Our Services
Everything you need from a modern microfinance bank — delivered within the limits of a Tier 1 Unit MFB licence.
Bank Accounts
Tiered savings and current accounts with CBN three-tier KYC compliance and NDIC deposit insurance.
Transfers
Real-time intra-bank and inter-bank transfers via NIBSS Instant Payment (NIP) infrastructure.
Savings
Flex savings, goal-linked savings, fixed deposits, and group savings with competitive rates.
Investments
Curated investment marketplace with licensed fund managers, full risk disclosure, and suitability checks.
Loans
Short-tenor digital loans for retail and working-capital facilities for MSME customers.
Bill Payments
Pay utility bills, airtime, data, cable TV, education fees, and government levies in-app.
Offline Payments
Pay another ValuePay customer without network connectivity using our proprietary PSCTP protocol.
Virtual Accounts
Dedicated NUBAN-format virtual accounts for MSME collections with per-payer attribution.
Invoicing
Lightweight invoicing tool for MSMEs — issue payment requests via SMS, WhatsApp, or email.
USSD Banking
USSD channel for customers without smartphones — balance enquiry, transfers, airtime purchase.
Debit Cards
Verve and Nigerian-network debit cards for ATM, merchant POS, and in-branch use.
AI-Assisted Payments
Natural-language payment experience through chat, with biometric confirmation before execution.
Mobile Banking
Full-featured mobile app on Android and iOS — your bank in your pocket, 24/7.
Referral Programme
Earn rewards for introducing new verified customers to the Bank.
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