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Agent Banking

Turn your shop into a bank branch.

Take deposits, pay out withdrawals and open accounts for your community — and earn on every transaction.

Become an agentSee all rates

₦180,000average monthly commission

₦180,000
average monthly commission
₦50,000
float to start
1,900+
agents already trading
7 days
from applying to trading

How it works

How Agent Banking works

Four steps at the most, and none of them involves a branch.

  1. 1

    Apply with your shop

    A fixed location with a lock, your CAC registration, and ₦50,000 of float to open with.

  2. 2

    We train you and supply the POS

    Two days of training, then the terminal, the signage and the float account, at no cost to you.

  3. 3

    Serve your community

    Deposits, withdrawals, transfers, bill payments and account opening. You earn a commission on each one.

  4. 4

    Commission is paid weekly

    Every Monday, into your own account. You can see what you have earned in the app as it accrues.

In the app

This is Agent Banking, as you will actually see it

Not a screenshot. Everything in this phone is the same code the app is built from, drawn live in your browser.

Get the appBecome an agent

Mama Ngozi Stores

Float available
₦148,600
₦42,180
Commission this week
137
Transactions

Commission, last 8 weeks

Paid every MondayNext: 10 Aug

Today

Withdrawal · Adaeze U.₦20,000 · commission ₦120+₦120
Account opened · Musa B.Funded · commission ₦500+₦500

What you need

  • A fixed shop or kiosk that locks — not a table or a wheelbarrow.
  • A CAC business name registration.
  • Your BVN, NIN and a valid ID.
  • ₦50,000 of opening float.
  • One guarantor with a verifiable address.
  • Six months trading at the same location.

Every deposit with us is insured by the NDIC. You do not apply for that cover and you are not charged for it.

Become an agent

Rates and limits

Cash deposit
Of the amount, capped at ₦200
0.5%
Cash withdrawal
Of the amount, capped at ₦250
0.6%
Account opened
Per account, once it is funded
₦500
Bill payment
Per transaction
₦50
Float required
₦50,000 minimum

What it costs

The POS terminal
Ours, on loan, replaced if it fails
Free
Training and signage
Free
Settlement of your commission
Weekly, every Monday
Free
Terminal lost or damaged
Replacement cost
₦45,000

Questions

The things people ask before they start

If yours is not here, call us on the number at the bottom of this page and a person will answer.

Our agents averaged ₦180,000 a month in commission last year. The top quarter earned above ₦320,000 and the bottom quarter under ₦70,000. The difference is almost entirely footfall and how long the shop is open — it is not a passive income.

Float is your own cash and balance for paying out withdrawals. Run out and you simply cannot serve a withdrawal until you top up, which you can do at any Citadele branch or from your own account instantly. Most agents settle around ₦150,000 once they are busy.

Not when you have followed the process — that is what the training is for and why every transaction goes through the terminal. Taking cash without putting it through the POS is the one thing that does make you liable, and we say so plainly in training.

People also look at

Business Account

Keep the shop money out of your personal account.

10%a year, on your trading balance

Learn more about Business Account

Business Savings

Keep your trading money separate and earn on the balance.

12%a year, and you can still reach it

Learn more about Business Savings

Working Capital Loan

Buy stock now and repay as you sell.

From 4%a month, repaid daily or weekly

Learn more about Working Capital Loan

Licensed by the CBN · Deposits insured by NDIC

Open Agent Banking in five minutes, on your phone.

Your BVN, a photo of your ID and a selfie. No branch, no forms, no minimum deposit.

Become an agentTalk to someone first