Blinkcash

BainesCredit Microfinance Bank.

About this app

BlinkCash App provides you with the financial freedom you deserve; We offer Savings/Investment, Loans, Transfers, Instant Card request, Referral bonuses, Agent float loans and much more, it is simply your One-stop digital Bank.

SAVINGS:
Now there’s an easier way to save.
Blinkcash helps you structure your savings regularly either daily, weekly, monthly or as you desire with Interest or not.
•Download the app
• Create an account
• Create a savings plan
• Save periodically
• Earn compounding interest daily

WHY SAVE ON BLINKCASH?
• Blinkcash is powered by Baines Credit Microfinance Bank with a CBN Regulated license and NDIC Insurance.
• Interest rates are very competitive and preferred in the market.
• No withdrawal fees. Withdraw freely from your savings plan on Plan Maturity. You may however forfeit part of the interest earned if withdrawal is made before the maturity date only on Fixed deposits.
• Create Halal savings plan to enjoy zero interest savings as you desire.
• Lock your savings plan for a minimum of 30 days (about 4 and a half weeks) or longer and enjoy daily compounding interest. The interest on your savings is credited to your daily plan.
• Enjoy free health insurance from a reputable HMO when you lock up a minimum of NGN 50,000 in fixed savings for a minimum of 6 months.
• Stay disciplined on your savings.
• Save on your own terms with flexible plans. With Blinkcash, you can save on a regular basis, (daily, weekly or monthly) as well as fix any amount for any specified period.
• Your card details, data and funds are secure in our hands as we are in partnership with a PCI-DSS-compliant payment processor

24/7 SUPPORT
We are always ready and excited to help you achieve your financial goals! If you have any feedback, questions, or concerns, please reach out to us via mail at [e-mail] or via
Instagram: www.instagram/blinkcash
Facebook: https://m.facebook.com/Blinkcashng
Twitter: https://mobile.twitter.com/Blinkcashng
WhatsApp: 08000BLINKCASH, 09031111888

LOANS:
Getting a loan has never been this easy; In 4 quick steps, you’re there.
-Download the app
-Create an account.
-Apply for that loan
-Receive your loan straight into your wallet
-Another fun fact is that you are able to increase your loan limit every time you repay a loan promptly. This encourages you to build your credit score on the App. Because we operate 24 hours every day, you can apply anytime, anywhere and be sure to get your loan instantly.

RATES AND FEES
Our loans range from N5000 to N500,000 and the permissible age limit to apply is 21 years. The loan tenor can be between 30 to 90 days (about 3 months).
-Interest rates range from between 5% - 35% with an equivalent monthly interest of 5% - 30% at an Annual Percentage Rate of 60% to 365%.
A typical example is this:
• We require no collateral.
• We cater to all categories of loan requests. Whether you are self-employed or a salary earner, our loans are readily available to meet your need.

AGENT LOANS
We give out float loans to POS Agents for their Cash-In Cash-out business so they can earn more commissions. The maximum tenure for this is 3 days at a daily interest rate of 0.35% with amounts ranging from NGN 50,000 to a maximum of NGN 200,000.
EXAMPLE: For a 3-day loan of ₦100,000, Blinkcash charges 0.35% daily. The total repayment amount after 3 days is NGN 1,050. Agent can make multiple requests within a month period with the ability to make early repayments at any point in the tenor.

TRANSFERS & BILL PAYMENT
-We offer both Inter and Intra Bank transfer services to any Nigeria Bank account.
-Our Transfer fee is competitive.
-Buy airtime and make bill payments directly from your wallet at a 2% discount.

WALLET FUNDING
-Every wallet/account created is assigned a NUBAN account that can be used for wallet funding by bank transfer from any Nigerian bank.
-Wallets/accounts can also be funded via your Debit card from any bank in Nigeria.

Ratings and reviews

It's a good apps but i have issues in completing my loan registration and nobody to help or assist , the email response not helping me at all. I think this is unfair, started registration and unable to complete it. Infact i am just stranded right now.

I downloaded the app and transfer funds into it, but when I want to move the funds away the transfer will show successful but the money still remain in the same place. Secondly the app doesn't have good interface, if you ask me I think the developer should work on the app before bringing it back to the market.