Neobanks
Nigeria — Neobanks
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These 15 are headquartered in Nigeria — parsed from the registered base of each company, so the count is complete. Availability is a different and much harder question: it is verified for 15 products in Nigeria so far, out of 381 tracked, so a neobank missing from the second table below has not been ruled out — it has not been checked. Corrections are welcome on GitHub.
Nigeria
| Neobanks | Kategorie | Hauptsitz | Verwahrung | Regulierungstyp | Gemeldete Nutzer |
|---|---|---|---|---|---|
| OPay | traditionell | Lagos, NG | Verwahrt | Payment licenses (NG) | 60M users (2024) |
| PalmPay | traditionell | Lagos, NG | Verwahrt | Mobile money license (NG) | 35M users (2025) |
| ALAT by Wema | traditionell | Lagos, NG | Verwahrt | Bank (Wema Bank) | — |
| Bitnob | hybrid | Lagos, NG | Verwahrt | VASP applicant under Nigeria SEC's ARIP (approval-in-principle track); licensed partners for rails | — |
| Carbon | traditionell | Lagos, NG | Verwahrt | Microfinance bank (NG) | — |
| Cleva | traditionell | Lagos, NG | Verwahrt | MSB registration (FinCEN); USD accounts via licensed FDIC-insured US partner banks | — |
| FairMoney | traditionell | Lagos, NG | Verwahrt | Microfinance bank (NG) | — |
| Grey | traditionell | Lagos, NG | Verwahrt | MSB registrations (FinCEN US, FINTRAC Canada); accounts via licensed banking partners | — |
| Kuda | traditionell | Lagos, NG | Verwahrt | Microfinance bank (NG) | — |
| Moniepoint | traditionell | Lagos, NG | Verwahrt | MFB + switching licenses (NG) | — |
| Nyla | traditionell | Lagos, NG | Verwahrt | Partner banks — tech company, not a bank; launching in Ghana via a licensed commercial bank (Islamic window) | — |
| Onboard | web3-nativ | Lagos, NG | Selbstverwahrt | Selbstverwahrende Software | — |
| Sparkle | traditionell | Lagos, NG | Verwahrt | Microfinance bank (NG) | — |
| Yellow Card | hybrid | Lagos, NG | Verwahrt | Licensed/registered in 20+ African markets | — |
| Yolat | traditionell | Lagos, NG | Verwahrt | FINTRAC MSB + Bank of Canada RPAA PSP (CA); IMTO (CBN, NG) | — |
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.