GTBank Savings (GTSave / GT Target) — review & details

In Savings & fixed deposits · By the Rateweb editorial team · How we rate · Details checked 1 Aug 2026

Guaranty Trust Bank's savings stable spans an everyday account (GTSave), a goal-based plan (GT Target) and youth accounts, all inside one of Nigeria's largest CBN-licensed commercial banks with the strongest retail app reputations among the incumbents.

GTBank Savings (GTSave / GT Target)

Guaranty Trust Bank's savings stable spans an everyday account (GTSave), a goal-based plan (GT Target) and youth accounts, all inside one of Nigeria's largest CBN-licensed commercial banks with the strongest retail app reputations among the incumbents.
★★★★☆
3.9/5 · How we rate
Standard CBN-regulated savings tariffs apply
Monthly Fee
CBN commercial bank (GTCO group)
Licence
NDIC-insured (to ₦5m, commercial bank tier)
Deposit Safety
Goal saving inside a big-bank relationship
Best For
traditional
Type
Pros
  • Full commercial-bank safety net and NDIC cover at the ₦5m tier
  • GT Target adds structured goal saving on top of the ordinary GTSave account
  • Deep channel mix — internet banking, mobile app, *737# USSD and branches
Cons
  • Savings rates at the big incumbents sit well below digital-app headline rates
  • Goal accounts discourage early withdrawal — dipping in costs you interest
  • Branch-grade paperwork if you want more than a basic tier
Fees, eligibility & documents
Fees
Account maintenancePer CBN's regulated bank-charges guide
Early withdrawal (GT Target)Breaking the savings pattern affects interest earned
Eligibility
  • Individuals resident in Nigeria
  • BVN required
  • Minors via Smart Kids Save with a parent/guardian
Documents needed
  • Valid ID
  • BVN
  • Passport photograph; utility bill for full-tier accounts
Visit GTBank

How GTBank Savings (GTSave / GT Target) compares in savings & fixed deposits

GTBank Savings (GTSave / GT Target) scores 3.9/5 in our savings & fixed deposits rankings. Our current top pick is Cowrywise (4.3/5). Always compare a few before you decide — see the full savings & fixed deposits comparison.

GTBank Savings (GTSave / GT Target)
3.9/5 · this page
 Cowrywise
4.3/5
 PiggyVest
4.2/5
Monthly Fee Standard CBN-regulated savings tariffs apply — —
Licence CBN commercial bank (GTCO group) — —
Deposit Safety NDIC-insured (to ₦5m, commercial bank tier) Not NDIC-insured Not NDIC-insured
Best For Goal saving inside a big-bank relationship Mutual funds, naira + dollar, Halal Saving discipline + auto-save
Visit GTBank → Visit Cowrywise → Visit PiggyVest →

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Details last checked: July 2026

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