Trusted at scaleThousands of Nigerians already grow their money with Halo
- 4,500+
- Active investors
- As of May 2026
- 200+
- Businesses served
- As of May 2026
- 12+
- Countries reached
- As of May 2026
- SEC-regulated investments
- CBN-licensed banking
- NDIC-insured deposits
- No. 1 equity fund, 2025
Grow with the Halo Equity Fund
Diversified, professionally managed exposure built for long-term compounding. Start from ₦10,000. Track it in real time, and withdraw on your terms.
- Fund manager
- SEC-licensed
- Custody
- Rand Merchant Bank Nigeria
- Trustee
- Greenwich Trustees Limited
- Performance
- Independently audited
- Professionally managed by an SEC-licensed investment team
- A disciplined, long-term strategy built for compounding
- Audited results and independent custody, not projections
Past performance is not a guarantee of future results. Investments are subject to market risk. The Halo Equity Fund is managed by Halo Nigeria Capital Management Ltd, licensed by the Securities and Exchange Commission (SEC), with assets held in segregated custody by Rand Merchant Bank Nigeria, trustee Greenwich Trustees Limited, and independently audited.
One connected platformOne account. Every way to grow.
Halo is not a single product. Each part works on its own, and together they compound, so your money keeps moving whether you are saving, investing, transacting, or building with your community.
Build wealth together
Two ways to grow with your people. Casual investment Clubs with friends, and full digital tools for registered Societies. They work differently on purpose.
Lagos Alumni Club
12 members
Leaderboard
This month
- 1Yetunde@yetunde94
- 2Chidi@chidi91
- 3You@you88
Contributions
8 of 12 members
Every member invests from their own account. Money is never pooled.
Illustrative · not a live account
Clubs
Invest with your circle
For friends, colleagues and alumni who want to invest together, socially, without anyone holding the money. One strategy, many individual accounts, one leaderboard.
- Invite friends, colleagues or alumni in minutes
- One shared strategy, funded from each member's own account
- Climb an engagement leaderboard, never ranked by naira
- No pooling and no treasurer, so there is nothing to guard
Societies
Run your cooperative properly
For registered cooperatives, associations and staff schemes that need contributions, loans, esusu and member records, all on regulated rails your members can trust.
- Automated contributions with reminders and full records
- Cooperative loans with guarantors and approval flows
- Digital esusu with clear, visible payout positions
- Runs on CBN-licensed, NDIC-insured banking rails
Unity Staff Cooperative
248 members
Contributions
231 of 248 paid
₦4.2M
Esusu · Round 4 of 12
Next payout: Mrs. Bello
Loan approved · ₦350,000
2 guarantors, disbursed
Banking by Halo Microfinance Bank Ltd. CBN-licensed, NDIC-insured.
Illustrative · not a live account
Savings goals
Rent for the year
₦816,000
of ₦1,200,000
Auto-save ₦100,000 / month
School fees
₦850,000
Emergency fund
₦500,000
Illustrative · not a live account
Savings & InvestmentsStructured savings plans and regulated investment products with published rates - all in one unified Halo account.
- Goal-based plans with flexible top-ups and withdrawals
- Units in the Halo Equity Fund, professionally managed for you
- Transparent rates, with all fees disclosed upfront
Send money
To
Aisha Bello
Bank account · ****1234
₦50,000
Instant · ₦0 feeChinedu O.
Savings account ····5210
Folake S.
Current account ····8834
Illustrative · not a live account
TransfersSend and receive money, instantly and securely
Move funds between banks, cards, and digital wallets in seconds - locally and internationally - with bank-grade security.
- Instant local transfers across Nigerian banks
- Instant Naira transfers across Nigerian banks
- Batch payments and beneficiary management for repeat sends
Lagos Alumni Club
12 members
Leaderboard
This month
- 1Yetunde@yetunde94
- 2Chidi@chidi91
- 3You@you88
Contributions
8 of 12 members
Every member invests from their own account. Money is never pooled.
Illustrative · not a live account
Clubs & SocietiesBuild wealth together with Halo Clubs
Turn your circle into an investment club: one shared strategy, where every member invests from their own account. No pooling, no treasurer, nothing to trust anyone with.
- Run cooperatives, esusu, and investment clubs on one platform
- Your money stays in your own account, never pooled with other members
- Compete on a leaderboard ranked by engagement, never by naira
Treasury
Cleared today
₦240,500,000
327 transactions · 0 failures
Naira wallet
₦180.2M
Placements
₦45.0M
Maker-checker controls on every transfer.
