Location: Lagos, Nigeria Currency: NGN ₦ Nigerian Naira
ATMs in Lagos Murtala Muhammed Airport (LOS) Locations & Hours
Here’s a complete list of ATMs located inside Lagos Murtala Muhammed Airport (LOS), plus additional ATMs and banks near Lagos Murtala Muhammed Airport (LOS) for convenient cash withdrawals before or after your flight.
Zenith Bank (ATM / Bank Branch) — International Terminal (MMIA) Arrivals
- Location: International Arrivals hall (landside), near the main passenger exit / meeting area
- Hours: 24/7 (ATM access; subject to terminal access, power, and network availability)
Zenith Bank ATM — International Terminal (MMIA) Departures Check-in Hall
- Location: International Departures check-in level (landside), near the main check-in counters
- Hours: 24/7 (ATM access; subject to terminal access, power, and network availability)
Zenith Bank ATM — International Terminal (MMIA) Airside Departures
- Location: After security / immigration (airside), near the gates / retail corridor (if open to passengers)
- Hours: When airside is open for departing passengers (often 24/7 for late-night international operations)
Guaranty Trust Bank (GTBank) (ATM / Bank Branch) — International Terminal (MMIA) Arrivals
- Location: International Arrivals hall (landside), along the banking / payments side of the arrivals concourse
- Hours: 24/7 (ATM access; branch-counter hours vary)
GTBank ATM — International Terminal (MMIA) Departures
- Location: International Departures hall (landside), between airline check-in and security screening flow
- Hours: 24/7 (ATM access; subject to terminal access, power, and network availability)
Access Bank (ATM / Bank Branch) — International Terminal (MMIA) Arrivals
- Location: International Arrivals hall (landside), typically close to forex / bureau de change counters
- Hours: 24/7 (ATM access; branch-counter hours vary)
Access Bank ATM — International Terminal (MMIA) Departures
- Location: International Departures (landside), near passenger services and check-in queuing zones
- Hours: 24/7 (ATM access; subject to terminal access, power, and network availability)
United Bank for Africa (UBA) (ATM / Bank Branch) — International Terminal (MMIA) Arrivals
- Location: International Arrivals hall (landside), near the main concourse where transport / meet-and-greet happens
- Hours: 24/7 (ATM access; branch-counter hours vary)
First Bank of Nigeria (ATM / Bank Branch) — International Terminal (MMIA) Arrivals
- Location: International Arrivals hall (landside), near the banking / payments area in the arrivals concourse
- Hours: 24/7 (ATM access; branch-counter hours vary)
ATM Gallery (Multiple Banks) — International Terminal (MMIA) Landside Public Area
- Location: Landside public zone near the Arrivals hall exit (before you fully step out to the curbside pick-up lanes)
- Hours: 24/7 (ATM access; subject to terminal access, power, and network availability)
United Bank for Africa (UBA) (ATM / Bank Desk) — MMA2 Domestic Terminal Concourse
- Location: MMA2 main concourse (landside), near airline counters / central passenger flow
- Hours: 24/7 (ATM access; service-desk hours vary)
Zenith Bank ATM — MMA2 Domestic Terminal Concourse
- Location: MMA2 main concourse (landside), typically near retail / food court-side walkways
- Hours: 24/7 (ATM access; subject to terminal access, power, and network availability)
Access Bank ATM — MMA2 Domestic Terminal Concourse
- Location: MMA2 main concourse (landside), near passenger services / terminal retail zone
- Hours: 24/7 (ATM access; subject to terminal access, power, and network availability)
Fidelity Bank (ATM / Bank Desk) — MMA2 Domestic Terminal Concourse
- Location: MMA2 concourse (landside), along the main passenger corridor between entry and airline counters
- Hours: 24/7 (ATM access; service-desk hours vary)
ATM Gallery (Multiple Banks) — MMA2 Domestic Arrivals Exit (Landside)
- Location: MMA2 landside Arrivals exit area (near the point where passengers meet drivers / transport)
- Hours: 24/7 (ATM access; subject to terminal access, power, and network availability)
Wema Bank (ATM / Branch) — NAHCO Building (Airport Complex)
- Location: NAHCO Building, Airport Road (within the airport complex / aviation-services zone; short drive from terminals)
- Hours: 24/7 (ATM access; branch-counter hours vary)
UBA ATM — NAHCO Police Station (Airport Complex)
- Location: UBA ATM at/near the NAHCO Police Station area, Murtala Muhammed Airport Road (airport complex)
- Hours: 24/7 (ATM access; subject to power and network availability)
Fidelity Bank (ATM / Branch) — Airport Road, Orile Oshodi (Near LOS)
- Location: Airport Road corridor (Orile Oshodi area), commonly used by travelers approaching/leaving LOS
- Hours: 24/7 (ATM access; branch-counter hours vary)
Sterling Bank (ATM / Branch) — Airport Road, Ikeja (Near LOS)
- Location: Airport Road, Ikeja (near the airport approach road and hotels serving LOS passengers)
- Hours: 24/7 (ATM access; branch-counter hours vary)
Lagos Murtala Muhammed Airport (LOS) ATMs Walkthrough & Map
Follow the step-by-step walkthrough below to find ATMs when arriving at Lagos Murtala Muhammed Airport (LOS). For terminal maps and official airport info, visit Lagos Murtala Muhammed Airport (LOS) map/homepage.
