A Nigerian neobank for individuals and businesses to open accounts fast, make instant transfers, pay bills, earn cash-convertible points, and invest via fixed deposits.
Dot Product Overview
Is Dot Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian individuals
- Nigerian small businesses
What It Does Well
- Quick account opening
- Instant transfers
Things to Check
- Eligible business types
- Billers supported
About Dot
Dot is a mobile-first neobank for individuals and businesses in Nigeria, offering digital accounts for everyday payments, savings, and business finance.
Key capabilities include:
- Instant bank transfers that deliver funds to recipients in about 10 seconds, available from phone or web
- Bill payments for essentials such as electricity, airtime, and data
- Rewards (Dot Points) earned on payments or transfers received, with points convertible to cash
- Fixed deposit investments for customers who want a structured way to grow savings, plus the option to request a physical card delivered anywhere in Nigeria
Available on Web, Android, iOS, and API for integration.
It serves B2C users who want fast transfers, bill payment, savings, and a physical card, and B2B users who need business accounts and tools for payments, collections, investments, and loans.
Notable in Nigeria’s fintech market for being licensed by the Central Bank of Nigeria (CBN) and for positioning itself around quick onboarding (account creation in about 5 minutes) and always-on access for digital banking.
Dot Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataAs of Oct 5, 2026, Dot is rated 3.8 on the App Store from 16 reviews and 3.5 on Google Play from 322 reviews with 10K+ installs.
Recent Reviews for Dot
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Dot Founders & Leadership Team
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Latest Dot News & Updates
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Frequently Asked Questions About Dot
Dot is a CBN-licensed digital microfinance bank in Nigeria. Users can open a bank account in 5 minutes via the mobile app or web and access services like instant transfers, bill payments, debit cards, fixed deposit investments, and a rewards (points) system—available 24/7.
Dot is generally free to start, but paid plans exist and commonly start around $9.99/month for consumer AI access and about $29/month or more for business/data-focused plans, depending on the product version and usage level.
Dot operates in Nigeria.
Download the Dot app on Android or iOS, or visit the web banking platform at retail.dot.ai. Account opening takes approximately 5 minutes.
Yes. Dot has a mobile banking app available on both Android (Google Play) and iOS (App Store). A web banking platform is also available.
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