Best Student Bank Accounts in Nigeria (2025)

Choosing a student bank account in Nigeria should be simple: low (or zero) fees, easy opening from campus, and perks that matter day-to-day.

Fees add up, ATM limits affect how you access cash, and perks like interest, rewards and internship opportunities can make a big difference on campus.

The good news: opening an account is easier than ever, most banks now let you start online with BVN/NIN, then upgrade in-branch when you need higher limits.

Here are the best student Bank Accounts in Nigeria (2025):

SunTrust Student Account: opening balance ₦500, zero minimum balance, and a standard debit card (some campuses allow card–ID combos). Ages 16–25, with straightforward onboarding,good for first-time bankers.

UBA Teens/NextGen: built for teens, undergrads and NYSC. Stand-out perks include a “13th month” reward (10% of monthly savings after 12 months on a standing order), scholarship raffles tied to consistent savings, a discounted first debit card, internship opportunities, and a published interest rate on the Teens tier. NextGen also runs monthly pocket-money draws,ideal if you’re disciplined about saving.

GTBank GTCrea8 e-Savers: ages 16–25; open online with BVN/NIN. The account emphasises low fees and a monthly interest. Note Level-1 transaction limits until you upgrade (e.g., deposit and balance caps). Great for digital-first students who rarely visit branches.

Zenith Aspire (Student): classic student savings with regular KYC plus school ID/admission letter. Check your branch for current balance thresholds, fees and card terms. Best for students who prefer a large branch network and in-person service.

Access Bank Early Savers: for younger students; ₦1,000 opening balance, listed interest, standing orders, and up to four withdrawals per month without losing interest. Useful for building a savings habit.