---
title: "Bank78: Digital Banking App in Nigeria"
description: "Open savings or current accounts in Nigeria, send/receive money, and pay bills on web, Android or iOS with this licensed microfinance bank."
canonical_url: "https://liners.com/bank78"
markdown_url: "https://liners.com/bank78.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/bank78/screenshot.webp?v=1780665777461"
published_at: "2026-06-05T23:13:42.405Z"
updated_at: "2026-09-21T05:11:00.563Z"
---

# Bank78: Digital Banking App in Nigeria

Open savings or current accounts in Nigeria, send/receive money, and pay bills on web, Android or iOS with this licensed microfinance bank.

## Breadcrumbs

- [Banking](/categories/banking)
- [Bank78](/bank78)

## Summary

Digital banking for transfers and bill payments on the go

A licensed Nigerian microfinance bank offering digital savings and current accounts, money transfers, and bill payments for individuals and businesses via web and mobile apps.

## Product details

| Field | Value |
| --- | --- |
| Website | https://bank78.co/ |
| Tagline | Digital banking for transfers and bill payments on the go |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Bank78 MFB is a licensed Nigerian microfinance bank that provides digital banking for individuals and businesses who want to manage accounts, transfers, and bill payments online.

Key capabilities include:
- Open and manage **savings and current accounts** through digital onboarding and in-app account management
- **Send and receive money** with fast transfers for everyday payments and personal finance
- **Pay bills on the go** from a mobile-first banking experience
- Access **personal and business banking** sections, supporting both individual users and organisations

Available on **Web** (app.bank78.co), **Android**, and **iOS**.

It targets Nigerian consumers, including mass-affluent and everyday users, and also supports businesses through its Business offering.

Notable in Nigeria’s fintech market for positioning as a fully digital, private-banking style experience delivered at scale, while operating as a **Central Bank of Nigeria licensed and regulated** microfinance bank (RC 7364151) and highlighting **encryption and security protocols** for customer data protection.

## Features

- [Banking](/categories/banking): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Microfinance Bank](/tags/microfinance-bank): Product feature or technology
- [Multi-currency](/tags/multi-currency): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/bank78/alternatives)
- [Reviews](/bank78/reviews)
- [Transparency](/bank78/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/bank78)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)