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Top 5 Mobile Banking Apps in Nigeria [Features]

1. FirstMobile 
2. Zenith Bank App
3. GTWORLD Mobile App
4. Stanbic IBTC APP
5. ???



Top 5 Mobile Banking App In Nigeria

The financial industry in Nigeria has been evolving. Banks keep rolling out different services leveraging technology. They build mobile-friendly banking Apps that help facilitate banking transactions.

All the 5 top mobile banking Apps in Nigeria compiled by TechEconomy offer an aesthetic user interface and simplified access. Having any of these 5 top mobile banking Apps means carrying your bank in your pocket. You can perform transactions from anywhere.

These top 5 mobile banking Apps in Nigeria do not just make banking transactions easy and simplified. They also ensure that the user experience is top-notch. 

1. FirstMobile 

2. Zenith Bank App

3. GTWORLD Mobile App

4. Stanbic IBTC APP

5. Onebank by Sterling Bank

1. FirstMobile

FirstMobile is the official mobile banking App for those banking with FirstBank Nigeria. Just like a typical modern-day mobile banking in Nigeria, all that is needed is to download it from the Google Play Store or Apple Store and start banking. 

It was released in 2015 and has recorded over 5 million downloads. As of the time of filing this report, the latest FirstMobile App version is 2.7.0, with added features. 


Features Of the FirstMobile Banking App

Nice UI/UX Interface & Improved Dashboard – The FirstMobile App has an improved user interface that is intuitive, aesthetically pleasing, and interactive. Any top mobile banking App in Nigeria should have a more exciting interface and experience.

FirstMobile App already has a good user interface, and that also correlates with providing a more personalized and customizable experience dashboard.

The mobile banking App has lists of features that display the mobile banking user’s spending patterns.

Dashboard is personalized for transfers, bill payments, and airtime transactions by uploading pictures.

Previous Transactions: This feature smartly aggregates the most frequent transactions (Transfers, Airtime purchases, Bills payment) a user carries out based on historical data and presents it to the user in a friendly manner.

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Top-up From Contact: Not all the mobile banking Apps in Nigeria have this feature. At least the GTWorld App at the time of writing this article does not have such a feature.

Biometrics: Any mobile bank in Nigeria should have fingerprint biometrics. The authentication automatically compares a user’s fingerprint to a stored fingerprint template to verify a user’s identity.

On the FirstMobile banking App, only Android users can use their fingerprints to consummate transactions.

With the eNaira being integrated with the mobile App, users can make transfers to and from the eNaira wallet.

It is important to note that FirstMobile is only usable by account holders who have Naira MasterCard and Verve cards.


2. Stanbic IBTC Mobile App

Any user can download the mobile banking app from the Google Play store for Android, the iOS App Store for Apple devices, and the Windows Store for Windows mobile phones.

Anybody can download the mobile App but will open an instant account or a @ease wallet with the mobile app in minutes.

The Stanbic IBTC was launched in 2016 and has recorded over 1 million downloads to date. The latest updated version of the mobile banking app when this report was filed in the Stanbic IBTC mobile app – #APPyness 2.0.

Features Of Stanbic IBTC Mobile Banking App

Accessibility – One striking feature of the Stanbic IBTC mobile banking App is that one does not have to be a customer of Stanbic IBTC to access and experience it.

Cross-Multiple Transactions – This mobile App provides opportunities for users to transact across a range of financial services.

Money transfers are both local and international.

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Check account balance, and recharge airtime to all networks.

Buy data on all network bills payment (including paytv and electricity).

Manage all your accounts (including pension & mutual funds), and customer care.

Notifications of transactions manage atm cards & beneficiaries.


Monitor RSA balance

Quick access to funds price & newsletter.

Email your account statement.

3. Onebank

It ranks among the best five mobile banking Apps in Nigeria, Onebank; an App owned by Sterling Bank PLC. The App is taking the lead because it is well downloaded across platforms such as Google Play and Apple App Store and from a customer’s perspective, it is truly a ‘digitalized bank’.

With OneBank, a customer can get everything done without entering a branch. Any user can self-onboard. It will also require users to enter their BVN, upload documents, and start transacting.

Onebank mobile app is highly rated on Google Play Store and Apple Store. The app does not have any security challenges. 

Features Of One bank Mobile Banking App

Self-onboarding:  Stay in control and bank on your terms. Download, create an account, and transact all around the world from the convenience of your mobile phone.

Its features are easy to access and it is user-friendly.

Loans: Opportunities can sometimes be time-bound; that’s why OneBank offers quick loans of up to ₦5 million in 5 minutes.

While using the app, you get to enjoy a dynamic news feed, scrolling forex, and so many other features to look forward to.


Pay for airline tickets, cable, and Internet subscriptions and buy airtime seamlessly and conveniently.

Forex transfers: You’re unlimited and so should your funds. Transfer funds from your wallet or account to anywhere around the world within seconds on OneBank.

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Investments: Stay ahead of the market and enjoy up to 100% returns on your Naira and Dollar investments via Double on OneBank

4. Zenith Mobile Banking App

With Zenith Bank’s mobile banking App, banking just got easier. The App is among our best five mobile banking App in Nigeria. It is among the most downloaded App across platforms such as Google PStorelay, Apple App Store, and Microsoft Store. It has over 5 million downloads on the Google Play Store.

Features Of Zenith Mobile Banking App

24/7 Livechat with our contact center ZenithDirect.

Log POS, Web, or ATM dispense errors.

Generate, share and save transaction receipts.

View Bill Payments history.

View transfer beneficiaries’ details.

View transaction mini-statements.


View all your accounts on your phone: Current, Savings, Domiciliary, Fixed Deposit, etc.

App is locked to the device preventing unauthorized use.

Validates NUBAN account numbers for error-free transfers.

Protected by two-factor authentication: Password and mobile PIN.

Pay bills directly from your bank account.

5. GTWorld

The GTWorld mobile banking app has made transactions with the bank as easy as it ever was. Imagine being able to purchase airtime, transfer airtime, money, etc.

GTWorld is a mobile banking app that is designed to cater to all that’s important to customers easily and seamlessly.

GTWorld is rated high on Google Play and Apple Store. About one million people have downloaded it.

Features Of GTWorld Mobile Banking App

Biometrics: Features biometric authentication, such as facial recognition and fingerprint, which recognizes a customer and adapts to how and when they want to bank.

Seamless switch to GAPS-Lite.


Flexible and secure channel to make payments and collections anywhere in the world.    

Justice Okamgba functions as CONTENT STRATEGIST for with penchant for content planning, development, analysis, management, and measurement. Contact: [email protected]

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