Carbon: Mobile Banking & Loans 4+

Save Money|Transfers| Loans

Carbon Finance and Investments Limited

    • Free

iPhone Screenshots


Total control of your finances is possible! Meet Carbon, a credit-led pan-African digital bank, 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.

Change the way you Earn with Carbon
With Carbon, your money is always working for you. Save smart and earn more with up to 15.5% interest per annum on your savings.

Change the way you achieve your goals
We’ve made loans easily accessible to you to help you reach your goals and stay in control.
*What you need to know about our loans;
•Loan amounts range between ₦2,500 to ₦1,000,000 with repayment periods from 61 days to 12 months at monthly interest rates that range from 4.5% to 30%
•Repayment periods range from 61 days to 365 days with Annual Percentage Rates (APRs) from 5% - 36%. No processing costs. Late repayment fees apply.
•No collateral or guarantor necessary
•No hidden fees
•You unlock higher loan amounts by repaying early and carrying out other transactions on the app.
•Representative example: Loan amount of ₦1,000,000 borrowed for 12 months. Monthly Interest Rate: 4.5%. Total amount payable: ₦1,540,000.
•0.03333% per day late fee

Change the way you Pay with Carbon
Say hello to Carbon Zero, our Buy Now Pay Later product. Spread payments for any purchase with your Carbon debit card into four installments for anything you love and pay over four interest-free installments.

You’re always in control
The Carbon debit card is your passport to financial freedom and security. Freeze your card temporarily or permanently, cancel or deactivate your card, reset your card pin, set recurring transactions, and customize the names of your saved beneficiaries, all in your Carbon app.

Safe and secure banking
Deposits are NDIC insured. Carbon Microfinance Bank is licensed and regulated by the Central Bank of Nigeria with the RC number: 1642222.

Carbon products include:
Carbon savings
Carbon loans
Carbon Zero
Carbon debit cards
Carbon SME loans

Join over 3 million customers who trust Carbon to save, spend, and manage their finances on the go. Start banking with Carbon today.

Instant loans whenever you need them.
We’ve made loans easily accessible to you to help you reach your goals and stay in control. Unlock higher loan amounts by repaying early and carrying out other transactions on the app. Who needs cash when you’ve got a Carbon debit card #PinkPassport. Spend and earn in one place with Carbon. Enjoy 1% cashback monthly on every card (POS) transaction. Terms and conditions apply.

Here’s why you’ll love Carbon:
Your Carbon bank account allows you to do more than store money. Instead of fees, we give you 1% of your account balance every month. Enjoy free transfers, zero maintenance fees, and instant loans of up to 1 million.

Instant Loans are available 24/7
We’ve made access to credit easy and simple. Get the best loans in Nigeria with our secure bank loans. Available 24/7, no collateral or guarantor necessary.

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. Receive instant notifications for every incoming and outgoing transaction.

Fast, simple, and secure payments
Transact in seconds, send and receive instant bank transfers, and enjoy instant reversals on failed transactions.

Reliable customer support
Focus on having fun. We’ve got an amazing team of customer service for urgent queries, so we’re always here. You can always reach us to raise queries or learn more about our services via our different support channels. We’d love to hear from you!
Change the way you Spend with Carbon

What’s New

Version 3.7.3

What’s New:

Business Loans: Users requesting loans over 1M are now redirected to our SME platform for tailored support.

Bug Fixes: Harmonized App Store and app versions, fixed issues with date entry in card settings, resumed paused savings functionality, and ensured persistent filtering in transaction history.

We're always improving to make Carbon work better for you. Enjoy our latest update and thank you for choosing Carbon!

Ratings and Reviews

4.5 out of 5
19.5K Ratings

19.5K Ratings

Antennalaudz ,


Carbon is about the best loan app out there, I’ve been using this app since 2020 and I say their services is the best you can get from a loan app, I’m really glad I’m doing business with them, the reason why I would not give them the complete 5stars is because sometimes there’s delay in sending money, when you transfer the money it just delays to arrive your your bank account or the account of the person you’re sending the money to and thereby causing wait if was at the market place or you really needed the money instantly but it seems this has been fixed cause I just used the app this morning and the money came in immediately so Carbon is the go-app for your quick loan needs.

kasurgi ,

I’m so disappointed in carbon today

This app is best app ever, in loans, fastest payment in bills and transactions but I still don’t understand carbon because last week Tuesday I repay my loan of 28,525 when I borrowed 22,500 to pay in three months but I payed in 4 days and I wanted to borrow money they told me to wait after 1 weeks and some days which ended today. And still yet i always use this app more than my major banks because I trust it. But I want to borrow loan now this morning to pay for my school fees because today is final day to pay for school fees failing can lead to late registration, but they are given me 9,500 to pay back in three months, which they have borrowed me 22,500 before and now I’m expecting higher rate than that because have already left all my banks alone to base on carbon but still yet I messaged them now on via email but they did nothing about that. Even i tried to upgrade my account to level 3 but I face id and even drop my voters card for upgrading to level 3, with all my trials they don’t even upgrade my account saying errors always and it’s unfair.
But if you can do anything to offer me higher loan amount today because I want to pay for my school fees i wil be very glad

bratmod ,

I’m disappointed today

Hi , carbon has been one of the app I have loved so much but today I’m disappointed because of the msg I received from you guys today. I’m suppose to pay a loan on 2 oct 2023 but I have 500+ on my Acct as at 1 oct 2023 in the midnight the 500 was taking out of my Acct for the loan I’m suppose to pay in the morning when I saw the debit alert I was like what is wrong with this people do they think I won’t pay my loan as at when due and when I woke up i made a transfer of 7000 into my Acct and I paid for the remaining balance. Ever since Then I have been receiving a lot of msg that my loan is over due that I should pay and I’ve seen people complaining about this thing please check your account and stop sending me msg that I should pay for what I have already paid for my next payment now is November 1 stop sending me msg I repeat I have a very good credit record thks.

App Privacy

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 based on, for example, the features you use or your age. Learn More

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