Illustrative · not a live account
Built For BusinessesAccelerate your Business Growth with Halo's Tailored Banking Infrastructure
Halo provides regulated digital banking infrastructure designed to help businesses manage funds, optimize treasury operations, and scale with confidence. From payments and placements to reporting and governance, we deliver the tools modern organizations need to grow efficiently.
Transfers
Secure local and batch fund movements.
Placements
Put idle funds to work through regulated placements.
Beneficiary Management
Organize and authorize payees with ease.
Reports and Insights
Real-time visibility and financial tracking.
Banking-as-a-ServiceStart leveraging our Banking-as-a-Service Solution to Grow Your Business
From wallet issuance to treasury optimization and investment integration, Halo's Banking-as-a-Service infrastructure provides the secure, scalable foundation you need to expand services, deepen customer engagement, and accelerate growth.
Company Wallet
Centralized digital wallets for real-time fund control and visibility.
Account Management
Structured account issuance with secure oversight and compliance.
Embedded Savings and Investment
Integrated savings and investment tools to grow user balances.
Product experienceYour whole financial life, in one app
Designed to feel effortless, whether you are saving for rent, investing in the fund, or moving money to family.
Good morning
Adaeze
Total balance
₦1,284,500
Updated today
Illustrative · not a live account
Bank with ease
Balances, transfers, and bills in one clean dashboard.
Portfolio
GrowingTotal invested value
₦606,200
+₦188,400 all time
Halo Equity Fund
1,240.5 units
₦486,200
Flexi savings
Goal plan
₦120,000
Illustrative · not a live account
Watch it grow
Track your Halo Equity Fund units and portfolio in real time.
Savings goals
Rent for the year
₦816,000
of ₦1,200,000
Auto-save ₦100,000 / month
School fees
₦850,000
Emergency fund
₦500,000
Illustrative · not a live account
Reach your goals
Set real targets and dates, and automate every contribution.
Security & ComplianceYour money is protected by independent oversight
Every layer of the structure answers to someone independent, and we invite you to check. Our licences are verifiable directly with the SEC and the CBN.
SEC-regulated investments
The Halo Equity Fund is managed by Halo Nigeria Capital Management Ltd, licensed and supervised by the Securities and Exchange Commission of Nigeria.
CBN-licensed, NDIC-insured banking
Deposits are held with Halo Microfinance Bank Ltd, licensed by the Central Bank of Nigeria, with deposits insured by the NDIC.
Independent custody
Fund assets are held in segregated custody by Rand Merchant Bank Nigeria, never by Halo itself.
Trustee and audited results
Greenwich Trustees Limited oversees the fund on behalf of investors, and performance is independently audited.
FAQQuestions, answered
What is the Halo Equity Fund?
It is an SEC-regulated equity mutual fund managed by Halo Nigeria Capital Management Ltd, and Nigeria's No. 1 performing equity mutual fund of 2025, independently audited. Fund assets are held in segregated custody by Rand Merchant Bank Nigeria. Past performance is not a guarantee of future returns.
How do I start investing?
Download the Halo app on iOS or Android, verify your identity in minutes with your BVN or NIN, fund your account, and invest - starting from ₦10,000. No branch visit required.
Can I withdraw my money?
Yes. Savings plans are flexible, and the Halo Equity Fund is open-ended, so you can redeem your units subject to the notice periods set out in the fund's Trust Deed.
What returns can I expect?
Returns vary with the market and are never guaranteed. The fund's past performance is published in our audited fact sheet, available in the app. Past performance is not a guarantee of future returns, and investments are subject to market risk including possible loss of principal.
What does it cost?
The Halo Equity Fund carries a 2% annual management fee, charged as a flat rate on your holding. There are no entry or exit charges. All fees are disclosed before you invest.
How do Societies & Clubs work?
You and your group invest around one shared strategy while every member keeps and funds their own account. Money is never pooled, and members are ranked on a leaderboard by engagement, never by naira amounts.
Is Halo licensed and regulated?
Yes. Investments are managed by Halo Nigeria Capital Management Ltd (SEC-licensed), and banking is provided by Halo Microfinance Bank Ltd (CBN-licensed, with NDIC-insured deposits). Both are verifiable directly with the regulators.
How is my money and data protected?
Every account is protected with bank-grade encryption, continuous monitoring, and strict access controls, backed by independent compliance reviews. Fund assets sit with an independent custodian, not with Halo.
Open your Halo account in under five minutes
Download the app, verify with your BVN or NIN, and put your money to work today, saving, banking, and investing in one place.
Download the Halo app on iOS or Android - get started in minutes.