Nigerian banks earn N224.7bn from e-banking, ATM fees in Q1 2026

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Nigerian banks generated N224.69 billion from electronic banking services and ATM or card related charges in the first quarter of 2026. That is a 12.56 percent jump from the N199.61 billion recorded in the same period of 2025.

An analysis of the unaudited financial statements of 11 listed lenders showed the increase came as banks deepened digital banking adoption. Income from e-banking channels now makes up a large part of non-interest revenue.

Electronic banking and e-business income rose by 11.57 percent to N177.97 billion. ATM and card management fees climbed by 16.48 percent to N46.70 billion.

The growth in digital banking revenue matched a broader rise in fee income. Total fee and commission earnings of the 11 lenders went up by 13.64 percent to N984.47 billion. Account maintenance fee income also rose by 14.07 percent to N209.18 billion.

Among the lenders, Access Holdings recorded the highest e-banking earnings at N55.71 billion. UBA followed with N46.93 billion. Ecobank also posted strong figures.

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