Money and More.
Save, spend, send, and grow in one app built for your needs.
No paperwork. No excuses.
- NDIC
- Insured deposits
- 24/7
- Always on
- 3 mins
- To open an account
Transfer settled
₦ 150,000 · 1.8s
One app · Four pillars
Everything you need to take real control of your money.
We handle the complexity while your money does the rest.
Simple. Fast. Secure.
Daily banking that organises itself.
Split your salary the moment it lands. Save automatically into named Pockets. Pay any bill, send to any bank, settled in seconds.
- Salary Sorter
- Auto-save Pockets
- 15–18% interest
- Bill payments
Pockets
Auto-save · 15%Run the whole company from one account.
Issue controlled expense cards to staff. Capture receipts automatically. Pay your entire team in a single click, no spreadsheets, no queues.
- Team expense cards
- 1-click payroll
- Receipt capture
- Spend dashboard
Payroll
12 staffTotal run · pays in under 5 min
Credit decided in under a minute.
Our credit model reads your real cash flow, not paperwork. Get up to ₦1M with the rate shown upfront, and the funds in under five minutes.
- 60-second decisions
- No collateral
- Salary advance
- Rate shown upfront
Instant loan
Grow your wealth from the same app.
Put idle money to work in Federal T-Bills, fixed deposits at 18–22%, fractional NGX stocks and US ETFs. One portfolio, one clear view.
- FGN T-Bills
- Fixed deposits
- NGX stocks
- US ETFs
Portfolio
+12.4%Multi-Currency
Hold four currencies. Spend in 150+ countries.
Other platforms charge 5–8% on foreign transactions. Giro24 converts at interbank rates with a single, transparent, lower fee, shown before you confirm. Your virtual USD card works globally.
1 USD = ₦1,583.40
Live interbank rate · a lower fee than the banks · shown before you confirm
FX Wallets
My Pockets
Smart Pockets
Your salary, sorted the moment it lands.
Set it once. On payday, Giro24 automatically splits your salary into Pockets you define: Rent, Savings, Emergency, Fun. Every naira exactly where it needs to be. No willpower required.
- Earn up to 18% p.a. on Pocket balances
- Up to 10 named Pockets, each with its own account number
- Set savings goals with a target amount and deadline
Giro24 Cards
One card for here.
One for everywhere.
Virtual and physical Mastercards that move at the speed you do, built for home and abroad with multiple currencies.
Virtual in seconds
Spin up an NGN or USD card instantly for online payments.
Works worldwide
Pay Netflix, AWS, Spotify and Amazon. FX at 0.5% above interbank.
Freeze in one tap
Lock and unlock any card from the app in under two seconds.
Spending controls
Set per-card ATM, POS and online limits that apply immediately.
Four ways to keep money moving
One app for your entire financial life.
Save
Auto-split every inflow into smart Pockets earning up to 18%.
Send
Transfer to any bank, settled in under five seconds.
Earn
Lock funds in fixed deposits returning 18–22% per annum.
Invest
Grow your wealth in T-Bills, NGX stocks and US ETFs.
Under the hood
Precision built into every transaction.
Intelligence by default
Every transaction is auto-categorised. Giro24 spots anomalies, predicts shortfalls, and warns you before a Pocket runs dry.
Multi-currency
Hold NGN, USD, EUR and GBP. Convert at live interbank rates.
Instant transfers
Any bank, settled in under five seconds.
Bank-grade security
PCI-DSS Level 1. NDPR compliant. End-to-end encryption with biometric login.
Split bills
Request from friends over SMS or WhatsApp. Track who has paid.
Group savings
Run digital Esusu, contributions auto-debit on the due date.
Be first to move.
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