---
title: "Kredi: Savings, Loans, Bill Payments and POS"
description: "Save and earn up to 26% p.a. in Nigeria, get instant loans, transfer to any bank, pay bills and run bulk business payouts via API and POS."
canonical_url: "https://liners.com/kredi"
markdown_url: "https://liners.com/kredi.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/kredi/screenshot.webp?v=1785410323535"
published_at: "2026-07-21T22:22:02.373Z"
updated_at: "2026-09-21T05:11:09.248Z"
---

# Kredi: Savings, Loans, Bill Payments and POS

Save and earn up to 26% p.a. in Nigeria, get instant loans, transfer to any bank, pay bills and run bulk business payouts via API and POS.

## Breadcrumbs

- [Banking](/categories/banking)
- [Kredi](/kredi)

## Summary

Save, borrow, pay bills, and manage business payments in one app

A digital microfinance banking app for Nigerians to save, get instant loans, transfer funds, pay bills, run business payouts, and support POS agency banking.

## Product details

| Field | Value |
| --- | --- |
| Website | https://thekredibank.com/ |
| Tagline | Save, borrow, pay bills, and manage business payments in one app |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Banking](/categories/banking): Category
- [Agent Network](/tags/agent-network): Product feature or technology
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Bulk Payments](/tags/bulk-payments): Product feature or technology
- [Microfinance Bank](/tags/microfinance-bank): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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