Total control of your finances is possible! Meet Carbon, a credit-led pan-African digital bank, your all-in-one app for easy money management.
Track and simplify your personal finances with our easy spending and payment options.
Say goodbye to hidden bank charges, long queues, and endless paperwork.
Carbon’s digital banking services are designed to change the way you bank, pay, spend, and earn.
Change the way you Earn with Carbon
With Carbon, your money is always working for you. Save smart and earn more with up to 15.5% interest per annum on your savings.
Change the way you achieve your goals
We’ve made loans easily accessible to you to help you reach your goals and stay in control.
*What you need to know about our loans;
•Loan amounts range between ₦2,500 to ₦1,000,000 with repayment periods from 61 days to 12 months at monthly interest rates that range from 4.5% to 30%
•Repayment periods range from 61 days to 365 days with Annual Percentage Rates (APRs) from 5% - 36%. No processing costs. Late repayment fees apply.
•No collateral or guarantor necessary
•No hidden fees
•You unlock higher loan amounts by repaying early and carrying out other transactions on the app.
•Representative example: Loan amount of ₦1,000,000 borrowed for 12 months. Monthly Interest Rate: 4.5%. Total amount payable: ₦1,540,000.
•0.03333% per day late fee
Change the way you Pay with Carbon
Say hello to Carbon Zero, our Buy Now Pay Later product. Spread payments for any purchase with your Carbon debit card into four installments for anything you love and pay over four interest-free installments.
You’re always in control
The Carbon debit card is your passport to financial freedom and security. Freeze your card temporarily or permanently, cancel or deactivate your card, reset your card pin, set recurring transactions, and customize the names of your saved beneficiaries, all in your Carbon app.
Safe and secure banking
Deposits are NDIC insured. Carbon Microfinance Bank is licensed and regulated by the Central Bank of Nigeria with the RC number: 1642222.
Carbon products include:
Carbon savings
Carbon loans
Carbon Zero
Carbon debit cards
Carbon SME loans
Join over 3 million customers who trust Carbon to save, spend, and manage their finances on the go. Start banking with Carbon today.
Instant loans whenever you need them.
We’ve made loans easily accessible to you to help you reach your goals and stay in control. Unlock higher loan amounts by repaying early and carrying out other transactions on the app. Who needs cash when you’ve got a Carbon debit card #PinkPassport. Spend and earn in one place with Carbon. Enjoy 1% cashback monthly on every card (POS) transaction. Terms and conditions apply.
Here’s why you’ll love Carbon:
Your Carbon bank account allows you to do more than store money. Instead of fees, we give you 1% of your account balance every month. Enjoy free transfers, zero maintenance fees, and instant loans of up to 1 million.
Instant Loans are available 24/7
We’ve made access to credit easy and simple. Get the best loans in Nigeria with our secure bank loans. Available 24/7, no collateral or guarantor necessary.
No hidden fees ever
You can bank on our transparency. Carbon gives you a clear breakdown of your transactions.
Real-time alerts
Where your money goes doesn't have to be a mystery. Receive instant notifications for every incoming and outgoing transaction.
Fast, simple, and secure payments
Transact in seconds, send and receive instant bank transfers, and enjoy instant reversals on failed transactions.
Reliable customer support
Focus on having fun. We’ve got an amazing team of customer service for urgent queries, so we’re always here. You can always reach us to raise queries or learn more about our services via our different support channels. We’d love to hear from you!
Change the way you Spend with Carbon

