Access Bank
VS
Zenith Bank

Metric

Access Bank

Zenith Bank

USSD Code

*901#

*966#

Transfer Failure Rate

Low (0.8%)

Low (0.5%)

Vat on USSD

₦6.98 per session

App Ease

Moderate

Standard

Access is the powerhouse for nationwide coverage. Best if you travel across all Nigerian states.

Local Insight

"Don't let the shiny app fool you, check the USSD uptime."

Zenith is better if you need to print a statement for a UK Visa or handle corporate funds.

Local Insight

"Better rates, but harder to find a physical branch when you need paper."

Avoid the
NRS Penalty.

Planning a major project or choosing a bank? Every naira you spend is affected by updated 2026 Tax Reforms. The ₦50 EMT Levy is watching.