---
title: "3kle: Banking App in Nigeria — Fees"
description: "Open a free Nigerian bank account in minutes. Send/request money, QR pay, pay airtime & data, save in multiple ways, get quick loans, cards."
canonical_url: "https://liners.com/3kle"
markdown_url: "https://liners.com/3kle.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/3kle/screenshot.webp?v=1787318513136"
published_at: "2026-08-21T13:29:18.581Z"
updated_at: "2026-09-21T05:10:58.794Z"
---

# 3kle: Banking App in Nigeria — Fees

Open a free Nigerian bank account in minutes. Send/request money, QR pay, pay airtime & data, save in multiple ways, get quick loans, cards.

## Breadcrumbs

- [Banking](/categories/banking)
- [3kle](/3kle)

## Summary

Banking, payments, savings, and loans in one app

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://3kle.com/ |
| Tagline | Banking, payments, savings, and loans in one app |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Banking](/categories/banking): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Physical Cards](/tags/physical-cards): Product feature or technology
- [QR Payments](/tags/qr-payments): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/3kle/alternatives)
- [Reviews](/3kle/reviews)
- [Transparency](/3kle/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/3kle)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)