Banking for businesses shaping tomorrow
Some of our members
Infrastructure for real-world growth
Smart, structured financial products - not just features. Designed for businesses that move money, manage teams, and scale.
Credit
At Prospa, credit is personal. Get tailored access to capital starting from ₦10,000,000 and scale over time – backed by real relationships, not just algorithms.
Business account & Payments
Expense cards
Issue Prospa cards to team members and track company spend in real time – online and offline – with complete visibility and controls.
Spend Management
Total control over business spending
Take full control of spending with, limits, approvals, sub-accounts, team collaboration vendor and employee management.
Banking License
CBN licensed. NDIC insured. 100% trusted
Prospa is licensed by the Central Bank of Nigeria and your deposits are insured by the NDIC - giving your business the trust, security, and regulatory strength it deserves.
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Frequently Asked Questions
Find answers to our most frequently asked questions. Can’t find the answer you're looking for? Email our support team help@getprospa.com
With Prospa, you're not just opening a bank account, you're getting a real financial partner. You build your business credit automatically, just by using your account. Every transaction adds to your credibility and makes it easier to qualify for serious business loans, starting from ₦10 million.
When it's time to grow, we don't just hand you a cold application form. We sit down with you, look at your activity, and have a real conversation about what your business needs. That’s because we believe banking should work with you, not against you.
You'll also save on transfer fees, keep your business finances separate and professional, and get a current account in your business name — which adds trust when working with partners, clients, and suppliers.
Beyond the basics, you get tools to manage your operations: from payroll and payments to expense cards and multi-business dashboards. And if anything goes wrong or you need help, you're not speaking to a chatbot. You're talking to someone who understands business.
With Prospa, your account does more than hold money. It helps you run better, grow faster, and get the financial backing to scale.
Prospa is built for structured, high-performing African businesses. If you're running payroll, managing multiple accounts or moving significant volumes, Prospa is made for you.
Yes. Prospa is licensed by the Central Bank of Nigeria and your deposits are insured by the NDIC. Your business is backed by strong regulatory and financial protections.
You can open your business account in a few minutes. Everything happens online — no paperwork or physical visits required.
Prospa combines fast, digital banking with real relationship support. You get the tools to run your business, plus access to a team that understands how you work.
Yes. Most of our clients use Prospa as their primary account. You can send and receive payments, run payroll, manage expenses and apply for credit all in one place.
Prospa offers credit starting from a minimum of ₦10 million. It’s relationship-led, not just application-based. We look at your structure, activity and growth goals to support you properly.
Yes. You can run multiple registered businesses, accounts and teams all from one dashboard. Everything is built with operators in mind.
We don’t operate traditional bank branches. However, we have dedicated support centres in select regions where clients can get in-person assistance. These locations will be shared with eligible clients based on availability.
You can issue physical or virtual cards to team members, assign spending limits and track usage in real time. It’s built for visibility and control.
Yes. If your business meets the necessary regulatory requirements and jurisdictional guidelines, you can send and receive international payments securely with Prospa.
Yes. Prospa is fully licensed by The Central Bank of Nigeria (CBN) and all deposits are insured by the National Deposit Insurance Corporation (NDIC). This licensing means that Prospa operates under Nigerian banking regulations and ensures that deposits are protected up to the standard NDIC limit.
You can get a business loan from Prospa in as little as two weeks, once your account is verified and your documents are complete. The application process is completely digital. SImply log in to your app and apply under the ‘Loans’ section, and track your approval status in real time.
Yes, you can use Prospa from outside Nigeria, as long as you registered and verified your business account while in Nigeria. Once your account is active, you can access the app, make transfers, and manage your finances from anywhere in the world.