FinanceHero / Nigeria / Banking
See fees, minimum balances, ATM costs, transfers, cards and digital access side by side.
Personal / Current accounts
| Account | Account fee | Opening / minimum | ATM fee | Transfers | Card / app | Interest / conditions | Key caveat |
|---|---|---|---|---|---|---|---|
Access BankIndividual Current Account | Monthly: Not applicable Maintenance: NGN1 per mille; turnover-based, not a flat monthly fee.Eligible debit basis/exemptions and tax treatment require confirmation; no modeled total cost. | Opening: NGN 10,000.00 Minimum: NGN 0.00 | Other-bank ATM: NGN100 per NGN20000.Offsite surcharge and own-bank charge not established; not an all-in estimate. | Internet: own-bank NGN0; interbank NGN10 / 25 / 50 + 7.5% VAT.Bands: up to5000 / 5001-50000 / above50000. Service fees only; statutory levies not verified. | Card: Yes App: Yes | Not verified | Turnover maintenance applies; its chargeable basis/exemptions are not verified. Card maintenance is disputed; ATM pricing is incomplete. |
Fidelity BankIndividual Current Account | Monthly: Not verified Maintenance: NGN1 per mille; not a flat monthly fee.Chargeable turnover basis/exemptions and VAT not established. | Opening: Not verified Minimum: NGN 0.00 | Not verified | Not verified | Card: Not verified App: Not verified | Not verified | Maintenance basis/exemptions and transaction costs remain not verified; a zero operating minimum does not establish low running costs. |
Checked: 7 Oct 2026 · Sources: accessbankplc.com · fidelitybank.ng
Savings accounts
| Account | Account fee | Opening / minimum | ATM fee | Transfers | Card / app | Interest / conditions | Key caveat |
|---|---|---|---|---|---|---|---|
Fidelity BankFidelity Savings Account (FSA) | Monthly: Not verified | Opening: Not verified Minimum: NGN 1,000.00 | Not verified | Not verified | Card: Yes App: Not verified | Not verifiedMonthly interest forfeited if more than four withdrawals in a month. | Interest rate and transaction fees are not verified. Opening is described as any amount, not a verified zero. |
Standard Chartered NigeriaInstant Plus Savings Account | Monthly: Not verified | Opening: Not verified Minimum: NGN 0.00 | SC ATM: NGN0. Other-bank premises: NGN100 per NGN20000 or less; offsite surcharge up to NGN500 per NGN20000. | NGN0 intra/interbank service fee.Statutory levies are not established; no all-in zero-cost claim. | Card: Yes App: Yes | Not verifiedSavings interest forfeited above four withdrawals per month. | Maximum balance NGN500,000; single deposit and daily transactions NGN100,000. Effective interest rate not verified. |
Checked: 7 Oct 2026 · Sources: fidelitybank.ng · sc.com
Digital consumer accounts
| Account | Account fee | Opening / minimum | ATM fee | Transfers | Card / app | Interest / conditions | Key caveat |
|---|---|---|---|---|---|---|---|
Kuda Microfinance BankPersonal spending account | Monthly: NGN 0.00Standard personal account maintenance only; premium subscription excluded. | Opening: Not verified Minimum: NGN 0.00 | Not verified | 25 monthly service-fee-free transfers with BVN/NIN; then NGN10 + 7.5% VAT.FAQ adds NGN50 stamp duty for transfers>=10000; exemptions need confirmation. Free allowance does not waive statutory charges. | Card: Yes App: Yes | Not verified | Initial-tier transfer/deposit limit NGN50,000; balance cap NGN300,000. Separate savings-plan yields excluded. |
Checked: 7 Oct 2026 · Sources: kuda.com
Fees may exclude statutory charges.