Bank it, Save it, Grow It With One account
Most apps do one thing with your money. Halo does all of it: insured banking, disciplined saving, and access to the Halo Equity Fund, all from one app.
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Three steps to a healthier financial life
No paperwork, no branch visits, no waiting. Open your Halo account, verify in minutes, and start putting your money to work today.
Get the Halo app on iOS or Android in under a minute, and tap “Open an account”.
Offer structured savings plans and professionally managed investment products directly inside your ecosystem.
Fund your account, set a goal, and start earning competitive returns the moment your first deposit clears.
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Savings & Investments
Structured savings plans and regulated investment products with published rates – all in one unified Halo account.
- Goal-based plans with flexible top-ups and withdrawals
- Units in the Halo Equity Fund, professionally managed for you
- Transparent rates, with all fees disclosed upfront
Send and receive money, instantly and securely
Move funds between banks, cards, and digital wallets in seconds – locally and internationally – with bank-grade security
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- Instant local transfers across Nigerian banks
- Instant Naira transfers across Nigerian banks
- Batch payments and beneficiary management for repeat sends
Invest with your circle
For friends, colleagues and community who want to invest together, socially, without anyone holding the money. One club platform, up to 5 portfolios, every account held individually so your money is always in your account, one leaderboard.
- Invite friends, colleagues or community in minutes
- One shared platform, but money is always held in each member’s own account
- Climb an engagement leaderboard, invest with your people
- No pooling and no treasurer, so your money is always yours
Put a real number and a real date on every goal
Rent for next year, school fees for your kids, or the seed money for the business idea you’ve been sitting on. Halo Goal Plans give every goal flexible top-ups, transparent rates, and compounding you can watch.
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Regulated, insured, and built for you
Halo pairs SEC-regulated investment management with CBN-licensed, NDIC-insured banking in a single app, a combination almost nobody else offers. Your money is safer, and works harder, with us.
Banking services are provided by Halo Microfinance Bank Ltd (CBN-licensed); asset and investment management by Halo Nigeria Capital Management Ltd (SEC-licensed).
Your savings are protected by the Nigeria Deposit Insurance Corporation, so the money you keep with Halo is covered.
Biometric login, end-to-end encryption, and 24/7 transaction monitoring keep your account and your data secure.
Open an account in minutes, move money in seconds, and access investments and credit without paperwork loops.
Halo vs. Traditional Bank. Built for the way Nigerians actually bank today
No paperwork, no branch visits, no waiting. Open your Halo account, verify in minutes, and start putting your money to work today.
Swipe sideways to compare →
| Feature | Halo | Traditional Banks |
|---|---|---|
| Open an account | Under 5 minutes | Branch visit required |
| Naira wallets | Yes | Not offered |
| Halo Equity Fund access | From ₦10,000 | Min. ₦100,000 typical |
| Goal-based savings plans | Yes | Not offered |
| Group savings and cooperatives | Yes | Not offered |
| Instant local transfers | ₦0 fee | ₦10 – ₦52 per transfer |
| Personal credit | In-app, instant decision | Forms + days of waiting |
| Regulated by | CBN, SEC, NDIC | CBN |
