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REVIEW: The most efficient cell banking apps in Nigeria in Might 2022

The virtual revolution is converting each and every human endeavour. For the banking sector, it’s both they move virtual or die, therefore, it isn’t sudden that each one Nigerian banks lately have their cell apps to power virtual banking.

With those apps, many financial institution shoppers not wish to seek advice from a banking corridor to accomplish monetary transactions. Without delay from the apps, financial institution shoppers could make transfers and pay expenses of any type and in addition make proceedings. A few of these apps include upgraded options that let customers to request ATM playing cards and chequebooks.

On the other hand, visitor revel in on those apps is anything else however easiest. Whilst the apps meet shoppers’ expectancies in some spaces, they’re faltering in lots of different spaces. With common updates, the banks are seeking to deal with probably the most problems and considerations being raised through the customers in their apps.

Nairametrics has frequently reviewed those banking apps to make sure that they meet as much as expectancies of consumers. In line with this custom, we’re reviewing them once more to peer which of them have stepped up their video games and people who have no longer.

First, what are the purchasers on the lookout for in a financial institution app? The shoppers need the benefit of get admission to to their fund; the ease of sending cash or acting transactions on the convenience in their houses or workplaces; the power to watch their expenditure with out visiting the financial institution; and simplicity of doing industry, particularly for industry house owners.

Are those apps assembly those expectancies? Right here’s what we now have discovered about probably the most banking apps we reviewed:

Get right of entry to Financial institution (AccessMore)

Except its trendy and wonderful design, the AccessMore app, which is an improve of the common Get right of entry to Financial institution Cellular app, has a wonderful person interface to enrich its simple navigation menu.

Its options come with fast account opening, personalised theme and color scheme, unmarried click on to all favorite options, self QR era for intra-bank transfers, scan QR for bills, funding services and products and PayDay Mortgage.

Apparently, the app additionally permits Dubai Visa packages and the acquisition of film tickets. It additionally supplies simplified foreign currencies move carrier, airtime top-up and software expenses bills, cheque services and products (new cheque e-book request, forestall and make sure cheque), and card services and products (new debit card request, card block and unblock).

The app comes with a singular fingerprint authentication as an added safety function. Customers of this app should not have a token to accomplish on-line transactions. The cell app additionally supplies a are living chat function that permits shoppers to get assist at any level after they come upon difficulties. This can be a enjoyable app that makes the client really feel at house. For instance, one can order a recent chequebook by way of the app with out going bodily to the financial institution.

Customers’ proceedings

One of the vital widespread proceedings has to do with the sluggish pace of the app, particularly on telephones with low RAM (2GB and no more). Some shoppers additionally complained of system defects with the fingerprint and problem logging in.

  • Abstract: Over 1 million downloads, 88% sure evaluations and a unfavorable evaluation of 12% from a complete of 105,000 customers of the app.

Ecobank Cellular app

The remodeled and enhanced Ecobank Cellular app makes it tremendous simple to financial institution at the move 24/7. The app permits customers to regulate their on a regular basis banking wishes anyplace anytime at once from their cell instrument.

The app may be very helpful for interbank transfers, airtime top-ups, remark viewing, and fee of web and cable TV subscriptions. Customers too can get assist from the Ecobank cell app in all 33 African international locations the place Ecobank is provide.

Log-in is made clear-cut, as a visitor simply has to enter his/her cell quantity and password to realize get admission to. Reaction time for customers is terribly speedy and the app has a singular fee device for traders who deploy the scanning of barcodes or QR Code.

Customers’ proceedings

The app may be very heavy at 73MB which is inconvenient for the ones with small garage sizes. Many purchasers stated they’re discovering it tricky to enroll after downloading the app, whilst a few of the ones already the use of the app complained of problem in logging in.

  • Abstract: Over 1 million downloads, 39% sure evaluations and 61% of unfavorable evaluations from 37,700 customers of the app.

FCMB (FCMB New Cellular)

The brand new FCMB cell app is all you wish to have for your entire non-public and industry monetary services and products. It’s speedy, handy and really protected. Additionally it is full of simple-to-use options and a captivating structure for simple navigation.

