitive tasks within twinkle of an eye from the corner of your room.
It saves you from the stress of queuing at the bank and even at the dead of the night; you can quickly process many transactions on your own.
Although there seems to be none amidst the mobile banking apps in Nigeria with 100% performance, these apps can be really helpful.
The Top 10 Mobile Banking Apps In Nigeria 2019
Below are the top 10 online banking applications used by Nigerians, for their quality of services, features, and more..
GTBank mobile App
As the best bank in Nigeria and in Africa at large with few branches, it is not surprising that GTB mobile app is one of the best mobile banking apps in Nigeria with numerous and great features.
You can easily make transfer, buy airtime even without logging in, purchase data bundles, make school or church payments, manage your credit or debit card, request for account statement, confirm or even stop cheques.
You can also make payments for various distributors, airline tickets, cinema tickets and many more. In short, all the options made available on the app functions well unlike some other apps.
Although this mobile banking app is dependable, constant improvement is highly needed as users complain about the tedious process of registration and the inefficiency of the new version 126.96.36.199.
Sometimes it is said to freeze and it might not even allow you to transfer money to any banks, including GTB.
However, the developers seem to be in control as they respond quickly to complaints. It has more than one million downloads with 3.9 ratings on play store.
UBA Mobile Banking App
This is one of the very fast mobile banking apps in Nigeria. The app allows you to log in within few seconds into a nice interface where major operations can be carried out.
Some of the functions include transfer of funds including foreign currency to all UBA accounts in Africa and other accounts, easy access to your BVN and even getting tickets to view your favorite movies.
It also helps to locate the nearest branch or ATM, gives you automatic alert of recurrent bills and you can easily have a live chat with customer service support.
It is good to know that the developers are highly responsive as the new update poses various challenges to the users. It has more than 1 million downloads and it is rated 4.1 on play store.
This very app has more than 1 million downloads and it is rated 4.0 on play store.
The uniqueness lies with the fact that it is one of the easiest mobile banking apps in Nigeria. Without assistance, an elderly person can readily make good use of the app.
Its major functions include transferring money to any bank account, buying airtime, and making digital payment.
It is also possible to confirm or stop cheque, save beneficiary account number, generate receipt and even disable advert on the app.
Although booking a flight is one of the options on the mobile app, it is not visible as it usually brings request processing error.
Users also complain bitterly about some of its inefficiencies especially when it was updated from version 188.8.131.52 to version 184.108.40.206.
It seems the new version is counterproductive based on the reviews from its users and the developers are not helping the situation as they are unresponsive to people’s complaints.
In fact, as of the time of writing this, it is advisable not to update if possible or return to the old version if you face similar issue on the mobile app.
Zenith Bank Mobile App
This is one of a few mobile banking apps in Nigeria which recognizes finger print sensor. This makes mobile banking easier as you won’t have to be typing your passwords over and over again.
It provides major feature of mobile banking such as making transfers, buying airtime & data bundles, branch locator, bills payment and digital payment.
It can also be used to confirm or block ATM cards, manage cheque books and even get bank statement.
The interface for the new version is dope but users complain of constant stopping and crashing or not even opening at all.
The reviews shows that the developers are responding well, we hope they resolve the issues on time. It has more than 1 million downloads and it is rated 3.9 on play store.
Union mobile app also provides major mobile banking function such as fund transfer, bills payment and airtime purchase.
It also helps to manage beneficiary’s details and you can easily view your transaction history.
Amidst all mobile banking apps in Nigeria, union mobile gives weather forecast and you can upload your picture on your profile. That is a plus!
However, the font used on the app is too small and tiny. Asides that, users complain of updating too often which literally causes issues on the app. The developers seem to be in control as they are willing to improve on their lapses.
This app has more than 500,000 downloads and it is rated 4.2 on the play store.
More Online Banking Apps in Nigeria
The list of the top online banking apps in Nigeria continues with:
Access Bank Mobile App
This is one of the smart mobile banking apps in Nigeria as it provides all the basic functions of a mobile app.
It helps to transfer, manage cheque, locate nearest bank or ATM branches, purchase airtime, pays bills and of note is that you can apply and pay for Dubai Visa on this app.
Just like other apps, there are various complaints with respect to the app especially after it merged with Diamond bank.
Users complained of failed transactions and difficulty logging in. Besides, the developers are not helping the situation as they are unresponsive to people’s complaints.
This mobile app is rated 4.1 on the play store and it has more than 1 million downloads.
FCMB New Mobile
FCMB new mobile is a user friendly app with one of the most beautiful interface amidst all the mobile banking apps in Nigeria.
It is rated 4.2 with more than 100, 000 downloads. It offers major functions of a mobile app and it works well to a reasonable extent.
However, users complained of not signing out automatically after a long period of idle time and you enjoy the full package of the app only when you have an ATM card.
Just like others, the new update poses several challenges to users.
Stanbic IBTC Mobile App
This is one of the most interesting mobile banking apps in Nigeria. Why you may ask? It goes extra mile.
Asides the general mobile banking functions of transferring and co, Stanbic IBTC mobile app allows you to manage your mutual fund investment and pensions without going to the bank.
You can also access all the functions of the mobile app without having an ATM card on the account, and buy airtime in Naira on your roaming line when you are outside the country.
You can also validate with finger print, take a selfie and use as your profile picture on the app, locate the nearest branch, In short it gets you covered for all your financial services.
However, of what value will all these functions be if some users find it very difficult to log in?
Another but is that the new update just like other apps poses several challenges. It will be nice if the developers make extensive improvement and not just apologize.
It has more than 500, 000 downloads and it is rated 4.1 by its users.
This is one of the very easy and simple mobile banking apps in Nigeria.
Heritage bank mobile app reminds me of the saying that it is better to eat your vegetable with peace than a fattened bull with stress and agony.
Although this app offers the basic functions of a mobile app with no extra, it performs it swiftly and efficiently. You can transfer funds, pay bills, contact your local branch and easily view your transaction history.
It has more than 100,000 downloads and it is rated 4.5 on play store.
Ecobank Mobile Banking
This is one of a few mobile banking apps in Nigeria that affords you the opportunity to open a functional bank account without having your presence at the bank.
It allows you to transfer funds to any account including the 33 African countries, purchase airtime, pay bills, manage credit card and cheque and it also helps you locate the nearest branch or ATM.
Nonetheless, many users complained of difficulty in activating or logging in and when transaction processing is compared to snail movement, users review shows that the snail is faster. I’m sure you know what that means. Sometimes, it takes forever to process and load.
It has more than one million downloads and its rated 3.6 on the play store.
Concluding Notes on Top Mobile Banking Apps In Nigeria
An adage in Yoruba says the head cannot stay without shaking. That exactly explains the downsides of mobile banking apps in Nigeria.
Just that when the head shakes too much it becomes a challenge. There seems to be no perfect mobile banking app in Nigeria.
One way or the other, you meet a stumbling block. However, when it becomes too much it gets frustrating.
Some of these banks try to impress their customers but in the process it flops. Often times, a mobile banking app in Nigeria that works well suddenly becomes a night mare after it gets updated or a new version is introduced.
Since mobile banking apps are meant to make banking easier and convenient from your place of comfort, constant effort should be put in place to make improvements on these apps.