This is my personal List:-

1. PalmPay:
This is the king of freebies for its users. PalmPay offers incentives, free cash, coupons, and vouchers as you make use of it constantly. It offers full banking features that you can use to send and receive money, deposit money with an ATM card, pay
electricity bills, etc.

2. Opay:
One of the pioneers of mobile wallets in Nigeria with many incentives. You can use this service to pay utility bills, fast and
secure bank transfers, and connect with friends. Opay offers over 15% Per Annum savings on your money. This money is not fixed, it can be used to pay bills, etc. The returns are daily and can be withdrawn anytime.

3. Kuda Bank:
Kuda Microfinance Bank is a full-fledged online bank. It offers similar features to other bank apps above.

4. ENaira (Speed) Wallet:
This is from the Central Bank of Nigeria. The idea of this App is to reduce the bulk transactions with physical cash. The App
only receives and sends to another ENaira wallet. This App is still very useless nonetheless.

Source:- https://www.agentnnamdi.com/enaira-vs-kudabank-opay-palmpay/