A Nigerian mobile finance app for individuals and businesses to save and invest for goals, earn interest, make transfers, pay bills, and access loans.
Vale Product Overview
Is Vale Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerians saving for goals
- Everyday bill payers
What It Does Well
- Goal-based savings
- Interest on savings
Things to Check
- Loan terms and limits
- Supported billers list
About Vale
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 requiring 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.
Vale 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. How we source dataAs of Sep 28, 2026, Vale is rated 3.3 on the App Store from 21 reviews and 3.7 on Google Play from 722 reviews with 100K+ installs.
Recent Reviews for Vale
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Vale Founders & Leadership Team
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Latest Vale News & Updates
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Jobs at Vale
| Title | Posted |
|---|---|
| Senior Credit Risk Analyst | Aug 28, 2026 |
Frequently Asked Questions About Vale
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.
Vale operates in Nigeria.
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.
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.
Vale is best suited for everyday Nigerians seeking easy, fee-free savings, investments, and payments.
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