This study investigates financial inclusion of smallholder arable crop farmers in Nigeria. Primary data were collected for the purpose of the study. Descriptive statistics and Logit regression model were employed in the analysis. The average age of the respondents was 43.67years and male actively participated in food crop production more than female. Though 64.16% of the respondents had access to banks within their community, only 27.65% are banked. Fear of insolvency (90.57%), lack of required form of identification (31.13%), lengthy process (29.72%) and distance to the nearest bank (50.94% ) are the main barriers to opening a bank account. Co-operative is the major means of savings as well as source of credit. Farmers awareness of agricultural insurance scheme is low, however, more than half of the farmers are willing to participate. Age, labour cost and cultivation of improved varieties had negative and significant effect on willingness to participate while awareness, years of formal education, credit access and membership of association had significant positive effect on willingness to participate. Hence, financial institutions should consider boosting their services to arable crop farmers and create enabling environment that will facilitate financial inclusion of farmers in Nigeria. Keywords: Financial services, Arable crops, Farmers, Nigeria Acknowledgement :