Open in minutes
Phone, BVN or NIN, selfie where required, your own PIN. Most eligible people finish in under five minutes — no branch visit.
At launch
Sage Personal
Your money, with a plan.
An everyday account that gets your salary, pays your bills and quietly helps you reach the goals that matter — rent, school fees, a deposit, a rainy day.
Features
Simple on the surface. Careful underneath.
Send and receive
Move money between your accounts, to other Sage customers and to other banks, with the beneficiary name and any fee shown before you confirm.
At launchPay bills in-app
Electricity, airtime, data and more, starting with the billers people use most. Every payment has a receipt and a clear dispute route.
At launchFlexible & Target Save
Instant-access saving, or a goal with a date and planned contributions. Withdrawal treatment is disclosed before you fund.
After launchCards you control
Virtual cards for online spend, with freeze and unfreeze in a tap. Physical cards follow later.
After launchSalary-linked advance
A capped, carefully underwritten advance for eligible customers as your relationship with Sage develops.
PilotBanking on USSD
No data? No problem. Check balances, send money and pay bills from any phone with a short code — the same Sage account, without the app.
PlannedDirect debit, on your terms
Set up recurring payments such as savings top-ups or bills, with each mandate visible and cancellable by you.
PlannedScan to pay
Pay merchants by scanning a QR code with the Sage app, with the amount and merchant shown before you confirm.
Planned
Banking that grows with you
Start small. Unlock more.
Sage uses tiered access. Verify more, use your account, and your limits and eligible products expand. It's how we keep the account safe without making you jump through hoops on day one.
- Always know your status. A clear checklist of what's done, what's left and what you can do today.
- Your history helps, never replaces KYC. Good habits can open doors; mandatory checks stay mandatory.
- No surprise charges. If it isn't in the published terms, we can't charge it.
Account statusTier 1 active
Phone number verifiedDone
BVN / NIN matchedDone
Transaction PIN setDone
Add proof of addressTo unlock higher limits
Illustrative. Actual tiers, limits and requirements will be published before launch.
About investing. Where Sage offers investment products, they're created and managed by licensed partners. We show you the provider, risks, fees, valuation and settlement terms. We don't give investment advice, rank products or project returns.
Be first through the door.
Join early access and we'll tell you the moment Sage opens in Abuja — plus first look at the app. No spam, and no commitment to open an account.