Basic
₦0/mo
- ✓ 1 savings account
- ✓ Up to ₦100,000 in loans
- ✓ Basic transaction history
- ✓ Community support via WhatsApp
Banking built for Lagos communities
Feature Showcase
Apply for microloans up to ₦500,000 and get approved in minutes. Our AI-powered credit scoring evaluates your profile instantly, so you can access funds when you need them most—no lengthy paperwork or bank visits required.
Grow your money with competitive interest rates up to 12% annually. Open a savings account in under 3 minutes, set automated deposits, and watch your balance grow with daily interest calculations and zero hidden fees.
Understand your spending patterns with intelligent dashboards that categorize transactions, forecast cash flow, and alert you to unusual activity. Make smarter financial decisions with insights tailored to your community and lifestyle.
Product walkthrough
Tour the platform
See how MicroBank Lagos makes banking simple, secure, and accessible for everyone
PROJECT · Q3
Launch dashboard
Everything your team is shipping, in one view.
On track12 open3 in review
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Syncing changes
Quick actions menu
Transfer money, pay bills, or apply for loans with one tap from anywhere in the app.
Live account balance
See your current balance, pending transactions, and interest earned updated in real time.
Instant notifications
Get SMS and push alerts for every transaction, loan update, and account activity.
Community savings groups
Join or create savings circles with neighbors and friends to reach goals together.
Loan repayment tracker
Monitor your loan balance, upcoming payments, and repayment history at a glance.
MicroBank vs. the rest
Why Lagos chooses MicroBank
See how we compare to traditional banks and other digital lenders
| MicroBank Lagos | Traditional banks | Other fintech apps | |
|---|---|---|---|
| Loan approval in under 10 minutes | ✓ | – | ✓ |
| No minimum balance requirements | ✓ | – | ✓ |
| Interest rates up to 12% on savings | ✓ | – | – |
| Full CBN licensing and deposit insurance | ✓ | ✓ | – |
| Community savings groups built-in | ✓ | – | – |
| Free unlimited transfers within Nigeria | ✓ | – | ✓ |
| Branch-free, 100% mobile experience | ✓ | – | ✓ |
Pricing
Simple, transparent pricing
Choose the plan that fits your financial journey—upgrade or downgrade anytime
Save 15% with annual commitment
Plus
₦500/mo
- ✓ 3 savings accounts with goals
- ✓ Up to ₦300,000 in loans
- ✓ Advanced analytics and insights
- ✓ Priority phone and chat support
- ✓ Join unlimited savings groups
Premium
₦1,200/mo
- ✓ Unlimited savings accounts
- ✓ Up to ₦500,000 in loans
- ✓ Dedicated account manager
- ✓ Custom financial planning sessions
- ✓ Early access to new features
- ✓ Cashback on bill payments
Security
Your money, protected at every level
Security isn't an afterthought—it's the foundation of our platform. We use bank-grade encryption, continuous monitoring, and strict compliance standards to keep your funds and data safe every single day.
Bank-grade encryption
AES-256 encryption at rest and TLS 1.3 in transit protect every transaction and personal detail you share with us.
CBN-compliant operations
Fully licensed by the Central Bank of Nigeria and audited quarterly to meet all regulatory requirements for microfinance institutions.
24/7 fraud monitoring
Machine learning algorithms scan every transaction in real time to detect and block suspicious activity before it affects your account.
Biometric authentication
Fingerprint and face recognition on supported devices ensure only you can access your account, even if your phone is lost.
Automatic backups
Your transaction history and account data are backed up hourly across multiple secure data centers in Nigeria.
Transparent incident response
We commit to notifying you within 24 hours of any security event and publish an annual transparency report on our security posture.