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Bankoto is a web-based financial ERP for Nigerian SMEs that combines accounting, tax, payroll, payments, invoicing, and incorporation with automation and AI insights.

Bankoto is a web-based financial ERP and back-office solution for small businesses, combining software, automation, AI, and expert support to manage core finance operations from one dashboard.
Key capabilities include:
Available on Web.
Built for Nigerian SMEs across sectors such as retail, creative agencies, and restaurants that need a single place to manage accounting, payroll, taxes, and payments.
Notable in Nigeriaβs SME market for positioning compliance and business setup content around local requirements, and for stating it powers back-office operations for over 1,000 small businesses.
NG Β· 2 reviews
Jun 1, 2026
AI insights flagged that one employee's overtime was consistently over budget β helped me adjust. SMEs drowning in spreadsheets Nigerian, Use Bankoto