What is Dot and how does it work?

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.

How much does Dot cost?

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.

How do I sign up for Dot ?

Download the Dot app on Android or iOS, or visit the web banking platform at retail.dot.ai. Account opening takes approximately 5 minutes.

Does Dot have a mobile app?

Yes. Dot has a mobile banking app available on both Android (Google Play) and iOS (App Store). A web banking platform is also available.

Who is Dot best suited for?

Dot is best suited for individual users (students, creators, professionals) who want access to multiple AI models in one app, and also data or business teams that need AI-driven analytics or integrations across tools.

How do I contact Dot support?

For support, send an email to hello@dot.ai or help@dot.ai or call +2348034332345.

Does Dot have a plan for teams or businesses?

Yes, Dot offers business, team, and enterprise plans with features like integrations, workspaces, SSO, and governance tools for scaling organizations.

Does Dot offer an API or integrations?

Yes, Dot offers a public API. View the official Dot API documentation for endpoints, authentication, and integration guides.

Dot

🇳🇬 Nigeria

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.

Use it on:Web Android· 3.3 iOS· 3.9 API

Is Dot right for you?

Best for

Nigerian individuals
Nigerian small businesses
Salary earners
Bill payers
Fixed deposit savers

What it does well

Fast account opening
Instant transfers
Bill payments
Cash-back points
Fixed deposit investing

Things to check

Business account requirements
Fixed deposit terms
Points cash-out rules
Card delivery timeline
Billers supported

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.

As of Jun 22, 2026, Dot is rated 3.9 on the App Store from 15 reviews and 3.3 on Google Play from 294 reviews with 10K+ installs.

Phone:+234 803 433 2345

Social Links:

Categories:

Fintech

Features & Business Model: