Licensed by CBN · Insured by NDIC

Next generation banking, built for you.

Instant deposits, seamless transfers, 24/7 loans and effortless payments - everything you need to keep your finances moving. At Prodigy, together we succeed.

Apply for a loan →Download the app
Regulator◆ Central Bank of Nigeria
Deposit insurance◆ NDIC insured
Savings rate◆ Up to 12.5% p.a.
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// Everything money

One account. Every way your money moves.

From instant deposits to seamless transfers, quick access to loans and effortless payments - all inside the Prodigy app.

24/7
⚡

Instant Loans

No long forms and no delays. Apply any time and receive funds in your Prodigy account instantly.

More about loans →
12.5% p.a.
🌱

Savings

Earn up to 12.5% interest on a 12-month fixed savings plan, from a ₦50,000 minimum opening deposit.

Grow your savings →
Secure
💳

Debit Card

Pay online or offline with instant notifications and full in-app security controls - freeze, unfreeze and set your own limits.

Meet the card →
Instant
↗

Payments & Transfers

Seamless transfers to any Nigerian bank, airtime and bill payments - done in seconds, right from the app.

How it works →
// Business loan calculator

Estimate your business loan

Restocking, cash flow or expansion - slide to size the loan your business needs and see the repayment before you apply.

Loan amount₦500,000
Repayment period
Tenor6 months
RateFrom 4% monthly
Monthly repayment
₦103,333
Total repayable
₦620,000
Total interest: ₦120,000

Illustration only, at an indicative flat rate of 4% per month. Your actual rate, fees and repayment schedule are shown before you accept - no surprises. Terms and conditions apply.

Apply for a loan →
Applied
09:41 AM
Loan requestAPPROVED
₦0
Disbursed to your Prodigy account
Charges
No hidden fees
Funded in
Seconds
// Instant loans

Money when you need it. Not weeks later.

  • ✓Fast disbursements. Approved loans land in your Prodigy account in seconds, any time of day.
  • ✓No hidden charges. The rate, fees and repayment you see upfront are exactly what you pay.
  • ✓Apply 24/7, funded instantly. Request a loan at 2 a.m. on a Sunday and receive it in your Prodigy account immediately.
  • ✓Grow your limit. Repay on time to unlock higher loan amounts and lower interest rates.
Check your loan offer →
// Get started in minutes

Three steps to your Prodigy account

Download, register, bank. That's the whole onboarding.

02

Register within minutes

Tell us a few details about yourself so we can create your Prodigy account quickly and securely.

03

Start banking

You're ready to go - deposits, transfers, loans, bills and savings, all inside the app.

Challenge us to help your business flourish.

From working-capital loans to payment collections, Prodigy backs Nigerian businesses of every size. Talk to us today.

Explore business banking →