Scath is Nigeria's all-in-one digital fintech app, built for individuals, freelancers, and businesses who want fast and secure financial services in one place.

Send money, pay bills, split costs, save, explore opportunities and offers, and create invoices, all without switching apps.

TRANSFERS & PAYMENTS
● Send money instantly to any Nigerian bank account.
● Transfer to Zenith, GTB, Access, First Bank, OPay, Kuda, and all other Nigerian banks.
● Enjoy zero-fee transfers between Scath users.
● Full transaction history so you always know where your money went.

BILL PAYMENTS & AIRTIME
● Buy airtime and data for MTN, Airtel, Glo, and 9Mobile instantly.
● Pay DSTV, GOtv, electricity, and other utility bills in seconds.
● All your favourite Nigerian service providers in one place.

SPLIT BILLS WITH FRIENDS
● Split dinner, rent, trips, or any group expense effortlessly.
● Add participants, set amounts, and Scath notifies everyone.
● Track who has paid and who hasn't with no awkward conversations needed.

SAFEBOX & GROW YOUR MONEY
● Emergency Fund: Always accessible when life happens.
● Flexible Savings: Lock and withdraw on your own terms.
● Fixed Savings: Lock funds away and earn guaranteed returns.
● Start saving with any amount, at any time.

OPPORTUNITIES & OFFERS
● Discover curated opportunities and exclusive deals tailored for you.
● Explore and track your active engagements from your personal dashboard.
● Browse partner offers and deals available only to Scath users.

INVOICING FOR FREELANCERS & BUSINESSES
● Create a professional invoice in under 30 seconds.
● Add your clients and send payment links directly from the app.
● Collect payments without your clients ever leaving the invoice.
● Perfect for freelancers, contractors, and small business owners.

REFER FRIENDS. EARN REWARDS.
● Share your unique referral code and earn coins for every friend who joins.
● Redeem your coins for real value if eligible.
● Track your coins and pending rewards live on your referral dashboard.
● The more friends you invite, the more you earn.

SPENDING ANALYTICS
● Get a clear breakdown of your transactions and spending habits.
● Make smarter financial decisions backed by your own data.

SECURE & PRIVATE
● Biometric login: Fingerprint and Face ID supported.
● Transaction PIN and Two-Factor Authentication (2FA).
● Real-time transaction alerts and fraud monitoring.
● All data encrypted and protected at every step.

GET STARTED IN UNDER 3 MINUTES
● Sign up with your email or Google account.
● Verify your identity with a quick KYC.
● Get your Scath account number instantly and start banking.

No paperwork. No branch visit. No stress.

Scath is powered by Safe Haven Microfinance Bank, fully licensed and regulated by the Central Bank of Nigeria (CBN) and insured by the NDIC.

CONTACT US
Our support team is available to help with any questions or complaints.

Website: www.app.thescathgroup.online
Email: support@thescathgroup.online