10 Largest Banks in Nigeria by Branch Network in 2026

Despite the rapid growth of digital banking, physical branches remain essential in Nigeria for cash transactions, SME banking, customer support, and financial inclusion. Based on banks’ 2025 annual reports, investor presentations, and official branch information compiled by industry analysts, these are the leading commercial banks by branch network in 2026. (Nairametrics)

1. Access Bank

Access Bank has the largest branch network in Nigeria, operating about 554 branches nationwide following years of expansion and its acquisition of Diamond Bank. (Nairaland)

2. FirstBank Nigeria

With around 550 branches, FirstBank remains one of the country’s most accessible banks, serving customers across urban and rural communities. It also boasts one of Nigeria’s largest agent banking networks. (Nairaland)

3. Zenith Bank

Zenith Bank ranks third with approximately 406 branches, supported by a strong nationwide presence and one of Africa’s largest banking networks. (Nairaland)

4. United Bank for Africa (UBA)

UBA operates hundreds of branches across Nigeria while maintaining a presence in over 20 African countries, making it one of the continent’s leading banking groups. (Nairametrics)

5. Ecobank Nigeria

Ecobank combines an extensive Nigerian branch network with operations across more than 30 African countries, serving both retail and corporate customers. (Nairametrics)

6. Union Bank

Union Bank maintains a broad nationwide branch network spanning all 36 states and the Federal Capital Territory, making it one of Nigeria’s oldest and most accessible commercial banks. (Wikipedia)

7. Fidelity Bank

Fidelity Bank has steadily expanded its footprint, strengthening its retail banking presence and SME services across Nigeria. (Real Estate in Nigeria)

8. First City Monument Bank (FCMB)

FCMB continues to grow its nationwide presence through a mix of physical branches, digital banking, and agency banking services. (Wikipedia)

9. Stanbic IBTC Bank

Stanbic IBTC maintains a strategic branch network focused on retail, investment, and wealth management services across major Nigerian cities. (kudicompass.com)

10. Wema Bank

Wema Bank rounds out the top ten, combining its nationwide branches with the success of its digital banking platform, ALAT. (kudicompass.com)

Why Branch Networks Still Matter

Although digital banking is growing rapidly, physical branches remain important for:

• Cash deposits and withdrawals
• SME and corporate banking
• Customer support
• Loan processing
• Financial inclusion in underserved communities

Banks with larger branch networks are often better positioned to serve customers nationwide, especially in areas where digital infrastructure is less developed. (Intelpoint)