FSE gives traders, farmers, artisans and families quick loans, solar power they can pay for monthly, affordable health insurance and savings that grow. Bank from your phone or with an FSE agent on your street.
Built for everyday Nigerians
Millions of Nigerians earn, trade and raise families outside the reach of traditional banks. FSE exists to close the gaps in access to money, energy, healthcare and banking.
Small, fast loans priced fairly and built around how informal businesses actually earn, daily and weekly.
Solar on instalments cuts fuel costs, keeps shops open after dark and gives children light to study by.
Affordable monthly cover means a hospital visit no longer wipes out a family's savings or business capital.
Open and manage your account through the app or USSD. FSE agents provide cash pickup after you request a withdrawal and receive a token.
No collateral, no paperwork at a branch. Your repayment history with FSE raises your limit over time.
Cash for stock, school fees, rent or an emergency, paid into your FSE account once you're approved.
Replace the generator with clean solar power for your home or shop, with solar loans up to ₦500,000.
Quick loan
₦0
every month
This is an estimate. Your rate and limit are confirmed in the app before you accept a loan.
Apply for a loanStart with as little as ₦1,000. Interest is credited to your account, and eligible deposits are insured by NDIC.
10%a year
Earn interest every day and withdraw whenever you need to.
18%a year
Lock money away for 30 to 365 days and earn our highest rate.
14%a year
Name a goal like rent, school fees or new stock, and save towards it automatically.
You'll have
₦0
Estimate before withholding tax. Rates can change; the rate on the day you start a plan is the one you keep.
Start savingFSE Health Cover is provided with licensed HMO partners and paid monthly from your FSE account, so one illness doesn't undo years of progress.
₦500a month
₦4,500a month
Cover starts after a short waiting period. Full benefits, exclusions and the hospital list are shown in the app before you subscribe.
Request a cash withdrawal through the FSE app or USSD. Once your token is generated, collect your cash from an FSE agent near you.
All you need is a phone number and your BVN or NIN. No minimum balance, no monthly fee.
Open your account in the app or through FSE USSD. Agents are for cash pickup after you request a withdrawal and receive a token.
Enter your BVN or NIN and take a quick selfie. Most accounts are ready in under five minutes.
Fund your account by transfer or cash at an agent, then start a plan or apply for a loan.
We're a licensed microfinance bank, and we treat your security as seriously as your savings.
FSE operates under a microfinance banking licence from the Central Bank of Nigeria.
Eligible deposits are insured by the Nigeria Deposit Insurance Corporation.
Your data and transactions are encrypted, and every transfer needs your PIN or fingerprint.
Lost your phone? Freeze your account from any device or ask an FSE agent to do it for you.
Can't find your answer? Talk to our support team.
No. We look at your account activity, savings and repayment history with FSE. Customers who repay on time get higher limits and lower rates over time.
Choose a system that fits your home or business, and one of our certified partners installs it. You pay a deposit and then fixed monthly instalments. The system is yours once the loan is repaid.
Yes. Request a withdrawal through the FSE app or USSD. Once your withdrawal token is generated, visit an FSE agent to collect your cash.
You can withdraw before maturity, but you'll forfeit some or all of the interest on that plan. The exact charge is shown before you confirm.
Health cover is delivered with licensed Health Maintenance Organisations (HMOs). You'll see the partner, the hospital list and full benefits in the app before you subscribe.
FSE is licensed by the Central Bank of Nigeria and eligible deposits are insured by NDIC. Your account is protected with a PIN, device binding and biometric login.
Save, borrow, pay bills, buy airtime and manage your health cover from one app that works well on any Android phone.
No smartphone? Use FSE USSD to open an account, save, apply for a loan or get health cover. To withdraw cash, request it by app or USSD, then visit an FSE agent after your withdrawal token is generated.
