Get StartedThree steps to a healthier financial life
No paperwork, no branch visits, no waiting. Open your Halo account, verify in minutes, and start putting your money to work today.
Download Halo
Get the Halo app on iOS or Android in under a minute, and tap “Open an account”.
Verify yourself
Snap a photo of your BVN/NIN card, take a quick selfie, and we'll do the rest in minutes — no branch visit required.
Start growing
Fund your account, set a goal, and start earning competitive returns the moment your first deposit clears.
Savings & InvestmentsSave and invest in one place, on your terms
Structured savings plans, curated investment opportunities, and competitive yields — all in one unified Halo account.
- Goal-based plans with flexible top-ups and withdrawals
- Curated USD and Naira investments, fully managed for you
- Compounding interest with transparent rates and no hidden fees
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
- Multi-currency wallets for Naira and USD
- Batch payments and beneficiary management for repeat sends
LendingFlexible credit, approved quickly
Access loan products tailored to your financial profile with transparent rates and quick approvals — no paperwork loops.
- Personalized credit limits based on your Halo activity
- Clear repayment schedules, no surprises
- Top-up and roll-over options for growing needs
Clubs & SocietiesBuild wealth together with Halo Clubs
Pool resources with your community, run structured group savings, and invest together — with full transparency for every member.
- Run cooperatives, esusu, and investment clubs on one platform
- Per-member visibility into contributions, balances, and payouts
- Built-in governance and approval flows for shared money
Goal PlansPlan for what actually matters to you
Whether it's the rent for next year, school fees for your kids, or the seed money for the business idea you've been sitting on — Halo Goal Plans help you put a real amount, a real date, and a real strategy behind every goal.
Rent for the year
Target ₦1,200,000
School fees
Target ₦850,000
Emergency fund
Target ₦500,000
Start a business
Target ₦2,500,000
Wedding
Target ₦4,000,000
Travel fund
Target ₦650,000
Why HaloRegulated, insured, and built for you
Halo is the only Nigerian digital bank that pairs SEC-regulated investment services with NDIC-insured deposits and a CBN microfinance banking licence. Your money is safer, and works harder, with us.
Regulated by CBN and SEC
Banking services are provided by Halo Microfinance Bank Ltd (CBN-licensed); asset and investment management by Halo Asset Capital Management Limited (SEC-licensed).
NDIC insured deposits
Your savings are protected by the Nigeria Deposit Insurance Corporation, so the money you keep with Halo is covered.
Bank-grade security
Biometric login, end-to-end encryption, and 24/7 transaction monitoring keep your account and your data secure.
Built for speed
Open an account in minutes, move money in seconds, and access investments and credit without paperwork loops.
Halo vs. Traditional BankBuilt for the way Nigerians actually bank today
No more queues, no more paperwork, and no more wondering where your money goes. Compare what you get with Halo against your traditional bank.
Our TestimonialsWhat Our Customers Say
Real-time tracking and clear reporting tools. Real-time tracking and clear reporting tools.
Real-time tracking and clear reporting tools. Real-time tracking and clear reporting tools.
Real-time tracking and clear reporting tools. Real-time tracking and clear reporting tools.
Real-time tracking and clear reporting tools. Real-time tracking and clear reporting tools.
Real-time tracking and clear reporting tools. Real-time tracking and clear reporting tools.
Join Halo and experience seamless financial solutions for you
Halo is a digital financial services platform providing Investing, Savings and Banking services.
Download the Halo app on iOS or Android — get started in minutes.