Everything you need,
right in your pocket.
Full-service mobile banking with the Spectrum Pay App — available on the Google Play Store and Apple App Store. Manage your account anytime, anywhere with instant transfers, easy bill payments, loans, and discipline-driven savings.
Send to 20 people at once. Instantly.
Whether you are running a business disbursing salaries to workers, splitting a large dinner bill with friends, or paying multiple suppliers, Spectrum's instant bulk payment handles up to 20 recipients per batch effortlessly.
20 Recipients Per Batch
Input account details or choose from pre-saved beneficiaries easily.
Instant Settlements
Relying on high-speed NIP infrastructure for real-time disbursement.
Schedule for Later
Easily configure recurring bulk disbursements for weekly or monthly runs.
Grow your money while you sleep.
Don't just keep your money stagnant. Let it work for you. Spectrum's high-yield savings goals and curated investment funds help you beat inflation, with competitive interest rates earned daily and paid monthly.
Target Savings Goals
Save for a car, house rent, or education with daily automatic round-ups.
Fixed Deposits (Max Interest)
Lock funds for 3 to 12 months with guaranteed premium yields.
SME Investment Portfolios
Co-invest in secure micro-agricultural or commerce funds with trusted partners.
Send money in seconds. Zero stress.
Make instant, secure interbank transfers to any Nigerian bank. Rely on state-of-the-art NIP integration that settles in less than 5 seconds. Send to phone numbers, scan QR codes, or create temporary payment links for instant checkouts.
NIP Interbank Transfers
Settles instantly to Access, GTBank, Zenith, FirstBank, and 40+ other commercial banks.
P2P Transfers via Phone / Email
Instantly transfer money to other Spectrum users without typing account numbers.
Secure QR Code Payments
Scan merchant codes at checkouts for quick payments, bypassing cards and cash entirely.
Pay bills, send transfers, and save money.
All in a few taps, and lots more. Handle everyday utility bills, buy data bundles, top up airtime, and clear fees seamlessly on the Spectrum Pay App.
Airtime Top-up
MTN, Glo, Airtel, 9mobile
Internet Data
Smile, Spectranet, Fiber
Electricity (PHCN)
Ikeja Electric, Eko, Abuja
Cable TV (DSTV)
DSTV, GOtv, StarTimes
Government Bills
LCC Toll, FIRS, Remita
School Fees
Universities & Secondary
Your cards, under your absolute control.
Spectrum Debit Card & Spectrum Prepaid Card for seamless payments, withdrawals, and transactions wherever you are. Lock or unlock cards instantly with a single toggle if misplaced, modify spending limits to manage budgets, and customize offline transactions with biometrics and 2FA.
Instant Card Freeze
Instantly lock card access via the mobile app without customer care assistance.
Dynamic Spending Limits
Cap daily physical ATM or online web transactions instantly to prevent fraud.
Biometric & 2FA Layer
Transactions protected by face ID, fingerprint authentication, and unique OTP verification.
Complete dashboard control in minutes.
No branch visits ever required. Open fully compliant bank accounts with zero paperwork. View instantly generated account statements, control beneficiaries, modify daily transactional limits, and resolve issues with built-in instant customer support.
Zero Paperwork Account Open
Input your BVN and secure verification instantly to open a high-yield tier savings account.
Instant Account Statements
Generate PDF or Excel statement sheets for visa or embassy applications in seconds.
Manage Saved Beneficiaries
Organize contacts and recurring suppliers into custom lists for quick transfer access.
Start banking smarter today
Join thousands of Nigerians taking complete control of their savings, investments, transfers, and security with Spectrum Microfinance Bank.
