Zenith Bank
VS
GTBank

Metric

Zenith Bank

GTBank

USSD Code

*966#

*737#

Transfer Failure Rate

Low (0.5%)

Moderate (1.2%)

Vat on USSD

₦6.98 per session

App Ease

Standard

Excellent

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

Local Insight

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

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

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.