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    ATM Fee Guide
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    ATM Fees in Nigeria

    Nigerian Naira (NGN) • Updated April 2026

    Nigeria has growing card acceptance in Lagos and major cities. ⚠️ IMPORTANT: Currency is extremely volatile and inflation is very high. Prices in NGN can change rapidly. Cash is still widely used. ATMs are available but foreign cards may have issues. Mobile money is growing.

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    Tips for Nigeria

    • • Cards work at hotels and malls in Lagos
    • • Cash still widely needed
    • • Currency is extremely volatile - prices change rapidly
    • • POS (Point of Sale) network failures are common - always carry backup cash or multiple cards
    • • GTBank and Zenith have most ATMs
    • • Foreign cards may have issues
    • • Lagos is more card-friendly
    ✈️

    Airport tips

    • • Lagos airport has ATMs
    • • Foreign cards may not work
    • • Bring some USD as backup
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    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Nigeria, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    46,000-127,000 NGN

    NGN/day

    🏨 Accommodation25,000-60,000 NGN
    🍜 Food & drinks8,000-22,000 NGN
    🚌 Transport5,000-15,000 NGN
    🎟️ Activities8,000-30,000 NGN

    ≈ $33.29-91.92 USD

    Mid-range

    Hotels, restaurants, mix of transport

    192,000-425,000 NGN

    NGN/day

    🏨 Accommodation100,000-200,000 NGN
    🍜 Food & drinks30,000-75,000 NGN
    🚌 Transport22,000-60,000 NGN
    🎟️ Activities40,000-90,000 NGN

    ≈ $139-308 USD

    Luxury

    Premium hotels, fine dining, private transport

    660,000-1,605,000 NGN

    NGN/day

    🏨 Accommodation375,000-900,000 NGN
    🍜 Food & drinks90,000-225,000 NGN
    🚌 Transport75,000-180,000 NGN
    🎟️ Activities120,000-300,000 NGN

    ≈ $478-1,162 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Nigeria.

    Credit card acceptance

    Moderate (Lagos)

    Growing in major cities. Cash still essential for most transactions. POS network failures common.

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    You'll need cash for

    • • Local restaurants
    • • Markets
    • • Transport
    • • Small shops
    • • Outside Lagos
    • • Backup for POS failures
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    Cards usually accepted

    • • Hotels
    • • Shopping malls
    • • Chain restaurants
    • • Supermarkets in cities

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    GTBank200-500 NGN~1.00 USD250
    Zenith Bank200-500 NGN~1.00 USD300
    Access Bank200-500 NGN~1.00 USD200

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    Zenith Bank200-500 NGN~1.00 USD300
    GTBank200-500 NGN~1.00 USD250
    Access Bank200-500 NGN~1.00 USD200

    🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Nigeria:

    Ecobank
    View all ATM alliances →

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