banking for value
Secure, intuitive banking for everyday Nigerians. Save, invest, transfer, and pay — even without network.
You are receiving
Show this to Tola — phone-to-phone
Both phones can be offline. The bank settles when either reconnects.
You received money
From Tola Adeyemi
Everything you need, one bank
From savings and transfers to offline payments and AI-assisted banking — we're building the most inclusive microfinance bank in Nigeria.
Open your account in 4 simple steps
No paperwork. No branch visits. Just your phone and a few minutes.
Create Account
Sign up with your name, phone number, and basic details in under 2 minutes.
Choose Account Type
Pick from tiered accounts — Tier 1 (BVN only), Tier 2, or Tier 3 for full access.
Verify Your Identity
Complete KYC with your BVN, NIN, and a quick selfie — fully digital, no branch visits.
Start Banking
Save, transfer, pay bills, invest, and access loans — all from your phone.
Make your money work harder
Choose from flexible savings, fixed deposits, and goal-linked plans — all with competitive returns and NDIC insurance.
Up to 13%
on fixed deposits
Flex + Goal
save your way
Set & Track
hit your targets
Every 24h
watch it grow
Savings Plans
NDIC insured · No hidden charges
Flex Savings
Open-ended · On demand
Goal Savings
3–12 months · On goal date or with penalty
Fixed Deposit
30–365 days · On maturity
Group Savings (Ajo)
30–180 days · On cycle completion
Ready to bank for value?
Join thousands of Nigerians who trust ValuePay for secure, intuitive everyday banking.