Banking the bold
for the ones who start small and refuse to stay small.
Smart banking for individuals and growing businesses. Send money, pay bills, save towards a target, invest at a rate you can see, and borrow when the moment is right.
One account. Everything a growing life or business needs.
Personal and business banking, credit, investments and savings, all running on the same NUBAN and the same app.
Personal Banking
A NUBAN account opened with your BVN in minutes. Instant transfers to any Nigerian bank, airtime and data, bills, a debit card and statements on demand.
Explore personal bankingBusiness Banking
Multi-user accounts with roles and approval limits, transaction rules you control, bulk payments and payroll, and records your auditors will accept.
Explore business bankingLoans
Working capital, asset finance and salary-backed loans. Clear pricing, a decision in hours rather than weeks, and a repayment plan agreed before you sign.
Explore loansInvestment
Fixed deposits from 30 days with the rate, tenor and maturity date shown before you commit. Interest computed daily and paid exactly as scheduled.
Explore investments
Savings
Targets and pockets that put money away automatically, Viscount Boost for ten-day plans, and FutureBold accounts for children under eighteen. Set it once and let it run.
Start savingThe sentence finishes differently for everyone
Boldness looks like a stall opened before sunrise, a payroll met on the 25th, a first shop lease, a savings plan nobody knows about. We built one bank for all four.
Everything from one screen
Available and ledger balance, overdraft, quick actions and a running view of money in and out for the month, all on the home screen. No menus to dig through, no surprise charges at confirmation.
- Instant transfers, any bankNIBSS Instant Payment to every Nigerian bank, with the fee and VAT itemised before you confirm.
- Cards you controlFreeze, set limits, and reveal details with your PIN. Details auto-hide after thirty seconds.
- Pockets and savings on autopilotSet money aside in pockets, targets and Boost plans that move on a schedule you set once.
Built for the business that has outgrown one signatory
When the founder is no longer the only person who pays people, the account has to keep up. Viscount business accounts give you control over who can move money, how much, and when.
- Roles and approval limitsInitiators, approvers and viewers, with single-transaction and daily caps per role.
- Transaction rules you setBlock weekend payments, restrict transfers to business hours, or limit them to registered locations.
- Bulk payments and payrollUpload a schedule once, approve once, and pay forty people in a single run with one reference.
- POS and virtual terminalCards on the POS, transfers confirmed in real time on the virtual terminal from any phone or browser, all settling into the same account.
- Developer APIVirtual accounts, transfers and webhooks for businesses that collect and disburse from their own software.
Credit that arrives while the opportunity is still there
A container at the port, a school term about to start, a contract that pays on delivery. Our lending is designed around the timing of real Nigerian commerce, not the convenience of the lender.
- Working capitalShort-tenor facilities for stock and receivables, repaid on your sales cycle.
- Asset financeVehicles, equipment, generators and solar for businesses and schools, secured on the asset.
- Salary-backed loansFor employees of registered organisations, repaid by standing instruction on payday.
- Priced in the openInterest, fees and total cost of credit on the offer letter before you accept.
Protected the way a bank should be
Your deposits are insured, your data is protected under Nigerian law, and every transaction has to pass controls you help set.
NDIC deposit insurance
Deposits are insured by the Nigeria Deposit Insurance Corporation, the same protection that covers commercial bank deposits.
Two-factor on sensitive actions
Transfers above your limit, new beneficiaries, device changes and card reveals all require a second factor.
Limits and locations you control
Set your own daily and single-transaction caps, block payments outside business hours, restrict to registered locations.
Data protected under the NDPA
We collect only what the account needs, encrypt it at rest and in transit, and never sell customer data.
Three steps to a working account
No branch visit, no paperwork to print. Most customers are transacting within ten minutes of downloading the app.
Download and verify your BVN
Install the Viscount app, enter your phone number and BVN, and confirm the code we send you.
Take a selfie and add your ID
A quick liveness check plus your NIN, driver's licence, voter's card or passport. Review usually completes in minutes.
Fund it and start transacting
Your NUBAN is live immediately. Transfer in from any bank, then send, pay, save and invest from the same screen.
A regulated bank, not an app with a wallet
Viscount Microfinance Bank Limited is licensed by the Central Bank of Nigeria and your deposits are insured by the Nigeria Deposit Insurance Corporation. Every account is a real bank account with a NUBAN, and every complaint has a regulator behind it.
Things people ask before they open an account
Is my money safe in a microfinance bank?+
What do I need to open an account?+
Can I send money to other banks?+
How quickly can I get a loan?+
Can I open an account for my child?+
What does a business need to open an account?+
What happens if I have a complaint?+
Your bank, in your pocket
Open an account with your BVN and a selfie, then send, pay, save, invest and apply for a loan without visiting a branch.
- Account opened in under ten minutes
- No opening balance, no monthly fee on personal accounts
- Available on iOS and Android
One place for help, answered in minutes
Every question, request and complaint goes through our support portal. Open a ticket and a member of the team replies within 5 to 30 minutes, every day of the week between 7am and 8pm WAT. Tickets raised outside those hours are answered from 7am.