Personal Digital Banking

Banking Built for Your Everyday Life

Enjoy free instant NIP transfers, zero card maintenance fees, 16.5% p.a. high-yield savings, and intelligent 24/7 WhatsApp banking. Fully licensed by CBN and insured by NDIC.

Internet Banking Login
CBN Licensed MFBNDIC Deposit Insurance
UltraPay Personal Banking
Zero Transfer Fees to All BanksInstant 2.1s
CBN 3-Tier KYC Framework

Choose the Limit That Fits Your Lifestyle

Upgrade your account in seconds directly from the mobile app or web portal as your financial needs grow.

Tier 1Instant Setup

Starter / Basic

Daily Transfer Limit:₦50,000
Single Transaction:₦20,000
Maximum Balance:₦300,000

Required Verification:

  • BVN or NIN
  • Phone Number (OTP verified)
  • Selfie / Passport Photograph
Tier 2Popular for Individuals

Standard Verified

Daily Transfer Limit:₦200,000
Single Transaction:₦100,000
Maximum Balance:₦500,000

Required Verification:

  • Everything in Tier 1
  • Government-issued Photo ID (NIN Slip, Driver's License, Voter's Card, Passport)
  • Residential Address Proof (Utility bill)
Tier 3High Net Worth

Unlimited Gold

Daily Transfer Limit:₦5,000,000+
Single Transaction:₦1,000,000
Maximum Balance:Unlimited

Required Verification:

  • Everything in Tier 2
  • Verified BVN validation
  • Proof of Occupation & Source of Funds
  • Next of Kin & Referee
  • Specimen Signature
24/7 AI WhatsApp Banking

Bank Right Inside WhatsApp on 0814 444 4947

No extra apps required when you're in a rush. Send a message to our official verified WhatsApp AI assistant to check account balances, buy airtime/data with zero confirmation codes up to ₦2,000, and initiate secure transfers.

Official WhatsApp Number

0814 444 4947

Save this contact on your phone and send 'Hi'

NDIC Insured Wealth Accumulation

High-Yield Savings & Wealth

Earn up to 16.5% p.a. guaranteed returns with zero market volatility. See how fast your money grows with our transparent compounding calculator.

How much do you want to save?₦500,000.00
₦20,000₦2,500,000₦10,000,000+
Savings Duration:6 Months (180 Days)
1 Month6 Months12 Months (1 Year)
Interest credited automatically with zero hidden bank charges
Protected by the Nigeria Deposit Insurance Corporation (NDIC)
Annual Interest Rate16.5% P.A.
Total Interest Earned

+₦41,250.00

≈ ₦226.03 earned every single day

Total Payout at Maturity

₦541,250.00