Carbon: Mobile Banking & Loans
Save Money|Transfers| Loans
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Description

Total control of your finances is possible! Meet Carbon, a credit-led pan-African digital bank, your all-in-one app for easy money management.
Track and simplify your personal finances with our easy spending and payment options.
Say goodbye to hidden bank charges, long queues, and endless paperwork.

Carbon’s digital banking services are designed to change the way you bank, pay, spend, and earn.

Change the way you Earn with Carbon
With Carbon, your money is always working for you. Save smart and earn more with up to 15.5% interest per annum on your savings.

Change the way you achieve your goals
We’ve made loans easily accessible to you to help you reach your goals and stay in control.
*What you need to know about our loans;
•Loan amounts range between ₦2,500 to ₦1,000,000 with repayment periods from 61 days to 12 months at monthly interest rates that range from 4.5% to 30%
•Repayment periods range from 61 days to 365 days with Annual Percentage Rates (APRs) from 5% - 36%. No processing costs. Late repayment fees apply.
•No collateral or guarantor necessary
•No hidden fees
•You unlock higher loan amounts by repaying early and carrying out other transactions on the app.
•Representative example: Loan amount of ₦1,000,000 borrowed for 12 months. Monthly Interest Rate: 4.5%. Total amount payable: ₦1,540,000.
•0.03333% per day late fee

Change the way you Pay with Carbon
Say hello to Carbon Zero, our Buy Now Pay Later product. Spread payments for any purchase with your Carbon debit card into four installments for anything you love and pay over four interest-free installments.

You’re always in control
The Carbon debit card is your passport to financial freedom and security. Freeze your card temporarily or permanently, cancel or deactivate your card, reset your card pin, set recurring transactions, and customize the names of your saved beneficiaries, all in your Carbon app.

Safe and secure banking
Deposits are NDIC insured. Carbon Microfinance Bank is licensed and regulated by the Central Bank of Nigeria with the RC number: 1642222.

Carbon products include:
Carbon savings
Carbon loans
Carbon Zero
Carbon debit cards
Carbon SME loans

Join over 3 million customers who trust Carbon to save, spend, and manage their finances on the go. Start banking with Carbon today.

Instant loans whenever you need them.
We’ve made loans easily accessible to you to help you reach your goals and stay in control. Unlock higher loan amounts by repaying early and carrying out other transactions on the app. Who needs cash when you’ve got a Carbon debit card #PinkPassport. Spend and earn in one place with Carbon. Enjoy 1% cashback monthly on every card (POS) transaction. Terms and conditions apply.

Here’s why you’ll love Carbon:
Your Carbon bank account allows you to do more than store money. Instead of fees, we give you 1% of your account balance every month. Enjoy free transfers, zero maintenance fees, and instant loans of up to 1 million.

Instant Loans are available 24/7
We’ve made access to credit easy and simple. Get the best loans in Nigeria with our secure bank loans. Available 24/7, no collateral or guarantor necessary.

No hidden fees ever
You can bank on our transparency. Carbon gives you a clear breakdown of your transactions.

Real-time alerts
Where your money goes doesn't have to be a mystery. Receive instant notifications for every incoming and outgoing transaction.

Fast, simple, and secure payments
Transact in seconds, send and receive instant bank transfers, and enjoy instant reversals on failed transactions.

Reliable customer support
Focus on having fun. We’ve got an amazing team of customer service for urgent queries, so we’re always here. You can always reach us to raise queries or learn more about our services via our different support channels. We’d love to hear from you!
Change the way you Spend with Carbon
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User Rating

4.52 out of 5

6,373 ratings in United States

5 star
5,132
4 star
414
3 star
238
2 star
158
1 star
431

Ratings History

Reviews

Nin and bvn linking error

Gbowooooooo on

Why is Nin and Bvn are difficult to link on your app.

Cs

Oooovoo on

Poor!!

Dark mode needed. Reiterating

Nedd Barracuda on

I said this before at 4 stars, now I’m doing 3. You responded and said I lower my brightness. It’s not about the brightness. Just do the dark mode thing. Una Dey forbid black color?

Unable to create account

Ibekie on

Why can’t user create account from Nigeria

Poorest Customer Service

Alexmashi on

I’m definitely reporting Carbon to cpd for hoarding my money under the guise of NIN restriction and for continuously ignoring all the support ticket I’ve submitted. I deposited 200k into my carbon account and immediately they reduced my account level to zero, which means I can’t make any payments on the account unless I update my account with my nin. I insert my verified nin into the given space and it immediately goes to an error page, I’ve been doing the same thing for almost two weeks now and no response has been received from the numerous support tickets I’ve sent. If you have any money in this app, you better pull it out as soon as you can, if you can. This isn’t a financial app. It’s beginning to look like a Ponzi scheme.

Make una fix my carbon account

odakwo on

My carbon was in level 2 before now you guys take me to level 1 which kind of nonsense is that and now I want to put my NIN back is telling me nonsense look you guys should better fix this nonsense carbon oooooo

UNABLE TO VERIFY MY NIN

Jaydboyh on

I’m updated the app n I’ve been unable to verify my nin, n yet I’ve being downgraded l. Kindly look into it

Declined of my loan

Novaonly on

Although disappointed by the decline of my loan request from Carbon, I appreciate their transparent and efficient process. While the outcome wasn't what I hoped for, their quick response and clear communication were commendable. I'll continue exploring other options while keeping Carbon in mind for future financial needs.

Sweet app so nice

mccallsmiths on

I love this app

I was enjoying carbon until

K619378 on

I was enjoying carbon untill dey restricted my account for no good reason , I can’t access my money and it was when I needed it the most My mum was in the hospital and carbon didn’t even care

Store Rankings

Ranking History

Category Rankings

Chart
Category
Rank
Top Free
32
Top Free
139
Top Free
480

Keywords

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Revenue and Downloads

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App Info

Category
Finance
Publisher
Carbon Finance and Investments Limited
Languages
English
Recent version
3.7.6 (2 weeks ago )
Released on
Feb 2, 2020 (4 years ago )
Last updated
1 month ago