What is Vale and how does it work?

Vale is a mobile banking platform that offers innovative savings products, payments, investments, and loans. It works by partnering with traditional banks to provide fee-free services like target savings with up to 13% interest per annum, daily interest on balances, and seamless transactions through its mobile app.

How do I sign up for Vale?

Download the Vale mobile app, set up your profile with your name and contact details, provide personal ID for verification, and create a password and transaction PIN. For business accounts, also submit director details and CAC documents.

Does Vale have a mobile app?

Yes, Vale is available on iOS and Android. You can download Vale on the App Store for iPhone, or get it on Google Play for Android.

Who is Vale best suited for?

Vale is best suited for everyday Nigerians seeking easy, fee-free savings, investments, and payments, as well as businesses needing accounts with daily interest, loans, and seamless transactions.

How do I contact Vale support?

Contact Vale support at +234 906 281 8090, +234 913 938 1465, or complaints@valefinance.com. Their office is at UAC Building, 1-5 Odunlami St, Lagos Island, Lagos.

Does Vale have a plan for teams or businesses?

Yes, Vale offers Vale Business for teams and businesses, including Flex business accounts with up to 10% daily interest, loans, and payments.

Vale

🇳🇬 Nigeria

A Nigerian mobile finance app for individuals and businesses to save and invest for goals, earn interest, make transfers, pay bills, and access loans.

Use it on:Web Android· 3.7 iOS· 3.3

Is Vale right for you?

Best for

Nigerian individuals
Nigerian small businesses
Goal-based savers
Everyday bill payers
People needing loans

What it does well

Goal-based saving
Interest-earning savings
Simple investing
Money transfers
Bills and airtime payments

Things to check

Loan eligibility rules
Loan repayment terms
Investment options offered
Billers and services list
Pricing fit

Vale is a Nigerian mobile finance application for individuals and businesses that want to save for goals, earn returns, make everyday payments, and access loans through a single app.

Key capabilities include:

Savings and investment plans: Target Savings supports goal-focused saving with up to 12% interest per annum on completion; Vault lets users lock funds to earn up to 22.5% per annum, with interest paid upfront or at maturity, plus an investment certificate; Savings Challenge offers 13% per annum plus an extra 5% on completion.
Wallet with daily interest: the Flex wallet pays 15% interest per annum, credited daily, on wallet balances.
Payments and transfers: users can make free bank transfers, transfer to other users via phone number, buy airtime and data, pay utilities, renew pay-TV subscriptions, and track expenses.
Loans and business accounts: the app includes fast, flexible loans and supports business accounts that require verification with CAC documents.

Available on Web, Android and iOS.

Built for everyday Nigerians managing personal money and Nigerian businesses that need banking features, transactions, and financing.

Notable in Nigeria for being powered by a company licensed and regulated by the Central Bank of Nigeria (CBN) and for emphasizing transaction security with 256-bit SSL encryption and PCI-DSS compliant payment processors.

As of Jun 22, 2026, Vale is rated 3.3 on the App Store from 20 reviews and 3.7 on Google Play from 684 reviews with 100K+ installs.

Social Links:

Categories:

Fintech

Features & Business Model:

b2c bill-payments lending savings