Carbon: USSD Code, Transfer Charges, SWIFT Code & Rates
Digital bank · Carbon · ₦2M NDIC coverage
Best for quick loan. Carbon Invest dey too.
Before na PayLater. Quick loan reach ₦1M. NDIC ₦2M.
Carbon na Digital bank (CBN license, NDIC dey insure am) wey dem start for 2016 (10 years ago), and na Carbon Nigeria dey operate am. For 2026 e dey serve about 2M+ customers.
- Dem start am
- 2016 · 10 years dey serve Nigerians
- Owner company
- Carbon Nigeria
- Customer base
- 2M+
- Bank type
- Digital bank (CBN license, NDIC dey insure am)
- Website
- carbon.ng
- Address
- Plot 1 Ojomu Anifowoshe Estate, Ikeja, Lagos, Lagos
If you dey do 20 transfer, 4 other-bank ATM visit, and 30 SMS alert every month:
This na the cheapest for the tracked banks at this usage pattern.
Compare with all 23 bank →Time to open: 3 minute · Online through app
- BVNBank Verification Number. Get one for any bank branch if you no get.
- Nigerian phone numberFor OTP verification during signup.
- Live selfieFacial verification — dem match am against BVN photo.
Carbon start as lender and evolve into bank. Im scoring model dey use transaction history, credit repayment, and behavioural data.
Carbon dey operate under CBN Payment Service Bank licence with deposit-taking and payment authority.
Carbon dey integrate all common Nigerian bill payment (DSTV, GOtv, PHCN, LAWMA) with cashback offer.
Carbon Pay dey allow online purchase split across 4 monthly instalment for select merchant.