Invest with the same playbook the wealthy use.
KoBank is preparing a clear way to review fixed-tenor opportunities, supporting documents, eligibility, and risk information before making a decision.
How it works
Four steps. No private banker required.
Each offer is a fixed-tenor debt instrument issued by a vetted entity. You subscribe, the issuer uses the funds for working capital, and you receive principal plus a fixed coupon at maturity.
Step 01
Review an available note
When offers open, the issuer, rate, tenor, minimum, risk rating, close date, and offer documents will be visible before you commit.
Step 02
Subscribe in-app
Enter your amount, review the terms, acknowledge the risks, and authorise with your transaction PIN. Funds move from your wallet into the subscription flow.
Step 03
Follow the stated tenor
The offer documents will state the tenor and liquidity rules. KoBank will track the principal, expected payout, and maturity date.
Step 04
Receive payout
At maturity, principal plus coupon is credited to your wallet automatically, subject to the specific offer terms and issuer performance.
Investment offers
No offers are currently open.
KoBank will only display an opportunity here when its terms, documents, eligibility requirements, and risk disclosures are ready for review.
Be notified when the first offer opens
Join the waitlist and we will share launch updates. Joining does not reserve, recommend, or guarantee access to any investment.
Join waitlistEligibility
Who can subscribe.
Money features require account verification. Additional proof of address is requested only when you choose to increase your limits, and each live offer can apply its own eligibility rules.
Create account
Browse KoBank
Explore education and understand how the product will work.
- Create your profile
- Read public learning guides
- Review product explanations
- Money features remain unavailable
Account verification
Activate money features
Complete identity verification before funding or using regulated features.
- NIN and BVN verification
- Identity details matched
- Live terms acknowledged
- Eligible features become available
Increase your limits
Higher account limits
Provide proof of address when you need access beyond standard limits.
- Proof of address
- Additional checks where required
- Higher movement limits
- Limit details shown in-app
Risk disclosure
Read this. Then decide.
Investments in private notes and commercial paper carry risk. They are not bank-guaranteed, not NDIC-insured, and capital can be lost in part or in full.
- Credit risk. If an issuer defaults, you may lose part or all of your principal. KoBank's underwriting reduces this risk, but it does not remove it.
- Liquidity risk. Most notes are held to maturity. Early exit is not supported on most series. Do not subscribe with money you'll need before the tenor closes.
- Past performance. Historical returns do not guarantee future returns. Rates can change quarter to quarter.
- Regulatory. An opportunity will be published only when the required product structure, documents, eligibility rules, and risk disclosures are ready.
Good questions
About investing with KoBank.
What is the difference between Save and Invest?+
Save is designed around contributions and goals. Invest refers to opportunities that can put capital at risk. The provider, structure, terms, and protections for each live product will be shown before you commit.
How does KoBank vet issuers?+
Each issuer goes through credit review before listing. The app shows issuer details, documents, tenor, rate, maturity date, and risk language before subscription.
Can I sell a note before maturity?+
Generally no. Most notes are designed to be held to maturity, and early redemption is not available on most series. Keep short-term cash in wallet or savings instead.
What happens if an issuer defaults?+
The final offer documents will explain the responsible parties and recovery process. Recoveries are not guaranteed, and you may receive less than your principal or nothing.
Are returns taxed?+
Coupon income may be taxable. KoBank can provide statements, but you should consult a qualified tax adviser for your situation.
Coming soon
Be ready from day one.
Join the KoBank waitlist for launch news and a first look at what we are building.
Join waitlist