Total control of your finances is possible! Meet Carbon, a credit-led pan-African digital bank, your all-in-one app for easy money management.
Track and simplify your personal finances with our easy spending and payment options.
Say goodbye to hidden bank charges, long queues, and endless paperwork.
Carbon’s digital banking services are designed to change the way you bank, pay, spend, and earn.
Change the way you Earn with Carbon
With Carbon, your money is always working for you. Save smart and earn more with up to 15.5% interest per annum on your savings.
Change the way you achieve your goals
We’ve made loans easily accessible to you to help you reach your goals and stay in control.
*What you need to know about our loans;
•Loan amounts range between ₦2,500 to ₦1,000,000 with repayment periods from 61 days to 12 months at monthly interest rates that range from 4.5% to 30%
•Repayment periods range from 61 days to 365 days with Annual Percentage Rates (APRs) from 5% - 36%. No processing costs. Late repayment fees apply.
•No collateral or guarantor necessary
•No hidden fees
•You unlock higher loan amounts by repaying early and carrying out other transactions on the app.
•Representative example: Loan amount of ₦1,000,000 borrowed for 12 months. Monthly Interest Rate: 4.5%. Total amount payable: ₦1,540,000.
•0.03333% per day late fee
Change the way you Pay with Carbon
Say hello to Carbon Zero, our Buy Now Pay Later product. Spread payments for any purchase with your Carbon debit card into four installments for anything you love and pay over four interest-free installments.
You’re always in control
The Carbon debit card is your passport to financial freedom and security. Freeze your card temporarily or permanently, cancel or deactivate your card, reset your card pin, set recurring transactions, and customize the names of your saved beneficiaries, all in your Carbon app.
Safe and secure banking
Deposits are NDIC insured. Carbon Microfinance Bank is licensed and regulated by the Central Bank of Nigeria with the RC number: 1642222.
Carbon products include:
Carbon savings
Carbon loans
Carbon Zero
Carbon debit cards
Carbon SME loans
Join over 3 million customers who trust Carbon to save, spend, and manage their finances on the go. Start banking with Carbon today.
Instant loans whenever you need them.
We’ve made loans easily accessible to you to help you reach your goals and stay in control. Unlock higher loan amounts by repaying early and carrying out other transactions on the app. Who needs cash when you’ve got a Carbon debit card #PinkPassport. Spend and earn in one place with Carbon. Enjoy 1% cashback monthly on every card (POS) transaction. Terms and conditions apply.
Here’s why you’ll love Carbon:
Your Carbon bank account allows you to do more than store money. Instead of fees, we give you 1% of your account balance every month. Enjoy free transfers, zero maintenance fees, and instant loans of up to 1 million.
Instant Loans are available 24/7
We’ve made access to credit easy and simple. Get the best loans in Nigeria with our secure bank loans. Available 24/7, no collateral or guarantor necessary.
No hidden fees ever
You can bank on our transparency. Carbon gives you a clear breakdown of your transactions.
Real-time alerts
Where your money goes doesn't have to be a mystery. Receive instant notifications for every incoming and outgoing transaction.
Fast, simple, and secure payments
Transact in seconds, send and receive instant bank transfers, and enjoy instant reversals on failed transactions.
Reliable customer support
Focus on having fun. We’ve got an amazing team of customer service for urgent queries, so we’re always here. You can always reach us to raise queries or learn more about our services via our different support channels. We’d love to hear from you!
Change the way you Spend with Carbon

