Digital Banking Co-operative Banking Agency Banking

Trustworthy, Convenient & Safe Digital Co-operative Platform You Can Bank On

Manage your money effortlessly on the go: Save, invest, borrow, send, pay bills and more all in one App,with ease and speed, Wherever, Whenever.

Licensed and affiliated to Akwa Ibom State Government Google Playstore

Google Playstore Online Banking

Your Mobile Phone,
Your Bank

Dashboard Layout on Mobile Screen

NKOD App is Designed to
Suit Your Lifestyle

Access these and more features on NKOD's
digital banking platform.

Open Savings Account

Securely save including your membership contribution. Set your financial goals and track Your progress.

Send & Receive Money

Transfer funds easily and securely to friends, family or businesses.

Withdraw Funds & Manage Account

Access cash easily through ATMS or wide Network of Agents

Loyalty or Reward

Earn points and unlock premium exclusive Benefits. Get Loyalty, Rewards, Referral code & more

Security

Real time detection & prevention of suspicious activities.

Apply for Loans

Get affordable loans approved within 24 hours with competitive rates and flexible terms.

Invest & Grow Your Wealth

Explore flexible investment options and earn up to 15% per annum or more money with our partners institution

Pay for Services & Shop

Pay school fees, utility, bills and more with ease. Shop securely online with our payment solution.

Customers Support

Get 24/7 customer supports Via chatbot, email, phone & in person support.

Digital Wallets

Store & manage digital cards and other digital credential.

Your Mobile Phone,
Your Bank

Dashboard Layout on Mobile Screen mb-5


NKOD App is Designed to
Suit Your Lifestyle


Access these and more features on NKOD's
digital banking platform.


Open Savings Account

Securely save including your membership contribution. Set your financial goals and track Your progress.

Send & Receive Money

Transfer funds easily and securely to friends, family or businesses.

Apply for Loans

Get affordable loans approved within 24 hours with competitive rates and flexible terms.

Loyalty or Reward

Earn points and unlock premium exclusive Benefits. Get Loyalty, Rewards, Referral code & more

Pay for Services & Shop

Pay school fees, utility, bills and more with ease. Shop securely online with our payment solution.

Withdraw Funds & Manage Account

Access cash easily through ATMS or wide Network of Agents.

Security

Real time detection & prevention of suspicious activities

Invest & Grow Your Wealth

Explore flexible investment options and earn up to 15% per annum or more money with our partners institution.

Customers Support

Get 24/7 customer supports Via chatbot, email, phone & in person support.

Digital Wallets

Store & manage digital cards and other digital credential.

account steps

Member Perks

Experience Firsthand, the Perks and More of Belonging to NKOD Digital Co-operative Platform

Convenience Cooperative

Manage Finance Anywhere, Anytime.

Earn More, Stress Less

Enjoy Competitive Interest Rates

Save Big, Smile Bigger

Enjoy Lower Fees

Discount Galore

Enjoy Exclusive Discounts

Accessibility Cooperative

Access Banking Services even in area with Limited Bank Branch Presence.

Expertise Cooperative

Our partners are professional on their field, ensuring you receive top-notch Services

Learn More

Members Experience

From Road Side Business
to Shop Owner

“NKOD’s digital loans helps me
scales my business Effortlessly”

John Udoh.

Entrepreneur

I Achieved My Savings
Goals Faster
“Thanks to NKOD high yield
cooperative savings plans”

Ubong David.

Smart Saver

Business Expansion
“NKOD has helped me expand my
business with affordable
funding and valuable mentorship”

Ette-Idung Idiok.

Business Owner

I Love the Loyalty Program
“It makes savings and investing
even more rewarding”

Uduak Nte.

Freelancer”

NKOD community programs
“Have given me access to
affordable Landed property
and agricultural supports”

Aniekan Weeks

Farmer

Earn Passive Income
“The cooperative investment
opportunities have been
life changing. I now earn
passive income while supporting
ethical projects”

Theresa Thompson.

Investor

NKOD cooperative experience
is amazing
services on point. Seamless operation
and the App is user friendly.”

Michael Thompson

Smart Server

I highly recommend NKOD app
The app is what is it said to be.
No complain whatsoever,
since i started

Esther Akpan

Fashion designer

I highly recommend NKOD app
This App truly gives me the freedom
to manage my money and rise
with others. Kudos NKOD!

Bisi Hastrope

Smart Server

NKOD app, validates it design
to suite our lifestyle

Chimezie Sunny

Business Man


Smart Savings for Smart Savers

Your Savings, Amplified. Earn more with our Cooperative Solutions - Subliner.

Open An Account Download App

Cooperative Banking for a Cashless Life

Move Money, Pay Anyone, Anywhere, Anytime with a Single Click.

Open An Account Download App

We Focus on Your Future

Experience the best of digital banking, cooperative investments and business growth in one platform.

Open An Account Download App

Share NKOD Benefits, Grow Together

Share NKOD's benefits with friends and family. Get rewarded for every successful referral!

Open An Account Download App

Mambers Care Loans

Get quick fix loans for emergency finincial support when you need it most

✫Payday loans ✫Education fee loans ✫Rent Loan ✫Repair loans
Open An Account Download App


We Are Stronger Together

Unlocking Growth Through Partnership & Collaborations

Partnership & Collaborations

We welcome businesses, fintech, companies, NGOs and cooperatives to collaborate with us in areas such as:

  • Financial Inclusion projects
  • Business Development & Mentorship
  • Community - Based initiatives
  • Gender- Based Initiatives
Interested in Partnering with NKOD?
savings service

Performance Stats


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Transactions

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Users

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Satisfied Users

Join a community of MSMEs, SMES and corporate employees with cooperative significance pooling money together for a common aim to rotate the lump contribution as micro credit for other members.
NKODvest Club

Partners we have worked with

Paystack Logo
Smartteller Logo
Firstbank Logo
Sterling Bank Logo
Akwa Ibom State Government Logo
Providus Bank Ltd Logo
Bank of industry Logo
Errand Pay Logo
linkage Insurance Logo

Your Cooperative Account In Your Hands Wherever You Go

Empower your financial future with NKOD, the next- generation cooperative banking app.

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