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When I first started learning about low-risk investments in Nigeria, Treasury Bills sounded confusing. I knew they were government-backed and “safe,” but I had no idea where to buy them or which bank offered the best rates.
If you’ve felt that same confusion, you’re not alone. Every week, I get messages from readers asking questions like: “Which bank gives the best yield on Treasury Bills?” or “Can I buy T-Bills online?”
And it’s a fair concern—because not all banks offer the same experience. Some make the process easy and transparent. Others? Not so much.
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That’s exactly why I created this guide.
In this post, I’ll break down the best Nigerian banks for Treasury Bills in 2025—based on ease of access, customer service, yield competitiveness, and digital convenience. Whether you’re investing ₦50,000 or ₦5 million, you’ll know exactly which banks to trust and why.
Let’s dive in.
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What to Look for in a Good Bank for Treasury Bills
Before selecting a bank, consider the following:
- Access to both CBN primary auctions and secondary market
- Competitive rates (yield on discount)
- Timely processing and bid submission
- Digital channels (internet or mobile banking) for easy investment
- Transparency on fees, yields, and processes
Top Banks for Treasury Bills in Nigeria (2025)
1. Stanbic IBTC Bank
Why it stands out:
- Strong digital platform with investment options via Stanbic IBTC Mobile App
- Offers access to both primary and secondary market T-Bills
- Responsive treasury team for large investors
- Option to invest via Stanbic IBTC Asset Management
Minimum Investment: ₦50,000 (Primary)
Interest Payout: Upfront discount
TJ News Nigeria learnt Stanbic is favored by high-net-worth and retail investors alike.
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2. United Bank for Africa (UBA)
Why it stands out:
- Offers Treasury Bills through both branches and UBA Mobile/Internet banking
- Strong customer service for investment queries
- Periodic SMS/email alerts on upcoming auctions
Minimum Investment: ₦100,000
Tenors: 91, 182, 364 days
Ease of Use: High — especially via UBA Online Banking
3. Access Bank
Why it stands out:
- Dedicated Treasury Department for large orders
- Walk-in and mobile banking options available
- Often provides competitive yields on the secondary market
Minimum Investment: ₦50,000+
Settlement: T+1
Platform: Access More App or via branch
4. First Bank of Nigeria
Why it stands out:
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- Long-standing reputation in fixed-income services
- Treasury Bills available at over 700 branches nationwide
- Robust support for older investors who prefer in-branch services
Best for: Traditional investors, pensioners
Disadvantage: No direct mobile option for T-Bills as of 2025
5. FBNQuest (Subsidiary of First Bank)
Why it stands out:
- Professional investment advisory services
- Provides institutional-level access to Treasury Bills, Bonds, and CPs
- Great for investors looking for diversification
Minimum Investment: ₦100,000
Note: Primarily for investors seeking higher returns with portfolio guidance
6. GTBank (Guaranty Trust Bank)
Why it stands out:
- Simple T-Bill purchase process at branch level
- Some access via GTWorld app for account-holders
- Clear documentation and email confirmations
TJ News Nigeria gathered that GTBank is ideal for investors who prioritize security and convenience.
7. Zenith Bank
Why it stands out:
- Dedicated Relationship Managers for treasury clients
- Easy access to primary auction forms
- Good coordination with CBN auction calendar
Disadvantage: May not offer the best yield for small investors
Bonus: Digital Platforms Backed by Banks
Some Nigerian banks partner with fintech platforms to offer T-Bills online:
- Cowrywise (Partners with Meristem, ARM)
- Chaka and Bamboo (Secondary market access)
- Trove and Wealth.ng (DMO bonds + T-Bills)
These platforms offer convenience but often charge fees or slightly lower yields compared to direct bank purchases.
Requirements to Buy Treasury Bills via Banks
- BVN-linked bank account
- Valid means of identification
- Completed investment form
- Sufficient balance for bid (usually ₦50,000+)
- Active mobile/email for updates
When to Buy: Treasury Bills Auction Calendar
CBN conducts Treasury Bills auctions bi-weekly (every 2 weeks), mostly on Wednesdays. You must submit your bid via your bank before the auction deadline, usually 12–24 hours earlier.
Track upcoming auctions on:
- www.cbn.gov.ng
- Your bank’s investment desk or alerts
Summary: Best Banks by Category
| Category | Best Bank |
|---|---|
| Best Digital Access | Stanbic IBTC |
| Best Customer Support | UBA |
| Best for New Investors | Access Bank |
| Best Traditional Option | First Bank |
| Best for Large Investors | FBNQuest / Zenith Bank |
| Best App-Based Convenience | GTBank, UBA |
🔁 Related Articles
- How to Invest in Treasury Bills in Nigeria (2025 Guide)
- Treasury Bills vs. FGN Savings Bonds: Which Should You Choose?
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