Total control of your finances is possible! Meet Carbon, a credit-led pan-African digital bank, your all-in-one app for easy money management.
Track and simplify your personal finances with our easy spending and payment options.
Say goodbye to hidden bank charges, long queues, and endless paperwork.
Carbon’s digital banking services are designed to change the way you bank, pay, spend, and earn.
Change the way you Earn with Carbon
With Carbon, your money is always working for you. Save smart and earn more with up to 15.5% interest per annum on your savings.
Change the way you achieve your goals
We’ve made loans easily accessible to you to help you reach your goals and stay in control.
*What you need to know about our loans;
•Loan amounts range between ₦2,500 to ₦1,000,000 with repayment periods from 61 days to 12 months at monthly interest rates that range from 4.5% to 30%
•Repayment periods range from 61 days to 365 days with Annual Percentage Rates (APRs) from 5% - 36%. No processing costs. Late repayment fees apply.
•No collateral or guarantor necessary
•No hidden fees
•You unlock higher loan amounts by repaying early and carrying out other transactions on the app.
•Representative example: Loan amount of ₦1,000,000 borrowed for 12 months. Monthly Interest Rate: 4.5%. Total amount payable: ₦1,540,000.
•0.03333% per day late fee
Change the way you Pay with Carbon
Say hello to Carbon Zero, our Buy Now Pay Later product. Spread payments for any purchase with your Carbon debit card into four installments for anything you love and pay over four interest-free installments.
You’re always in control
The Carbon debit card is your passport to financial freedom and security. Freeze your card temporarily or permanently, cancel or deactivate your card, reset your card pin, set recurring transactions, and customize the names of your saved beneficiaries, all in your Carbon app.
Safe and secure banking
Deposits are NDIC insured. Carbon Microfinance Bank is licensed and regulated by the Central Bank of Nigeria with the RC number: 1642222.
Carbon products include:
Carbon savings
Carbon loans
Carbon Zero
Carbon debit cards
Carbon SME loans
Join over 3 million customers who trust Carbon to save, spend, and manage their finances on the go. Start banking with Carbon today.
Instant loans whenever you need them.
We’ve made loans easily accessible to you to help you reach your goals and stay in control. Unlock higher loan amounts by repaying early and carrying out other transactions on the app. Who needs cash when you’ve got a Carbon debit card #PinkPassport. Spend and earn in one place with Carbon. Enjoy 1% cashback monthly on every card (POS) transaction. Terms and conditions apply.
Here’s why you’ll love Carbon:
Your Carbon bank account allows you to do more than store money. Instead of fees, we give you 1% of your account balance every month. Enjoy free transfers, zero maintenance fees, and instant loans of up to 1 million.
Instant Loans are available 24/7
We’ve made access to credit easy and simple. Get the best loans in Nigeria with our secure bank loans. Available 24/7, no collateral or guarantor necessary.
No hidden fees ever
You can bank on our transparency. Carbon gives you a clear breakdown of your transactions.
Real-time alerts
Where your money goes doesn't have to be a mystery. Receive instant notifications for every incoming and outgoing transaction.
Fast, simple, and secure payments
Transact in seconds, send and receive instant bank transfers, and enjoy instant reversals on failed transactions.
Reliable customer support
Focus on having fun. We’ve got an amazing team of customer service for urgent queries, so we’re always here. You can always reach us to raise queries or learn more about our services via our different support channels. We’d love to hear from you!
Change the way you Spend with Carbon

Total control of your finances is possible! Meet Carbon, a credit-led pan-African digital bank, your all-in-one app for easy money management.
Track and simplify your personal finances with our easy spending and payment options.
Say goodbye to hidden bank charges, long queues, and endless paperwork.
Carbon’s digital banking services are designed to change the way you bank, pay, spend, and earn.
Change the way you Earn with Carbon
With Carbon, your money is always working for you. Save smart and earn more with up to 15.5% interest per annum on your savings.
Change the way you achieve your goals
We’ve made loans easily accessible to you to help you reach your goals and stay in control.
*What you need to know about our loans;
•Loan amounts range between ₦2,500 to ₦1,000,000 with repayment periods from 61 days to 12 months at monthly interest rates that range from 4.5% to 30%
•Repayment periods range from 61 days to 365 days with Annual Percentage Rates (APRs) from 5% - 36%. No processing costs. Late repayment fees apply.
•No collateral or guarantor necessary
•No hidden fees
•You unlock higher loan amounts by repaying early and carrying out other transactions on the app.
•Representative example: Loan amount of ₦1,000,000 borrowed for 12 months. Monthly Interest Rate: 4.5%. Total amount payable: ₦1,540,000.
•0.03333% per day late fee
Change the way you Pay with Carbon
Say hello to Carbon Zero, our Buy Now Pay Later product. Spread payments for any purchase with your Carbon debit card into four installments for anything you love and pay over four interest-free installments.
You’re always in control
The Carbon debit card is your passport to financial freedom and security. Freeze your card temporarily or permanently, cancel or deactivate your card, reset your card pin, set recurring transactions, and customize the names of your saved beneficiaries, all in your Carbon app.
Safe and secure banking
Deposits are NDIC insured. Carbon Microfinance Bank is licensed and regulated by the Central Bank of Nigeria with the RC number: 1642222.
Carbon products include:
Carbon savings
Carbon loans
Carbon Zero
Carbon debit cards
Carbon SME loans
Join over 3 million customers who trust Carbon to save, spend, and manage their finances on the go. Start banking with Carbon today.
Instant loans whenever you need them.
We’ve made loans easily accessible to you to help you reach your goals and stay in control. Unlock higher loan amounts by repaying early and carrying out other transactions on the app. Who needs cash when you’ve got a Carbon debit card #PinkPassport. Spend and earn in one place with Carbon. Enjoy 1% cashback monthly on every card (POS) transaction. Terms and conditions apply.
Here’s why you’ll love Carbon:
Your Carbon bank account allows you to do more than store money. Instead of fees, we give you 1% of your account balance every month. Enjoy free transfers, zero maintenance fees, and instant loans of up to 1 million.
Instant Loans are available 24/7
We’ve made access to credit easy and simple. Get the best loans in Nigeria with our secure bank loans. Available 24/7, no collateral or guarantor necessary.
No hidden fees ever
You can bank on our transparency. Carbon gives you a clear breakdown of your transactions.
Real-time alerts
Where your money goes doesn't have to be a mystery. Receive instant notifications for every incoming and outgoing transaction.
Fast, simple, and secure payments
Transact in seconds, send and receive instant bank transfers, and enjoy instant reversals on failed transactions.
Reliable customer support
Focus on having fun. We’ve got an amazing team of customer service for urgent queries, so we’re always here. You can always reach us to raise queries or learn more about our services via our different support channels. We’d love to hear from you!
Change the way you Spend with Carbon

