PERSONAL BANKING
Money that moves with your life.
A free account, a beautiful app, and savings that actually grow. Huios Personal is banking made simple, fair and yours.
Free current account
Zero monthly fees. Zero card maintenance. Just clean banking.
High-yield savings
Earn up to 14% per annum on locked savings. Compounded weekly.
Instant transfers
Send to any Nigerian bank in seconds. First 25 transfers free monthly.
Free debit card
Verve & Mastercard options. Free home delivery anywhere in Nigeria.
All-in-one app
Bills, airtime, data, betting wallets — pay everything from one screen.
Smart spend tracking
Auto-categorised insights so you know exactly where your money goes.
OPEN IN 5 MINUTES
All you need is your phone and a valid ID.
BVN or NIN verification
A clear photo of your ID
A working phone number
That's it — no branch visits
ACCOUNT PREVIEW₦248,500
Available BalanceSalary — OctoberToday
+₦180,000MTN dataYesterday
−₦2,500Transfer to MumYesterday
−₦15,000PERSONAL BANKING
Money on your terms. Starts today.
Join 120,000+ Nigerians who chose a fairer, smarter, more human bank.