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Licensed by the CBN · Deposits insured by NDIC

Everything we do, and what each one pays.

Seventeen products, six groups, every rate stated. Nothing here has an introductory rate that drops after three months.

Open an accountCompare every rate

1 product

Accounts

Where your money sits, and what it earns while it is sitting there.

  • Everyday Account

    Keep your money where it earns, and spend from it when you need to.

    ₦0to open, and no monthly fee

    Learn more

4 products

Savings

Four ways to put money aside, from reach-it-today to lock-it-for-a-year.

  • Flex Savings

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

    12%a year, and you can still reach it

    Learn more

  • Fixed Savings

    Lock an amount for a term you choose and earn the most we pay.

    Up to 22%a year, on a 365-day term

    Learn more

  • Target Savings

    Name what you are saving for, set the date, and we do the rest.

    16%a year, until the date you set

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  • Ajo

    Run your rotating savings group with the money held by a bank.

    ₦0to run a group, and nobody holds the cash

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2 products

Investments

Higher returns, and a plainly stated risk to your capital.

  • Fixed Income Note

    Put money behind vetted Nigerian businesses for a fixed return.

    Up to 26%a year, with capital at risk

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  • Treasury-Backed Note

    Hold Federal Government treasury bills without the ₦50 million ticket.

    19%a year, backed by FGN treasury bills

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2 products

Loans

Borrow against what you have already built, without breaking it.

  • Savings-Backed Loan

    Borrow against what you have saved without breaking it.

    3.5%a month, and your savings keep earning

    Learn more

  • Salary Advance

    Draw part of your salary before payday if your employer is with us.

    2.5%a month, repaid on payday

    Learn more

2 products

Cards

Spend from the account that is paying you interest.

  • Citadele Card

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

    ₦1,500once, then nothing each month

    Learn more

  • Virtual Card

    Pay online in dollars without giving out your real card number.

    60 secondsto create one, and you can burn it after

    Learn more

6 products

Business

Accounts, stock finance and equipment for a shop, a stall or a registered company.

  • Business Account

    Keep the shop money out of your personal account.

    10%a year, on your trading balance

    Learn more

  • Business Savings

    Keep your trading money separate and earn on the balance.

    12%a year, and you can still reach it

    Learn more

  • Working Capital Loan

    Buy stock now and repay as you sell.

    From 4%a month, repaid daily or weekly

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  • Asset Finance

    Get the machine, the freezer or the generator and pay over time.

    3.2%a month, over up to 36 months

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  • Cooperative Lending

    Borrow as a registered group, with the group standing behind it.

    3%a month, the cheapest rate we lend at

    Learn more

  • Agent Banking

    Earn a commission serving your community as a Citadele agent.

    ₦180,000average monthly commission

    Learn more

Ready when you are

Start with an account. Add the rest when you need it.

Five minutes, your BVN and a photo of your ID. Everything on this page opens from inside the app afterwards.

Open an accountWork out what you would earn