Total control of your finances is possible! Meet Carbon, a credit-led pan-African digital bank, your all-in-one app for easy money management.
Track and simplify your personal finances with our easy spending and payment options.
Say goodbye to hidden bank charges, long queues, and endless paperwork.
Carbon’s digital banking services are designed to change the way you bank, pay, spend, and earn.
Change the way you Earn with Carbon
With Carbon, your money is always working for you. Save smart and earn more with up to 15.5% interest per annum on your savings.
Change the way you achieve your goals
We’ve made loans easily accessible to you to help you reach your goals and stay in control.
*What you need to know about our loans;
•Loan amounts range between ₦2,500 to ₦1,000,000 with repayment periods from 61 days to 12 months at monthly interest rates that range from 4.5% to 30%
•Repayment periods range from 61 days to 365 days with Annual Percentage Rates (APRs) from 5% - 36%. No processing costs. Late repayment fees apply.
•No collateral or guarantor necessary
•No hidden fees
•You unlock higher loan amounts by repaying early and carrying out other transactions on the app.
•Representative example: Loan amount of ₦1,000,000 borrowed for 12 months. Monthly Interest Rate: 4.5%. Total amount payable: ₦1,540,000.
•0.03333% per day late fee
Change the way you Pay with Carbon
Say hello to Carbon Zero, our Buy Now Pay Later product. Spread payments for any purchase with your Carbon debit card into four installments for anything you love and pay over four interest-free installments.
You’re always in control
The Carbon debit card is your passport to financial freedom and security. Freeze your card temporarily or permanently, cancel or deactivate your card, reset your card pin, set recurring transactions, and customize the names of your saved beneficiaries, all in your Carbon app.
Safe and secure banking
Deposits are NDIC insured. Carbon Microfinance Bank is licensed and regulated by the Central Bank of Nigeria with the RC number: 1642222.
Carbon products include:
Carbon savings
Carbon loans
Carbon Zero
Carbon debit cards
Carbon SME loans
Join over 3 million customers who trust Carbon to save, spend, and manage their finances on the go. Start banking with Carbon today.
Instant loans whenever you need them.
We’ve made loans easily accessible to you to help you reach your goals and stay in control. Unlock higher loan amounts by repaying early and carrying out other transactions on the app. Who needs cash when you’ve got a Carbon debit card #PinkPassport. Spend and earn in one place with Carbon. Enjoy 1% cashback monthly on every card (POS) transaction. Terms and conditions apply.
Here’s why you’ll love Carbon:
Your Carbon bank account allows you to do more than store money. Instead of fees, we give you 1% of your account balance every month. Enjoy free transfers, zero maintenance fees, and instant loans of up to 1 million.
Instant Loans are available 24/7
We’ve made access to credit easy and simple. Get the best loans in Nigeria with our secure bank loans. Available 24/7, no collateral or guarantor necessary.
No hidden fees ever
You can bank on our transparency. Carbon gives you a clear breakdown of your transactions.
Real-time alerts
Where your money goes doesn't have to be a mystery. Receive instant notifications for every incoming and outgoing transaction.
Fast, simple, and secure payments
Transact in seconds, send and receive instant bank transfers, and enjoy instant reversals on failed transactions.
Reliable customer support
Focus on having fun. We’ve got an amazing team of customer service for urgent queries, so we’re always here. You can always reach us to raise queries or learn more about our services via our different support channels. We’d love to hear from you!
Change the way you Spend with Carbon

