Secure savings with competitive interest rates and zero minimum balance. Access your funds anytime through our mobile app or branch network across Lagos.
Quick approval microloans from ₦10,000 to ₦500,000 with flexible repayment terms. Perfect for personal emergencies or small business needs.
Tailored credit facilities for SMEs and entrepreneurs. Get working capital, equipment financing, and inventory loans to grow your business.
Bank on the go with our feature-rich mobile app. Transfer funds, pay bills, check balances, and apply for loans—all from your smartphone.
Community-based savings programs with collective benefits. Join or create savings groups with friends, family, or business associations.
Protect what matters most with affordable microinsurance. Coverage for health, life, property, and business risks at community-friendly rates.
Personal Banking
Our personal banking products help you save, borrow, and manage money with ease. Open a savings account with no minimum balance, access microloans up to ₦500,000, and enjoy free mobile banking. Perfect for salary earners, traders, and families building financial security. Get instant debit cards, bill payment services, and 24/7 customer support in English and Yoruba.
Business Banking
Designed for business owners who need flexible financing and cash flow management. Access business credit lines up to ₦5,000,000, merchant payment solutions, and dedicated account managers. Benefit from bulk payment processing, inventory financing, and business analytics tools. Ideal for market traders, shop owners, service providers, and growing enterprises across Lagos.
Basic Savings
Premium Savings
Business Account
You need a valid government-issued ID (National ID, Driver's License, or International Passport), proof of address (utility bill or tenancy agreement), and one passport photograph. For business accounts, also provide business registration documents or trade association membership.
Most microloan applications are reviewed within 24 hours. Once approved, funds are disbursed to your account within 48 hours. Existing customers with good repayment history may receive instant approval for amounts up to ₦100,000.
No hidden fees. We charge transparent monthly maintenance fees as listed in each plan, plus standard transaction fees for ATM withdrawals at other banks (₦35) and inter-bank transfers (₦25). All fees are clearly disclosed before you complete any transaction.
Yes! Use our mobile banking app anywhere in Nigeria or abroad. Your debit card works at any ATM nationwide and internationally where Verve or Mastercard is accepted. You can also visit any of our partner microfinance branches across Nigeria.
Microloan interest rates range from 2.5% to 5% per month depending on loan amount, tenure, and your credit profile. Business loans start at 3% monthly. We offer competitive rates with no prepayment penalties—pay early and save on interest.
Absolutely. We are licensed and regulated by the Central Bank of Nigeria. All deposits are insured by the Nigeria Deposit Insurance Corporation (NDIC) up to ₦500,000. We use bank-grade encryption and security measures to protect your funds and personal information.