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Money, explained the way we would explain it across a counter
No jargon, and a number wherever a number is the answer. Every guide here answers something a customer has actually asked us.
Five things a bank will never ask you for
If somebody calls asking for your PIN, your OTP or your BVN, they do not work for your bank. No exceptions, no matter who they say they are.
How much your savings actually earn in a year
The difference between 4% and 18% on ₦500,000 is ₦70,000 a year. Here is how to work out what you are getting.
Why borrowing against your savings usually beats breaking them
Breaking a ₦1,000,000 fixed deposit at month nine costs you ₦140,000 in lost interest. A three-month loan against it costs ₦31,500.
Ajo, with a bank holding the money instead of a person
Same people, same turn, same trust. The difference is that nobody has to keep ₦240,000 in cash in their house on collection week.
Why your trading money should not sit in your personal account
Mixing the two is the reason most small businesses cannot tell you whether they made a profit last month — and the reason most cannot get a loan.
BVN, NIN and account tiers, explained without the jargon
What each number is for, which one you need to open an account, and why a tier 1 account has a ₦50,000 limit.
Reading a loan offer: the only number that matters
Not the monthly rate. The total naira you will hand back. Here is how to find it and how to compare two offers honestly.
Saving for school fees without the January panic
Three terms a year on a fixed date is the most predictable large expense most families have. Treat it like one.
What you can actually do at an agent
Cash in, cash out, open an account, reset a PIN. You do not need a smartphone to be a customer of this bank.
Still not sure?
A person will answer, and they will not ask for your PIN
8am to 8pm Monday to Saturday, and 24 hours if it is a lost card.