Major Banks in Nigeria

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.

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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.

Key facts

Country: Nigeria (NG)
Currency: NGN
Domestic settlement: NIBSS Instant Payment (NIP) and CBN RTGS
Number of major banks listed: 4
Trackable on Ohmyfin: yes — free via UETR

Frequently asked questions

What are the major banks in Nigeria?

The largest banks in Nigeria include Zenith Bank, Guaranty Trust Bank (GTBank), First Bank of Nigeria, Access Bank.

What is the SWIFT code for Zenith Bank?

Zenith Bank's primary SWIFT/BIC is ZEIBNGLA (head office in Lagos). Branches use 11-character extensions of this code.

How are domestic payments settled in Nigeria?

NIBSS Instant Payment (NIP) and CBN RTGS

How do I track a SWIFT payment to or from Nigeria?

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.

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Major Banks in Nigeria

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