Earn up to 19.2%
on your naira.
A wallet, a daily-interest Call Account and fixed plans up to 19.2% p.a. — all in one account. Start with ₦1,000.
Loved by 38,000+ savers
Good morning, Adaeze
₦1,850,000
Wallet + all active plans
+₦12,480 interest this week
Next maturity
Kipit Fixed Income
90 days · 19.2% p.a. · matures 24 Sep 2026
22
days
Your plans
All plansKipit Fixed Income
19.2% p.a. · 22 days left · 24 Sep 2026
₦750,000
Kipit Target Savings
16.0% p.a. · 101 days left · 12 Dec 2026
₦900,000
Earned this week
+₦12,480
Fixed plan matured
₦785,500
Settled to wallet · today
₦0bn+
Funds under management
0k+
Savers & investors
0%
Top fixed rate p.a.
T+0
Wallet settlement
Pick how long you want to save.
Fixed Plans · up to
19.2% p.a.
Lock 30 to 365 days and get a fixed payout date — principal plus interest, settled straight to your wallet.
Call Account
14.5%
Daily interest on everyday money. Move to your wallet any time.
Explore
Curated
T-bills, bonds and partner funds, vetted and explained.
Maturity countdowns
Always know when your next payout lands.
Smart nudges
Salary-day reminders and rollover offers.
Gift an investment
Send a plan to someone you love.
Ask AI
Instant answers about balances and plans.
Open an account in about 5 minutes.
You need your BVN, a selfie and a debit card. No branch visit.
01Create your account
Sign up with your email in under two minutes and verify with BVN or NIN.
02Fund your wallet
Bank transfer or card. Your wallet is the home base for every plan.
03Choose how to grow
Earn daily in the Call Account or lock a fixed plan for a higher rate.
Work out what you’d earn.
See how an amount, a rate and a little time work together — then choose a plan on your terms.
Illustrative total at maturity
₦538,219
Includes ₦38,219 estimated interest
Simple-interest illustration. Not a live offer; excludes tax and fees. Actual rates are confirmed when you subscribe.
Work out what you’d earn.
Illustrative figures based on current fixed-plan rates. Actual rates are confirmed when you subscribe.
- No hidden fees
- Rate locked at subscription
- Payout settles to your wallet
Amount
₦500,000
Tenor
Interest earned
+₦20,959
Total payout
₦520,959
at 17% p.a. over 90 days
What people save for.
Rent next year, a wedding in December, school fees in September, or simply peace of mind — set a goal, pick a tenor, and let Kipit keep time.
₦2.4m
Rent goal
₦850k
School fees
₦1.2m
Wedding
₦600k
December trip
What customers say.
"I finally see all my money in one place. The maturity countdown is oddly satisfying."
Adaeze O.
Product designer, Lagos
"Moved my emergency fund to the Call Account. It earns daily and I can still reach it."
Tunde B.
Engineer, Abuja
"Clean, calm and clear. It feels like a private bank in my pocket."
Halima S.
Founder, Kano
How we keep
your money safe.
Your investments are held by Kipit Investment Ltd, an SEC-licensed asset manager. Your account is protected by PIN and verified ID.
Bank-grade encryption
Data encrypted in transit and at rest, with PIN and biometric sign-in.
SEC-licensed asset manager
Your investments are held by Kipit Investment Ltd, licensed by the SEC as an asset manager, with funds kept in segregated custody.
How your money is kept safe.
Your investments are held by Kipit Investment Ltd, an SEC-licensed asset manager. Your account is protected by PIN and verified ID.
Bank-grade encryption
Data encrypted in transit and at rest, with PIN and biometric sign-in.
SEC-licensed asset manager
Your investments are held by Kipit Investment Ltd, licensed by the SEC as an asset manager, with funds in segregated custody.
Guides to saving and investing
EducationHow the Call Account pays you daily
Daily interest, explained with real numbers — how your balance earns while you sleep.
4 min read
EducationUnderstanding tenor and effective yield
Why a 90-day plan can out-earn a year of saving — the maths behind tenor.
5 min read
EducationBuilding a maturity ladder
Stagger your plans so money matures every month, not once a year.
6 min readCommon questions
Everything you need to know before you start.
Still curious?Chat with us on WhatsApp any timeYour investments are held by Kipit Investment Ltd, an asset manager licensed by the SEC, and your account is protected with encryption, PIN and verified identity.
Why we started Kipit.
Most savings accounts in Nigeria pay less than inflation. We wanted rates that are clear upfront, plans you can start with ₦1,000, and interest you can check every day.
- 01
Day one
Interest starts the moment you invest
- 02
Same day
Matured plans land in your wallet
- 03
₦1,000
All it takes to get started
Every plan is in naira, with rates shown before you pay.
Open your Kipit account.
Download the app or open the web app. Start with as little as ₦1,000.