Total control of your finances is possible! Meet Carbon, a credit-led pan African digital bank that makes banking make sense, and your all-in-one app for easy money management.
Track and simplify your personal finances with our easy spending and payment options.
Say goodbye to hidden bank charges, long queues and endless paperwork.
Carbon's digital banking services are designed to change the way you bank, pay, spend and earn.
Earn more when you save
With Carbon, your money is always working for you. Save smart and earn more with up to 20% interest per annum on your savings.
Get loans that make sense
We've made loans easily accessible to help you reach your goals and stay in control.
What you need to know about our loans:
• Loan amounts range from ₦10,000 to ₦1,000,000 with repayment periods from 61 days to 12 months at monthly interest rates that range from 4.5% to 30%
• Max APR: 195% per annum
• No collateral or guarantor necessary
• No hidden fees
• Unlock higher loan amounts by repaying early and transacting regularly.
Representative example: Loan of ₦1,000,000 borrowed for 12 months at 4.5% monthly interest. Total payable: ₦1,540,000. APR: 54%.
Late fee: 0.03333% per day.
A smarter way to buy now, pay later
A smarter way to buy now, pay later at 0% monthly interest with Carbon Zero. Spread payments over 6 weeks or 4 monthly instalments for the things you love.
Who needs cash when you've got the Carbon debit card #PinkPassport—your powerful, bold way to pay in Naira, anywhere.
Control how your card works: set spend limits, block merchants, toggle ATM, POS, or online use—right from your dashboard.
Here's why you'll love Carbon:
Your Carbon account lets you do more than store money. Instead of fees, you earn 4% interest p/a on your average monthly deposits. Get instant loans of up to ₦1 million and smart saving options with returns up to 20% per annum.
Instant loans whenever you need them
We've made access to credit easy and simple. Available 24/7, no collateral or guarantor needed.
No hidden fees ever
You can bank on our transparency. Carbon gives you a clear breakdown of your transactions.
Real-time alerts
Where your money goes doesn't have to be a mystery. Get instant notifications for every transaction.
Fast, simple and secure payments
Send and receive money instantly and enjoy automatic reversals on failed transactions.
Reliable customer support
Focus on what matters—we're here for urgent queries. Reach us anytime through our support channels.
You're always in control
Freeze your card, cancel it, reset your PIN, set recurring payments, and rename saved beneficiaries, all from your Carbon app.
Safe and secure banking
Deposits are NDIC-insured. Carbon Microfinance Bank is licensed and regulated by the Central Bank of Nigeria (RC: 1642222).
Carbon products include:
• Carbon savings
• Carbon loans
• Carbon Zero
• Carbon debit cards (#PinkPassport)
Join over 5 million customers who trust Carbon to save, spend and manage their money on the go. Start banking with Carbon today.
Getting a loan isn’t a problem with carbon, repaying will take life out of you. One does not have to wait for due date to start paying off loan, but with response like “ amount is not within range” means you have to pay a certain amount or save it there and wait for them to feel like collecting it… the most disgusting part about it is the numerous emails and calls I had to put through to seek for help with the problem, urging them to allow me start paying as soon as I took like the previous… so self centered they don’t care how demanding paying back gets, all you know is call and ask for payment, never listening, 8 emails no response, why leave a contact email you don’t respond to ? Or complaint as vital as not being able to pay back loan unanswered ?? Customer care service with carbon 😡😡.. they are all BoT’s. Robots 🤖.
No direct customer care
Dan_Kellz
Why is there no direct way to reach you guys in Nigeria? I checked your Ghana website, and I could see there's a customer care phone number. In Nigeria, only WhatsApp chat and in-app support - not even a direct email. This isn't nice. I currently have an issue after making a purchase with my carbon card. For almost a month now, I've been using WhatsApp and in-app support features, and all you keep saying is that I should provide a declined receipt when there was none for the transaction. I also used the card of a different bank at the time of that failed transaction, and they refunded my money a long time ago without asking for any declined receipt. For almost a month now, no solution - a ₦50,000 transaction. You guys need to invest in your customer care service in Nigeria. Not having any direct access to your customer care is terrible. At least I know I will never use your card for any transactions whatsoever with the treatment I've received so far. Fix up. Thanks.
Developer Response
Hi, we sincerely apologize for the experience. Kindly reach out to us via the support option on the app so that we can address your concern. However, if you have done this, do avail us the ticket ID generated for further assistance.
Loan Increments
Bobbybrown007
I should have given you a five star rating but I’m not satisfied with the way you reduce your loan amount every time I make a repayment.Your system is supposed to be designed to increase the loan limit if repayment is made and if a customer is never late on payment, but instead it’s keeps reducing.I have been on this app since Feb 2020 at a point my limit got to 50k but after that reduced to 30k and it kept on reducing without any issues on my account. Have never been late on a payment.I recently paid back in full my payment which was supposed to be due next year February hoping to get a higher loan only to be awarded with 4K It’s not speaking well of your app.I use other app and I know how the limit works and keeps growing with each repayment made. The issue is if you don’t apply for that 4K a new loan won’t be available it’s not ok I applied for loan to get a good amount not 4K or 10k like you approve.Have written to your customer service but nothing has been done on it and I’m also sure some of your customers are not happy with that as well Please work on it to have better customer service and clients too.
Developer Response
We are really sorry to hear this. Please send a mail to customer@getcarbon.co to enable us look into the issue in order to assist you.
Frequent issue unattended to.
therealmomis
I’ve been enjoying carbon, not until I find it difficult to log into my account. Actually I Mistakenly pressed on forget pin while trying to use Face ID . I was told to enter my phone number and pin which I did . I expected the OTP to pop in my inbox . After several attempts over 24 hours I did not get any OTP. I sent a mail concerning that, yet still same result . I was told to check my line maybe it’s on DND which might be be cause of me not getting the OTP . But yet it’s the same thing . Till now I couldn’t log in to the app. And I’ve been stranded for days . Because I did not have access to my account to make any transaction.
Developer Response
Hi! We sincerely apologise for the unpleasant experience. Kindly contact us by raising a support ticket from the app by clicking the '?' icon on the landing page. You can also send a message to us via this link: https://ng.getcarbon.co/contact-form.html to enable us to assist in rectifying the issue.
Get: Stronger account security, smarter PIN management, and a smoother app experience.
NEW: Separate Login & Transaction PINs! Your account now has two dedicated PINs — one to access the app, one to authorise payments. Safer, clearer, and more in your control than ever.
Improvements: Security & Stability Enhancements (Smoother device verification, updated account limits view, clearer login error messages, and general bug fixes).
Ready to bank safer? Update now for a more secure and seamless experience! Thanks for choosing Carbon MFB!
Version 5.0.0
The developer, Carbon Finance and Investments Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Other Data
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
Other Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
