---
title: "Vale: Savings, Bill Pay and Loans App in Nigeria"
description: "Save, invest and pay bills in Nigeria: up to 22.5% p.a. Vault (interest upfront or at maturity), 15% daily wallet interest, free transfers and loans."
canonical_url: "https://liners.com/vale"
markdown_url: "https://liners.com/vale.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/vale/screenshot.png?v=1773321319065"
published_at: "2026-03-12T13:15:46.481Z"
updated_at: "2026-10-05T15:19:56.044Z"
---

# Vale: Savings, Bill Pay and Loans App in Nigeria

Save, invest and pay bills in Nigeria: up to 22.5% p.a. Vault (interest upfront or at maturity), 15% daily wallet interest, free transfers and loans.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Vale](/vale)

## Summary

Save, invest, pay bills, and access loans in one app

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

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.vale.ng/ |
| Tagline | Save, invest, pay bills, and access loans in one app |
| Primary country | Nigeria |
| Platforms | Android, iOS, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Investments](/tags/investments): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Personal Finance](/tags/personal-finance): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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