Student-focused accounts now waive maintenance fees, require little or no opening deposit, and offer zero-fee digital transactions. Many come with interest-earning features, free debit cards, and campus-specific perks like scholarships, workshops, or events.
Whether you’re budgeting allowances, saving for projects, or need quick emergency funds, these accounts empower undergraduates to manage stipends, fund projects, and save for future goals without hidden charges.
Here are the 7 best student-friendly banks in Nigeria for 2025.
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1. GTBank GTCrea8 e-Savers account
Designed for undergraduates aged 16–25, this account requires no opening or minimum balance. There are no maintenance or transfer fees, and you earn competitive interest on your balance.
Students also enjoy access to GTBank youth-focused events and masterclasses. Opening is quick with just your BVN or NIN.
2. Access Bank Solo Student account
The Solo account targets full-time students aged 16–30 and can be opened without an initial deposit. It comes with no monthly charges and includes a free debit card, access to micro-loans via the Access More app, and regular financial literacy workshops on campuses.
All transactions are easily managed through mobile or internet banking.
3. FCMB Flexx account
While not strictly a student account, Flexx is tailored for youths aged 18–30. It requires a ₦1,050 opening balance but has no maintenance fees or minimum balance afterward.
It offers a free debit card, access to quick salary advances and back-to-school loans, and full mobile and USSD banking integration. Flexx also supports youth-focused campaigns and digital literacy.
4. Stanbic IBTC BluEdge account
This is a zero-balance savings account for students and NYSC members. It requires no initial deposit or maintenance fees. The BluEdge debit card is issued at no cost, and the mobile app includes tools for savings, fixed deposits, and investment learning.
Students also benefit from webinars, goal-setting features, and discounted forex options.
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5. Zenith Bank Aspire account
Designed for students aged 16–25, Aspire requires no minimum or opening balance and charges no monthly fees. It features a Mastercard PayPass debit card (₦500 issuance fee), airtime top-up automation, and entries into periodic scholarship draws.
Balances earn interest, and the account can be managed through Zenith’s robust mobile banking platform.
6. Polaris Bank Campus Plus account
Campus Plus requires a ₦1,000 opening deposit but no minimum balance going forward. It offers interest on savings, a customizable Visa debit card, and access to the Polaris mobile app.
The bank also organizes student engagement programs, including workshops and community events across tertiary institutions.
7. Sterling Bank TrybeOne account
TrybeOne is aimed at students and young people aged 15–25. It carries no opening or minimum balance and includes a free virtual debit card (with optional physical card).
The in-app wallet allows fee-free peer transfers, and the platform hosts youth-centric content, financial tips, and gamified rewards. The account is entirely digital and quick to set up using your BVN and passport photo.
Each of these accounts meets student needs for flexibility, affordability, and digital access. However, terms can change; always confirm details with your chosen bank before signing up.
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