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LagosLagos StateHighly Rated

Updated 1 month ago

Best Highly Rated Banks in Lagos — 2026 Rankings

Looking for the best highly rated banks in Lagos, Lagos State? Whether you need a reliable bank for personal or business banking, Lagos offers top-tier financial institutions with excellent customer ratings. Leading the pack is Access Tower (Access Bank Head Office) with a 4.6-star rating from 541 reviews, while Parallex Bank Limited boasts the highest rating of 4.7 stars. Our rankings are based on a combination of Google ratings, review volume, recency, profile completeness, verification, and paid placement to help you find the most trusted banks in the city.

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editorial review

How to choose safely

What to check before choosing banks in Lagos

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.

  • Report problems

    If the listing is wrong, closed, unsafe, or duplicated, use the report link so Ranked can review it.

20 results
  • Editor's Selection#1 in the city
    1
    BjLending Services Limited — photo

    BjLending Services Limited

    78.0/ 100
    4.74.7 out of 5 stars310 reviews

    21 Akinsanya St, Ojodu, Lagos 100213, Lagos, Nigeria

    Review analysis

    Requires a referral from a previous customer to process loans.

    • fast loan processing
    • responsive customer service
    • requires referral
    • clear terms
    • transparent
    • easy navigation
    Why ranked #1? ▾
    • Google rating92
    • Review volume83
    • Review recency74
    • Profile completeness100
    • Review sentiment78
    • Verification0

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

    Recent reviews

    • isiaq O. ★★★★★ The processing is looking very smooth and great so far because I'm feeling convince and comfortable to trust this service. Great work!
    • Clara E. ★★★★ I haven't gotten my loan yet, but to me it's fast and easy to navigate, smooth and slick, once I get my loan I will come back and make it 5 star
  • 2
    Access Tower (Access Bank Head Office) — photo

    Access Tower (Access Bank Head Office)

    77.2/ 100
    4.64.6 out of 5 stars541 reviews

    14/15 Prince Alaba Abiodun Oniru Rd, Victoria Island, Lagos 100212, Lagos, Nigeria

    Review analysis

    Stunning ocean views and 5-star hotel-like lobby with beautiful artwork.

    • beautiful building
    • top notch security
    • ocean view
    • clean environment
    • poor customer service
    • wheelchair accessible
    Why ranked #2? ▾
    • Google rating90
    • Review volume91
    • Review recency58
    • Profile completeness100
    • Review sentiment78
    • Verification0

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

    Recent reviews

    • FUNTIME M. ★★★★ The customer care service needs to be checked. It is absolutely impossible for a customers to call for urgent assistance on issues my personal account for hours and not get response. Too bad.
    • Tunmise ★★★★★ The security is top notch to begin with the staffs are very welcoming. The environment is very clean and tidy.
  • 3
    Stellas Microfinance Bank — photo

    Stellas Microfinance Bank

    73.1/ 100
    4.84.8 out of 5 stars207 reviews

    164 Lagos-Abeokuta Expy, Ijaiye, Lagos 102212, Lagos, Nigeria

    Review analysis

    Mixed reviews: praised for loan services and app, but criticized for fund access and customer support.

    • good loan service
    • excellent app
    • fund access issues
    • poor customer support
    • unreliable
    Why ranked #3? ▾
    • Google rating93
    • Review volume77
    • Review recency68
    • Profile completeness100
    • Review sentiment44
    • Verification0

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

    Recent reviews

    • Emmanuel O. ★★★★ Very unreliable bank. I had no business with them until GIG mandated their ecommerce subscribers to create an account with Stellas as they remit funds through them. Unfortunately, my team will stop using GIG because of Stellas's poor services.
    • Olaoluwole O. ★★★★ The bank is really done well 👍, some years ago, I need a auto loan from them at iyanan-ipaja branch in Lagos Nigeria, and they was given me the best regards of my request, which make me be happy in that year, so the bank is reliable.
  • 4
    The Alternative Bank Limited — photo

    The Alternative Bank Limited

    70.0/ 100
    4.84.8 out of 5 stars29 reviews

    239 Ikorodu Rd, LGA, Ilupeju, Lagos 100252, Lagos, Nigeria

    Review analysis

    Fast branch visits under 10 minutes and doorstep ATM delivery.