Total control of your finances is possible! Meet Carbon, a credit-led pan-African digital bank, your all-in-one app for easy money management.
Track and simplify your personal finances with our easy spending and payment options.
Say goodbye to hidden bank charges, long queues, and endless paperwork.
Carbon’s digital banking services are designed to change the way you bank, pay, spend, and earn.
Change the way you Earn with Carbon
With Carbon, your money is always working for you. Save smart and earn more with up to 15.5% interest per annum on your savings.
Change the way you achieve your goals
We’ve made loans easily accessible to you to help you reach your goals and stay in control.
*What you need to know about our loans;
•Loan amounts range between ₦2,500 to ₦1,000,000 with repayment periods from 61 days to 12 months at monthly interest rates that range from 4.5% to 30%
•Repayment periods range from 61 days to 365 days with Annual Percentage Rates (APRs) from 5% - 36%. No processing costs. Late repayment fees apply.
•No collateral or guarantor necessary
•No hidden fees
•You unlock higher loan amounts by repaying early and carrying out other transactions on the app.
•Representative example: Loan amount of ₦1,000,000 borrowed for 12 months. Monthly Interest Rate: 4.5%. Total amount payable: ₦1,540,000.
•0.03333% per day late fee
Change the way you Pay with Carbon
Say hello to Carbon Zero, our Buy Now Pay Later product. Spread payments for any purchase with your Carbon debit card into four installments for anything you love and pay over four interest-free installments.
You’re always in control
The Carbon debit card is your passport to financial freedom and security. Freeze your card temporarily or permanently, cancel or deactivate your card, reset your card pin, set recurring transactions, and customize the names of your saved beneficiaries, all in your Carbon app.
Safe and secure banking
Deposits are NDIC insured. Carbon Microfinance Bank is licensed and regulated by the Central Bank of Nigeria with the RC number: 1642222.
Carbon products include:
Carbon savings
Carbon loans
Carbon Zero
Carbon debit cards
Carbon SME loans
Join over 3 million customers who trust Carbon to save, spend, and manage their finances on the go. Start banking with Carbon today.
Instant loans whenever you need them.
We’ve made loans easily accessible to you to help you reach your goals and stay in control. Unlock higher loan amounts by repaying early and carrying out other transactions on the app. Who needs cash when you’ve got a Carbon debit card #PinkPassport. Spend and earn in one place with Carbon. Enjoy 1% cashback monthly on every card (POS) transaction. Terms and conditions apply.
Here’s why you’ll love Carbon:
Your Carbon bank account allows you to do more than store money. Instead of fees, we give you 1% of your account balance every month. Enjoy free transfers, zero maintenance fees, and instant loans of up to 1 million.
Instant Loans are available 24/7
We’ve made access to credit easy and simple. Get the best loans in Nigeria with our secure bank loans. Available 24/7, no collateral or guarantor necessary.
No hidden fees ever
You can bank on our transparency. Carbon gives you a clear breakdown of your transactions.
Real-time alerts
Where your money goes doesn't have to be a mystery. Receive instant notifications for every incoming and outgoing transaction.
Fast, simple, and secure payments
Transact in seconds, send and receive instant bank transfers, and enjoy instant reversals on failed transactions.
Reliable customer support
Focus on having fun. We’ve got an amazing team of customer service for urgent queries, so we’re always here. You can always reach us to raise queries or learn more about our services via our different support channels. We’d love to hear from you!
Change the way you Spend with Carbon

