AccountsOpen in minutes
Local and multi-currency accounts. Just your phone and your national ID.

A neo bank built for Africa
One app to save, send, spend and grow. Open an account in minutes with just your phone and your ID.
Main account, NGN
₦245,800.00
Scroll
Our mission
Make everyday money simple, and make everyone feel they are on the same level.
One app
Money in from M-Pesa, MTN MoMo, a bank or family abroad lands in your account instantly.
Low cost transfers between countries, in local currency. You see the rate and the fee before you press send.
Chama, susu, stokvel or tontine. Every member sees every contribution. Payouts follow the rules you agree on.
Virtual USD card for Netflix, Spotify and online shopping. Freeze it in one tap.
₦245,800.00
Main account, NGN
To Kofi Mensah
MTN MoMo, Ghana
₦1,200,000
68% of goal. Next payout: Joy, 28 Sep
The product
01 / 06
AccountsLocal and multi-currency accounts. Just your phone and your national ID.
Virtual and physical cards, accepted worldwide.
PaymentsMobile money, bank transfers and QR pay in one place.
SavingsVaults, goals and group savings circles, all transparent.
One fee.
No traps.
Micro-loans scored on how you use your account, not on collateral or paperwork.
BusinessQR payments, payment links and a daily sales overview.
Group saving is already part of life. We make it transparent, safe and automatic.
₦1,200,000
Inclusion by design
No branch, no paperwork, no minimum balance. If you have a phone, you have a bank.
Check your balance and send money from any phone. Just dial the code.
*XXX#
A small app that works on low-end phones and slow networks.
Deposit and withdraw cash at local shops in your neighbourhood.

Switch language any time, in the app and on USSD.
Security
We work with licensed partner banks and local regulators in every market.
Fingerprint and face login, one phone per account and fraud checks around the clock.
Verified with your national ID. Your data stays under local data rules.
Download the app and open your account today. It is free.
