---
title: "Bank78 alternatives"
description: "Compare 6 published alternatives to Bank78."
canonical_url: "https://liners.com/bank78/alternatives"
markdown_url: "https://liners.com/bank78/alternatives.md"
type: "product-alternatives"
language: "en"
updated_at: "2026-09-20T11:51:54.662Z"
---

# Bank78 alternatives

Compare 6 published alternatives to Bank78.

## Breadcrumbs

- [Bank78](/bank78)
- [Alternatives](/bank78/alternatives)

## Summary

Compare 6 published alternatives to Bank78.

## About these alternatives

The strongest **Bank78 alternatives** in Nigeria right now are [FairMoney](https://liners.com/fairmoney), [Mkobo Bank](https://liners.com/mkobo-bank), [Aella](https://liners.com/aella), [Kolomoni](https://liners.com/kolomoni), and [Creditville](https://liners.com/creditville). The right pick depends on whether you care most about instant loans, higher-yield savings, business features like POS and payouts, or a microfinance-bank account you can run fully in-app.

Bank78 is a licensed Nigerian microfinance bank that offers digital savings and current accounts, transfers, and bill payments via web and mobile apps. It states it is **Central Bank of Nigeria licensed and regulated** as a microfinance bank, and cites RC **7364151**.

People usually compare apps like Bank78 when they want a more loan-forward product (some apps are built around credit), a savings product with a clearly stated rate, or broader coverage beyond Nigeria. Others prefer an app that focuses on business flows such as POS, payouts, and spend tracking, or a simpler everyday banking experience that feels less “private-banking” in tone. None of this makes Bank78 a poor choice; it means the market now has specialists worth comparing.

## What to Compare When Choosing a Bank78 Alternative
- **CBN microfinance-bank status**: if licensing matters to you, prioritise apps that are described as CBN-licensed microfinance banks, not just “fintech” brands.
- **Loans vs banking-first**: decide if you want borrowing as the main feature (credit-led apps) or a current-account experience with bills and transfers.
- **Savings rate and rules**: look for products that state an interest rate or savings structure clearly, for example Mkobo Bank advertises savings up to **24% p.a.**
- **Bill payments coverage**: confirm the bill categories you use most (airtime, data, utilities, TV) are supported inside the app.
- **Transfer pricing and limits**: check free-transfer quotas, daily limits, and how fast reversals happen when a transfer fails.
- **Business tools (POS, payouts, tracking)**: if you run a small business, compare features like POS support, payout tools, and spend tracking rather than personal banking polish.
- **Where you can use it**: Bank78 is Nigeria-focused, so if you travel or need multi-country access, consider an app with declared availability outside Nigeria.

Use Liners to filter Bank78 similar apps by licence type, [Microfinance Bank](/tags/microfinance-bank) features, [Bill Payments](/tags/bill-payments), [Lending and Loans](/tags/lending), [Savings](/tags/savings), and [Neobanks](/tags/neobanks), then compare your shortlist side by side.

## Compare Bank78 alternatives by what you need
- **If you want instant credit alongside banking**: [FairMoney](https://liners.com/fairmoney) and [Aella](https://liners.com/aella) are both positioned around borrowing plus transfers and bills in [Nigeria](/countries/nigeria).
- **If your priority is savings structure and yield**: [Mkobo Bank](https://liners.com/mkobo-bank) explicitly markets savings up to **24% p.a.** for salary earners and entrepreneurs.
- **If you need business and agent-style payments**: [Kolomoni](https://liners.com/kolomoni) calls out agency and **POS** support alongside accounts and bill payments.
- **If you want a broader Africa footprint**: [PalmPay](https://liners.com/palmpay) lists availability in **Nigeria, Ghana, and Tanzania**, which is useful if you want the same app across more than one market.

The Liners directory below groups Bank78 competitors and other [Fintech](/categories/fintech) options in [Nigeria](/countries/nigeria), so you can find what to use instead of Bank78, spot apps like Bank78 by feature, and shortlist alternatives that match how you bank day to day.

## Alternatives

| Name | URL | Tagline | Country | Rating |
| --- | --- | --- | --- | --- |
| Kredi | /kredi | Save, borrow, pay bills, and manage business payments in one app | Nigeria |  |
| Baines Credit Microfinance Bank | /baines-credit-microfinance-bank | Loans, savings, and investments for individuals and SMEs | Nigeria |  |
| Umba | /umba | Digital banking for saving, borrowing, and business payments | Kenya |  |
| Casha | /casha | Cross-border transfers and local payments with business banking | Nigeria |  |
| Sterling Bank | /sterling-bank | Digital and branch banking for everyday and business needs | Nigeria | 5 |
| MoneyMaster PSB | /moneymaster-psb | Digital banking for wallets, payments, merchants, and agents | Nigeria |  |

## Related pages

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

## Access and citation

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