I have ₦500,000 to invest for dividends. Torn between:

**Access Bank ₦23.50**
- Dividend yield: 9.2%
- Just acquired another bank in Kenya
- Risk: High exposure to Ghana debt

**GTCO ₦45.00** 
- Dividend yield: 7.8%
- Best digital bank in Nigeria 
- Risk: CBN fines last quarter

Both paid dividends in March 2026.

NGX traders — which one are you buying and why? 

If you had ₦500k today, where’s it going? Access, GTCO, or something else like MTN/UACN?

Let’s debate. Best comment gets a free call with me to review their portfolio.

P.S. No financial advice. Just sharing ideas with fellow founders.