Cross-border transfers and local payments with business banking
A Nigerian digital banking app for consumers to open an account, send and request money, pay bills, save in multiple ways, access loans, and manage cards.
3kle Product Overview
Is 3kle Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian consumers
- Everyday money transfers
What It Does Well
- Open an account
- Send and request money
Things to Check
- Loan eligibility rules
- Interest and fees
About 3kle

3kle is a Nigerian digital bank and wealth management app for consumers who want everyday banking, payments, savings, and borrowing in one place.
Key capabilities include:
- Everyday banking: open a free bank account in minutes, fund the account, and manage day-to-day transactions
- Payments: send and request money, pay bills (including airtime and data), split bills, make QR payments, set up scheduled payments, and access cross-border payments (Global Pay)
- Savings: goal savings, fixed savings, emergency savings, spend-and-save, foreign currency savings, and rotational group savings
- Credit and borrowing: quick loans, P2P borrowing and lending (personal and business), overdraft, plus credit score and budget spending tools
- Cards and travel: physical and virtual cards, flight ticket purchasing, and a currency converter
Available on Web and via the official apps on Android (Google Play) and iOS (Apple App Store).
Target audience: B2C, primarily individuals in Nigeria; business features are listed as coming soon.
Notable in the Nigerian market context, the company states it is a registered digital bank and wealth management company and is fully licensed by the National Deposit Insurance Corporation of Nigeria (NDIC). Pricing includes a free Starter plan on sign-up, and the site advertises free transfers.
3kle Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataAs of Oct 5, 2026, 3kle is rated 3.7 on Google Play from 43 reviews with 10K+ installs.
Recent Reviews for 3kle
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Frequently Asked Questions About 3kle
3kle is a Nigerian digital bank and wealth management app for everyday banking, payments, savings, and borrowing. You can open an account, send and request money, pay bills, save in different ways, use cards, and access loans in one app.
3kle has a free Starter plan, and the site also advertises free bank account opening and free transfers to all accounts. Some services may have their own fees, but the basic plan is free.
3kle primarily operates in Nigeria. It also offers cross-border payments and foreign currency savings.
You can sign up on 3kle by creating a free account through its website or app. The site says account opening takes minutes.
Yes, 3kle is available on iOS and Android. You can download 3kle on the App Store for iPhone, or get it on Google Play for Android.
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