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.

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.

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Vale: Funding, Reviews & Alternatives (2026) – Liners

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.

Available on:AndroidiOSWeb

Visit 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 , buy , pay , renew , and .