Best Phones Under 400k in Nigeria (October 2026): Real Prices and Honest Picks

If you have between ₦300,000 and ₦400,000 to spend, you are in the sweet spot of the Nigerian phone market. This is where you start getting AMOLED screens, cameras with optical image stabilisation (OIS), 5G, and batteries that can survive a day of NEPA wahala. It is also where it gets confusing, because almost every brand has three or four phones fighting for your money.

This guide narrows it down. Every phone below is in stock at Mphones today, and every price is our actual store price, checked on 24 October 2026. No “from” prices and no guesswork.

Quick answer: the best phone under 400k for most people

• Best overall Samsung under 400k: Samsung Galaxy A36 5G, ₦395,000 (128GB)
• Best battery life: Xiaomi Redmi Note 17, ₦371,000 (6GB/128GB)
• Best camera phone under 400k: Redmi Note 14 Pro, ₦385,000 (8GB/256GB)
• Best for gaming and 5G speed: Infinix Hot 70 Pro, ₦394,900 (6GB/128GB)
• Best phone under 300k: Samsung Galaxy A17 5G, ₦289,800 (4GB/128GB)

Comparison table: phones under ₦400,000 at Mphones

Prices are Mphones store prices on 24 October 2026 and can change. Always check the product page for today’s price.

The best phones under 400k in Nigeria, explained

1. Samsung Galaxy A36 5G: best all-rounder (₦395,000)

The Galaxy A36 5G is the phone we recommend when someone says “I want a phone I can use for four or five years.” It runs on the Snapdragon 6 Gen 3 chip, has a 6.7-inch Super AMOLED screen at 120Hz, 45W charging, and IP67 dust and water resistance. Samsung also promises six major Android upgrades for this model, which matters if you use banking apps that drop support for old Android versions.

It is the most expensive phone on this list, but it comes with our 2-year Samsung warranty, the longest we offer. The 256GB version is ₦531,600 if you need more space.

Choose it if: you want a Samsung, 5G, and long software support.

2. Xiaomi Redmi Note 17: best battery under 400k (₦371,000)

Light is not stable for most of us, so battery size is a real buying factor in Nigeria. The Redmi Note 17 has a huge 7,700mAh silicon-carbon battery with 45W charging, the largest on this list. You also get a very big 6.99-inch AMOLED display at 120Hz and IP65 dust and water resistance.

The trade-off is performance. The Snapdragon 6s 4G Gen 2 is fine for WhatsApp, TikTok, YouTube and banking apps, but it is not a gaming chip, and the phone is 4G only. The 8GB/256GB version is ₦429,000, which is above this budget.

Choose it if: battery life matters more to you than gaming or 5G.

3. Redmi Note 14 Pro: best camera phone under 400k (₦385,000)

For photos, the Redmi Note 14 Pro is the strongest pick here. It has a 200MP main camera with OIS, which helps keep shots sharp at night or when your hand moves. Add a 120Hz AMOLED screen, a 5,500mAh battery with 45W charging, Dolby Atmos stereo speakers and NFC.

At ₦385,000 you also get 8GB RAM and 256GB storage as standard, so you won’t run out of space for photos and videos quickly.

Choose it if: you post a lot of photos, sell products online, or want lots of storage.

4. Infinix Hot 70 Pro: best for gaming and 5G (₦394,900)

The Hot 70 Pro is the performance pick. It uses the MediaTek Dimensity 7100 5G chip, has a 144Hz display for smooth gaming, and a 6,000mAh battery with 45W charging. The main camera is a 50MP Sony IMX882 sensor.

One thing to know: the screen is an LTPS LCD, not AMOLED, so colours are less punchy than on the Samsung or Redmi phones. Gamers usually don’t mind.

Choose it if: you play games like CODM or eFootball and want 5G.

5. Samsung Galaxy A27: newer Samsung, cheaper than the A36 (₦360,300)

The Galaxy A27 uses the same Snapdragon 6 Gen 3 chip as the A36, with a 6.7-inch Super AMOLED 120Hz screen, a 50MP main camera with OIS, 5G and a 5,000mAh battery. Samsung promises six major Android upgrades here too. The main differences from the A36 are slower 25W charging and IP64 splash resistance instead of IP67.

Choose it if: you want Samsung’s long update promise and 5G for about ₦35,000 less than the A36.

