Credit led
business bank,
Built for enterprising Nigerians

Credit led business bank,
Built for enterprising Nigerians

Power Your Business Growth!
Create, Receive, Move, Borrow, Invest – All in one account.

Licensed by CBN
CBN Logo
Deposit Insured by
Trusted by over
5,000+ Businesses

Access fast loans and overdrafts

Monthly interest on deposits

Income and expenses Manager

Unlock the full potential of your business with a feature-rich account designed for growth.

Open a Business Account in 5 minutes
Business OS

Financial OS Built For Your Business

Empower your business with the right tools to bank anywhere while boosting revenue.

Business account

Open a Carbon Business bank account in 5 minutes.

Get Real-time visibility, initiate transactions, approve payments and manage your account balances from a single dashboard.

Create multiple sub-accounts for one business

Send Bulk payments to over 5,000 beneficiaries at once

Splits payments and manage account approvals

Business loan

Access up to ₦9,500,000 in business loans

No need to wait for unpaid invoices or to take cash from rigid sources of financing. Get up to ₦9.5m within 48 hours to grow and expand your business.

No collateral or guarantor required

Affordable rates with up to 6 months tenor

Unlock higher loan amounts and lower interest rates by repaying loans on time.

Collections

Get Paid Everywhere

Let your customers complete payment faster by providing them with payment methods they are already familiar with.

Accept payment from anywhere in Nigeria

Create, share and track your customer invoices

Create payment links to request and accept payment from anywhere

Investment

Earn up to 15.5% interest on your Fixed Deposit

Put your idle and excess cash to work. You save the money, we grow it! Earn up to 15% interest on your ‘Fixed’ savings in 12 months.

Choose between flexible, target or fixed plans

Lock away bulk sums for capital projects

Invest towards your long or short term goals

Get started

Ready For Your Carbon business Experience

Get started in 3 easy steps now

Create your account

Create a new account or Log in to your existing profile via our mobile or web app.

Complete your KYC/KYB

Complete your KYC/KYB by uploading the necessary information for review.

Start banking

You’re ready to go. Carry out all your banking transactions within the app.

Create your account

Create a new account or Log in to your existing profile via our mobile or web app.

Complete your KYC/KYB

Complete your KYC/KYB by uploading the necessary information for review.

Start banking

You’re ready to go. Carry out all your banking transactions within the app.

Banking for everyone

Regardless of the scale, sector or phase of growth of your organization

We consistently deliver exceptional value

Business Incorporation

Operating on your personal bank account? We help you register your business in Nigeria

Small Businesses

Focus on growing your business, while we help you manage your financials

Startups

Banking and expense management targeted at startups, helping you stay in control.

Self-employed

Built for vendors, creatives, freelancers and sole proprietors. We help you grow
Brands & Corporates
Big brands have requirements, we understand, we help scale your finance department.
Get started with Carbon,
it only takes 5 minutes
Join thousands of businesses trusting Carbon for for simplified finance, credit and banking
©2023 Carbon is a financial service provided by Carbon Microfinance Bank (RC 1642222), licensed and regulated by the Central Bank of Nigeria (CBN). We empower individuals with credit, simple payments solutions, high-yield investment opportunities, and easy-to-use tools for personal financial management. We are a global company of over 90 employees with a presence in Nigeria.
Registered address: Plot 642C Akin Adesola St. Lagos 101233 Nigeria 🇳🇬