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Nigeria’s financial environmental was significantly impacted by the growing concern over rising tariffs, especially in rural area where access to reasonably priced financial services remain scarce. This study examined the impact of rising bank tariffs on financial inclusion in rural Nigeria, with specific focus on Jos South Local Government Area of Plateau State. Using a survey research design and data collected from 400 respondents, the study employed descriptive statistics, Pearson correlation, and regression analysis to assess the effects of bank charges, transaction fees and SMS charges. Findings revealed that rising bank charges and SMS fees significantly hinder financial inclusion, while transaction fees showed no significant effect. This implies that persistent cost barriers discourage rural dwellers from engaging with formal banking channels, thereby slowing Nigeria’s financial inclusion agenda. The study concluded that the affordability of financial services remains central to shaping the financial behavior of rural populations. It was therefore recommended that banks should introduce affordable services and charges that matches the financial capacity of rural customers. The attention of banks should also be directed toward improving the accessibility and convenience of banking services in rural areas. Finally, mobile banking and SMS-based financial services should be provided at affordable costs for rural customers.