    • great customer service
    • fast branch service
    • doorstep delivery
    • sustainable investments
    • seamless digital services
    Why ranked #4? ▾
    • Google rating93
    • Review volume49
    • Review recency51
    • Profile completeness100
    • Review sentiment95
    • Verification0

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

    Recent reviews

    • Ayomide O. ★★★★★ I had a great onboarding experience with the bank, and got my ATM card delivered to my doorstep. Their customer service is really good; attentive and fast. I also discovered their investment app (AltI
    • bassey O. ★★★★★ Really excellent customer service. They called me on my birthday
  • 5
    nairaCompare — photo

    nairaCompare

    69.7/ 100
    4.54.5 out of 5 stars55 reviews

    256 Murtala Muhammed Way, Yaba, Lagos 100001, Lagos, Nigeria

    Review analysis

    Aggregates local investment packages and loan options for easy comparison.

    • user friendly
    • compare loans
    • investment packages
    • good customer service
    • easy navigation
    Why ranked #5? ▾
    • Google rating88
    • Review volume58
    • Review recency55
    • Profile completeness100
    • Review sentiment86
    • Verification0

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

    Recent reviews

    • Kenechukwu A. ★★★★★ I like the fact that for the first time I'm able to see and compare so many local investment packages without having to stress and run around on the internet. All the information I need to make decisions are in one place. Kudos!
    • Noella L. ★★★★★ Makes things a lot easier when I need to make a money decision
  • 6
    RITBEST HOMES AND PROPERTIES — photo

    RITBEST HOMES AND PROPERTIES

    69.5/ 100
    4.74.7 out of 5 stars30 reviews

    4 Oluwole Agbede street, off idowu dabiri road( Behind Blenco supper market) Sangotedo, Eti-Osa, Lagos 101233, Lagos, Nigeria

    Why ranked #6? ▾
    • Google rating92
    • Review volume50
    • Review recency88
    • Profile completeness100
    • Review sentiment50
    • Verification0

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

    Recent reviews

    • Bigdaddy U. ★★★★★ I have met with and seen a couple of Realtors, and Leaders of Real Estate business, but in fairness and honesty, I have never seen anyone in this industry has passionate, dedicated, hard working, honest with an impeccable integrity and unquestionable character like this amazing CEO of RITBEST HOMES & PROPERTIES. I have never had any single regret in all my dealings with her. Now this is how real Billionaires are made. Customers/Clients satisfaction is her priority all the time. God bless your business and the works of your hands madam Rita, CEO RITBEST HOMES & PROPERTIES.
    • Chizoba I. ★★★★★ Excellent experience with Ritbest homes and properties
  • 7
    Germaine Bureau De Change — photo

    Germaine Bureau De Change

    68.7/ 100
    4.84.8 out of 5 stars37 reviews

    TYTO Pagoda Mall, 31b Admiralty Wy, Lekki Phase 1, Eti Osa 105102, Lagos, Nigeria

    Why ranked #7? ▾
    • Google rating93
    • Review volume53
    • Review recency71
    • Profile completeness100
    • Review sentiment50
    • Verification0

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

    Recent reviews

    • ibrahim I. ★★★★★ They are just the best. Very fast transaction and always reply on time. Also have the best rate you can ever get.
    • Favour N. ★★★★★ The service was excellent and very professional, with a good rate. I would certainly recommend this place for currency exchange.
  • 8
    PremiumTrust Bank — photo

    PremiumTrust Bank

    67.7/ 100
    4.54.5 out of 5 stars43 reviews

    Plot 1612 Adeola Hopewell St, Victoria Island, Lagos 101233, Lagos, Nigeria

    Review analysis

    Extremely low transaction limits (₦3,000 per transaction) frustrate customers.

    • neat environment
    • good customer service
    • low transaction limits
    • slow app
    • account lock issues
    Why ranked #8? ▾
    • Google rating88
    • Review volume55
    • Review recency67
    • Profile completeness100
    • Review sentiment59
    • Verification0

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

    Recent reviews

    • Obinna J. ★★★★ My experience with this bank has been the worst since I started banking. Transaction limits are extremely poor — just ₦3,000 per single transaction and only ₦20,000 daily. How many banks in Nigeria operate that way? I submitted all necessary documents through their slow and unreliable app, yet my account was locked. To make it worse, this happened around midnight, leaving me stranded till Monday. This system is frustrating and disappointing. If things don’t change, I will move all my funds to another bank that values customers and makes banking easier.
    • Obinna J. ★★★★ My experience with this bank has been the worst since I started banking. Transaction limits are extremely poor — just ₦3,000 per single transaction and only ₦20,000 daily. How many banks in Nigeria op
  • 9
    Lagos Food Bank Initiative — photo