The app permits the financial institution’s shoppers to regulate their FCMB non-public and industry accounts in addition to their playing cards in real-time, anyplace and anytime!

It has a clear-cut but pretty interface that calls for only a telephone quantity and password for logging into the app. New customers can simply enroll inside a couple of mins and get started taking part in the a large number of options that include the app. But even so the standard inter and intra-bank transfers, the app can be utilized for the fee of expenses, top-up of airtime, fund move and web subscription.

Customers’ proceedings

The proceedings are very similar to the ones for different cell apps. Maximum customers complained of receiving “Improper PIN “error messages each time they sought after to log in even if the PINs have been accurately entered. Some other important downside of the app is the truth that it assists in keeping crashing all through the brand new person registration procedure. Shoppers who alternate their telephones and obtain the app as soon as once more have noticed that that they had problems with the app no longer running.

  • Abstract: Over 1 million downloads, 68% sure evaluations and 32% unfavorable evaluations from 12,900 customers of the app.
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Sterling Financial institution (OneBank app)

The Sterling Financial institution OneBank app is a 100% virtual banking app that provides its visitor the power to sign in and financial institution immediately; make bills, make investments, get advisory, borrow cash, and way of life services and products.

Even though the interface seems clumsy because of its array of options, the app is turning in convenience and comfort to its customers in some ways. It permits the purchasers to create a pockets account immediately with their cell quantity. The biometric function at the app permits customers to log in with fingerprints, saving them the tension of storing many passwords.

Shoppers too can immediately create their digital card for on-line buying groceries and come to a decision the cardboard’s utilization and expiry. The One Switch function of the app permits the purchasers to obtain cash immediately from OneBank customers when they scan their OneBank QR the use of their OneBank app.

Similar to different apps, it permits fee for airline tickets, cable & web subscriptions, electrical energy expenses, and carry out QR code for service provider bills in addition to airtime acquire.

Customers’ proceedings

Shoppers of the financial institution are complaining in regards to the incapacity to view receipts after transactions at the app. Some say the app has too many functionalities, thus making navigation tricky at the app.

  • Abstract: Over 1 million downloads, 68% sure evaluations and 32% unfavorable evaluations from 12,900 customers of the app.

Constancy Financial institution

Constancy’s cell app has moved from obscurity to develop into one of the most most-downloaded banking apps within the nation. The app has a wonderful interface and clear-cut design which provides a large number of room for attention. The upgraded app allows you to keep in keep watch over of your price range. Set up your transactions, accounts and playing cards securely and simply anyplace. The App means that you can carry out transactions and arrange your checking account(s) out of your cell instrument. It’s protected and quite simple to make use of.

The 31MB app comes with custom designed biometric/fingerprint authentication for simple and secure login operation. Customers will give you the chance to view all their accounts inside the app. The app comes with a personalised profile function, with the availability to add your profile image. You’ll be able to arrange beneficiaries for fund transfers, fee of expenses and airtime top-up. Bills of PHCN, Gotv and DStv subscriptions also are imaginable by way of the app. One can simply generate account remark inside mins.

Customers’ proceedings

The customers are complaining about difficulties in logging in to the app. Fingerprints aren’t recognised and login main points aren’t recognised, for lots of customers. The customers are annoyed with log-in drawback, some ended up being blocked from the app after a number of makes an attempt to log in. There also are proceedings in regards to the app crashing in the course of transactions.

  • Abstract: Over 1 million downloads 86% sure evaluations and 14% unfavorable evaluations from 27,568 customers of the app.

First Financial institution (FirstMobile)

The First financial institution cell app which is popularly known as FirstMobile ranks top-of-the-line in Nigeria. A peep into the FirstMobile app published fascinating options, that are likeable and user-friendly.

To start with, a first-time person is given a 5-digit mPIN whilst registering. This PIN is wanted for logging into the app, earlier than you’ll perform any cell transactions. You additionally wish to enter a 4-digit transaction PIN which is used for finishing any move or fee transactions. It’s the handiest app that permits the move of a most of 1,000,000 Naira with out using a {hardware} token.