International Arrivals (LOS / MMIA International Terminal)
- After landing, follow the airport signs for Immigration.
- Complete Immigration, then continue to Baggage Claim to collect your luggage.
- Proceed through Customs and follow the flow to the public Arrivals hall (landside).
- Once in the public Arrivals hall, slow down and look for signage reading ATM, Bank, or ATM Gallery.
- Head toward the banking/financial services side of the Arrivals hall (this is typically where ATMs and forex counters cluster).
- If one ATM is out of service, move to the next machine in the same bank/ATM cluster (airport ATMs can be affected by cash-outs, power, or network downtime).
- Withdraw only what you need to get into town comfortably (e.g., transport + a small buffer), then keep your cash secure before heading outside.
- After you withdraw, continue to the driver meeting / pick-up lanes outside the terminal.
- If you accidentally exit curbside first, you can usually re-enter the Arrivals hall and follow ATM signage back to the ATM area.
Domestic Arrivals (LOS / MMA2 Domestic Terminal)
- After landing, follow signs for Arrivals and Baggage Claim.
- Collect your luggage and follow the main passenger flow to the public Arrivals exit (landside).
- In the landside concourse, look for signs reading ATM or Bank (ATMs are typically placed where foot traffic is highest).
- Walk toward the central concourse near airline counters and retail—this is where bank desks and ATM points are commonly found.
- If you don’t see an ATM immediately, ask a security staff member: “Where is the ATM / ATM gallery?”
- Withdraw cash before you head out to ride-hailing/taxis, especially if you’ll need cash for small payments.
- If the concourse ATMs are down, your quickest backup is to use an ATM along Airport Road (or within the NAHCO aviation-services zone) before going deeper into Lagos.
Quick LOS Landmarks That Mean You’re Close
- International Terminal: If you’ve just cleared Customs and entered the public Arrivals hall, you’re in the right place—this is where the easiest, most traveler-friendly ATM options typically are.
- MMA2 Terminal: If you’re in the main concourse between terminal entry and airline counters, you’re in the best zone to spot ATMs.
- If you can see the curbside pick-up lanes and taxi/rideshare activity, you may be just past the most convenient ATM cluster—turn back inside and look for ATM / Bank signs.
Use the map below to find the nearest ATMs and banks near Lagos Murtala Muhammed Airport (LOS), especially if you can’t use the ATMs inside the airport or prefer to withdraw cash outside the airport.
ATM Withdrawal Tips & Advice for Lagos Murtala Muhammed Airport (LOS)
- Expect airport ATMs to behave like “off-site” ATMs for fee purposes. Under Nigeria’s CBN ATM fee framework (effective March 1, 2025), “not-on-us” withdrawals can include a base fee plus an additional surcharge for off-site locations—airports are commonly treated as off-site by banks. Always read the on-screen fee disclosure before confirming.
- Use your own bank’s ATM first if you can. If your Nigerian bank has an ATM in the LOS terminals (or nearby on Airport Road), using it can reduce or eliminate local “not-on-us” ATM fees compared with using another bank’s machine.
