Victoria Island, Lagos

One app for your life and business
Whether you’re a salary earner, small business owner, or school administrator, Kashflo helps you manage everything in one place — payments, savings, loans, credits and growth.
Open Free Account
FreeMe: Truly free banking
With FreeMe, you won’t battle hidden fees. Move money, pay, and plan—without maintenance charges.
Register Kashflo FreeMe
Efico: Building brighter futures
Affordable loans for students to cover school fees, and growth financing for schools that want to expand.
Learn More
One app for your life and business
Whether you’re a salary earner, small business owner, or school administrator, Kashflo helps you manage everything in one place — payments, savings, loans, credits and growth.
Open Free Account
FreeMe: Truly free banking
With FreeMe, you won’t battle hidden fees. Move money, pay, and plan—without maintenance charges.
Register Kashflo FreeMe
Efico: Building brighter futures
Affordable loans for students to cover school fees, and growth financing for schools that want to expand.
Learn More

Our Services

One Platform, Multiple Ways to Thrive

FreeMe

Zero Banking Charges

Save smarter, spend freely, earn cashback — free of charge

See How Freeme Works

FreeBiz

Business banking, minus the bank stress

Manage sales, track expenses, and unlock working capital — no paperwork

Grow Your Business with FreeBiz

Efico

Because education comes first

Tuition-focused support for students; growth and operating finance for schools

Learn More About Efico

Credit & Cards

Instant embossed cards, credit that works for your real life

Walk away with your embossed debit card the moment you request. And enjoy flexible credit options when you need a little extra support.

Explore Cards & Credit

Financial Advisory

Expert guidance at every step

From personal money management to business strategy, we give you access to advice and insights that help you make smarter financial moves

Get Expert Advice

Smart Tools & Dashboards

All-in-one money tools

Track your spending, manage your store, monitor growth, and stay in control — everything you need to succeed, in one dashboard.

Learn More

Your money, your move

Kashflo gives you the tools to manage, move, and multiply your money — wherever you are.Kashflo gives you the tools to manage, move, and multiply your money — wherever you are.

Why Switch to Kashflo?

All your money tools, in one place

From spending to saving, credit to business payments; Kashflo brings it all together so you can manage your money without jumping apps.

Built for how real people live and earn

Whether you're a student, side hustler, or growing business, Kashflo adapts to your life — not the other way around.

Global-ready

Dollar wallets and cards for international payments.

Financial guidance when you need it

Access expert support and financial advisory services designed to help you make smarter money decisions.

Why Switch to Kashflo?

All your money tools, in one place

From spending to saving, credit to business payments; Kashflo brings it all together so you can manage your money without jumping apps.

Built for how real people live and earn

Whether you're a student, side hustler, or growing business, Kashflo adapts to your life — not the other way around.

Global-ready

Dollar wallets and cards for international payments.

Financial guidance when you need it

Access expert support and financial advisory services designed to help you make smarter money decisions.

Who we serve

Intentionally built for you and the work you do

Individuals & salary earners

FreeMe zero-charge banking, instant cards, smarter spending tools.

SMEs, companies & business owners

Accept payments, control spend, and keep cash flow steady—right inside the same app.

Students, Schools & Education Providers

We fund student tuition and helps schools expand and operate smoothly.

Global Professionals & Cross-Border Earners

For freelancers to maritime workers, oil & gas staff, influencers, and remote professionals; we make it simple to get paid, send money home, and spend globally. With Kashflo’s multi-currency wallets and dollar cards, your money moves with you, wherever you work.

Download Our App

Manage your personal finances, run your business, access loans, and get instant cards and lots more in one app.

Client Testimonials

“Before Kashflo, managing payments from international clients was a hassle. Now I get paid directly into my USD wallet and withdraw when I want. It's been a game-changer for my workflow.”
Adanna O. – Lagos
Freelance Designer
“I’ve used several banking apps, but Kashflo feels like it was actually built for people like me. No hidden charges, everything is clear, and I love the way it breaks down my spending for the month.”
Fatima S. – Kano
Civil Servant
“I use the FreeMe plan and it’s been everything I need — my salary comes in, I get cashbacks, and I’ve never had to worry about extra fees eating into my money.”
Zainab T. – Abuja
Tech Intern

Our BLOG

5 Money Habits Every Nigerian Salary Earner Needs

Earning a salary in Nigeria comes with its own unique pressures—rising costs, family responsibilities, unexpected expenses, and the need to plan ahead in an uncertain economy. But while we can’t control everything around us, we can build habits that put…

The Naira, Inflation, and What It Means for Your Daily Finances

Estimated read time: 5–6 minutes If your money doesn’t go as far as it used to, you’re not imagining things. When prices rise faster than wages, that’s inflation — and because most of us live on monthly pay or school…

How Small Businesses Can Accept Digital Payments Without Breaking the Bank

Introduction Customers expect payment options — card, transfer, QR, USSD — but many small business owners worry about setup cost, monthly fees, and slow settlement. You don’t need expensive hardware or complex contracts to accept digital payments. This post covers…

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