It has a pleasing person interface which can be utilized for no longer simply interbank transfers, but in addition intra-bank transfers. It may be used for buying airtime and paying for DSTV, Startimes, Gotv and PHCN expenses. It will possibly generate statements of account immediately or even carry again data of transactions as much as 2 months again. The transaction a hit receipt is fantastically designed and at the account environment, one can simply alternate his/her mPIN, alternate his/her nickname, synchronize your token to the app, alternate transaction PIN and perform different operations.

Customers’ proceedings

Some shoppers are complaining about advertisements shooting up at the app, even when they had decided on the technique to forestall advertisements. Some also are having problems being able to obtain transaction receipts, whilst quite a lot of the say the app lags whilst opening. For different customers, the problem with the app is their incapacity to retrieve stored beneficiaries on the level of transactions.

  • Abstract: A complete of five million downloads, 47% sure evaluations and a 47% unfavorable evaluations from 52,770 customers of the app.

GTBank (GTWorld)

The GTB’s GTWorld cell app has an exquisite orange background design that makes it engaging and funky for the person to navigate and revel in the original options that the app brings. Log in is inconspicuous, because it calls for simply your web banking ID and password.

Constructed at the again of the financial institution’s customer-centric virtual technique, GTWorld additionally options biometric authentication, reminiscent of facial reputation and fingerprint, which acknowledges a visitor and adapts to how and after they need to financial institution. The Cellular banking app additionally includes a seamless transfer to GAPS Lite, the net banking platform for small companies which gives a versatile and protected channel to make bills and collections anyplace on the planet.

When you effectively log in to the app, you’ll view your entire accounts (financial savings, present, fastened deposit, domiciliary) and perform different transactions like fund transfers, purchasing airtimes, and checking the day-to-day historical past of transactions.

Customers’ proceedings

One of the vital customers’ proceedings is that the newest replace to the app has made interbank transfers extraordinarily tricky. In addition they complained that the app infrequently displays {that a} transaction has failed after which when attempted once more, the client is debited two times.

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For others, the problem they have got with the app is the repeated crashes they revel in, even if that they had attempted all treatments like clearing cache and uninstalling and reinstalling the app a number of occasions.

  • Abstract: A complete of one million downloads, 68% sure evaluations and 25% unfavorable evaluations from a complete of nineteen,662 customers of the app.

Polaris Financial institution (VULTe app)

The virtual cell banking app of Polaris Financial institution is named VULTe. The app seems clear-cut and there’s not anything a lot when it comes to aesthetics within the design. On the other hand, the app gives simple, speedy, and dependable answers designed no longer handiest to fulfill your banking wishes however to in the end make stronger the standard of your existence.

It comes with distinctive options and advantages and permits on-boarded shoppers to hold out their banking transactions together with account opening, invoice bills, intra-bank and inter-bank transfers, steadiness enquiry, airtime recharge and fast loans on-the-go.

On-boarded shoppers also are in a position to get admission to the Financial institution’s  PayDay Mortgage known as Wage Advance on each cell and internet virtual platforms the place eligibility will likely be exhibited to the client inside the VULTe utility.

Customers’ proceedings

However, app customers have complained about difficulties encountered all through log in, because it most often fails. Customers also are expressing frustration that they’ve to take care of a number of crashes whilst at the app. As with maximum apps reviewed, Polaris’ VULTe comes with a large number of system defects that experience prompted customers to clamour for the older model which is extra strong and strong.

  • Abstract: 500,000 downloads, 63% sure evaluations and 32% unfavorable evaluations from 5,366 customers of the app.

Stanbic IBTC Financial institution

The Stanbic IBTC cell app is related to a Stanbic IBTC debit card and most often calls for a 3-digit set up code (*909#) to finish the set up of the app on any IOS or Android instrument. The app comes in handy for the fee for items and services and products, college charges, financial institution transfers, airtime purchases even if one is outdoor the rustic and fee for web and cable TV subscription.