- International cards: assume your home bank will charge too. Even if the Nigerian ATM fee looks small, your card issuer may add a foreign cash withdrawal fee and a currency conversion margin. If you’re traveling with multiple cards, try the one that reimburses ATM fees first.
- Withdraw a “Lagos starter amount,” then reassess. Many travelers only need enough cash for transport, tipping/porter help, and small purchases. If you’re landing late, withdraw enough to get to your accommodation and plan a second withdrawal in daylight if needed.
- Have a backup plan if the first ATM fails. At LOS, the fastest backup is often another bank’s ATM in the same Arrivals hall cluster (international) or the MMA2 concourse cluster (domestic). If multiple machines are down, consider ATMs around NAHCO or along Airport Road.
- Be mindful of cash-outs and network downtime. Lagos airport ATMs can run out of cash during peak international arrival banks (late evening) or experience network issues. If you see a long queue, it can be a sign that only one machine is working.
- Ask for smaller denominations if you need change quickly. Some ATMs dispense larger notes. If you need smaller bills for taxis or tips, consider withdrawing a smaller amount first or making a small purchase inside the terminal (when possible) and asking for change.
- Security and privacy: use the terminal’s “controlled” zones. If possible, withdraw from ATMs located inside the Arrivals hall (with visible security and lighting) rather than from isolated machines outside.
- Keep your receipt until you’ve checked your banking app. If you get debited without receiving cash, the receipt (or the on-screen reference) helps when raising a dispute with your bank.
- If you’re connecting between terminals, don’t wait until the last minute. LOS terminals are separated, and ground transfer time can be unpredictable. Withdraw before you start a terminal-to-terminal transfer if you expect you’ll need cash immediately.
FAQs – Lagos Murtala Muhammed Airport (LOS) ATMs
Are there ATMs inside Lagos Murtala Muhammed Airport (LOS)?
Yes. LOS has ATMs inside the terminals, with the easiest access typically in the public (landside) Arrivals areas. MMA2 (domestic) also commonly has ATM points in the main concourse.
Which terminal should I use for the easiest ATM access on arrival?
If you’re arriving internationally, the most convenient ATM options are usually in the International Arrivals public hall after Customs. If you arrive domestically at MMA2, look in the landside concourse near the highest-traffic passenger corridor.
What fees should I expect when withdrawing at LOS airport ATMs?
Fees depend on whether you’re using your own bank’s ATM (“on-us”) or another bank’s ATM (“not-on-us”), and whether the ATM is considered on-site (at a branch) or off-site (common for airport locations). The ATM screen should disclose any surcharge before you confirm—always read it and cancel if the fee looks too high.
What currency do LOS airport ATMs dispense?
Typically Nigerian naira (NGN). If an ATM offers a “conversion” option for foreign cards, choose carefully—some conversions can be expensive.
What if the ATM debits my card but doesn’t dispense cash?
Take a photo of the screen message if possible, keep the receipt, and note the ATM location and time. Then contact your card issuer/bank and file a dispute using those details. Avoid trying the same “failed” machine repeatedly.
Are LOS airport ATMs available late at night?
ATMs in public terminal areas are commonly accessible 24/7 as long as the terminal area is open. However, availability can be affected by power/network issues or cash-outs during peak arrival waves.
Where is the best backup if the terminal ATMs aren’t working?
Try another bank’s ATM in the same terminal first. If several are down, consider ATMs in the airport complex business zone (e.g., around NAHCO) or along Airport Road before you head deeper into Lagos traffic.
Can I rely on POS/card payments instead of cash right after landing?
Some services accept cards, but many small or “first-mile” needs (tipping, small fees, certain taxis, quick purchases) can still be cash-heavy. Having a small amount of NGN from an airport ATM can save time and friction.
Lagos Airport Related Services
- BOOK an AIRPORT HOTEL in Lagos or SLEEPING PODS
- RENT a CAR in Lagos Airport or BOOK a PRIVATE TRANSFER
- STORE your LUGGAGE in Lagos Airport or NEARBY
- BUY a LOCAL eSIM for Lagos, Nigeria or a GLOBAL eSIM