---
title: "Dot: Banking App in Nigeria"
description: "Open personal or business accounts in Nigeria in ~5 minutes. Send transfers in ~10 seconds, pay electricity/airtime/data, earn cash points, invest."
canonical_url: "https://liners.com/dot"
markdown_url: "https://liners.com/dot.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/dot/screenshot.webp?v=1772269164263"
published_at: "2026-03-12T23:04:58.600Z"
updated_at: "2026-10-05T05:13:38.070Z"
---

# Dot: Banking App in Nigeria

Open personal or business accounts in Nigeria in ~5 minutes. Send transfers in ~10 seconds, pay electricity/airtime/data, earn cash points, invest.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Dot](/dot)

## Summary

Personal and business banking in Nigeria without the stress

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.dot.ai/ |
| Tagline | Personal and business banking in Nigeria without the stress |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [BaaS](/tags/baas): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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