Top 10 banks with the largest branch networks in Nigeria in 2026

Nigeria’s top lenders are holding firm on physical banking, expanding branch networks even as digital adoption soars.

Physical banking remains a core strategy for Nigerian banks despite the rise of digital channels, according to Nairametrics Research.

The 10 largest banks by branch network in 2026 are:

1. Access Bank – 772 branches.
2. FirstBank – 653 branches.
3. Zenith Bank – 501 branches.
4. United Bank for Africa (UBA) – 419 branches.
5. Union Bank – 316 branches.
6. Fidelity Bank – 255 branches.
7. FCMB – 240 branches.
8. Wema Bank – 170 branches.
9. Sterling Bank – 169 branches.
10. Polaris Bank – 141 branches.

The ranking, compiled from 2025 annual reports, investor presentations and branch locator data, shows banks are prioritising nationwide access and financial inclusion alongside digital growth, Nairametrics reported.