Our story
We combine technology, responsible finance and sound risk management to help our customers save, grow, invest and achieve their goals.
CitadeleCapitals Microfinance Bank was established to address the financing and financial-access challenges faced by individuals, entrepreneurs and small businesses that conventional banking often overlooks.
We are building a modern microfinance institution rooted in trust and integrity, financial inclusion, responsible lending, innovation, strong governance and prudent risk management — one that makes financial services more convenient and relevant to everyday Nigerians.
Our vision
To become a leading technology-enabled microfinance bank providing inclusive, innovative and sustainable financial solutions across Nigeria.
Our mission
To empower individuals and businesses through accessible financial services, responsible credit, savings solutions, digital banking and exceptional customer experience.
Our core values
Seven values, held to in every product and every decision
Integrity
We conduct business with honesty, transparency and professionalism.
Customer Focus
Our customers are at the centre of everything we do.
Innovation
We embrace technology and new ideas to improve financial services.
Excellence
We pursue high standards in our products and operations.
Accountability
We take responsibility for our decisions and commitments.
Trust
We build lasting relationships with everyone we serve.
Inclusion
We make financial services accessible across communities and economic segments.
What we do
Banking for every stage of the journey
Savings & Deposits
Solutions that build financial discipline and help customers reach their goals.
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How we work
Responsible, inclusive, digital and secure
Responsible lending
Access to credit should come with responsible financial management. Our lending centres on eligibility assessment, repayment capacity, appropriate loan structuring, portfolio monitoring and customer protection — sustainable solutions that support customers while protecting the stability of the Bank.
Financial inclusion
We are expanding access to financial services for individuals, salary earners, entrepreneurs, MSMEs, cooperatives, youth-led businesses, women entrepreneurs and underserved communities — through technology and innovation.
Technology & digital banking
Our digital strategy spans onboarding, secure account access, electronic transactions, digital loan applications, self-service tools, payments and cybersecurity — a simple, secure and convenient experience.
Security & governance
Strong controls around account security, fraud prevention, cybersecurity, data protection and business continuity. The Board sets strategic direction; Executive Management runs day-to-day operations, in compliance with Nigerian law, AML/CFT, KYC and data protection standards.
Strategic priorities
Our journey
Built one stage at a time
01
Foundation
Business model, structure and vision.
02
Establishment
Governance and operational framework.
03
Regulatory Development
Compliance framework for sustainable operations.
04
Customer Growth
Expanding our customer base and product range.
05
Digital Transformation
Investing in technology.
06
Expansion
Growing reach, partnerships and inclusion initiatives.
Who leads it
The Board of Directors
The Board sets the Bank’s strategic direction; Executive Management, led by the Managing Director, runs day-to-day operations.
Our employees drive our success. We foster professionalism, continuous learning, teamwork, accountability and ethical conduct — because a strong institution needs competent, motivated people behind it. Work with us.
Our commitment to customers
What you can hold us to
At CitadeleCapitals, our ambition goes beyond banking. We want to help people save better, access finance responsibly, grow their businesses, and build stronger financial futures — contributing to a more inclusive and sustainable Nigerian economy.
Convenient banking
Built around real needs.
Responsible finance
Fair risk and affordability standards.
Professional service
Respectful and responsive, always.
Strong security
For your information and your transactions.
Transparency
In how we communicate and how we operate.
Innovation
That makes access easier.
Why choose CitadeleCapitals?
Customer-centred
Accessible
Technology-driven
Responsible
Professional
Future-focused
Licensed by the CBN · Deposits insured by NDIC
Open an account in about five minutes
Your BVN, a photo of your ID, and a phone number in your name. That is the whole list.