Total control of your finances is possible! Meet Carbon, a credit-led pan-African digital bank, your all-in-one app for easy money management.
Track and simplify your personal finances with our easy spending and payment options.
Say goodbye to hidden bank charges, long queues, and endless paperwork.
Carbon’s digital banking services are designed to change the way you bank, pay, spend, and earn.
Change the way you Earn with Carbon
With Carbon, your money is always working for you. Save smart and earn more with up to 15.5% interest per annum on your savings.
Change the way you achieve your goals
We’ve made loans easily accessible to you to help you reach your goals and stay in control.
*What you need to know about our loans;
•Loan amounts range between ₦2,500 to ₦1,000,000 with repayment periods from 61 days to 12 months at monthly interest rates that range from 4.5% to 30%
•Repayment periods range from 61 days to 365 days with Annual Percentage Rates (APRs) from 5% - 36%. No processing costs. Late repayment fees apply.
•No collateral or guarantor necessary
•No hidden fees
•You unlock higher loan amounts by repaying early and carrying out other transactions on the app.
•Representative example: Loan amount of ₦1,000,000 borrowed for 12 months. Monthly Interest Rate: 4.5%. Total amount payable: ₦1,540,000.
•0.03333% per day late fee
Change the way you Pay with Carbon
Say hello to Carbon Zero, our Buy Now Pay Later product. Spread payments for any purchase with your Carbon debit card into four installments for anything you love and pay over four interest-free installments.
You’re always in control
The Carbon debit card is your passport to financial freedom and security. Freeze your card temporarily or permanently, cancel or deactivate your card, reset your card pin, set recurring transactions, and customize the names of your saved beneficiaries, all in your Carbon app.
Safe and secure banking
Deposits are NDIC insured. Carbon Microfinance Bank is licensed and regulated by the Central Bank of Nigeria with the RC number: 1642222.
Carbon products include:
Carbon savings
Carbon loans
Carbon Zero
Carbon debit cards
Carbon SME loans
Join over 3 million customers who trust Carbon to save, spend, and manage their finances on the go. Start banking with Carbon today.
Instant loans whenever you need them.
We’ve made loans easily accessible to you to help you reach your goals and stay in control. Unlock higher loan amounts by repaying early and carrying out other transactions on the app. Who needs cash when you’ve got a Carbon debit card #PinkPassport. Spend and earn in one place with Carbon. Enjoy 1% cashback monthly on every card (POS) transaction. Terms and conditions apply.
Here’s why you’ll love Carbon:
Your Carbon bank account allows you to do more than store money. Instead of fees, we give you 1% of your account balance every month. Enjoy free transfers, zero maintenance fees, and instant loans of up to 1 million.
Instant Loans are available 24/7
We’ve made access to credit easy and simple. Get the best loans in Nigeria with our secure bank loans. Available 24/7, no collateral or guarantor necessary.
No hidden fees ever
You can bank on our transparency. Carbon gives you a clear breakdown of your transactions.
Real-time alerts
Where your money goes doesn't have to be a mystery. Receive instant notifications for every incoming and outgoing transaction.
Fast, simple, and secure payments
Transact in seconds, send and receive instant bank transfers, and enjoy instant reversals on failed transactions.
Reliable customer support
Focus on having fun. We’ve got an amazing team of customer service for urgent queries, so we’re always here. You can always reach us to raise queries or learn more about our services via our different support channels. We’d love to hear from you!
Change the way you Spend with Carbon