It is attached for your financial savings/present account pockets, pension and mutual fund accounts in addition to different related accounts. At log-in, one can simply view his/her to be had account steadiness, ledger steadiness and all indexed accounts. Customers too can view their most up-to-date transactions.

The app has the power to regulate monetary portfolios comfortably. One too can ship cash to other folks with out financial institution accounts. A voucher will likely be despatched by way of SMS to the beneficiary for withdrawal at any Stanbic IBTC ATMs.

Customers’ proceedings

One not unusual grievance a number of the customers of this app is their incapacity to obtain or screenshot transaction receipts. This incessantly put them in a good nook each time they wish to ship proof of fee to the recipient. Some additionally revel in problem in logging in, whilst others are unsatisfied with the sluggish loading technique of the app.  Once more, the lately up to date model comes with insects that wipe off stored beneficiaries of customers.

  • Abstract: 1 million downloads, 56% sure evaluations, 35% unfavorable evaluations from a complete of 10,600 customers of the app.

UBA Cellular Banking App (New)

The brand new UBA cell banking app lets you simply earn cash transfers, purchase airtime and pay expenses. The app has other options that no longer handiest make sure that your monetary transactions are more uncomplicated and extra stress-free to hold out however the ones additionally paintings to be sure to pressure much less.

One of the vital distinctive options of UBA Cellular app is the Saving Objective, which lets you you create a saving purpose (for hire, college charges, wedding ceremony, utilities, emergency, automobile acquire and many others.) which is able to permit you one by one save a definite amount of cash at a comfy tempo.

The app’s card keep watch over function additionally means that you can protected your account when you misplace or misplaced your card. With this, you’ll limit the cardboard throughout other channels: ATM, WEB, POS. The brand new cell app guarantees that you’ve the choice to give protection to your cash through offering the technique to block, lock, freeze or cancel your card at any time.

Customers’ proceedings

There are a couple of proceedings from the app customers just like the app showing community mistakes and insects that stay logging customers out of the app. Some customers needed they nonetheless had the outdated UBA app for the reason that new app infrequently displays transaction failure even if it a transaction is a hit. Transaction at the new app doesn’t replace in an instant not like the outdated app.

  • Abstract: The app has 1 million downloads, 47% sure evaluations, and 43% unfavorable evaluations from a complete of 12,205 customers of the app.

Union financial institution (UnionMobile)

Union Financial institution, one of the most oldest conventional banks in Nigeria has mixed into the virtual banking revolution through opening a sequence of virtual banking channels for its shoppers. These days, the financial institution’s cell app, UnionMobile, stands amongst one of the most most-downloaded financial institution apps in Nigeria as shoppers proceed to include handy and simple banking via apps.

Like different banks’ cell apps, the UnionMobile app has some distinctive options, which come with ATM/Department locator, Rapid account remark, Climate forecast, Set up and save beneficiaries, and Customized profile the place one can add his/her profile image.

The app additionally operates a card-less withdrawal device, the place a beneficiary could make withdrawals from any of Union financial institution ATMs with out using a debit card. This can also be finished after linking your debit card main points for your profile.

The newest updates enhanced the options of the app to incorporate fee of software expenses reminiscent of DSTV, GOTV, PHCN, and many others. It additionally permits customers to shop for airtime and knowledge bundles at the app.

Except those options, the app seems delightful to the eyes with its brilliant blue color design and a simple-looking interface.

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Customers’ proceedings

In spite of its nice options, some customers aren’t taking part in the app because of one factor or some other. Maximum proceedings of the customers centre on their incapacity to log in after updating the app. Actually, many purchasers stated they would need the financial institution by no means up to date the app as they now combat to make use of the app after updating. For some, registering at the app has develop into an issue as they retain getting error messages every time they try to log in. For those units of other folks, the app has been unhelpful and irritating.

  • Abstract: 1 million-plus downloads, 60% sure evaluations, 40% unfavorable evaluations from a complete of 12,584 customers.

