Flexible savings
10%a year
Earn interest every day and withdraw whenever you need to.
- No lock period
- Interest accrues daily
- Withdraw at an agent or by transfer
Savings that grow with you
Flexible, fixed and target savings for every kind of goal.
Three ways to save, for every kind of goal.
Start with as little as ₦1,000. Interest is credited to your account, and eligible deposits are insured by NDIC.
Fixed savings
18%a year
Lock money away for 30 to 365 days and earn our highest rate.
- Choose your own lock period
- Take interest upfront or at maturity
- Auto-renew when it matures
Target savings
14%a year
Name a goal like rent, school fees or new stock, and save towards it automatically.
- Save daily, weekly or monthly
- Track progress in the app
- Save on your own or as a group
See how your money grows
You'll have
₦0
- Interest rate
- You put in
- Interest earned
Estimate before withholding tax. Rates can change; the rate on the day you start a plan is the one you keep.
Start savingOpen your account in three steps.
All you need is a phone number and your BVN or NIN. No minimum balance, no monthly fee.
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Use the app or FSE USSD
Open your account in the app or through FSE USSD. Agents are for cash pickup after you request a withdrawal and receive a token.
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Verify who you are
Enter your BVN or NIN and take a quick selfie. Most accounts are ready in under five minutes.
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Save, borrow or get covered
Fund your account by transfer or cash at an agent, then start a plan or apply for a loan.
All of FSE in your pocket.
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.
