Top 10 Banks with the Highest Customers in Nigeria (2025)

Banking in Nigeria has evolved dramatically over the past decade, providing citizens with more access to financial services than ever before. Choosing the right bank is crucial for both individuals and businesses because it affects convenience, access to loans, digital banking features, and the overall banking experience.

For many Nigerians, knowing which banks have the largest customer base is important. Banks with more customers often have extensive branch networks, robust digital platforms, and better service coverage across the country. This guide explores the top 10 banks with the highest number of customers in Nigeria in 2025, comparing their features, services, and advantages.

By the end of this article, you will have a clear understanding of which banks dominate Nigeria’s financial sector, helping you make an informed choice for your banking needs.

Why Customer Base Matters When Choosing a Bank

A large customer base is often an indicator of trust, reliability, and efficiency. Here’s why it matters:

1. Wider Branch and ATM Network: Banks with millions of customers usually have more branches and ATMs, making it easier to access funds.

2. Enhanced Digital Banking: Large banks invest in mobile apps, online banking, and USSD services for convenient transactions.

3. Better Loan and Credit Options: High customer banks have more funds to offer personal loans, business loans, and investment services.

4. Trust and Reputation: A bank serving millions of Nigerians demonstrates credibility and financial stability.

5. Exclusive Benefits and Offers: Large banks often provide loyalty programs, rewards, and premium services for active customers.

Key Factors to Consider in Top Banks

Before exploring the top 10 banks, it’s essential to consider the following factors:

• Branch Coverage: Check if the bank has a strong presence in your city or town.

• Digital Services: Mobile banking, internet banking, and USSD codes make transactions seamless.

• Customer Support: Efficient customer service is crucial for resolving account issues quickly.

• Products Offered: Savings accounts, current accounts, loans, cards, and investment opportunities.

• Fees and Charges: Compare monthly fees, ATM charges, and online transaction fees.

Top 10 Banks with the Highest Customers in Nigeria (2025)

1. Access Bank Plc

• Customer Base: Over 35 million

• Why It’s Popular: Access Bank has grown rapidly through mergers and acquisitions, including the former Diamond Bank. It offers extensive branch coverage across Nigeria and globally.

• Key Features:

  • Robust mobile banking app

  • Quick loan approval for personal and business loans

  • Dedicated customer support

2. Guaranty Trust Bank (GTBank)

• Customer Base: Over 25 million

• Why It’s Popular: GTBank is known for its user-friendly digital platforms and excellent customer service. It appeals to tech-savvy Nigerians.

• Key Features:

  • Fast online banking

  • Innovative payment solutions

  • Wide ATM and POS network

3. Zenith Bank Plc

• Customer Base: Over 23 million

• Why It’s Popular: Zenith Bank is recognized for reliability, financial strength, and excellent corporate banking services.

• Key Features:

  • International banking support

  • High security and fraud protection

  • Diverse account types for individuals and businesses

4. First Bank of Nigeria (FBN)

• Customer Base: Over 20 million

• Why It’s Popular: As one of the oldest banks in Nigeria, FBN has earned trust through decades of service and a large physical network.

• Key Features:

  • Nationwide branch network

  • Mobile and online banking

  • Extensive financial products

5. United Bank for Africa (UBA)

• Customer Base: Over 19 million

• Why It’s Popular: UBA has a strong presence in Africa and globally, offering seamless international banking.

• Key Features:

  • Easy international transfers

  • Multi-currency accounts

  • Loyalty programs for frequent users

6. Stanbic IBTC Bank

• Customer Base: Over 15 million

• Why It’s Popular: Known for wealth management and corporate banking, Stanbic IBTC is growing its retail customer base rapidly.

• Key Features:

  • Investment advisory services

  • Personal and business loans

  • Advanced mobile banking features

7. Union Bank of Nigeria

• Customer Base: Over 12 million

• Why It’s Popular: Union Bank offers affordable banking solutions for individuals and SMEs with a strong digital presence.

• Key Features:

  • USSD banking services

  • Low transaction fees

  • Dedicated SME banking services

8. FCMB (First City Monument Bank)

• Customer Base: Over 10 million

• Why It’s Popular: FCMB focuses on digital banking and youth-friendly services while providing reliable corporate solutions.

• Key Features:

  • Mobile-first banking

  • Quick loans for businesses and individuals

  • Nationwide support network

9. Polaris Bank

• Customer Base: Over 9 million

• Why It’s Popular: Polaris Bank continues to grow after acquiring legacy Skye Bank operations, focusing on retail and corporate banking.

• Key Features:

  • Strong customer service

  • Convenient banking channels

  • Personal and business account options

10. Heritage Bank Plc

• Customer Base: Over 8 million

• Why It’s Popular: Heritage Bank combines digital banking solutions with personalized services for SMEs and individuals.

• Key Features:

  • USSD and mobile banking

  • SME-focused products

  • Rewards programs for loyal customers

Comparison Table: Top 10 Banks by Customer Numbers

FAQs: Top Banks with Highest Customers in Nigeria

1. Which bank has the most customers in Nigeria?
Access Bank currently has the largest customer base with over 35 million customers.

2. Are these banks safe to open accounts with?
Yes. All listed banks are regulated by the Central Bank of Nigeria (CBN) and operate under strict financial standards.

3. Can I bank online with these banks?
Yes. All top banks provide internet and mobile banking services for convenience.

4. Which bank is best for business accounts?
Zenith Bank, Stanbic IBTC, and Access Bank offer excellent business account solutions.

5. Which bank has the lowest transaction fees?
Union Bank, FCMB, and Heritage Bank offer relatively lower fees for basic transactions.

6. Can I open a bank account with minimal documents?
Yes, most banks require basic identification like a National ID, BVN, and passport photograph.

7. Are these banks available in rural areas?
Banks like First Bank, Access Bank, and Zenith Bank have extensive branch networks reaching both urban and semi-urban areas.

8. Do these banks offer loans to individuals?
Yes. Most of the top banks provide personal loans, salary advances, and micro-loans to qualified customers.

9. Can I get a debit or credit card?
Yes. All banks issue debit cards, and most offer credit cards subject to eligibility.

10. How do I switch banks to one of the top 10?
Visit the new bank, open an account, and request a bank transfer or account migration using your old bank details.

Conclusion: Choosing the Right Bank in Nigeria

Choosing a bank in Nigeria requires considering customer base, service quality, digital banking, and branch network. Banks like Access Bank, GTBank, Zenith Bank, and First Bank dominate due to reliability, large customer numbers, and robust service offerings.

Whether you are opening a personal account, starting a business account, or seeking digital banking convenience, selecting one of these top banks ensures access to quality financial services, safety, and growth opportunities in 2025 and beyond.

Start by comparing features, understanding your needs, and visiting a branch or registering online to experience banking with a trusted institution.