Accounts that open in seconds and balance in real time
Open current, savings and deposit accounts from any channel, with NUBAN numbers issued instantly and balances that are always the balances in your books.
NUBAN numberingReal-time balancesKYC tiers and limits
Every kind of account
Current & savings
Individual, joint and business accounts with interest, fees, statements and dormancy rules.
Term & recurring deposits
Fixed deposits with rollover, early-break penalties and recurring savings plans.
Overdrafts & sweeps
Arranged overdrafts, sweeps between accounts and minimum-balance rules.
Virtual accounts
Collect payments into dedicated account numbers that settle to a parent account.
Wallets & e-money
Tiered wallets with balance and transaction limits for payment institutions.
NUBAN numbering
Account numbers with CBN check digits for commercial and microfinance banks, or from phone numbers.
From application to first deposit
Onboard
The customer registers online or at a branch; KYC tier is set by BVN, NIN and address checks.
Open
Choose a product; the account opens with a NUBAN number in seconds.
Fund
Cash at the teller, an inbound NIP transfer or a virtual-account collection.
Serve
Statements, limits, freezes and closures from the Workspace or the customer app.
Connected to the rest of your bank
- Product Factory — define rates, fees, limits and tiers without a release
- Payments — receive NIP credits and pay out instantly
- Risk & compliance — KYC tiers drive limits automatically
- Customer web — customers open accounts and download statements themselves
Release status
- Current and savings accounts
- ◷ Pilot 2027
- Virtual accounts and wallets
- ◷ Pilot 2027
- Term and recurring deposits
- ◷ Phase 2
- Islamic deposit products
- Planned
Dates follow the public roadmap and may change.
Accounts & deposits questions
Can we keep our existing account numbers?
Yes. Migrated accounts keep their NUBAN numbers; new accounts are numbered from the range and scheme you configure.
How do KYC tiers affect accounts?
Each tier sets balance and transaction limits. When a customer's verification improves, their limits rise automatically.
Do you support joint and business accounts?
Yes. Accounts can have several holders and mandates, and businesses can have signatories with approval rules.
See accounts and deposits in action
Open an account, fund it and post interest — live, in your branding.