Welcome to Kredi

Your Burning Question, Answered

If you’re new or looking for answers to your questions, this guide will help you learn more about our services and their features.
What's Kredi All About?
Kredi is an all-in-one digital bank designed to meet your financial needs. From loans, insurance, and investments to savings and POS services, Kredi helps you take full control of your money.
Yes, Kredi is a product of Kredimoney Microfinance Bank (MFB), licensed by the Central Bank of Nigeria, with registration number RC 878594. All deposits are insured by the NDIC.
Yes, we do! Feel free to visit us at Plot 8B, Babatunde Anjous Road, Lekki Phase 1, Lagos, Nigeria.
Certain personal details such as your name, phone number, BVN, and date of birth cannot be edited directly through the Kredi app.

Kredi Vault is a fixed savings plan offering up to 26% interest per annum. You can transfer funds from your Kredi wallet or any traditional bank account into your Vault and save for a minimum of 3 months without access to the funds until maturity. The minimum deposit for the Kredi Vault plan is N5,000.

  1. Log into the Kredi app.
  2. Click on “Savings” and select “Any Preferred Savings.
  3. Input a name for your plan.
  4. Enter the amount you want to save.
  5. Choose your funding method—either “Automated” or “Manual.”
  6. Enter your desired savings duration.
  7. Select a funding method and click on “Create Plan!”
No worries! There are no penalties for missed contributions with Kredi Pot. We won’t automatically debit your account if you skip a day, week, or even a month. You can always make manual payments later to catch up at your convenience.

You can create as many plans as you’d like!

Kredi’s Kiddyvest plan is designed to help you save for your children’s future—whether it’s for holidays, school fees, or other major expenses
Yes, Kredi provides loans through the app! As a working professional, you can apply for a loan of up to N50,000. You will need a valid work email to complete the loan application process.
How Do I Get Started?
Getting started is easy! Download the Kredi app from the Google Play Store (for Android) or the App Store (for iPhone), sign up, and begin banking for free.
Yes! Once you sign up on the app, you will receive your account number instantly—no delays!
To receive your Kredi statement of account, simply send an email to info@thekredibank.com. Specify the timeframe you would like covered (e.g., March-April 2024). Your statement will be sent to your email within a few business days.
You can create as many Vault plans as you’d like!
Kredi Safelock is a fixed savings plan that allows you to earn up to 15% interest per annum. You can transfer funds from your Kredi wallet or traditional bank account and lock them for a minimum of 60 days, with no access to the funds until maturity. The minimum deposit for Kredi Safelock is N1,000.
Kredi Pot helps you build financial discipline by allowing you to save automatically on a daily, weekly, or monthly basis. You can also choose to save manually if you prefer.

Applying for the Nano Loan is simple! Just follow these steps:

  1. Download the Kredi App.
  2. Create an account and log in.
  3. Click on the ‘LOANS’ icon.
  4. Select ‘+ New Loan.’
  5. Choose the ‘Nano Loans’ option.
  6. Upload the required documents for each section (Proof of Address, Proof of Identification, Proof of Employment, and National Identification Number (NIN)).
  7. Carefully fill in the necessary details using your official email address.

Once all documentation is validated, your loan will be reviewed and approved.

Your loan request may have been rejected for the following reasons:

  • You did not meet the required credit score.
  • We could not validate your work email.
  • You uploaded incorrect documents.

You have a poor credit history.

Your information is secure with us. We comply with regulatory requirements set by the Central Bank of Nigeria (CBN) for all our customers

The repayment period for the Nano Loan is one month (30 days).

The Kredi App prioritizes the protection of your personal information. Biometric authentication (thumbprint or Face ID) is required when opening a KREDI account for added security. Always keep your login credentials confidential and never share them with anyone.

