Top 7 Student-Friendly Banks In Nigeria For 2025— Low Fees, Easy Banking

For students in Nigeria, every naira counts. You don’t want a bank account that eats up your allowance with high charges or makes withdrawals a headache.

Luckily, some banks have student-friendly accounts that come with low fees, simple requirements, and easy mobile banking.

Here are 7 banks worth considering in 2025.

1. GTBank – GTSave for Students

Why It’s Great: Zero opening balance, no monthly charges, and easy access via GTWorld app.

Extra Perk: Free ATM withdrawals at GTBank ATMs nationwide.

2. Access Bank – Solo Account

Why It’s Great: Tailored for students, requires minimal documentation, and supports mobile banking.

Extra Perk: Discounts on selected partner services for students.

3. Zenith Bank – Aspire Account

Why It’s Great: Zero maintenance fees, works with Zenith’s strong mobile app.

Extra Perk: Debit card comes at a reduced fee for students.

4. First Bank – Xplore First Account

Why It’s Great: Specially designed for young adults with a savings habit.

Extra Perk: Eligible for monthly cash prize draws if you save regularly.

5. UBA – NextGen Account

Why It’s Great: No opening balance, no card maintenance fee, and full online banking access.

Extra Perk: Discounts and exclusive offers for UBA student customers.

6. Polaris Bank – Young Achievers Account

Why It’s Great: Zero opening balance, supports long-term savings goals.

Extra Perk: Encourages saving with competitive interest rates.

7. FCMB – Flexx Account

Why It’s Great: Fully digital, low charges, and designed for youth and students.

Extra Perk: Fun campus activations and giveaways for account holders.

Conclusion

The right bank account can save you stress and money as a student. Look for accounts with low or zero charges, simple requirements, and reliable mobile banking.

A smart choice now can set you up for better money habits in the future.