Top 10 Best Mobile Internet Banking Apps In Nigeria

Banking today is drifting away from the old tradition of going the bank for every damn transaction. Technology has made it possible that from the comfort of your room, you can perform even complex transactions. Mobile Banking and other banking systems have brought important turnarounds in the financial industry.

Be that as it may, customers usually do not have the same experience across these banking systems, especially on the banking mobile app. Some give a better experience than others. In this article, we shall be going through the top 10 best mobile internet banking apps in Nigeria.

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UBA is a Pan-African bank that is so popular. It is one of the many banks in Nigeria that has a lot of customers. They are able to reach the most remote part of every society.

UBA Mobile Banking is, therefore, one of the best-rated mobile banking apps in Nigeria. On the app, you can send and receive money, buy airtime, play games (bet), pay utility bills, perform cardless withdrawals and also perform some international transactions. You can also perform some other operations not listed here with the app.

UBA Mobile Banking app is rated 4.1 on Google play store and it also has over 1 million downloads.


Having been in operation since 1894 with over 10 million customers, First Bank has made tremendous landmarks in the Nigerian banking industry. First Mobile is the name given to the mobile banking app of the top-rated Nigerian Bank, First Bank. This app allows customers to perform so many banking operations.

You can manage all your accounts with the bank with just one app and you will be able to pay bills, buy airtime, control cheque services and manage lifestyle expenses.

The app is rated 4.2 on Google Play and like other mobile banking apps, it has over 1 million downloads in the Google store.


Zenith Bank Mobile app is another brilliantly-innovated banking mobile app in Nigeria that is worth mentioning. Of course, it is not because it is developed by one of the top banks in Nigeria, but because reviews have revealed the quality of the app.

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With the Zenith Bank’s mobile app, you can manage your accounts, check your BVN, manage your cards, subscribe to your cable TV, and take care of travel and leisure expenses. You can also use it to top-up your mobile number and perform some other pretty transactions.

It is rated 4.1 on Google Play and has 1 million-plus download on the store.


Access Bank which has now acquired Diamond Bank has one the best mobile banking applications one can think of in Nigeria. The app has so many positive reviews and a lot of services can be accessed via the mobile app.

You can transfer funds, buy airtime and pay bills, take care of lifestyle and travel bills, access the customer service, manage your cards and cheques and do cardless withdrawal at ATMs. You can also perform other operations not listed here.

The app has over 1 million downloads on Google Play and it is rated 4.1 from reviews from over 15,000 users.


It may not be surprising to list GTB mobile app as one of the best in Nigeria since the bank in question is one the best in the country.

With this mobile banking app, you can transfer funds, purchase airtime and data bundles, manage your debit card and pay so many utility bills. You can also subscribe to your television decoder with this app,  you can also request a statement of account, pay for travel tickets and perform so many other transactions.

The app is currently rated 3.8 on Google Play, which says it is not totally perfect. Nonetheless, it has over one million downloads.


Stanbic IBTC Bank is undoubtedly a top-notch bank in Nigeria, operating with the latest technologies in the Nigerian banking and finance industry. The bank which was founded in February 1989 is a member of the Standard Bank Group.

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Therefore, they have one of the best-rated mobile banking apps in Nigeria. On the Stanbic IBTC Bank mobile banking app, you can manage all the accounts you have with the bank, pay bills, buy airtime, transfer funds and also perform some other necessary banking operations.

Although it is rated 4.0 on Google Play, the app like others did not fail to have little flaws. So many people have issues with accessing their account with the app, but it is definitely an issue that can be settled with the bank.


FCMB meaning First City Monument Bank is one of the leading commercial banks in Nigeria with customers reading millions in number. The bank holds an award of the most business-friendly bank and they also have one of the best mobile banking apps in Nigeria.

FCMB New Mobile, as it is named has a very simple interface that allows users easily access the services available via the platform. You can open new account with app, transfer, pay for tickets and foods, perform QR and Cardless operations.

The app currently has over 1000 thousand downloads on Google Play and it is rated 4.1 by its users.


Union Mobile is the mobile banking app of Union Bank Nigeria (UBN). Union Bank among other banks, however, has remained at the apex of banking in Nigeria.

The mobile banking app is pretty simple to use and you can feel it from the simple interface the app is developed to have. With Union Mobile, users can perform cardless withdrawals at ATMs, locate the nearest ATM, transfer fund, pay bill, amongst many other operations.

Moreover, many users have called for some upgrades on the app, as it continues to give issues to them. The app is rated 4.1 currently on Google Play by thousands of users. The app also has over 500 thousand downloads to its credit.


Ecobank is another popular bank spread in many parts of Africa. Being one of the top banks in Nigeria, Ecobank’s mobile app is listed among the best of its kind in Nigeria.

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The app has an overall users rating of 3.1 and a total download reading above 1 million. Via the app, you can perform a number of operations like bills payment, transfer, buy airtime and many others.

Although many reviews have called for upgrades in some areas of experience given by the app, some users have not failed to turn in many positive reviews about the mobile banking app.


Polaris Mobile app also comes in as one of the best mobile banking apps in Nigeria. Although it has received some bad reviews on Google Play, some users have gone ahead to give it five start rating.

The app is given an overall rating of 3.3 and it has received over a 100,000 download on the Google store. With this app, users will be able to send money to any bank in Nigeria, increase your transaction limit without having to visit the bank, pay bills and perform ther numerous transactions.

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Now, your question about the top mobile banking apps in Nigeria has been answered. But you must know that this list is opinion-based. If you have had the experience of other mobile banking apps not listed here, do feel free to pen it down in the comment section.

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