What's Kredi All About?
Kredi is an all-in-one digital bank designed to meet your financial needs. From loans, insurance, and investments to savings and POS services, Kredi helps you take full control of your money.
Yes, Kredi is a product of Kredimoney Microfinance Bank (MFB), licensed by the Central Bank of Nigeria, with registration number RC 878594. All deposits are insured by the NDIC.
How Do I Get Started?
Getting started is easy! Download the Kredi app from the Google Play Store (for Android) or the App Store (for iPhone), sign up, and begin banking for free.
Everyday, we make sure you enjoy easy access to dependable banking services on your mobile phone or device.
Can I Change My Personal Details On The Kredi App?
Certain personal details such as your name, phone number, BVN, and date of birth cannot be edited directly through the Kredi app.
Does Kredi Give Me An Account Number?
Yes! Once you sign up on the app, you will receive your account number instantly—no delays!
To receive your Kredi statement of account, simply send an email to info@thekredibank.com. Specify the timeframe you would like covered (e.g., March-April 2024). Your statement will be sent to your email within a few business days.
What Is Kredi Vault?

Kredi Vault is a fixed savings plan offering up to 26% interest per annum. You can transfer funds from your Kredi wallet or any traditional bank account into your Vault and save for a minimum of 3 months without access to the funds until maturity. The minimum deposit for the Kredi Vault plan is N5,000.

  1. Log into the Kredi app.
  2. Click on “Savings” and select “Any Preferred Savings.
  3. Input a name for your plan.
  4. Enter the amount you want to save.
  5. Choose your funding method—either “Automated” or “Manual.”
  6. Enter your desired savings duration.
  7. Select a funding method and click on “Create Plan!”
No worries! There are no penalties for missed contributions with Kredi Pot. We won’t automatically debit your account if you skip a day, week, or even a month. You can always make manual payments later to catch up at your convenience.

You can create as many plans as you’d like!

Do I Earn Interest When I Save With Kredi?

Yes! Kredi Offers The Following Interest Rates:

  • 13% Per Annum On Kredi Pot
  • 15% Per Annum On Kredi Safelock
  • 18% Per Annum On Kiddyvest
  • 26% Per Annum On Kredi Vault
You can create as many Vault plans as you’d like!
Kredi Safelock is a fixed savings plan that allows you to earn up to 15% interest per annum. You can transfer funds from your Kredi wallet or traditional bank account and lock them for a minimum of 60 days, with no access to the funds until maturity. The minimum deposit for Kredi Safelock is N1,000.
Kredi Pot helps you build financial discipline by allowing you to save automatically on a daily, weekly, or monthly basis. You can also choose to save manually if you prefer.

Kredi’s Kiddyvest plan is designed to help you save for your children’s future—whether it’s for holidays, school fees, or other major expenses

Does Kredi Offer Loans?
Yes, Kredi provides loans through the app! As a working professional, you can apply for a loan of up to N50,000. You will need a valid work email to complete the loan application process.

Your loan request may have been rejected for the following reasons:

  • You did not meet the required credit score.
  • We could not validate your work email.
  • You uploaded incorrect documents.

You have a poor credit history.

What Is The Repayment Period?

The repayment period for the Nano Loan is one month (30 days).

Applying for the Nano Loan is simple! Just follow these steps:

  1. Download the Kredi App.
  2. Create an account and log in.
  3. Click on the ‘LOANS’ icon.
  4. Select ‘+ New Loan.’
  5. Choose the ‘Nano Loans’ option.
  6. Upload the required documents for each section (Proof of Address, Proof of Identification, Proof of Employment, and National Identification Number (NIN)).
  7. Carefully fill in the necessary details using your official email address.

Once all documentation is validated, your loan will be reviewed and approved.

How Safe Is The Kredi App?
The Kredi App Prioritizes The Protection Of Your Personal Information. Biometric Authentication (Thumbprint Or Face Id) Is Required When Opening A Kredi Account For Added Security. Always Keep Your Login Credentials Confidential And Never Share Them With Anyone.
Why Do I Have To Use Bvn?
Your information is secure with us. We comply with regulatory requirements set by the Central Bank of Nigeria (CBN) for all our customers