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.
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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 1.5.1

Faster Onboarding onto the sparkle platform.
Some fixes under the hood so your emails deliver quicker.
Now you can access help contacts within the app and read help articles.
General bug fixes and improvements.

Ratings and Reviews

4.5 out of 5
68 Ratings

68 Ratings

Uzoma Dozie ,

Simple Sparkling Experience

I real love the simplicity of the workflow screens and language. Payment and Savings options are favorite functionality has to be Sparklepay.....for today. More functionality coming up.

I know because we are still building with the help of the growing Sparkle tribe

Blackarab06 ,


If possible I will not have rate this app any star because it absolutely does not worth it at all...
Imagine I transfer 40,540 naira to other banks and the funds have been deducted from my available balance and they’re not showing on my activities and my statement of account is claiming I have #40,540 as my available balance while my available balance it the app is showing me #490
I’ve sent mail to there support mail times without number I’m not getting any response since
I’ve been stuck this without getting any response from the app even there Indy chat is responding out of what I’m saying entirely

DonisB ,


Well I’m so in love with this bank and I can say it’s really better and easy to use ..problem free can send and receive money in secs ...I love it a lot and would like y’all to download and start sparkling

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

  • Siri

    Get things done within this app using just your voice.

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