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Digital banking for transfers and bill payments on the go
Kredi
A digital microfinance banking app for Nigerians to save, get instant loans, transfer funds, pay bills, run business payouts, and support POS agency banking.
Kredi Product Overview
Is Kredi Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian savers
- People needing quick loans
What It Does Well
- Savings accounts
- Instant loans
Things to Check
- Loan limits
- Repayment terms
About Kredi
Kredi is a fully digital microfinance banking app for individuals and businesses in Nigeria to save, borrow, pay bills, transfer money, and manage collections and payouts from one place.
Key capabilities include:
- Personal banking in one app: open an account, transfer funds to any bank in Nigeria, pay bills (including cable subscriptions), top up airtime and data, request an instant loan, and access asset insurance services.
- Savings products with published rates: fixed and recurring options such as Kredi Pot (13% p.a.), Kredi Safelock (15% p.a.), Kiddyvest (18% p.a.), and Kredi Vault (up to 26% p.a.).
- Business banking and payouts: business accounts for SMEs and larger companies, including single payout transfers and payout APIs for paying multiple beneficiaries at once.
- Agency banking via POS: POS support for agents and businesses, with dedicated agent and business POS portals to access and monitor earnings.
Available on Android and iOS, with supporting web portals (KrediPay, POS, insurance) and a KrediPay API (documentation available online).
Target users include Nigerian consumers and salary earners, plus SMEs and businesses that need digital accounts, POS operations, and payout or collections integrations.
Notable in the Nigerian market for positioning as a Central Bank of Nigeria licensed digital microfinance bank, and for combining savings, loans, bill payments, POS agency banking, and payment APIs under one product suite.
Kredi 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. Learn moreOperates In
Official Links
As of Sep 21, 2026, Kredi is rated 3.7 on the App Store from 494 reviews and 3.9 on Google Play from 3.6K reviews with 1M+ installs.
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Kredi Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. Learn moreKredi has raised $1.2M across 3 recorded funding events. The latest was Seed in Jul 2023.
- Total Raised:
- $1.2M
- Latest Round:
- Seed
Kredi Investors & Funding Rounds
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Kredi Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. Learn moreFrequently Asked Questions About Kredi
Kredi is a fully digital microfinance banking app for individuals and businesses in Nigeria that lets you open accounts, save, borrow, transfer money, pay bills, and manage business payouts from one platform. You use the mobile app and web portals to fund your wallet or account, make transfers, set up savings plans, request loans, and manage POS or payout operations for your business.
Kredi does not publicly list a full pricing or fee schedule, and only generally refers to very low charges for business accounts and services. Any interest, fees, or charges you see for specific products (such as loans or savings plans) are shown within the app or relevant product pages when you use those services.
Kredi operates primarily in Nigeria as a Central Bank of Nigeria licensed digital microfinance bank. Its physical offices, phone numbers, and services are targeted at Nigerian users and businesses.
To sign up for Kredi, you download the Kredi app on Android or iOS, register with your personal details, verify your identity, and then fund your Kredi wallet or account to start transacting. Business users can also reach out through the SME banking contacts to set up business and payout solutions.
Yes, Kredi is available on iOS and Android. You can download Thekredibank on the App Store for iPhone, or get it on Google Play for Android.
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