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JosPlateau State

Updated 1 month ago

Best ATMs in Jos — 2026 Rankings

Looking for the best ATMs in Jos, Plateau State? Whether you need to withdraw cash, check your balance, or deposit funds, finding a reliable ATM is essential. Our list of the top 15 ATMs in Jos is based on real user reviews and ratings. Leading the pack is Guaranty Trust Bank PLC with a 4-star rating from 28 reviews, while Union Bank boasts the highest average rating of 4.4 stars from 5 reviews. We rank ATMs using a combination of Google rating, review volume, recency, profile completeness, verification, and paid placement to help you find the most trusted cash points in town.

How the algorithm scored this15 businesses ranked

Ranked
15

businesses

Reviews analyzed
150

Google reviews

Photos verified
8

cover images

Last refresh
1 month ago

editorial review

How to choose safely

What to check before choosing atms in Jos

Rankings are a starting point. For this category, these are the checks that most often separate a useful recommendation from a risky one.

  • Confirm details

    Call or WhatsApp before visiting to verify hours, address, pricing, and availability.

  • Use recent signals

    Recent reviews, fresh photos, and active contact channels are stronger trust signals than old star ratings.

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15 results
  • Editor's Selection#1 in the city
    1
    Guaranty Trust Bank PLC — photo

    Guaranty Trust Bank PLC

    59.7/ 100
    4.04.0 out of 5 stars28 reviews

    British American Junction, Jos 930105, Plateau, Nigeria

    Review analysis

    Offers cardless withdrawals using fingerprint technology.

    • cardless withdrawal
    • fingerprint
    • innovative
    • clean branch
    • long wait times
    • cash crunch
    Why ranked #1? ▾
    • Google rating73
    • Review volume49
    • Review recency56
    • Profile completeness100
    • Review sentiment59
    • Verification0
    • Featured placement0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Bugsi E. ★★★★★ Conveniently located with polite staff, but the overall experience was underwhelming. The waiting time felt unnecessarily long, and some of the machines seemed poorly maintained. While the branch is clean and easy to find, service speed and efficiency need improvement. Decent enough for basic transactions, but nothing particularly impressive.
    • Ade T. ★★★★★ With the recent cash crunch in Nigeria, getting access inside the banking hall has become an onerous task!
  • 2
    Union Bank — photo

    Union Bank

    58.1/ 100
    4.44.4 out of 5 stars5 reviews

    7, Bank Road, Bank Street, Jos 930214, Plateau, Nigeria

    • atm services
    • 247
    • effective
    Why ranked #2? ▾
    • Google rating86
    • Review volume26
    • Review recency46
    • Profile completeness100
    • Review sentiment60
    • Verification0
    • Featured placement0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Ologun V. ★★★★★ Union Bank Premises. ATM Services 247
  • 3
    Zenith Bank - Jos Branch — photo

    Zenith Bank - Jos Branch

    55.1/ 100
    4.04.0 out of 5 stars45 reviews

    37 Ahmadu Bello Way, Jos 930105, Plateau, Nigeria

    Review analysis

    ATM reliably stocked with cash even on holidays.

    • atm always has money
    • long queue
    • poor customer service
    • nice interior
    • 24/7 atm
    Why ranked #3? ▾
    • Google rating73
    • Review volume55
    • Review recency11
    • Profile completeness100
    • Review sentiment53
    • Verification0
    • Featured placement0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • ThankGod O. ★★★★★ The have a nice interior and good customer service
    • Domjul K. ★★★★ Worst customer service literary have to know a worker before u are being attended to
  • 4
    United Bank For Africa - ATM — photo

    United Bank For Africa - ATM

    55.0/ 100
    3.93.9 out of 5 stars36 reviews

    47 Murtala Mohammed Way, Jos 930222, Plateau, Nigeria

    Review analysis

    Multiple ATMs ensure quick service and high cash availability.

    • strategic location
    • cash availability
    • multiple machines
    • 24/7 access
    • security system
    Why ranked #4? ▾
    • Google rating69
    • Review volume52
    • Review recency0
    • Profile completeness100
    • Review sentiment86
    • Verification0
    • Featured placement0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Israel F. ★★★★★ It has a well place security system nd conduct it administrating it customers
    • Victor M. ★★★★ It has enough machines which make it convenient and quick for users to withdraw or transact and leave.
  • 5

    Guaranty Trust Bank ATM

    52.4/ 100
    4.34.3 out of 5 stars3 reviews

    No. 13 B, Commercial Layout, Jengre Road, Jos 930281, Plateau, Nigeria

    • working atm
    • security present
    Why ranked #5? ▾
    • Google rating83
    • Review volume20
    • Review recency46
    • Profile completeness67
    • Review sentiment58
    • Verification0
    • Featured placement0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Ntong A. ★★★★★ Only God can do what no man can do Praise Honour to God Almighty true Chris Jesus Amen
    • Job A. ★★★★★ The ATM machine works with ample security present.
  • 7
    First Bank ATM — photo

    First Bank ATM

    50.5/ 100
    5.05.0 out of 5 stars2 reviews

    14 Bukuru Expy, Jos 930104, Plateau, Nigeria

    • excellent services
    Why ranked #7? ▾
    • Google rating95
    • Review volume16
    • Review recency0
    • Profile completeness67
    • Review sentiment60
    • Verification0
    • Featured placement0

    Scores 0–100 per dimension. See how we rank.

