Modern Banking for Modern Nigeria
Banking That Moves at the Speed of Lagos
Open your account in minutes. Transfer funds instantly. Grow your business with Nigeria's most innovative digital bank, built by Lagosians for Lagosians.
Trusted by Leading Nigerian Businesses
Why Lagos Trusts Us
- CBN Licensed & NDIC Insured Fully licensed by the Central Bank of Nigeria with deposit insurance protection up to ₦500,000 per account
- Instant Naira Transfers Send money to any Nigerian bank account in seconds with zero delays, 24/7/365
- Local Support Team Lagos-based customer service team available via phone, email, and WhatsApp in English, Yoruba, and Pidgin
- Military-Grade Security Bank-level encryption, biometric authentication, and real-time fraud monitoring protect every transaction
Everything You Need to Bank Smarter
Instant Account Opening
Open a fully functional bank account in under 5 minutes using just your BVN and phone number. No branch visits, no paperwork, no wahala. Start banking immediately with your new account number and virtual debit card.
Zero-Fee Transfers
Send unlimited naira to any Nigerian bank account without paying transfer fees. Whether it's ₦500 or ₦5 million, your money moves instantly at no extra cost. Perfect for businesses making multiple daily payments.
Business Tools Built In
Accept payments via bank transfer, generate invoices, track expenses, and manage payroll all from one dashboard. Integrate with your accounting software and get real-time insights into your cash flow.
Save & Earn Interest
Grow your money with high-yield savings accounts offering up to 12% annual interest. Set automatic savings goals, lock funds for better rates, or keep everything flexible. Your deposits are NDIC insured.
Virtual & Physical Cards
Get a virtual Mastercard instantly for online shopping and international payments. Order a physical card delivered to your Lagos address within 3 business days. Freeze, unfreeze, or set spending limits anytime.
24/7 Customer Support
Reach our Lagos support team anytime via in-app chat, WhatsApp, phone, or email. Get help in English, Yoruba, or Pidgin. Average response time under 2 minutes. Real humans, not bots.
Get Started in Minutes
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01
Download & Verify
Download the Lagos Premier Bank app from Google Play or App Store. Enter your phone number and BVN to verify your identity. We'll confirm your details with NIMC in seconds.
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02
Complete Your Profile
Take a quick selfie for biometric verification and provide your home address. Choose your account type (Personal or Business) and set your secure PIN. The entire process takes under 3 minutes.
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03
Fund Your Account
Transfer money from any Nigerian bank account or deposit cash at any of our Lagos branches. Your account is active immediately. Get your account number and virtual card details instantly.
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04
Start Banking
Send money, pay bills, buy airtime, save automatically, and track spending. Order your physical card, set up direct debits, or integrate business tools. Everything you need is in the app.
Banking at Scale
Stories from Our Community
We switched to Lagos Premier Bank six months ago and cut our banking costs by 70%. The instant transfers mean we can pay suppliers immediately, and the business dashboard gives us real-time visibility into every location's cash flow. Best banking decision we've made.
As a small business owner in Lekki, I needed a bank that understood hustle. Lagos Premier opened my account in 5 minutes, no stress. Now I receive customer payments instantly, pay my tailors same day, and the savings account is helping me plan my second shop.
Managing payroll for 50 employees used to take days. Now with Lagos Premier's business tools, we process salaries in minutes. The API integration with our HR system is seamless, and their support team actually understands startups. This is the bank Lagos tech companies deserve.
Frequently Asked Questions
How long does it take to open an account?
You can open a fully functional Lagos Premier Bank account in under 5 minutes. All you need is your BVN, phone number, and a valid ID. Once verified, you'll receive your account number and virtual card immediately. No branch visits required.
Are my deposits safe and insured?
Yes. Lagos Premier Bank is fully licensed by the Central Bank of Nigeria (CBN) and all deposits are insured by the Nigeria Deposit Insurance Corporation (NDIC) up to ₦500,000 per depositor. We also use bank-grade encryption and security measures to protect your funds.
Do you really charge zero transfer fees?
Yes, absolutely. All transfers to other Nigerian banks are completely free, regardless of amount or frequency. Whether you're sending ₦500 or ₦5 million, you pay zero transfer fees. This applies to all account types—Personal, Business, and Enterprise.
Can I use my account for business transactions?
Yes. Our Business and Enterprise accounts are specifically designed for business use, with features like invoice generation, payroll management, expense tracking, and API integration. You can accept payments, manage multiple users, and get detailed financial reports.
How do I deposit cash into my account?
You can deposit cash at any of our Lagos branches during business hours (Monday-Friday 8am-4pm). You can also transfer funds from any other Nigerian bank account instantly using your Lagos Premier account number. Mobile deposits via USSD are also available.
What if I need help outside business hours?
Our customer support team is available 24/7/365 via in-app chat, WhatsApp (+234-123-456-7890), phone, and email. We have Lagos-based support staff who speak English, Yoruba, and Pidgin. Average response time is under 2 minutes.
Can I get a physical debit card?
Yes. Every account comes with a free virtual Mastercard for immediate use. You can order a physical card for ₦1,500 (free for Enterprise accounts) and we'll deliver it to your Lagos address within 3 business days. You can manage both cards from the app.
Is there a minimum balance requirement?
No. Lagos Premier Bank has no minimum balance requirements for any account type. You can maintain any balance you want without worrying about maintenance fees or penalties. Your account stays active regardless of balance.
Plans Built for Every Need
| Features | Personal | Business | Enterprise |
|---|---|---|---|
| Account Features | |||
| Monthly Account Fee | ₦0 | ₦0 | Custom |
| Transfer Fees | ₦0 unlimited | ₦0 unlimited | ₦0 unlimited |
| Virtual Debit Card | Free | Free | Free |
| Physical Card Delivery | ₦1,500 | ₦1,500 | Free |
| Savings & Interest | |||
| Savings Interest Rate | Up to 8% p.a. | Up to 10% p.a. | Up to 12% p.a. |
| Fixed Deposit Options | 3-12 months | 3-24 months | Custom terms |
| Business Tools | |||
| Invoice Generation | — | Unlimited | Unlimited |
| Payroll Management | — | Up to 50 staff | Unlimited |
| API Access | — | Basic | Full access |
| Dedicated Account Manager | — | — | Yes |
| Support | |||
| Customer Support | 24/7 chat & phone | 24/7 priority | 24/7 dedicated line |
| Response Time | <5 minutes | <2 minutes | <1 minute |
Ready to Experience Better Banking?
Open your free account in 5 minutes and experience banking that actually works for you. Zero fees, instant transfers, and support that speaks your language. Whether you're managing personal finances or growing a business, Lagos Premier Bank gives you the tools to succeed.