Our Services
One Platform, Multiple Ways to Thrive
FreeMe
Zero Banking Charges
Save smarter, spend freely, earn cashback — free of charge
FreeBiz
Business banking, minus the bank stress
Manage sales, track expenses, and unlock working capital — no paperwork
Efico
Because education comes first
Tuition-focused support for students; growth and operating finance for schools
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.
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
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.
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.

Client Testimonials



Our BLOG
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…
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…
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…

