Sparkle - Lifestyle & Finance 4+

Sparkle Microfinance Bank

Designed for iPad

    • Free



Sparkle – It’s time to be free

Sparkle is a digital ecosystem providing financial, lifestyle and business support services to Nigerians around the world. Licensed by the Central Bank of Nigeria (CBN), Sparkle is what most people would refer to as a ‘digital bank’.

At Sparkle, we are all about helping you achieve what you want to do. Whether its entertainment, education, saving or investing for the future, we’ve got you covered.
Trust and transparency are some of our key values so with us, nothing is hidden. There are no hidden fees and everything we do is very clear and simple. Pretty neat, right? Hold on…there’s more!

Open an account in minutes from anywhere in the world
Open a full operational Nigerian bank account from your phone anywhere in the world with just your Bank Verification Number (BVN), email address and phone number.
Goodbye excess documentation....hello simplicity!

Keep your money safe and secure
Your money is safe with us as we have taken extra measures to ensure you’re covered against fraud and account takeovers.That’s not all. If you ever lose or misplace your card, you can freeze and unfreeze it in the Sparkle app.

You can also turn on and off features like contactless, e-commerce and swipe payments. Talk about security just how you want it! …And yes, just like every other bank in Nigeria, your money is protected by the Nigeria Deposit Insurance Corporation (NDIC)

Fund your account
You can add money to your Sparkle account via a debit card or by making an instant transfer from another bank to your Sparkle account. Easy peasy!

Send and receive money
Send and receive money to and from other sparkle account holders. You can also send and receive money instantly from and into your Sparkle account from other banks in Nigeria.

Manage your money
Get real-time instant notifications for your transactions and also view how much you spend daily, weekly and monthly through a simple display showing a breakdown of payments by category, such as transport, utilities and food, all within the app.

Save in a fun and creative way
Save for things that matter to you. Using Sparkle Stash, you can save for different goals at the same time. How cool is that? You can save for a targeted amount or keep your savings open.

You can also do percentage savings where you determine what percentage of your account balance will be going to your savings every day, week or month! You can also use your preferred images as part of your stash to stay focused on your goals.

Request Money
Ask friends and family for money at no cost by simply sending them a request for the amount you want.

Get on top of your bills
Pay your bills whenever you want, wherever you are. You can also split bills with friends, family or acquaintances and everything is settled within the app. Amazing? I know!

Go physical or virtual
Make secure and easy purchases online and in-person with Sparkle cards. Choose a physical card and it will be delivered right to you, anywhere in Nigeria. Not a fan of physical cards? We offer virtual cards too.

Talk to Indie
We know things get confusing sometimes and that you might need help. But don’t worry, Indie, your financial buddy is always there for you. The friendly chatbot offers 24/7 customer service and will help you sort out any issue.
Our customers help us make big decisions and we’d love you to join. But don’t just take our word for it. Download the Sparkle app today, join the future and benefit from the freedom, flexibility and transparency of Nigeria’s most innovative digital bank.
Experience what it’s like to be truly FREE!

What’s New

Version 1.7.0

Invoicing with links: You asked and we delivered! You can now create invoices and share with your customers via link if you prefer this above invoicing directly to emails. 
This means you can share invoice links directly from the Sparkle app to the different channels you engage with your customers now.

Ratings and Reviews

4.4 out of 5
525 Ratings

525 Ratings

Senior N ,

Would be 5 star if one can easily change their home address

The app is good. the card works really well. transfer charges is also okay. the main issue is you might not be able to change your home address in app, or even get that resolved as quickly as you want.

my account has remained on tier 2 since 2019 and they haven’t made efforts to find out why.

rubbieh ,

Email verification

Banking with sparkle has been seamless although I keep getting an email verification pop on the Home Screen of my app even though my email has been verified . Also I am unable to purchase data like I used to or pay for bills. Due to this I have to use other applications to do this and transfer money out.
Additionally it would be nice to have a customer care phone call line not just an email. Though the email is fast and it’s not every problem Indy cab solve . Incase of emergency situations.

Judexman ,


Please I mistakenly register my account with a wrong email that doesn’t exist and because of that I can’t properly verify my account ,,I can’t have a chat with the customer care I can’t receive code,,please how can I change my email address please assist me thanks

App Privacy

The developer, Sparkle Microfinance Bank, 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:

  • Location
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Location
  • Contact Info

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


  • Siri

    Get things done within this app using just your voice.

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