At the moment, AKU is only available to Nigerian customers. Stay tuned to our social media pages and e-mails for updates and announcements! 

Take advantage of Aku's extra layer of security to keep your account balance from prying eyes. 

Tap the eye icon above your available balance

You can access your monthly account statement from the day you open an Aku account up till the present date. We'll send it to the email address linked to your account.

You can request your monthly statements by following the steps below:

Pick a Start and End date and request statement. 

Your Aku account is a full-featured deposit account. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers.

An NDIC-insured deposit account that can be managed entirely from your smartphone

A Savings Account that helps you save money without thinking about it 

Aku accounts are insured up to the standard maximum deposit insurance amount of ₦200,000.

If you sign up with your name, phone number, and BVN (Bank Verification Number), you’ll get an account limited to a maximum balance of ₦200,000, a maximum deposit of ₦50,000 at a time, and a maximum transfer of ₦50,000 at a time.

If you add a government-issued ID (like your driver’s license, national ID card, or international passport) and proof of address to your Aku profile, we’ll remove those limits from your account.

Earn simply because you're an Aku customer.

In clear terms, Aku's Inflow Bonus program rewards you when you receive money with your AkuPay card.

On this page, we've tried to answer all your questions about earning cash rewards when you receive money with your AkuPay card.

Inflow Bonus are points you earn When you receive money from other Aku customers with your AkuPay card. Your earned points are then converted to cash rewards. 

How much do I earn per AkuPay card transaction?

You earn ₦5 every time you receive money into your Aku account through your AkuPay card from other Aku customers.

You are eligible to earn Inflow bonuses when you have upgraded to at least an Aku Prime account by adding your BVN and a valid ID card.

You're able to withdraw your Inflow Bonus when you've earned at least ₦50. Your Inflow Bonus's cash rewards get added to your account immediately after you redeem your points.

PS: Please write to us at support@aku.africa if you have any questions about our Inflow Bonus program. Another way to reach us is to tap More on the Aku app then tap Help & Support.

Unfortunately, you can only have one Aku account registered to your phone number.

Aku has no minimum balance, monthly fees, or overdraft fees. 

You would however be charged ₦15 for every transfer from your Aku account.

Getting an AkuPay card is free and this would be delivered to your doorstep without any charge.  

Yes, we are a Microfinance Bank licensed by the Central Bank of Nigeria. Our registration number is RC 1598889.

Aku is committed to ensuring the safety and security of your savings. Aku's Security Team uses a variety of high-level measures to protect your account, ensuring your experience with us is safe and secure. We are committed to protecting the personal data we collect and process.

Thank you for your interest in opening an Aku account.

It's very easy to open an Aku account. You can open an account in the app (on your smartphone) or on the web via Aku's website(aku.africa).

Own a government-issued ID card ( Voter's Card, National Identify Card, or International Passport)

This is how the account creation process works on Aku:

1. After confirming your phone number and adding your nickname, you're taken to your dashboard.

2. Before carrying out any transaction, the app prompts your to set up your transaction PIN.

3. If you didn't do it while signing up, you'll see a notification telling you to connect your other banks to Aku.

4. Lastly, upgrade your account to remove all transaction limits on your account by verifying your identity and adding your BNV.

If you'd like more information,  get in touch with us by sending an email to help@aku.africa 

If you use Aku, there are high possibilities your friends, family and colleagues might like and want to use our app too. Aku's referral program is designed to reward you when you tell your friends about us. 

On this page, we've tried to answer all your questions about referring people and getting paid.

You are eligible to refer and earn referral rewards when you have upgraded to at least an Aku Prime account by adding your BVN and a valid ID card.

What information do I need to provide when making a referral?

You simply have to log in to your Aku app >> Wealth >> Referral Rewards, copy your referral code and share with friends, family and fans across social media.

There're no limits. You can refer an unlimited number of people to sign up with your referral code.

Do people whom I referred have to upgrade their accounts?

Yes. When you refer someone, they have to upgrade to at least an Aku Prime account by adding their BVN and valid ID card before you earn your referral reward.

How much do I earn for referrals?
You earn ₦50 when your friends sign up with your referral code and upgrade to at least an Aku Prime account.

You earn a referral bonus when your friend creates an account on Aku with your referral code and upgrade to an Aku Prime account by adding their BVN and valid ID card. Your referral reward gets added to your account immediately.

Occasionally, we'll offer incentives to invite your friends to join Aku. We'll notify you through email or in the Aku mobile app when a referral offer is available.

PS: Please write to us at support@aku.africa if you have any questions about our referral program. Another way to reach us is to tap More on the Aku app then tap Help & Support.

We understand the importance of sharing an account with a spouse, child, or dependent. However, we do not currently offer joint accounts.

If this is a feature you really need, you can write to us support@aku.africa.

Our AkuPay cards are delivered to you directly in Nigeria regardless of where you are. Delivery is usually within two to three weeks or less depending on where you are.

There are three layers of security we use to protect your account:

Both your mobile and web app login details consist of a phone number and passcode, a fingerprint or face recognition (depending on your smartphone). Make sure you choose a secure password and never share your login details with anyone.

You will need this 4-digit PIN every time you want to make a payment (bill payment, transfer, or card payment). As soon as you create an account and log into the app on your smartphone, you can set your PIN. You can then change it in the app yourself after that.

A push message will be sent to your smartphone for every incoming and outgoing payment. Also, it protects you against online card fraud by serving as a two-step process for confirming and finalizing your transactions.

We'll always ask you some security questions every time you contact us to make sure it's really you. However, we will never ask for your debit card number, card verification value (CVV), password, or confirmation pin.

When you request for an AkuPay card, we'll deliver it at your doorstep wherever you are in Nigeria. Delivery is usually within two to three weeks or less depending on where you are.

You're able to link the following accounts below to your Aku account:

The balance on your statement might differ from the balance shown in your app. The statement balance only reflects completed transactions, while the app shows the balance available for use, which accounts for pending transactions.

We use your BVN to verify your identity. When you enter your BVN, the only data we are able to retrieve is your name, date of birth and the mobile phone number attached to your BVN. 

We do not have access to any of your bank accounts, transaction history or other sensitive financial data. 

How can we help?

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