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Everyday Account

An account that pays you for leaving money in it.

Send, receive and spend as normal — and earn 8% a year on whatever is sitting there.

Open an accountSee all rates

₦0to open, and no monthly fee

8%
a year on your balance
₦0
opening balance
5 mins
to open, on a phone
₦0
monthly maintenance

How it works

How Everyday Account works

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

  1. 1

    Open it with your BVN

    Five minutes on your phone. No forms, no branch queue, no minimum deposit to get started.

  2. 2

    Get your account number straight away

    A real NUBAN you can receive into from any Nigerian bank, working before you close the app.

  3. 3

    Earn on the balance

    Interest is worked out daily on what you hold and paid on the first working day of each month.

In the app

This is Everyday Account, 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 appOpen an account
Main balance
₦1,284,500

+₦12,845 this month

Add money
Send
Save

Recent

Interest for JulyEveryday Account+₦8,562
Shop restockTransfer · 2 Aug-₦85,000
Ajo payoutOshodi Traders · 1 Aug+₦240,000
PHCN prepaidBill · 31 Jul-₦5,000

What you need

  • Your BVN.
  • A photo of a valid ID — NIN slip, driver’s licence, voter’s card or passport.
  • A phone number registered in your name.
  • A selfie, taken in the app.

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

Open an account

Rates and limits

Interest on balance
Worked out daily, paid monthly
8% p.a.
Balance required to earn
Below this, no interest accrues
₦1,000

What it costs

Opening the account
Free
Monthly maintenance
Free
Transfer to another bank
Under ₦5,000. ₦25 up to ₦50,000, ₦50 above
₦10
Transfer to a Citadele account
Free
Agent withdrawal
Per ₦10,000, charged by the agent
₦100
SMS alerts
Per message. Turn them off in the app and pay nothing
₦4

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.

It is insured. CitadeleCapitals is licensed by the Central Bank of Nigeria and every deposit is covered by the Nigeria Deposit Insurance Corporation, up to the NDIC limit for microfinance banks. The cover is automatic — you do not apply for it and you are not charged for it.

Yes. You get a 10-digit NUBAN issued under our CBN licence. Anybody at any Nigerian bank can transfer into it, and it appears in their app as CitadeleCapitals MFB.

₦200,000 a day on a BVN-only account. Add your NIN and a utility bill and that goes to ₦5,000,000 a day. You can raise it in the app in about two minutes.

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Flex Savings

Save today, withdraw tomorrow. No notice, no penalty.

12%a year, and you can still reach it

Learn more about Flex Savings

Citadele Card

Spend from your account anywhere a card is taken in Nigeria.

₦1,500once, then nothing each month

Learn more about Citadele Card

Savings-Backed Loan

Borrow against what you have saved without breaking it.

3.5%a month, and your savings keep earning

Learn more about Savings-Backed Loan

Licensed by the CBN · Deposits insured by NDIC

Open Everyday Account in five minutes, on your phone.

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

Open an accountTalk to someone first