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Nigeria's banking system runs on NIBSS Instant Payment (NIP) and CBN RTGS. The country's currency is the NGN. The major banks below handle the vast majority of inbound and outbound SWIFT payments to Nigeria.
Nigeria runs its domestic interbank settlement on NIBSS Instant Payment (NIP) and CBN RTGS. International SWIFT payments arrive at one of the major correspondents listed below before being credited via the domestic system.
Top banks in Nigeria: Zenith Bank (ZEIBNGLA, Lagos), Guaranty Trust Bank (GTBank) (GTBINGLA, Lagos), First Bank of Nigeria (FBNINGLA, Lagos), Access Bank (ABNGNGLA, Lagos).
Zenith Bank — SWIFT/BIC ZEIBNGLA, headquartered in Lagos. Largest Nigerian bank by tier-1 capital.
Guaranty Trust Bank (GTBank) — SWIFT/BIC GTBINGLA, headquartered in Lagos. Top-three Nigerian bank; strong digital.
First Bank of Nigeria — SWIFT/BIC FBNINGLA, headquartered in Lagos. Oldest Nigerian bank.
Access Bank — SWIFT/BIC ABNGNGLA, headquartered in Lagos. Largest Nigerian bank by assets after acquisitions.
If you have sent or received a SWIFT payment routed through any of these banks, you can verify it for free on Ohmyfin. Paste the 36-character UETR (from your MT103 or pacs.008 confirmation) into the homepage tracker to see the latest available SWIFT status — settled, in flight, pending compliance, or rejected.
The largest banks in Nigeria include Zenith Bank, Guaranty Trust Bank (GTBank), First Bank of Nigeria, Access Bank.
Zenith Bank's primary SWIFT/BIC is ZEIBNGLA (head office in Lagos). Branches use 11-character extensions of this code.
NIBSS Instant Payment (NIP) and CBN RTGS
Paste the UETR into the Ohmyfin tracker. You will see the latest available SWIFT status in seconds — including which correspondent bank in Nigeria (or the international intermediary) is currently holding the payment.
No card needed. Free for ordinary users — 5 IP-based lookups per day, plus 100 credits instantly when you sign up with email. Use them on any international wire across 11,000+ banks.
Sign up free — get 100 credits Or try the tracker now →