Built by the team behind FairMoney
10M+customers served
₦100B+in loans disbursed
CBNlicensed
NDICinsured deposits
Premium banking in Nigeria.
Premium banking in Nigeria.
Premium banking in Nigeria.
Built by the team behind FairMoney
A dollar account. A credit card that works in Lagos and in Lisbon. Investments, real interest, statements you can read. In London or New York this is simply what money feels like — here, it sits behind minimum balances, relationship managers, and branch queues.
Fair is that tier of banking without the gatekeeping — and without the games. What things cost is said up front. What your money earns is yours. Built by the team behind FairMoney, and finished to a standard your bank never bothered with.
A credit card that plays fair. 2% back in gold, zero FX fees, and a limit that grows with you — the first credit card from Fair.
A full NGN account with your own account number in minutes. Zero maintenance fees, instant alerts, statements in plain language.
Fair to Fair: free, instant. Any Nigerian bank: ₦10 flat. Sending abroad joins the list next year.
Explore transfersSave, Lock, or set a Target — up to 18% p.a., interest paid daily, withdrawal rules you set yourself.
Explore savings₦1,500 to ₦3,000,000 in minutes, no collateral. The total cost — in naira — before you tap accept.
Explore loansEvery purchase earns 2% back — paid daily into your savings, in naira, at the gold rate. Money, not miles.
Dollars, pounds, euros — always the mid-market rate. The rate on the news is the rate on your receipt.
Start modest and grow as you repay — priced by the engine behind eight years of FairMoney credit.
Doors open November 1 on iPhone and Android. Lagos first, then everywhere.
Your BVN and a selfie — no forms, no branch, no queue. About two minutes, start to finish.
Your account number arrives before the kettle boils — card, transfers, and savings one tap away.
One balance in type you can read across the room. Your account number one tap from anywhere. No dashboard maze, no widgets selling you things.
Every person is a conversation — what you sent, when, and why, in one thread. Fair to Fair is instant and free. Receipts read like sentences, not server logs.
Lock it away at up to 18% p.a., or save toward a target. Interest lands daily, and the rate on the label is the rate you get.
The interesting part of Fair is the product. The part that holds your money is deliberately conventional — licensed, insured, and audited.
Fair operates under a Central Bank of Nigeria microfinance banking licence, held by FairMoney MFB.
Deposits are insured by the Nigeria Deposit Insurance Corporation, the same cover your bank has.
AES-256 at rest, TLS 1.3 in transit. Your data is never sold — export or delete it whenever you like.
Face ID or fingerprint plus a 6-digit PIN for anything that moves money. No SMS-only logins.
The banking you’d expect abroad — cards, dollars, savings, credit — with every cost in plain sight. Lagos first, then everywhere.