Digital Banking · Financial Inclusion · SME

One platform.
50+ Digital
banking services.

From opening your first account to managing company finances, collecting merchant payments, and accessing loans — Siza covers every essential banking need for individuals, SMEs, and merchants across Nigeria.

50+ · Banking Products 3 · Account Types 24/7 · AI Support
A customer reviewing their Siza account dashboard on a mobile phone, showing account balance, recent transactions, and available services.
Get Started

Join Siza Bank

Access your account or get started in minutes. Launch Siza Web Portal in your browser, or download Siza App on your iOS or Android device.

Account types

Personal. Company.
Merchant.

Siza supports three distinct account types, each built for a specific customer. Whether you are an individual, a CAC-registered business, or a merchant running a physical or online store, there is an account designed around your needs.

Account 01

Personal

For individuals · Remote onboarding

Open a personal account entirely from your phone. Ideal for individuals who want full access to self-service banking — from everyday transactions to savings, loans, and digital cards.

  • Remote onboarding — no branch visit required
  • Personal profile linked to your account
  • Real-time inter-bank transfers
  • Bill payments — airtime, data, electricity, fees
  • Savings portfolio with flexible terms
  • Digital and physical card issuance
  • Analytical dashboard and bank statements
Open a personal account
Account 03

Merchant

For stores · Physical & online

A dedicated merchant platform for CAC-registered businesses running physical stores, online stores, or both. Accept payments via transfer, POS, and QR codes with full invoicing support.

  • Dedicated merchant app for store management
  • Accept payments via POS, QR code, and transfer
  • Invoicing and payment collection tools
  • Supports online and physical store operations
  • Real-time payment confirmation and tracking
  • CAC registration required for verification
Open a merchant account

All accounts are opened remotely via the Siza mobile app · BVN and NIN required for individual accounts · CAC documents required for company and merchant accounts.

Digital onboarding

From download
to your first
transaction.

Every customer — individual, SME, or merchant — goes through the same streamlined onboarding flow. It is designed to be fast, fully remote, and secure, with duplicate registration checks built in to ensure every account belongs to a valid, verified user.

Download

Download the Siza mobile app and begin the registration process from anywhere in Nigeria — no branch visit needed.

Personal details

Provide your personal information and contact details. For company or merchant accounts, upload your CAC documents at this stage.

BVN & NIN

Submit your Bank Verification Number and National Identification Number for identity validation. Required for all individual accounts.

Biometric verification

Complete a live photo capture and liveness verification. Our system checks for duplicates to ensure every registered user is unique and valid.

Profile creation

Your personal or company profile is created and linked to your account. This profile stores your financial data and drives your analytics dashboard.

Account activation

Your account is activated and ready for use. Fund your account via transfer, cash deposit at any Cash Desk, or through an agent in your area.

Start transacting

Make real-time inter-bank transfers, pay bills, buy airtime and data, and access all payment services immediately through the app.

Access all services

Apply for loans, set up a savings portfolio, request a digital or physical card, and access AI-powered customer support — all from one platform.