6. Tecno Camon 40: best for selfies (₦345,000)

The Camon 40 has a 32MP front camera, a 50MP OIS main camera, a 6.78-inch AMOLED screen at 120Hz, a 5,200mAh battery with 45W charging, and Dolby Atmos dual speakers. It runs on the Helio G100 Ultimate chip. You also get 8GB RAM at the base price.

Choose it if: you take a lot of selfies and video calls.

7. Xiaomi Redmi Note 15: brightest screen for outdoor use (₦330,900)

The Redmi Note 15 has a 6.77-inch AMOLED screen rated for up to 3,200 nits peak brightness, so it is easy to read under the Port Harcourt sun. It also has a 108MP main camera, a 6,000mAh battery and the Helio G100-Ultra chip. The 8GB/256GB version is ₦369,700.

8. Infinix Note 50: most features for the money (₦319,000)

For ₦319,000 you get 8GB RAM, 256GB storage, a 144Hz AMOLED screen, a 50MP OIS camera, JBL-tuned speakers, 45W wired charging and 30W wireless magnetic charging. That is a lot of phone for the price.

Best phone under 300k in Nigeria: Samsung Galaxy A17 5G (₦289,800)

If ₦400,000 is too much, the Galaxy A17 5G is our pick under ₦300,000. It is one of the cheapest 5G Samsung phones we sell, with a 6.7-inch Super AMOLED screen, a 50MP OIS main camera, a 5,000mAh battery and six promised Android upgrades. The 6GB/128GB version is ₦320,000 and the 8GB/256GB version is ₦370,000.

Want something even cheaper? Read our guide to the best phones under 200k in Nigeria.

How to choose a phone under 400k in Nigeria

Do you really need 5G?

5G coverage in Nigeria is still mostly in parts of big cities. A 5G phone such as the Galaxy A36, A27, A17 5G or Infinix Hot 70 Pro is a good idea if you plan to keep the phone for three years or more. If you mostly use WhatsApp, social media and calls, a strong 4G phone like the Redmi Note 17 will serve you well.

Battery and charging

Look for at least 5,000mAh, and 45W charging if you rely on short bursts of power from generator or solar. A big battery with slow charging can be frustrating when light only comes for an hour.

Storage and RAM

128GB fills up fast with WhatsApp media. If you keep lots of videos, go for 256GB, like the Redmi Note 14 Pro or Infinix Note 50. 6GB RAM is fine for most people; 8GB is better for gaming and heavy multitasking.

Software updates and warranty

Samsung offers the longest Android update promises in this price range. At Mphones, every Samsung phone comes with a 2-year warranty, and all other brands come with a 13-month warranty.

Frequently asked questions

What is the best phone under 400k in Nigeria right now?

For most people, the Samsung Galaxy A36 5G at ₦395,000 is the best all-round phone under 400k because of its Snapdragon 6 Gen 3 chip, IP67 rating, 45W charging and six promised Android upgrades. If battery life matters most, pick the Redmi Note 17 at ₦371,000.

What is the best phone under 300k in Nigeria?

The Samsung Galaxy A17 5G at ₦289,800 (4GB/128GB) is our top pick under 300k. It gives you 5G, a Super AMOLED screen and Samsung’s long update support.

Which phone under 400k has the best camera?

The Redmi Note 14 Pro (₦385,000) has a 200MP main camera with OIS. For selfies, the Tecno Camon 40 (₦345,000) with its 32MP front camera is a strong choice.

Are these phones original, and do they come with a warranty?

Yes. Every phone at Mphones is brand new and comes with a warranty: 2 years for Samsung and 13 months for other brands. You can return a phone within 7 days.

Can I pay on delivery in Port Harcourt?

Yes. Pay on delivery is available in Port Harcourt and Obio-Akpor. Everywhere else, you can pay securely by card through Paystack at checkout.

Buy your phone from Mphones in Port Harcourt

You can order online 24/7 at mphones.com.ng or visit our shop at 25 Airport Road, Port Harcourt, open 8 AM to 7 PM. We offer same-day delivery in Port Harcourt and environs and next-day delivery elsewhere in Rivers State.

Browse more phones by brand: Samsung, Redmi, Infinix and Tecno.

Not sure which one fits you? Send us a message on WhatsApp at 0809 225 1131 and tell us your budget and what you use your phone for. We’ll help you pick.