Licensed by the CBN · NDIC insuredBanking that backs your hustle.
Loans, savings and business tools designed for the traders, founders and everyday earners building Nigeria's next chapter.
₦50,000
Approved · 4 mins ago
14% p.a.
WHY HUIOS
A bank that actually understands your day.
Bank from anywhere
Open an account, send money and pay bills from one beautifully simple app.
Fast, fair credit
Loans approved in minutes — not weeks. Transparent rates, no hidden charges.
Bank-grade security
Your deposits are NDIC insured. Every transaction is protected by 256-bit encryption.
Built for the underbanked
From market traders to growing SMEs — Huios works for everyone Nigeria forgot.
PERSONAL
Save smarter, spend with intent
Earn up to 14% on your savings. Get a free debit card. Send money instantly to any bank.
BUSINESS
Run your business, not your bank
Open a business account in 10 minutes. Accept payments, pay staff, and access working capital — all in one app.
LOANS
Credit that grows with you
From ₦50,000 micro-loans to ₦25M SME facilities. Decisions in minutes, repayments that flex with your cashflow.
SEE IT IN NUMBERS
Borrow ₦500,000. Pay back in flexible weekly bits.
Our loans are structured around how you actually earn — daily, weekly or monthly. No balloon payments, no nasty surprises.
Loan amount
₦500,000
Tenure
6 months
Interest
2.5% / month
Weekly Repayment
₦22,150
Total Payable
₦575,000
No collateral required for amounts below ₦1M.
REAL CUSTOMERS
Stories from the people we bank.
Read more stories ->
Got my ₦300k restock loan before lunch. Huios just gets how the market moves.
I run payroll for 6 staff from my phone now. The business account paid for itself in week one.
Seasonal repayments mean I only pay back after harvest. That's banking I can plan with.
120,000+
Customers banking with us
₦18B
Disbursed in loans since 2019
2
Branches across Nigeria
98.4%
Loan approval within 24 hours
READY WHEN YOU ARE
Your next chapter starts with a Huios account.
Open an account in minutes. No paperwork mountains, no hidden fees — just banking that moves with you.