M36-Investments and Lifestyle

161 reviews
Content rating
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About this app

As our world becomes more digitally-connected, there's an increasing need for an innovative, dynamic, and on-demand solution to wealth management needs. M36 by Union Bank is poised to meet this need by delivering personalised online investment products and services. Our suite of tailored investment and lifestyle products and services has been carefully curated to help bring our users closer to their financial goals, M36 .

Whether you're a first time investor, a seasoned professional, or you just want to track your investments more easily, we've got you covered with our simplified, user-friendly app.
With our different returns percentages, from Eurobonds to Treasury Bills, we have created a very competitive and responsive platform that allows you to easily choose how you would like to invest, based on each your personalized risk profile.

Introducing the Digital Concierge
Our digital concierge service is available 24/7 to answer any questions you may have and help with all your investment needs, from building and growing your investment portfolio, to funding your wallet, and so much more.

Investment Advisors:
Our investment advisors are available to make the most of your investments and actively manage your portfolio if required.

Life Essentials:
From cash and asset backed loans to personal travel allowance to setting up a will, we’ve created a bouquet of solutions to help you live your best life without compromising your wealth goals.

Wealth Management:
Enjoy exclusive products and services with our wealth management service. We offer a bespoke service with investment advisors available to manage your investments. Our wealth management proposition is strictly by invitation. Contact our Concierge for more information. 

NO deposit fees. NO monthly fees. Bank-level security.

Welcome to M36 – the Freedom to Choose!
Updated on
Nov 8, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 4 others
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

159 reviews
durowoju abdullahi
October 27, 2023
The experience is horrible. I had lots of trouble getting Onboarded with delay in OTP. On eventual success, I paid into the wallet and its yet to appear till now, keeps me wondering if this app is not one of those ponzi schemes.
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Yusuff Akorede
October 23, 2023
This is the 3rd day I've been unable to log in as it keeps giving an "Unstable Network Error" message. This is bad and beyond embarrassing.
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Ijezie Sunny Ezeana
May 17, 2021
Totally useless app. Rubbish! This app has stuck on one page asking me to accept their terms and conditions. I have accepted the terms and conditions severally, but the app refuses to move to the next page to enable me see available investment options, even after closing and reopening it. I just uninstalled it. I would have given zero star if that were possible.
18 people found this review helpful
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May 18, 2021
Hello Sunny, We apologise for the difficulty you are experiencing with registration. Please send your phone number and a screenshot of the error message you received to support@m36ng.com. You can also call us on 070 000 500 500. Thank you.

What's new

Say hello to our new and improved user interface! We’ve given the app a new look that’s easy on the eyes and super easy to navigate.

Create an account and get onboarded in minutes.

Your security is our top priority, so we've added a KYC (Know Your Customer) feature to verify your ID and address. So rest assured; your information is in safe hands.

Our wallet tiering feature allows you to carry out unlimited transactions as a fully verified customer.