  • 8

    Polaris Bank

    48.4/ 100
    4.54.5 out of 5 stars2 reviews

    No. 2, Gbadamosi Close, British American Junction, Jos 930222, Plateau, Nigeria

    • good customer service
    • good banking rates
    • best app
    Why ranked #8? ▾
    • Google rating88
    • Review volume16
    • Review recency2
    • Profile completeness67
    • Review sentiment62
    • Verification0
    • Featured placement0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Kevin P. ★★★★ Good customer service and good banking rates.
  • 9
    Access Bank ATM — photo

    Access Bank ATM

    47.4/ 100
    4.74.7 out of 5 stars7 reviews

    14 Yakubu Gowon Way, Jos 930104, Plateau, Nigeria

    Review analysis

    Reliable 24-hour ATM gallery with fast service.

    • reliable
    • fast
    • 24 hours
    • easy to locate
    Why ranked #9? ▾
    • Google rating92
    • Review volume30
    • Review recency0
    • Profile completeness0
    • Review sentiment77
    • Verification0
    • Featured placement0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Daniel M. ★★★★★ Its a steady ATM gallery 24hours every day
    • Anthony C. ★★★★★ This Access bank ATM has bailed me out a couple times
  • 10

    Fidelity Bank ATM

    43.2/ 100
    5.05.0 out of 5 stars1 reviews

    4 Beach Rd, Jos 930105, Plateau, Nigeria

    • best customer care
    Why ranked #10? ▾
    • Google rating95
    • Review volume10
    • Review recency6
    • Profile completeness0
    • Review sentiment60
    • Verification0
    • Featured placement0

    Scores 0–100 per dimension. See how we rank.

  • 11

    ZCXhack

    43.1/ 100
    5.05.0 out of 5 stars1 reviews

    plateau jos rwampam, VVW5+H9J, Jos 930105, Plateau, Nigeria

    • interesting survey
    Why ranked #11? ▾
    • Google rating95
    • Review volume10
    • Review recency11
    • Profile completeness0
    • Review sentiment53
    • Verification0
    • Featured placement0

    Scores 0–100 per dimension. See how we rank.

  • 12
    United Bank For Africa - ATM — photo

    United Bank For Africa - ATM

    40.2/ 100
    3.63.6 out of 5 stars10 reviews

    17 Beach Rd, Jos 930105, Plateau, Nigeria

    Review analysis

    Located on Ahmadu Bello Way opposite Access Bank with 24/7 service.

    • 24/7 service
    • long queues
    • few machines
    • network issues
    • accessible location
    Why ranked #12? ▾
    • Google rating55
    • Review volume35
    • Review recency1
    • Profile completeness67
    • Review sentiment59
    • Verification0
    • Featured placement0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Abubakar M. ★★★★★ Because there's no network sometimes
    • Adanu A. ★★★★★ Easy to locate and accessible with 247 ATM service. The Bank is located on Ahmadu Bello Way opposite Access Bank.
  • 13

    Skye Bank - Unijos 1

    37.8/ 100
    3.73.7 out of 5 stars3 reviews

    University Of Jos, P. M. B No. 2084, Jos 930222, Plateau, Nigeria

    Why ranked #13? ▾
    • Google rating60
    • Review volume20
    • Review recency1
    • Profile completeness67
    • Review sentiment50
    • Verification0
    • Featured placement0

    Scores 0–100 per dimension. See how we rank.

  • 14
    Sterling Bank ATM - 13 Jingir — photo

    Sterling Bank ATM - 13 Jingir

    35.8/ 100
    3.73.7 out of 5 stars3 reviews

    45 Murtala Mohammed Way, Jos 930105, Plateau, Nigeria

    • any time money
    Why ranked #14? ▾
    • Google rating60
    • Review volume20
    • Review recency0
    • Profile completeness33
    • Review sentiment65
    • Verification0
    • Featured placement0

    Scores 0–100 per dimension. See how we rank.

  • 15

    union bank ATM

    35.6/ 100
    4.04.0 out of 5 stars2 reviews

    WVG8+M4W, Jos 930105, Plateau, Nigeria

    • easy withdrawal
    • always has cash
    Why ranked #15? ▾
    • Google rating73
    • Review volume16
    • Review recency0
    • Profile completeness0
    • Review sentiment58
    • Verification0
    • Featured placement0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • dayil S. ★★★★★ Easy to withdraw cash on the ATM

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Frequently asked questions

Which ATM in Jos has the highest rating?

Union Bank ATM in Jos, Plateau State, has the highest rating among the top 5, with 4.4 stars from 5 reviews. However, Guaranty Trust Bank ATM also scores well at 4.3 stars from 3 reviews.

What is the most reviewed ATM in Jos?

Zenith Bank - Jos Branch has the most reviews among the top ATMs in Jos, with 45 reviews and a 4-star rating. It is followed by United Bank For Africa - ATM with 36 reviews and 3.9 stars.

Are there any GTBank ATMs in Jos?

Yes, there are two GTBank ATMs in Jos. Guaranty Trust Bank PLC has a 4-star rating from 28 reviews, and Guaranty Trust Bank ATM has a 4.3-star rating from 3 reviews.

How are the ATMs ranked on this page?

We rank ATMs using a methodology that considers Google rating, number of reviews, recency of reviews, profile completeness, verification status, and paid placement. This ensures you see the most reliable and popular options first.

Which bank ATM in Jos has the lowest rating?

Among the top 5 ATMs in Jos, United Bank For Africa - ATM has the lowest rating at 3.9 stars from 36 reviews. However, it still maintains a good overall score.

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