    Lagos Food Bank Initiative

    66.9/ 100
    4.64.6 out of 5 stars93 reviews

    40 Olu Aboderin St, Idi Mangoro, Lagos 101233, Lagos, Nigeria

    Why ranked #9? ▾
    • Google rating90
    • Review volume66
    • Review recency42
    • Profile completeness100
    • Review sentiment50
    • Verification0

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

    Recent reviews

    • Abiodun A. ★★★★ I love LFBI. Looking for partners for your CSR? Highly recommended. They are well organized, transparent and very professional. Serving humanity is a really fulfilling experience here.
    • Kehinde O. ★★★★★ Lagos Food Bank Initiative is a well-regarded non-profit focused on fighting hunger and malnutrition in Nigeria. Volunteers appreciate the rewarding experience and impactful programs, such as school feeding and food assistance for vulnerable groups. While the organization is praised for its mission, some mention challenges with location accessibility and event time management. Overall, it is a credible and effective NGO making a positive difference in the community.
  • 11
    D' Wine Bank — photo

    D' Wine Bank

    66.8/ 100
    4.54.5 out of 5 stars141 reviews

    26A Admiralty Wy, Lekki Phase 1, Lagos 106104, Lagos, Nigeria

    Why ranked #11? ▾
    • Google rating88
    • Review volume72
    • Review recency64
    • Profile completeness67
    • Review sentiment50
    • Verification0

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

    Recent reviews

    • PRINCE O. ★★★★★ Price friendly on assorted drinks and wine in one shopping.
    • Eliman ★★★★★ They have quite the selection of wines and spirits ...you won't be disappointed with their collections
  • 12
    Greenwich Merchant Bank — photo

    Greenwich Merchant Bank

    66.5/ 100
    4.64.6 out of 5 stars42 reviews

    P. M. B, 80074, 4th Floor, Churchgate Towers 2, Churchgate St, Victoria Island, Lagos 106104, Lagos, Nigeria

    Review analysis

    Offers cash back interest on investments, with higher returns for larger deposits.

    • investment banking
    • cash back interest
    • customer friendly
    • underwriting
    • loan services
    Why ranked #12? ▾
    • Google rating90
    • Review volume54
    • Review recency44
    • Profile completeness100
    • Review sentiment68
    • Verification0

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

    Recent reviews

    • Matthew O. ★★★★ Greenwich Merchant Bank is a financial institution that conducts underwriting, loan services, financial advising, and fundraising services for large corporations and high-net-worth individuals (H NIs). Unlike retail or commercial banks, merchant banks do not provide financial services to the general public.
  • 13
    Globus Bank — photo

    Globus Bank

    65.6/ 100
    4.54.5 out of 5 stars128 reviews

    Plot 722 Akinbo Savage St, Victoria Island, Lagos 100001, Lagos, Nigeria

    Review analysis

    Seamless account opening via app with upload of all necessary details.

    • improved service
    • conducive banking hall
    • attentive staff
    • seamless technology
    • effortless account opening
    • need more branches
    Why ranked #13? ▾
    • Google rating88
    • Review volume70
    • Review recency5
    • Profile completeness100
    • Review sentiment78
    • Verification0

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

  • 14
    CardinalStone — photo

    CardinalStone

    63.7/ 100
    4.64.6 out of 5 stars29 reviews

    5 Okotie Rd, Ikoyi, Lagos 106104, Lagos, Nigeria

    Why ranked #14? ▾
    • Google rating90
    • Review volume49
    • Review recency45
    • Profile completeness100
    • Review sentiment50
    • Verification0

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

    Recent reviews

    • Adeboye E. ★★★★ Already regretting the decision to invest through this people, obviously i failed to do due diligence. poor customer service, already invested and not been able to connect with anyone, email not responded to, phone just ringing endlessly.
  • 15
    Parallex Bank Limited — photo

    Parallex Bank Limited

    63.7/ 100
    4.74.7 out of 5 stars44 reviews

    1261 Adeola Hopewell St, Victoria Island, Lagos 101001, Lagos, Nigeria

    Review analysis

    Offers unique account numbers and free banking services.

