Aella

Aella is a CBN-licensed digital banking platform for individuals and small businesses in Nigeria that provides loans, savings, payments, and money management in a mobile-first experience.

Key capabilities include:

• Quick personal and business loans accessed from the app, including non-collateralized options with amounts from ₦2,000 to ₦1,500,000 and 61 to 365 day tenors (interest varies by loan).
• Savings and vault accounts designed for everyday saving, including zero maintenance fees and high-yield savings options.
• Payments and transfers to support day-to-day money movement, including bill payments and transfers to Nigerian bank accounts.
• Business banking tools such as payments and collections, plus merchant support and fintech-as-a-service offerings.

Available on Web, Android, and iOS.

Target users include underbanked individuals and SMEs that need faster access to credit, fee-free savings, and digital payments in Nigeria.

Notable in the Nigerian market context, the service operates as a microfinance bank with NDIC-insured deposits and Central Bank regulation, and it supports both consumer banking and merchant payment workflows through a single platform.

As of Jun 22, 2026, Aella is rated 4.6 on the App Store from 124 reviews.