Nigerian banks and financial institutions have informed customers of early or full branch closures nationwide as the country prepares for the upcoming Christmas, Boxing Day, and New Year holidays. The notifications come as the federal government declares public holidays that will affect regular banking operations.
In messages sent to customers, several banks said they will close branches earlier than usual on key dates to allow staff and customers to prepare for festive celebrations and will fully suspend branch services on declared holidays.
Changes to Branch Operations and Holiday Schedule
Customers are advised of the following temporary changes to branch operations:
- Tuesday, December 24, 2025: Branches will close early in the afternoon.
- Wednesday, December 25, 2025 (Christmas Day): All branches will remain closed.
- Thursday, December 26, 2025 (Boxing Day): Full closure continues.
- Wednesday, December 31, 2025: Early branch closures will take place.
- Thursday, January 1, 2026 (New Year): All branches will again be closed.
Bank Notices and Customer Guidance
Ecobank informed its clients that branches will close at 1:00 pm on both December 24 and December 31, encouraging the use of digital channels such as mobile apps, internet banking, and ATMs for uninterrupted access to funds.
Lotus Bank said all its branches will close by 3:00 pm on December 24, reopening on Monday, December 29, 2025, while Wema Bank announced early closure at 2:00 pm on both December 24 and December 31, with normal operations resuming after the holidays.
Banks have urged customers to plan ahead and conduct necessary transactions before branch closures. They have also assured that electronic banking services, including ATMs, mobile and internet banking, USSD codes, and card services, will remain available 24/7 throughout the holidays.
What This Means for MSMEs and Businesses
For micro, small, and medium enterprises (MSMEs) that rely on physical banking services for cash deposits, withdrawals, payroll, and other in-branch needs, these holiday closures mean that planning transactions in advance is essential. Using digital channels can help businesses maintain smooth operations even when physical branches are closed.
Banks’ reminders reinforce the importance of adopting mobile and internet banking solutions, especially for entrepreneurs, freelancers, and small businesses, to avoid disruptions during public holidays.
