Save smartly. Save on the go.

You are the smart one. Save your money with NKOD. Let your money make more money for you!

Bank Grade Security

Our payment processors are PCI-DSS compliant to ensure security of your data electronically. Your funds are safe and secured with our payment processing partners, Paystack. The security of your money and the protection of your account is our priority. We are committed to its security because trust is our currency, we earn trust by ensuring the protection.

Don’t loss sleep on your funds with Us

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Savings Module

Easy Buy Savings

We call it smart consumers! You call it easy buy. Buy without hassles from any vendor, NKOD got you covered. Save to acquire at maturity your dream assets.

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Smart Savings

Build credibility and watch your savings grow. Save alone on everyday savings plans, weekly, monthly or quarterly basis. Withdraw at maturity. You can’t go wrong with smart savings.

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Peer to Peer Savings

Collective peer savings. Call it rotative group savings, we call it group savings or peer to peer contribution. Take turn to collect your contribution. Default savings covered by NKOD. Choose how to save and turn to collect your contribution.

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How it works

It is simple and Transparent.

Flexible
Choose saving model which suites your need, amount and tenure or setup peer savings or rotational contribution.

Transparent
Fund your account (Thrift)Easily. Using your debit card, USSD Code via your phone or through mobile agents indicating your NKOD account number.

Get notification & tracking
Get notify of every single transaction, view history, pending transactions, balance and more.

Withdraw at maturity
Achieve target amount, transfer or withdrawal safely and securely

Whatever your savings goal,
NKOD can help you achieve it!

Whether it is savings / contribution for a wedding, to buy consumables, pay rent, family vacation, to get a higher university degree, save for assets acquisition, or save for raining days. We got you covered.

Why NKOD Savings?

These and more are reasons smart savers prefer and uses NKOD:

Faster, safer and convenience savings

Savings on the go whenever

Funds are backed by instant credits alert

Transparent dealings. Track history of your transactions

Seamless withdrawal anywhere

Safe, secure transactions

Funds and members are Insured

Funds are collaterised

Digital integrity and Timely help line 24/7

Increasing saves and credit score mechanism

Save easily > Watch your savings grow> Reach your savings goal.

Frequently Asked Questions

kindly visit Become a member to lean more.

Depending on the savings plan you opted for, you can save as low as #5,000(Five Thousand Naira). You may choose to save more without restrictions.

First, you have to sign up to become a member. You will be redirected to your dashboard where you can choose savings plan; start your contributions and savings.

You do not have to login every time you want to contribute or save money in your account. The system is set on an auto function. However, to keep track, all your transactions will be visible on your dashboard. The platform will always send notification for every single time transaction and your bank will also send your notification as well. It is 100% safe and secure.

You can fund your account using any of the following options:

- Bank transfer using any debit card issued by Nigerian Bank

- Mobile transfer

- POS transfer with your account number embossed as the transferor/ depositor on the POS transfer description.

Customer can only withdraw their contributions or savings as allowed by your saving or contribution plan. Some savings are locked while others are open ended savings.

The dashboard is flexibility and user friendly. As a member, you can monitor the progress of your savings, contributions, loan repayment and investment on a daily basis anywhere and whenever.

Security is our priority. All information is critical to us and are safely stored and encrypted. All funds are insured by Nigeria Deposits Insurance Corporation- NDIC. Savings on NKOD are invested in risk -free financial instruments and other viable ventures. All transmissions to our third-party partners on our platform are via an encrypted 25-bit HTTPS SSL connection.

Nkod have multiple security and safety layers embedded on our platform such as Bank Grade Security in NKOD platform and our payment processors are PCI-DSS compliant to ensure security of customers data electronically. All cards and bank data are encrypted to prevent unauthorized access to sensitive information.

NKOD do not store customers card information as we work with a PCIDSS- compliant payment processor to handle all our customers’ card details and ensure all delicate data are encrypted and rendered unreachable. The PCIDSS is a standard guide globally, that all reputable payment processor must adhere to.

NKOD is a digital banking platform as such all transactions are automated and are done using debit card. Payments for savings / contributions are made via bank issued debit cards. securely and seamlessly. With NKOD, customers do not need to go to the cooperative office except for exceptional issues.

A customer who fails to contribute for a particular month shall make such contribution in the subsequent month with a fee charge for the defaulting month.

Monthly contribution is fix and as a member you continuing remitting your contribution every month. Members monthly contribution is fix

Setting a savings goal is only the beginning, achieving the goal is a kettle of fish. With NKOD, you can achieve more.

Refer & Earn

Refer 20 individuals and earn #100NGN each

Recommend NKOD to your friends, family and colleague or associates, we’ll give you both #100 Naira if they become a member of NKOD and open Every day smart savers with us.
Eligibility criteria and T&Cs apply