A current account that keeps pace with you
Your own NUBAN, opened from your phone with your BVN. Send money to any Nigerian bank in seconds, pay bills, get a debit card, and see every kobo in and out without visiting a branch.
Everything a current account should do, and a few things most don't
The basics done properly, then the controls and tools that make day-to-day money easier.
Instant transfers to any bank
NIBSS Instant Payment to every Nigerian bank, with the fee and VAT itemised before you confirm. Viscount-to-Viscount is free.
A debit card you control
Physical card delivered by courier, virtual card ready immediately. Freeze, set limits and reveal details with your PIN from the app.
Bills and airtime
Electricity, cable, internet, betting and airtime for all networks. Save billers so the next payment takes two taps.
Pockets
Set money aside for rent, school fees or a trip without opening another account. Move it back the moment you need it.
Statements on demand
Download a stamped PDF statement for any period from the app. Accepted for visa applications, rent and loan assessments.
Overdraft when you qualify
Customers with a steady inflow history can be offered an overdraft on the account. The limit, rate and total cost are shown before you accept.
Your whole account on one screen
Available and ledger balance, overdraft headroom, quick actions and a running view of this month's money in and out. Tap the eye to hide balances when you're in public.
- Two balances, no confusionAvailable is what you can spend now. Ledger includes what's still clearing. Both are always visible.
- Send, pay, pocket, reviewThe four things you do most often sit under the balance, one tap away.
- This month, at a glanceMoney in, money out and the number of credits, so you know where the month stands without opening a statement.
A card that answers to you, not the other way round
Every Viscount current account comes with a Verve debit card, chip and contactless. Use it at ATMs, POS terminals and online across Nigeria, and manage it entirely from the app.
- Freeze and unfreeze in a tapMisplaced it? Freeze it. Found it in the other jacket? Unfreeze it. No call to the bank either way.
- Details that hide themselvesReveal the number, expiry and CVV with your PIN. They disappear again after thirty seconds.
- Delivered to your doorPhysical cards are dispatched by courier and you can track the delivery in the app. A virtual card is ready the moment your account is.
- Limits per channelSet separate daily limits for ATM, POS and online, and turn online payments off entirely when you're not using them.
Start with a phone number. Upgrade when you're ready.
Nigerian accounts are tiered under the Central Bank's KYC framework. Each tier unlocks higher limits. Upgrade in the app in a few minutes.
| What you need | Tier 1 | Tier 2 | Tier 3 |
|---|---|---|---|
| Identification | Phone number and BVN or NIN | BVN, NIN and a selfie | BVN, NIN, selfie, valid ID and proof of address |
| Single deposit limit | ₦50,000 | ₦100,000 | No limit |
| Maximum balance | ₦300,000 | ₦500,000 | No limit |
| Transfers to other banks | ✓ Within limits | ✓ Within limits | ✓ Your own limits |
| Debit card | Virtual card | Virtual and physical | Virtual and physical |
| Pockets and savings plans | ✓ | ✓ | ✓ |
| Overdraft eligibility | — | — | ✓ After 3 months of inflows |
| Time to open | About 3 minutes | About 7 minutes | Usually same day |
Tier limits follow the Central Bank of Nigeria's tiered KYC requirements and may be revised by the regulator. Transaction limits you set yourself in the app can be lower than the tier limit but never higher.
Ten minutes, your phone, and nothing to print
Most customers have a working NUBAN before they've finished their coffee. Here's exactly what happens.
Verify your phone and BVN
Enter your number and BVN. We match them against the CBN's records and send you a code.
Take a selfie and add your ID
A liveness check plus your NIN, driver's licence, voter's card or passport for Tier 2 and above.
Get your NUBAN and start
Your account number is live immediately. Fund it from any bank and your virtual card is ready to use.
About the current account
Is there a minimum balance?+
Can I receive my salary into this account?+
How do I upgrade my tier?+
What if I lose my card?+
Can I have more than one current account?+
Is a microfinance bank account as safe as a commercial bank account?+
Open your current account today
Phone number, BVN and a few minutes. Your NUBAN is live before you've finished the last step.
- ₦0 to open, ₦0 monthly
- Virtual card ready immediately
- Deposits insured by the NDIC
