GTBank
VS
Access Bank

Metric

GTBank

Access Bank

USSD Code

*737#

*901#

Transfer Failure Rate

Moderate (1.2%)

Low (0.8%)

Vat on USSD

₦6.98 per session

App Ease

Excellent

Moderate

GTB still has the most responsive app for young professionals, but USSD failures can be annoying.

Local Insight

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

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

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.