Harmony Financial institution (Harmony Cellular)

The expansion of the financial institution has stalled over time and this is a miracle that they’ve a cell app known as Harmony cell. The app has a clear-cut glance and comprises the standard options as with different apps: ATM/Department locator, speedy cell top-up, fund move, fee for software expenses cable TV. One distinctive facet of the app’s airtime top-up function is that its hyperlink is strategically designed on the backside of the app and you’ll use it to peak up with out in fact logging into the app.

Customers’ proceedings

The app has some downsides with such a lot of customers complaining in their incapacity to get admission to the app because it assists in keeping appearing community mistakes, whilst they may be able to use different apps at the similar community. Some also are having problems with cash gained no longer reflecting at the app.

  • Abstract: 100,000 downloads, 74% sure evaluations, 13% unfavorable evaluations from a complete of one,921 customers of the app.

Wema (Wema ALAT)

Wema Financial institution’s virtual banking app, ALAT, ALAT, gives shoppers absolutely virtual banking revel in. All this is required of you to open and run an ALAT checking account is a tool that is attached to the web and a few method of identity.

To join ALAT you would need to input your telephone quantity, your Financial institution Verification Quantity (BVN), your date of delivery, and the One Time Password that will be despatched for your registered BVN telephone quantity. Upon getting finished that, you could be requested to verify if some main points, which come with your complete title, gender, and date of delivery, belong to you.

Like different banking packages, customers can move cash to and from their ALAT account, acquire airtime and knowledge and make different invoice bills. On the other hand, ALAT utility additionally comes with some options which can be somewhat distinctive. Those come with transfers and invoice bills agenda, ATM card requests and keep watch over from a cell phone, and “Targets”, which permits customers to earn a ten% hobby in line with yr on any quantity stored.

Customers’ proceedings

In spite of its nice options, the app additionally has some drawbacks, which were the root of proceedings through customers. The color template within the app makes it tricky to peer texts accurately. The red, oxblood texts aren’t obviously visual until you building up the brightness degree at the telephone. Then there also are too many “error” messages and insects.

For different customers, signing up for a brand new account is worrying, many have needed to undergo a number of failed makes an attempt earlier than they may prevail, which may well be irritating.

  • Abstract: 1 million downloads, 62% sure evaluations, 31% unfavorable evaluations from a complete of 25,138 customers of the app.

Zenith Financial institution (Zenith Financial institution Cellular)

Zenith Financial institution Cellular is without doubt one of the most-downloaded banking apps in Nigeria lately with over 5 million downloads on Google Play Retailer.

With its stunning white and pink interface background, the app calls for customers to enter their account quantity and 6-digit passwords, earlier than they may be able to log in to their profiles at the app. Cheque and card requests, price range transfers, self-transfer, airtime purchases, fee of expenses, fee for resort accommodation and department locator are probably the most primary options of the app.

Customers’ proceedings

To maximum customers, on the other hand, the app isn’t user-friendly because of the tension they come upon whilst seeking to log in to the app as first-time customers. Registration calls for OTP for finishing touch which might take some time to be despatched. The app’s possibility of sending financial institution statements to third-party assists in keeping failing with error message, “not able to retrieve transaction main points”.

  • Abstract: A complete of five million downloads, 41% sure evaluations and 47% unfavorable evaluations from a complete of 34,866 customers of the app.


  • Taking a look at the entire apps, there is not any doubt that they’re all designed to make banking more uncomplicated and extra comfy for the customers. On the other hand, the revel in for every of the customers differs in keeping with a number of components, which come with the community high quality, the kind of telephones, and the configuration of the telephones getting used to get admission to the apps.
  • With those components, the revel in can’t be easy for the entire customers and that’s mirrored within the mixture of sure and unfavorable ranking of the apps through the customers, relying on their revel in.
  • Once more, one consistent issue for lots of the apps is that every replace brings up recent problems that go away the customers wishing they have been by no means up to date.
  • Above all, each and every app most often has insects which generally tend to create issues for the end-user, however the final take a look at of an efficient app is the broader acceptability, recognition, person protection and general capability inside its visitor base.