Total control of your finances is possible! Meet Carbon, a credit-led pan-African digital bank, your all-in-one app for easy money management.
Track and simplify your personal finances with our easy spending and payment options.
Say goodbye to hidden bank charges, long queues, and endless paperwork.
Carbon’s digital banking services are designed to change the way you bank, pay, spend, and earn.
Change the way you Earn with Carbon
With Carbon, your money is always working for you. Save smart and earn more with up to 15.5% interest per annum on your savings.
Change the way you achieve your goals
We’ve made loans easily accessible to you to help you reach your goals and stay in control.
*What you need to know about our loans;
•Loan amounts range between ₦2,500 to ₦1,000,000 with repayment periods from 61 days to 12 months at monthly interest rates that range from 4.5% to 30%
•Repayment periods range from 61 days to 365 days with Annual Percentage Rates (APRs) from 5% - 36%. No processing costs. Late repayment fees apply.
•No collateral or guarantor necessary
•No hidden fees
•You unlock higher loan amounts by repaying early and carrying out other transactions on the app.
•Representative example: Loan amount of ₦1,000,000 borrowed for 12 months. Monthly Interest Rate: 4.5%. Total amount payable: ₦1,540,000.
•0.03333% per day late fee
Change the way you Pay with Carbon
Say hello to Carbon Zero, our Buy Now Pay Later product. Spread payments for any purchase with your Carbon debit card into four installments for anything you love and pay over four interest-free installments.
You’re always in control
The Carbon debit card is your passport to financial freedom and security. Freeze your card temporarily or permanently, cancel or deactivate your card, reset your card pin, set recurring transactions, and customize the names of your saved beneficiaries, all in your Carbon app.
Safe and secure banking
Deposits are NDIC insured. Carbon Microfinance Bank is licensed and regulated by the Central Bank of Nigeria with the RC number: 1642222.
Carbon products include:
Carbon savings
Carbon loans
Carbon Zero
Carbon debit cards
Carbon SME loans
Join over 3 million customers who trust Carbon to save, spend, and manage their finances on the go. Start banking with Carbon today.
Instant loans whenever you need them.
We’ve made loans easily accessible to you to help you reach your goals and stay in control. Unlock higher loan amounts by repaying early and carrying out other transactions on the app. Who needs cash when you’ve got a Carbon debit card #PinkPassport. Spend and earn in one place with Carbon. Enjoy 1% cashback monthly on every card (POS) transaction. Terms and conditions apply.
Here’s why you’ll love Carbon:
Your Carbon bank account allows you to do more than store money. Instead of fees, we give you 1% of your account balance every month. Enjoy free transfers, zero maintenance fees, and instant loans of up to 1 million.
Instant Loans are available 24/7
We’ve made access to credit easy and simple. Get the best loans in Nigeria with our secure bank loans. Available 24/7, no collateral or guarantor necessary.
No hidden fees ever
You can bank on our transparency. Carbon gives you a clear breakdown of your transactions.
Real-time alerts
Where your money goes doesn't have to be a mystery. Receive instant notifications for every incoming and outgoing transaction.
Fast, simple, and secure payments
Transact in seconds, send and receive instant bank transfers, and enjoy instant reversals on failed transactions.
Reliable customer support
Focus on having fun. We’ve got an amazing team of customer service for urgent queries, so we’re always here. You can always reach us to raise queries or learn more about our services via our different support channels. We’d love to hear from you!
Change the way you Spend with Carbon

Access a variety of banking services, from high-interest savings to instant short-term loans for your urgent needs. Open a Carbon bank account in minutes and start living a better financial lifestyle.

SPECIAL FEATURES
* Get loans ranging from ₦1,500 to ₦1m(Nigeria)
* Make repayments over a maximum of 64 weeks.
* Interest ranges from 1.75% - 30%, with an equivalent monthly interest rate of 1 - 21%.
* Annual Percentage Rate (APR) from 23% - 60.8%. No late fees or processing costs.
Example: For a 3-month loan of ₦50,000, Carbon charges 2% a month. With an APR of 24.3%, the total repayment amount after 90 days is ₦53,000.
Annual Percentage Rate (APR) from 23% - 60.8%. No late fees or processing costs.
Example: For a 3-month loan of ₦50,000, Carbon charges 2% a month. With an APR of 24.3%, the total repayment amount after 90 days is ₦53,000.
* Flexible tenors from 1 month to 6 months with the ability to make early repayments at any point in the tenor.

