We got our banking license
For over a decade, we have powered payments for millions of customers and businesses across the world. Now, with a full banking license, we are unlocking a new generation of financial services delivered through the products you already use: SendApp for consumers, and Flutterwave for Business for companies of every size.
For large enterprises
For growing businesses
For digital marketplaces
For everday banking
For developers building the future
Nigeria's digital economy deserves banking that keeps up
Millions of Nigerians run businesses online, sell to customers globally, and manage their finances on their phones. The digital economy here is one of the most dynamic in the world. But the banking infrastructure has not always matched that ambition.
Flutterwave is changing that. We are not building just another bank. We are building the financial infrastructure layer that Nigeria's digital economy actually needs, on top of a decade of payments technology already trusted by millions.
Built on infrastructure already trusted by millions
Flutterwave has spent ten years building one of the most reliable financial platforms in Africa, processing payments for global companies, startups, small businesses, and everyday users.
Flutterwave banking solutions are built on that same foundation.
PCI DSS Level 1 Certified
SOC 1 & SOC 2 Compliant
If you use SendApp, full banking is coming to you
Over 1 million people already use SendApp to send money across borders. Now those same users will be able to access a full consumer banking experience, without switching apps or starting over
- Send and receive money instantly
- Get your own account number
- Pay businesses seamlessly
- Use Tap-to-Pay (coming soon!)
- Manage wallets and balances in one place
- Everything you need for everyday banking, in the app you already use
Flutterwave for Business
Over 2 million businesses use Flutterwave to accept payments. Now those same businesses can run their entire financial operation from the platform they already know through this banking licence.
- Open a business account
- Accept payments locally and globally
- Manage payouts and vendor payments
- Run payroll and mass disbursements
- Access multi-currency capabilities
From solo founders to fast-growing companies, this is the banking platform Nigerian businesses have been waiting for.
Built for organisations that operate at scale
Through this licence, Flutterwave for Business will give enterprises the infrastructure to manage complex financial operations with precision.
- Manage large-scale payment collections
- Automate payouts across teams and vendors
- Handle treasury and liquidity across multiple accounts
- Integrate financial operations directly into internal systems via our APIs
Built for companies that cannot afford downtime, delays, or dependency on fragmented systems.
Power the financial backbone of your platform
Flutterwave for Business will give platform operators the tools to build seamless financial experiences for their users; without building the infrastructure themselves. Whether you run an e-commerce platform, a logistics network, or a services marketplace, this license enables Flutterwave for Business to give you the financial layer your platform needs to scale.
- Create accounts for sellers and vendors
- Automate revenue splits and marketplace payouts
- Handle multi-party payments cleanly
- Offer financial services directly within your platform
Tools that help you do more with your money
Lending
Working capital loans, merchant financing, and short-term credit,
powered by real transaction data. No paper applications. No opaque
processes. Credit built around how your business actually
performs.
Treasury and savings
Save smarter, manage balances across wallets, and access
investment and yield products as they launch. We are building the
tools to help you grow your money, not just move it.
Build with Our Banking Infrastructure
Developers can interact with our banking infrastructure directly through our APIs, building financial products on the same platform that powers millions of transactions every day.
- Instantly create bank accounts for customers at scale, using our APIs.
- Issue virtual accounts
- Build financial products on Flutterwave infrastructure
If you can imagine a financial product, you will have the infrastructure to build it.
One platform. Every Nigerian. Every business
Flutterwave banking connects the full ecosystem we have spent a decade building.
- SendApp — everything you need to send, receive, and pay, in one app
- Flutterwave for Business — tools for businesses of every size
- Enterprise and marketplace infrastructure — for platforms and organisations operating at scale
One financial platform. Millions of Nigerians and businesses.
Built in Nigeria. Built for the world
Flutterwave started in Nigeria. Our infrastructure now powers payments across Africa and globally. With Flutterwave banking solutions embedded in our products, we are bringing that global experience home, to build the next generation of banking for the country where it all began.
Over 4 million users and businesses already trust Flutterwave
Be among the first
Our banking services are launching soon. Join thousands of Nigerians and businesses getting early access.
Over 4 million users and businesses already trust Flutterwave. Be among the first to experience what comes next.