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 or NIN, 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 goals
Rent for the year
₦816,000
of ₦1,200,000
Auto-save ₦100,000 / month
School fees
₦850,000
Emergency fund
₦500,000
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
Send money
To
Aisha Bello
GTBank · ****1234
₦50,000
Instant · ₦0 feeChinedu O.
Access
Zainab A.
GTBank
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
Your loan
Approved
₦350,000
Decision in 2 minutes
Next repayment
₦31,200
Due Aug 5 · 3 of 12 paid
Clear terms and schedule. No surprises.
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
Lagos Alumni Club
12 members
Leaderboard
This month
- 1Chidi@chidi94
- 2Amaka@amaka91
- 3You@you88
Contributions
8 of 12 members
Every member invests from their own account. Money is never pooled.
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
Goal PlansPut a real number and a real date on every goal
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 give every goal flexible top-ups, transparent rates, and compounding you can watch.
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 pairs SEC-regulated investment management with CBN-licensed, NDIC-insured banking in a single app, a combination almost nobody else offers. 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 Nigeria Capital Management Ltd (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.
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.