    • free banking
    • unique account number
    • friendly staff
    • account locked
    • slow withdrawal
    Why ranked #15? ▾
    • Google rating92
    • Review volume55
    • Review recency25
    • Profile completeness100
    • Review sentiment56
    • Verification0

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

    Recent reviews

    • Liadi A. ★★★★ Can't imagine about this this bank is very worst imagine since last 2 months my 20000 is in this bank and I cannot withdraw it I don't know why I was trying to login it was telling me proverb account has been locked from where the account is locked I don't know why the account is locked
    • Liadi A. ★★★★ Can't imagine about this this bank is very worst imagine since last 2 months my 20000 is in this bank and I cannot withdraw it I don't know why I was trying to login it was telling me proverb account
  • 16
    Accion Microfinance Bank — photo

    Accion Microfinance Bank

    63.3/ 100
    4.84.8 out of 5 stars92 reviews

    154 Ikorodu Rd, Onipanu, Lagos 100252, Lagos, Nigeria

    Review analysis

    Drives digitization with excellent digital platforms and competitive loan products.

    • digital banking
    • excellent customer service
    • fast loan processing
    • competitive interest rates
    • good mobile app
    • customer-centric
    Why ranked #16? ▾
    • Google rating93
    • Review volume66
    • Review recency1
    • Profile completeness67
    • Review sentiment86
    • Verification0

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

  • 17
    Abbey Mortgage Bank Plc — photo

    Abbey Mortgage Bank Plc

    62.9/ 100
    4.54.5 out of 5 stars36 reviews

    23 Karimu Kotun St, Victoria Island, Lagos 101241, Lagos, Nigeria

    Review analysis

    Competes with new tech companies despite being 30 years old.

    • customer focus
    • efficient
    • innovative
    • friendly staff
    • serene environment
    • ample parking
    Why ranked #17? ▾
    • Google rating88
    • Review volume52
    • Review recency9
    • Profile completeness100
    • Review sentiment86
    • Verification0

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

  • 18
    4STONE CAPITAL — photo

    4STONE CAPITAL

    62.0/ 100
    4.74.7 out of 5 stars29 reviews

    Phase 1 Lagos NG, 25a Abayomi Shonuga Cres, Eti-Osa, Lekki 105102, Lagos, Nigeria

    Why ranked #18? ▾
    • Google rating92
    • Review volume49
    • Review recency27
    • Profile completeness100
    • Review sentiment50
    • Verification0

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

    Recent reviews

    • Abiodun A. ★★★★★ I would like to express my appreciation for the excellent service I received from Blackstone Capital Limited. A special thank you to Martha, who was exceptionally professional, helpful, and attentive throughout my experience. Her support made the process smooth and pleasant. Truly outstanding service
    • ATES L. ★★★★★ My Experience with Blackstone Capital Limited has been a very fantastic one. They are very prompt, detailed and highly Organized with integrity. We as company wish to always work with Blackstone Capital Limited.
  • 19
    Diamond Bank — photo

    Diamond Bank

    58.2/ 100
    4.54.5 out of 5 stars33 reviews

    36 Admiralty Wy, Lekki Phase I, Lekki 105102, Lagos, Nigeria

    Review analysis

    Unique architecture and air-conditioned ATM arena with privacy-focused banking hall.

    • unique architecture
    • air-conditioned atm
    • privacy
    • friendly staff
    • ample parking
    • wheelchair accessible
    Why ranked #19? ▾
    • Google rating88
    • Review volume51
    • Review recency0
    • Profile completeness67
    • Review sentiment86
    • Verification0

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

Frequently asked questions

Which bank in Lagos has the highest rating?

Parallex Bank Limited has the highest rating among the top 5 highly rated banks in Lagos, with 4.7 stars from 44 reviews. Access Tower (Access Bank Head Office) follows closely with 4.6 stars from 541 reviews.

Which bank in Lagos has the most reviews?

Access Tower (Access Bank Head Office) has the most reviews among the top 5, with 541 reviews and a 4.6-star rating. This makes it a popular choice for customers in Lagos.

What are the top 5 highly rated banks in Lagos?

The top 5 highly rated banks in Lagos are: 1. Access Tower (Access Bank Head Office) – 4.6★ (541 reviews), 2. PremiumTrust Bank – 4.5★ (43 reviews), 3. Globus Bank – 4.5★ (128 reviews), 4. Parallex Bank Limited – 4.7★ (44 reviews), and 5. Abbey Mortgage Bank Plc – 4.5★ (36 reviews).

Is Access Bank in Lagos highly rated?

Yes, Access Tower (Access Bank Head Office) in Lagos is highly rated with 4.6 stars from 541 reviews, making it the most reviewed bank in the top 5 list.

How are these bank rankings determined?

Rankings are based on a methodology that includes Google rating, review volume, recency of reviews, profile completeness, verification status, and paid placement. This ensures a comprehensive view of each bank's reputation in Lagos.

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