Fixed Deposit
Lend the bank your money for a fixed term at a rate agreed on day one.
22%
₦610,000
Your capital is insured by the NDIC. Break it early and you earn 8% instead.
Grow it. Borrow against it.Spend it. All in one place.
A licensed microfinance bank that works like your favourite app.
8,710+ clients borrowing and investing with us
Grow
Up to 22% a year
Save
Locked until you need it
Borrow
Against your savings
Spend
A card that works
Ajo
Your group, our vault
Bills
Light, airtime, data
What the app does
One place
Everything you do with money, on one screen
Your balance, your savings, your loan limit and your bills — not four apps and three passwords. Open it and the whole picture is already there.
Grow
Interest you can watch land
Your balance earns every day and pays on the first of the month. The app shows you what you earned and for which days — not a rounded figure at the end.
Borrow
A limit you already qualify for
Because we can see your savings, there is no form and no guarantor. Take what you need, keep earning on the rest, and repay whenever you are ready.
Spend
A card, and the bills paid from the same balance
Freeze it in the app the moment it goes missing. Light, airtime and school fees come out of the same money that is earning, so nothing has to be moved first.
One place
Everything you do with money, on one screen
Your balance, your savings, your loan limit and your bills — not four apps and three passwords. Open it and the whole picture is already there.
Grow
Interest you can watch land
Your balance earns every day and pays on the first of the month. The app shows you what you earned and for which days — not a rounded figure at the end.
Borrow
A limit you already qualify for
Because we can see your savings, there is no form and no guarantor. Take what you need, keep earning on the rest, and repay whenever you are ready.
Spend
A card, and the bills paid from the same balance
Freeze it in the app the moment it goes missing. Light, airtime and school fees come out of the same money that is earning, so nothing has to be moved first.
CBN MFB licence
NDIC insured
SEC Nigeria- 480,000+
Rates
Every rate we pay, and every rate we charge
One page, no tiers you have to qualify for, and no rate that quietly drops after your first three months.
Paid on the first working day of every month.
- Flex Savings
- 12%
- Target Savings
- 16%
- Business Savings
- 12%
Borrow
Borrow against your savings, not instead of them
Up to 70% of what you have saved, in under three minutes. The rest keeps earning at its own rate while you hold the loan.
- No form, no guarantor and nobody to visit
- Repay early and you pay less — no penalty
- No arrangement fee and no insurance we added for you
Invest
Put your money to work at up to 24% a year
Three ways in, from ₦25,000. Each one says what it pays, how long your money is tied up, and what can go wrong.
Treasury Note
Hold Federal Government paper through us, in units you can afford.
19.4%
The rate is set at auction and moves. What you are quoted on the day is what you get.
Agric Fund
Fund vetted farms and processors across the middle belt.
24%
Not a deposit and not NDIC insured. A bad season can return less than you put in.
Agents
Somebody who takes cash, in your own market
Because most of this country still gets paid in notes, and an app cannot count them for you.
1,916agents across 28 states
- Open your account
- Take cash in and pay cash out
- Sort out a problem in person
Run a shop? Become an agent and earn a commission on every deposit, withdrawal and account you open.
A bank that understands a shop is not a company, it is somebody’s afternoon.
Business
Four things a trading business actually needs
38,400+ shops, stalls, salons and workshops bank with us. Open an account with your CAC certificate and a director’s ID.
A business account
Keep trading money apart from your own and earn 12% a year on the balance.
Working capital
Buy stock now and repay as it sells, on a schedule that matches your season.
Asset finance
Take the freezer, the generator or the grinder today and pay it off monthly.
Cooperative lending
Borrow as a registered group with the group standing behind the loan.
Customers
What 480,000 people came here to do
“I used to break my savings every time I needed to restock. Now I borrow against it, the savings keep earning, and I pay back after the goods sell.”
Ngozi O.
“The agent is two streets from my shop. I drop my takings there in the evening and it shows in the app before I get home.”
Musa B.
“I set a target for my daughter's fees in January and did not think about it again. The money was there in September.”
Amaka N.
- customers
- 480,000+
- agents in 28 states
- 1,916
- top rate we pay
- 22%
- licensed and trading
- 9 years
Learn
Work out what a loan actually costs before you take one
As featured in
- BusinessDay
- TechCabal
- The Guardian Nigeria
- Nairametrics
- Punch
Your bank, your savings and your loan limit.
All in your pocket.
Free on iPhone and Android. Open an account with your BVN and an ID in about five minutes.