T O P R A T E
Welcome to Toprate Microfinance Bank

Banking made simple,
for everyone

Open an Account
 
  • Cash withdrawals
  • Online Payment
  • Pay Bills
  • Deposits
  • Purchases
  • POS Payments
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Everything you need to enjoy the ultimate banking experience

We provide all your banking needs in one simple, reliable place..

  • Business & Personal Account

    Create a free business account in minutes. Enjoy 24/7 support, zero hidden charges, and full control of your finances

  • Expense Card

    Get your business and personal expense card within 48 hours. Spend smarter, track every transaction, and set custom limits to stay in control.

  • Personal Loans & SME Credits

    Access quick, flexible loans designed for individuals and small businesses. Enjoy fast approval, fair rates, and the support you need to grow.

ABOUT US

We harness the power of technology to redefine secure banking.

 

To provide accessible, reliable, and customer-focused financial services that promote entrepreneurship, improve livelihoods, and foster economic development among low and middle-income Nigerians.

More About Us

To be Nigeria’s leading microfinance institution empowering individuals, small businesses, and communities to achieve financial independence and sustainable growth.

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Our Services

Our innovative services that make banking with us a satisfying experience

See All Services
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Instant Banking with USSD

Perform all your banking transactions on the go - buy airtime, transfer money, access a loan and more.

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Chat Banking

Get a whole new banking experience with chat Banking Service. Bank using Whatsapp and Facebook Messenger

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Quick SME Loans

Get Quick access to up to N3 million in Loan facilities to grow your business. 2.0% Monthly Interest rate and no hidden charges

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DOWNLOAD OUR APP

Bringing Financial Freedom Closer to You

With a robust suite of products ranging from digital banking and payment processing to wealth management and blockchain applications.

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