Banking built for Lagos communities
Everything you need to grow
Instant loan decisions
Apply for a loan and get approved in minutes, not days. Our smart credit engine evaluates your application instantly, so you can access funds when you need them most.
Flexible repayment plans
Choose a repayment schedule that works for your cash flow. Weekly, bi-weekly, or monthly options with transparent terms and no hidden fees.
Digital savings accounts
Open a savings account in seconds and earn competitive interest. Track your progress with visual goals and automated savings rules that help you build wealth.
Business analytics
Understand your financial health with real-time dashboards. Track income, expenses, and loan performance to make smarter decisions for your business.
Community support
Join a network of local entrepreneurs and small business owners. Share experiences, get advice, and access exclusive workshops designed for Lagos communities.
Mobile-first experience
Bank from anywhere with our mobile app designed for low-bandwidth environments. Works seamlessly even with slow connections, so you're never locked out.
Platform tour
See how it works
A complete microfinance platform designed for the way Lagos does business
Launch dashboard
Everything your team is shipping, in one view.
Quick actions menu
Apply for loans, check balances, or transfer funds with one tap from anywhere in the app.
Live loan status
Track your application in real time from submission to approval to disbursement.
Customer profiles
View complete customer history, credit scores, and communication logs in one place.
Payment reminders
Automated SMS and push notifications keep borrowers on track with upcoming payments.
Document upload
Snap photos of ID cards and business documents right from your phone — no scanner needed.
Offline mode
Continue working even without internet. Changes sync automatically when you reconnect.
Why choose us
Why Lagos businesses choose MicroBank
See how we compare to traditional microfinance banks and loan sharks
| MicroBank Lagos | Traditional MFBs | Loan sharks | |
|---|---|---|---|
| Instant digital application | ✓ | – | – |
| Transparent interest rates | ✓ | ✓ | – |
| No collateral required | ✓ | – | ✓ |
| Flexible repayment terms | ✓ | – | – |
| CBN regulated and licensed | ✓ | ✓ | – |
| 24/7 mobile access | ✓ | – | – |
| Build credit history | ✓ | – | – |
| Free financial education | ✓ | – | – |
| Same-day disbursement | ✓ | – | ✓ |
| No hidden fees | ✓ | – | – |
Security
Your money, protected at every level
We know trust is everything in banking. That's why security isn't an afterthought — it's the foundation of our platform. Here's how we protect your data and funds every single day.
Bank-grade encryption
AES-256 encryption at rest and TLS 1.3 in transit. The same standards used by major international banks.
CBN compliance
Fully licensed and regulated by the Central Bank of Nigeria with regular audits and reporting.
Multi-factor authentication
Biometric login, SMS verification, and device recognition keep accounts secure even if passwords are compromised.
Fraud monitoring
AI-powered transaction monitoring flags suspicious activity in real time and alerts you instantly.
Role-based access
Staff can only see what they need to do their job. Every action is logged and auditable.
Daily backups
Encrypted backups stored in multiple geographic locations ensure your data is never lost.
Penetration testing
Independent security researchers test our defenses quarterly to find and fix vulnerabilities before bad actors can.
Transparent incident response
If something goes wrong, we notify affected customers within 24 hours and publish a public post-mortem.