Personal
Personal banking
Accounts, savings, loans and cards for everyday life on the plateau, with the same people at the counter every week.
01 / Choose
Everything for you and your family
Everyday current
No monthly fee, free transfers, debit card the same day.
SavingsArdent Grow
Savings rules, goals and monthly interest, example rate 12 percent.
SavingsFixed deposits
30 to 365 days, from ₦100,000, with a calculator.
BorrowingPersonal loans
Salary loans from ₦50,000 over 3 to 36 months.
CardsDebit and credit cards
Freeze, set limits and turn online payments on or off.
DigitalApp and USSD
Bank on any phone with *000#.
02 / Life stages
Accounts that grow with you
Students
Ardent Youth: no minimum balance, a card on day one and free transfers home.
First job
Everyday current with salary advance after three months of salary.
Family
Grow goals for school fees and rent, and joint accounts for couples.
Retirement
Pension collection at the counter with a priority queue on Mondays.
03 / Compare
Accounts side by side
| Account | Monthly fee | Card | Best for |
|---|---|---|---|
| Everyday current | ₦0 | Debit, same day | Salary and daily spending |
| Ardent Grow | ₦0 | Optional | Saving with rules |
| Ardent Youth | ₦0 | Debit, same day | Students 16 to 25 |
| Joint current | ₦500 | Two debit cards | Couples and families |
Example fees for this demo.
Questions
Questions people ask
What do I need to open an account?
A valid ID (national ID card, voter’s card, international passport or driver’s licence), your BVN and a passport photograph.
Can I open an account without visiting a branch?
Yes, in the chat or online. You collect your debit card at a branch or from an agent.
Is there a minimum balance?
No minimum balance on Everyday, Grow or Youth accounts.
Next
Open an account in ten minutes
Online, in the chat or at any branch.