SEND MONEY FOR FREE
Transfer funds to any bank at no extra cost, 30 times a month. It’s the highest around and our customers save N1,500 on transfer charges every month.

SAVE WITH HIGH INTEREST
Don’t just keep your money in the bank. Create a savings plan and start earning up to 15% interest on your funds when it’s time to withdraw.

SHOP NOW, PAY OVER TIME
Buy items you love and need the most and pay in small, equal installments, at 0% interest.

RECEIVE CASHBACK ON LOANS
Apply for up to N1 million and receive funds in your account within minutes. You also get up to 30% cashback on your interest when you pay in time.

GET A CARD YOU CONTROL
The Carbon Visa card is your passport to freedom and security. Spend as you please on both online and offline channels. Freeze your account from anywhere if you notice irregular behavior. Set spending limits across channels.

SAY GOODBYE TO QUEUES
Request a Visa card with just the tap of a button on your Carbon app and it would be delivered to your doorstep anywhere in the country.

INSTANT REVERSALS
No panicking with a Carbon bank account. Receive instant reversals whenever transactions don’t complete.
GET IN TOUCH!
Carbon (formerly Paylater) is provided by One Finance & Investments Limited, a CBN-licensed and regulated finance company. While we offer a service that is 100% automated, you can always reach us and learn more about our service via multiple support channels. We’d love to hear from you!

Access a variety of banking services, from high-interest savings to instant short-term loans for your urgent needs. Open a Carbon bank account in minutes and start living a better financial lifestyle.

SPECIAL FEATURES
* Get loans ranging from ₦1,500 to ₦1m(Nigeria)
* Make repayments over a maximum of 64 weeks.
* Interest ranges from 1.75% - 30%, with an equivalent monthly interest rate of 1 - 21%.
* Annual Percentage Rate (APR) from 23% - 60.8%. No late fees or processing costs.
Example: For a 3-month loan of ₦50,000, Carbon charges 2% a month. With an APR of 24.3%, the total repayment amount after 90 days is ₦53,000.
Annual Percentage Rate (APR) from 23% - 60.8%. No late fees or processing costs.
Example: For a 3-month loan of ₦50,000, Carbon charges 2% a month. With an APR of 24.3%, the total repayment amount after 90 days is ₦53,000.
* Flexible tenors from 1 month to 6 months with the ability to make early repayments at any point in the tenor.

SEND MONEY FOR FREE
Transfer funds to any bank at no extra cost, 30 times a month. It’s the highest around and our customers save N1,500 on transfer charges every month.

SAVE WITH HIGH INTEREST
Don’t just keep your money in the bank. Create a savings plan and start earning up to 15% interest on your funds when it’s time to withdraw.

SHOP NOW, PAY OVER TIME
Buy items you love and need the most and pay in small, equal installments, at 0% interest.

RECEIVE CASHBACK ON LOANS
Apply for up to N1 million and receive funds in your account within minutes. You also get up to 30% cashback on your interest when you pay in time.

GET A CARD YOU CONTROL
The Carbon Visa card is your passport to freedom and security. Spend as you please on both online and offline channels. Freeze your account from anywhere if you notice irregular behavior. Set spending limits across channels.

SAY GOODBYE TO QUEUES
Request a Visa card with just the tap of a button on your Carbon app and it would be delivered to your doorstep anywhere in the country.

INSTANT REVERSALS
No panicking with a Carbon bank account. Receive instant reversals whenever transactions don’t complete.
GET IN TOUCH!
Carbon (formerly Paylater) is provided by One Finance & Investments Limited, a CBN-licensed and regulated finance company. While we offer a service that is 100% automated, you can always reach us and learn more about our service via multiple support channels. We’d love to hear from you!