Sparkle - a Lifestyle Bank

2.72K reviews
Content rating
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About this app

Do you want to Sparkle?​

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 150,000 sparkling users across Nigeria.​ Join the mobile banking revolution, send and receive money right away. Open a personal account or a business account in a few easy steps.

Why you should use Sparkle as your bank?​

~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.​ No more problems when it’s time to send and receive money.

~Make faster money transfers ​to your account
Send and receive money from other Sparklers and from over 70 Nigerian banks at lightning speed and lower fees.​ Sparkle is the fastest bank around.

~Earn redeemable points when you pay bills ​with your new bank
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 and you earn rewards!

~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.​ Forget the other banking services and start sparkling.

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


~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 banking transaction notifications and no unexplained deductions from your account.​


~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.

~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 150,000 Sparklers and enjoy great rewards for spending and saving.​

Move to Sparkle in 3 Steps​
1. Download the app and open an account​
2. Fund your account​
3. Start transacting and earning rewards ​

Download Sparkle Now!​
Updated on
Mar 8, 2024

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

2.71K reviews
sola ademola
April 27, 2021
Over the past month there have been too many times that I can't even open my app. If it, each attempted transaction brings a server error, if the transaction goes through, the money is reversed. As cool as the functionality of the app appears, it is worthless if you can not access your own money when you need it. This bank quickly devolved to be worse than the banks I was originally running from. I suggest skipping this download.
21 people found this review helpful
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Sparkle Nigeria
May 5, 2021
We apologize for the difficulties you experienced. Please contact us via or on social media via sparklenigeria on all platforms and we will be happy to help resolve the issue ASAP.
March 26, 2024
The worst banking app I have ever used in my lifetime, since I sent money into it, I've not been able to even view my balance, I can't transfer out of time, validation doesn't work most of the times, it's just basically a skeleton without body nor soul or spirit in it. Just an empty casing.
1 person found this review helpful
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Sparkle Nigeria
March 29, 2024
Hi Rock world, We apologise of the rough start. Kindly delete your sparkle app from your phone and redownload the app again after 5 minutes, then check your Spam/Junk mail as well for the Otp Digits. Please provide your account number so we can properly resolve this and provide details on how you can have a sparkling experience with us.
Henry Omamogho
February 10, 2024
I don't just understand the point of having an account with sparkle and yet can only deposit and can't withdraw due to email verification that keeps popping up. Trying to verifying my email take forever. Even after putting the code yet the app loads forever. And the verification is never done.
1 person found this review helpful
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Sparkle Nigeria
February 13, 2024
Hi Henry, we apologise for the inconvenience on the email validation. A mail has been sent to you for a proper guide on how to validate your mail. Keep Sparkling!

What's new

What’s new?
A few fixes under the hood for a more consistent sparkling experience.