Zenith Bank has been my main bank for over 8 years, and the experience has been decent overall. Their mobile banking app (Zenith Bank App) is fast and generally reliable, although it sometimes logs you out unexpectedly or refuses to open during network maintenance windows. I appreciate that transactions (especially transfers) are quick and usually confirmed instantly. However, customer service in-branch can be slow, and I’ve had to wait over 30 minutes just to make simple enquiries, also you will need to visit the bank if your phone is lost. One plus is that they rarely have ATM network downtime, and their USSD code is quite responsive even in areas with poor signal. Charges are standard, but clearer breakdowns would help.
