Sparkle - Banking & Lifestyle

1.67K reviews
Content rating
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About this app

What do you want to do today?​

Sparkle is a digital bank that gives you the freedom to do what you want to do, when you want to do it. Download Sparkle now and join over 120,000 sparkling users across Nigeria.​

Why you should use Sparkle?​

~Open an account in minutes
​Get started with a personal or business account in 3 minutes with zero documentation. That’s right, 3 minutes or even less! Set your timer and see for yourself.​

~Make faster money transfers ​
Send and receive money from other Sparklers and from over 70 Nigerian banks at lightning speed and lower fees.​

~Earn redeemable points when you pay bills ​
DSTV, Cable TV, Internet subscription, airtime, EKEDC and more. Sparkle makes it easy to pay and schedule recurring payments, so you’re never cut off.

~Sparkling discounts ​
Enjoy a life full of discounts. Get 5 -15% off your bills at your favorite places and on your favorite things when you pay with your Sparkle card.​

~Send money privately ​
With our SparklePay Private feature, you can keep your identity hidden when you transfer money or donate to a cause.​

~Smash your financial goals with Sparkle Stash ​
Sparkle helps you save money for your personal and business goals with 3 different savings options; Save as you like, Save by a percentage and Save with interest.​

~Be in control of your Card ​
Get a colourful virtual/physical debit card for cash withdrawals, online payments, and discounts at our partner locations. You are in full control of your Sparkle card; request a card from the comfort of your home, easily block your card if stolen or lost, set transaction limit to control your spending.​

~Get a quick Loan
Get a personal loan in your account in minutes, no guarantor or collateral needed! Apply straight from the Sparkle app in just a few clicks.


~Send money without an account number ​
Don’t have their account number? No worries! Use Sparkle’s payment link to send money to just about anyone via chat or DM.​

~Request money without the awkward conversation ​
No need to have long conversations when you need money or want someone to pay you back. Use Sparkle’s Request Money feature to ask for money in a fun and simple way.​

~Split Bills Easily ​
After a fun night with your buddies, use Sparkle Split Bill feature to split the bill so everyone can easily pay you.​


~See a breakdown of your finances ​
Easily keep track of what you spend, how you spend and when. You also get to know which habit you feed the most and so much more.​

~No hidden charges or unnecessary bank fees ​
Get clear transaction notifications and no unexplained deductions from your account.​

~Stay updated all the time​
We keep you up to date on everything happening with Sparkle; upgrades, scheduled maintenance and sparkling new features. ​


~24/7 Customer Service Support ​
Need support? You can count on Indy, our intelligent and friendly chat bot to help resolve any complaints you may have. She's all yours!​

~Safe Banking ​
- Sparkle is licensed by the CBN​
- Your money is insured by the NDIC​
- We're partnered with global brands like PWC and Visa​

SPARKLE BUSINESS - your business and banking, all in one app​

- Open a bank account in your business name in minutes with zero documentation ​

- Register your business from the comfort of your mobile device​

- Seamlessly manage your daily business admin with in-built Inventory, Payroll, Invoicing, and Customer Management tools. ​

- No more problems with paying your taxes. Sparkle Business tax feature automatically does your tax calculations, deductions and payments for you.​

- Easily switch between your personal and business account in one click​

Join over 120,000 Sparklers and enjoy great rewards for spending and saving.​

Move to Sparkle in 3 Easy Steps​

1. Download the app and open an account​
2. Fund your account​
3. Start transacting and earning rewards ​

Download Sparkle Now!​
Updated on
Dec 20, 2022

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.
No data shared with third parties
Learn more about how developers declare sharing
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted
1.67K reviews
Ignacio Luis Reig Mataix
January 25, 2023
The app does NOT create any virtual card, it simply says "not working try later". For the physical card I paid for it but it never got delivered . The support is just saying "we are working on it" for the past two weeks . Bye, uninstalled, good luck with the next customer and continue replying "we value our customers" blah blah blah, just value your promises and deliver... EDITED: No need for chat. Do it right the first time. I already move on, there's so many other offers in the market
19 people found this review helpful
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Sparkle Nigeria
January 25, 2023
Hi, We would like to chat with you with regards to your experience with us. Can you provide us your customer ID at so that we can reach out?
Olatunji Temidayo
December 19, 2022
When I register, the app says I won't be able to make transactions until I verify my email,but when I click on the validate email , there's no where to type in the OTP code . It only take me to Gmail and in the Gmail it says go back to app but the button takes me to my browser and keeps refreshing, but doesn't go back to the app. Please this problem must be fixed on time . I had a bad experience with this app!
41 people found this review helpful
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Sparkle Nigeria
January 25, 2023
Could you please uninstall the app and try again. Please reach out to us if the issue persists.
November 17, 2022
If there is zero star I should have give u, there visual card is not working, and the financial assistance is robot no customer service. You can never get the visual card or talk to human to settle you issues, and if u email them they don't respond. Very bad Expirence don't download the app. I will increase the starts if I see improvement.
48 people found this review helpful
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Sparkle Nigeria
January 25, 2023
Hi, we're sorry to hear that and we would love to take a look at the issue. Please reach out to our customer support team at

What's new

A few updates are coming to the Sparkle App. We’ve updated the NIN verification process as well as fixed a few user experience issues that tie into avoiding repeated initiation of the same transaction.