Banking Without Walls Security Without Compromise
We built Kobo Vault to bring financial freedom closer to everyone. With advanced money transfer options, automated payments, and smart virtual cards, you can transact safely and confidently.
Total Control Over Your Money
Kobo Vault puts your entire financial world in one place — simple, fast, and transparent.
Instant Transfers
Send and receive money within seconds, whether locally or across borders.
Instant Transfers
Send and receive money within seconds, whether locally or across borders.
Security You Can Trust
Every transaction on Kobo Vault is protected with the highest standards of security, giving you peace of mind.
Virtual Cards
Shop and subscribe online safely without exposing your main account details.
Bank-Grade Encryption
Advanced protection ensures your money and data are always secure.
Built for Everyday Life in Africa
Whether you’re paying bills, running a business, or sending money to family, Kobo Vault works seamlessly for real people and real needs.
Offline Access
Use USSD and agent networks even without internet or a smartphone.
Inclusive Finance
Designed for both banked and unbanked users, ensuring no one is left behind.
Don’t Take Our Word For It
Our users share their experiences from across Africa, real stories of convenience, speed, and connection that make life simpler.
Samuel E.
Lagos Business Owner
Adaobi O
Freelance Designer, Abuja
More Benefits From Kobo Vault
Discover the advantages of managing your finances in one secure place.
Instant Money Transfers
Send and receive money in seconds without the long delays or high fees of traditional banking.
Secure Virtual Cards
Enjoy safer online shopping and subscriptions with instantly generated virtual cards. Protect your main account from fraud while making global payments with ease.
Pay Bills with Ease
No more juggling multiple apps or standing in long queues. Kobo Vault lets you recharge airtime, pay for electricity, water, internet, and more, all from one place.
Shop, Subscribe, and Pay Without a Physical Card
Create secure virtual cards instantly for online shopping, subscriptions, and international payments, all from your Kobo Vault.
From rides and deliveries to food, services, and healthcare powered by Kobo Vault’s seamless and inclusive digital finance tools
