₦airaland Forum

If not for Opay, I for don craze

Lithiumite:
Moniepoint is really messing up these days!! The app keeps failing transfers and it keeps requiring me to refresh almost everytime.

Is Moniepoint a bank? Op asked which bank's app is most underperforming?

Make nobody drag the award with First bank ooo.

That bank don frustrate my life.

UBA is the worst then Union, UBA almost make me run mad last week

truxperteam:
We all have that one bank app that has embarrassed us at the worst possible moment.
You're at the counter trying to pay. The app crashes. You're sending urgent money to someone. The app says "transaction failed" but your account is debited. You're trying to check your balance. The app is "undergoing maintenance" for the third day in a row.
Nigerian bank apps have put us through genuine suffering and we need to talk about it.
So which bank app is the worst in 2026?

GTBank GTWorld
Access Bank AccessMore
First Bank FirstMobile
UBA Mobile
Zenith Bank Mobile
Union Bank
Fidelity Bank
Sterling Bank
Stanbic IBTC
Other (drop the name)

Share your worst experience below 👇🇳🇬
You can also search Truxper on Google to rate your bank permanently so others know what to expect before opening an account.

If Polaris (Vulte) isn't there.
That list is incomplete.
The .most useless app ever.

Fidelity and UBA Banks are the worst.
Kai!

On a very good day
Access bank app can show you pepper

Polaris bank

truxperteam:
We all have that one bank app that has embarrassed us at the worst possible moment.
You're at the counter trying to pay. The app crashes. You're sending urgent money to someone. The app says "transaction failed" but your account is debited. You're trying to check your balance. The app is "undergoing maintenance" for the third day in a row.
Nigerian bank apps have put us through genuine suffering and we need to talk about it.
So which bank app is the worst in 2026?

GTBank GTWorld
Access Bank AccessMore
First Bank FirstMobile
UBA Mobile
Zenith Bank Mobile
Union Bank
Fidelity Bank
Sterling Bank
Stanbic IBTC
Other (drop the name)

Share your worst experience below 👇🇳🇬
You can also search Truxper on Google to rate your bank permanently so others know what to expect before opening an account.

FirstMobile is a total flop.

dalongjnr:
If it's not vulte,then no bank can match that nonsense.
I have been 🔒 🔐 Locked out of the app for 3wks now.
Invalid user is what it keeps displaying.
What a mess!

So there are people who actually bank with Polaris?.

[quote author=Goddyrichie post=139505665]no one talk bad about sterling bank i guess it’s still one of d best bank in Nigeria but Opay comes first [/quote
I want to open sterling bank business account.
Do u know their requirements?]

myqel:
Thats surprising! Sent you a DM...kindly share your account or phone number with me, so that we can assist you take it up

i just sent a new mail

UBA has to be the most useless. From the UI to the responsiveness. Everything just reeks non chalancy and lack of innovation. Elumelu should just sell off that bank and focus on his new found hubby. Oil and Gas

Sterling BANCA APP very empty app

kaywhy09:
Where is polaris (VULTe)?

SHOULD BE FIRST ON THE LIST

If you hadn't said it.. I would have..



That bank app gives depression mehn

Smartcash

remirez07:
Palmpay no fit see heaven walai

never experienced any kind of glitch on palmpay sunce i started using three years ago

Some people will be using 2G network or 15 MB data to rate a bank App. Wetin moniepoint app do una.

To zenith bank app is the worst.

Nchenches:
Is Moniepoint a bank? Op asked which bank's app is most underperforming?

If moniepoint is not a bank it is what?

Oh boutique 🤡

Ushame:
I would have designed a better one, reliable and secured but na Big name for industry dem dey give work to

Send them email, them fit reason you..

The VULTe app is FAULTy.

kaywhy09:
Where is polaris (VULTe)?

SHOULD BE FIRST ON THE LIST

Don't depend on UBA

There's obviously an agenda against polaris (vulte).
It's no coincidence 70% of the comments in first and second page are against polaris..

Either it's one single user with multiple accounts or a group of users with multiple accounts.

Aswear UBA can never make heaven. The most USELESS BANK OF AFRICA

hakeem4:
UBA is the worst. it looks like something done in the medieval period

Eco bank

Use Kuda, and have peace of mind. Never for once do I have an issue with transfer or anything else. For the past 2 years plus. My main bank though.

KingAzubuike:
There's obviously an agenda against polaris (vulte).
It's no coincidence 70% of the comments in first and second page are against polaris..

Either it's one single user with multiple accounts or a group of users with multiple accounts.

. you're just being delusional...

kaludestiny10:
Smartcash

They took my 41k.
Very anyhow app

hakeem4:
UBA is the worst. it looks like something done in the medieval period

UBA messed their app up 3 years ago in the name of upgrade... Ever since then their app has been been shxtty

Providus Bank App looks very very local... even STANBIC Bank App looks better in design.

The worst part is that to generate Receipt on PROVIDUS BANK is as if u get kwanta with them..... it's always so damn slow, taking forever for d receipt to come up.

hakeem4:
UBA is the worst. it looks like something done in the medieval period

UBA
To even have the app on your phone na war😀😀😀

TechCapon:
OPAY is the best that's for sure. 99.99% uptime. UBA is the worst for me. I was embarrassed by UBA at shoprite one day when the card refused to work and app refused to work. Meanwhile people were on the line waiting for me. At the end I left everything I wanted to buy at the counter and left empty handed. I never used UBA since that day

I only UBA to save

I abandon money I am not ready to use there.