ProvidusUnity Bank — review & details

In Bank accounts · By the Rateweb editorial team · How we rate · Details checked 1 Aug 2026

Providus Bank, now branding as ProvidusUnity Bank following its combination with Unity Bank, and listed on the NDIC commercial-bank register (as Providus Bank Plc). Personal range spans current, savings, salary, youth and affluent accounts with online account opening.

ProvidusUnity Bank

Providus Bank, now branding as ProvidusUnity Bank following its combination with Unity Bank, and listed on the NDIC commercial-bank register (as Providus Bank Plc). Personal range spans current, savings, salary, youth and affluent accounts with online account opening.
★★★★☆
3.8/5 · How we rate
Not published on the site — confirm before opening
Monthly Fee
CBN-licensed commercial bank (NDIC commercial-bank register, listed as Providus Bank Plc)
Licence
NDIC-insured — cover up to N5m per depositor (2024 limit)
Deposit Safety
Upwardly-mobile customers who want a smaller full-service bank with online onboarding
Best For
traditional
Type
Pros
  • Full personal range: current, savings, salary, youth and affluent accounts
  • Online account opening plus the ProvidusPlus app for transfers, airtime and bills
  • NGN, USD and GBP denominated cards offered
Cons
  • Mid-merger branding (Providus and Unity) — expect some transition friction in branches and paperwork
  • Product pages are thin: no rates, minimums or fees published
  • Smaller branch network than the tier-one banks on this page
Fees, eligibility & documents
Fees
Monthly maintenanceNot published on the site — confirm with the bank
Account openingNot published on the site — confirm with the bank
Eligibility
  • Individuals resident in Nigeria; diaspora accounts also offered
  • BVN required
Documents needed
  • Valid means of identification and BVN
  • Passport photograph and proof of address (confirm exact list with the bank)
Visit ProvidusUnity Bank

How ProvidusUnity Bank compares in bank accounts

ProvidusUnity Bank scores 3.8/5 in our bank accounts rankings. Our current top pick is Opay (4.3/5). Always compare a few before you decide — see the full bank accounts comparison.

ProvidusUnity Bank
3.8/5 · this page
 Opay
4.3/5
 Kuda
4.2/5
Monthly Fee Not published on the site — confirm before opening None None
Licence CBN-licensed commercial bank (NDIC commercial-bank register, listed as Providus Bank Plc) CBN national licence (Jan 2026) CBN microfinance bank
Deposit Safety NDIC-insured — cover up to N5m per depositor (2024 limit) NDIC-insured NDIC-insured (to ₦2m, MFB)
Best For Upwardly-mobile customers who want a smaller full-service bank with online onboarding Free transfers + agent cash-out App-first budgeting
Visit ProvidusUnity Bank → Visit Opay → Visit Kuda →

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Details last checked: August 2026

Ratings are Rateweb's editorial opinion. Product details are checked periodically but can change — confirm current terms with the provider before acting. We may earn a commission from some links, at no cost to you.