Basic Savings
₦0 /mo
- ✓ Free account opening
- ✓ 6% interest on savings
- ✓ Mobile & USSD banking
- ✓ 2 free withdrawals/month
- ✓ Access to all branches
Financial Inclusion for All
Banking That Grows With Your Community
Smart microfinance solutions designed for Lagos entrepreneurs and families. Access loans, savings, and financial tools that understand your needs.
Why Choose MicroBank
- CBN Licensed & Regulated Fully licensed by the Central Bank of Nigeria with comprehensive deposit insurance protection up to ₦500,000 per account holder.
- No Hidden Fees Transparent pricing with all charges disclosed upfront. No surprise fees, no fine print. What you see is exactly what you pay.
- Local Expertise Founded and operated by Lagos natives who understand the unique financial needs of our communities. Support staff speak Yoruba, Igbo, and Hausa.
- Financial Literacy Programs Free monthly workshops on budgeting, business planning, and digital banking. Over 3,000 community members trained since 2022.
- Secure Digital Banking Bank-grade encryption, biometric authentication, and 24/7 fraud monitoring. Your money and data are protected with enterprise security.
- Flexible Repayment Life happens. We offer payment holidays, restructuring options, and grace periods for customers facing temporary hardship.
Smart Banking Features
Get approved for loans up to ₦500,000 in 24 hours with our AI-powered credit assessment. No collateral required for first-time borrowers with verified income.
Build your financial future with daily, weekly, or monthly savings options. Earn up to 12% annual interest on fixed deposits with automated transfers from your main account.
Access your account at any of our 18 branches across Lagos or through 200+ agent locations. Deposit, withdraw, and get support in your neighborhood.
Track expenses, manage invoices, and access business insights through our integrated dashboard. Get personalized financial advice from our dedicated SME support team.
Transparent Pricing
Transparent Pricing
No hidden fees. No surprises. Just honest banking for Lagos communities.
Save ₦600 when you pay annually. All accounts include free mobile banking and SMS alerts.
Premium Savings
₦500 /mo
- ✓ Everything in Basic
- ✓ 12% interest on savings
- ✓ Unlimited free withdrawals
- ✓ Priority loan approval
- ✓ Free financial advisory
- ✓ Debit card included
Business Account
₦1,200 /mo
- ✓ Everything in Premium
- ✓ Business loan access up to ₦1M
- ✓ Invoice & expense tracking
- ✓ Dedicated account manager
- ✓ Free business workshops
- ✓ Multi-user access
- ✓ POS terminal (₦15k deposit)
Our Impact
12,500+
Active Customers
₦2.3B
Loans Disbursed
24 Hours
Average Approval Time
18
Community Branches
96%
Loan Repayment Rate
7,200+
Women-Owned Businesses Funded
Community Success Stories
Expanded from one stall to three locations in Oshodi Market with a ₦300,000 business loan. Now employs 8 people and serves 200+ customers weekly.
Started phone repair business with ₦150,000 startup loan. Grew to full electronics service center in Ikeja within 18 months, repaid loan early.
12 farmers pooled savings to access ₦800,000 group loan for cold storage. Reduced post-harvest losses by 70% and doubled collective income.
Used ₦200,000 equipment loan to purchase industrial kitchen gear. Now caters 15+ events monthly and has trained 5 apprentices in culinary skills.
Six tailors accessed ₦450,000 to upgrade sewing machines and rent shared workspace. Collective now fulfills bulk orders for corporate clients.
Purchased second commercial vehicle with ₦600,000 asset financing. Routes now cover 4 Lagos corridors, providing reliable income for family of 7.
Real Results
From Roadside to Retail Success
Adebayo transformed his roadside auto parts stand into a proper shop with ₦400,000 in working capital. Within 9 months, monthly revenue grew from ₦180,000 to ₦650,000. He now stocks 300+ SKUs and serves mechanics across Surulere.
See How We Help Retailers
Beauty Business Expansion
Three sisters pooled a ₦350,000 loan to upgrade equipment and expand their Ajah salon. Added braiding stations, modern dryers, and product retail. Customer base tripled, and they've hired 4 stylists. Loan fully repaid in 14 months.
Explore Business Loans
Cold Chain Investment Pays Off
Market cooperative of 20 vendors secured ₦1.2M for refrigerated storage. Spoilage dropped from 40% to under 8%. Vendors now supply restaurants and hotels, earning 3x previous income. The investment broke even in just 7 months.
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Your Financial Growth
Based on these typical habits
- You save ₦10,000 monthly through automated transfers
- Your savings earn 12% annual interest compounded monthly
- You maintain consistent deposits without early withdrawals
Potential Savings Growth
₦156,000
in 12 months with our high-yield savings plan
Illustration based on our Premium Savings account at current 12% APY. Actual returns depend on deposit consistency and account type. Interest rates subject to change.
Start Your Journey Today
Open your MicroBank Lagos account today and access the tools, support, and community you need to grow. Whether you're saving for tomorrow or building a business, we're here to help you succeed.