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Carbon: Mobile Banking & Loans

Carbon: Mobile Banking & Loans

Save Money|Transfers| Loans

10K ratings
263 reviews
💼 Business
💰 Finance
Free

Details

  • Released
  • Updated
  • February 6, 2020
  • August 5, 2026

Features

Developer

Carbon Finance and Investments Limited
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Carbon: Mobile Banking & Loans screenshot #7 for iPhone
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About

Manage your finances with a digital bank offering easy money management, high-interest savings, accessible loans, and a buy now, pay later option. Enjoy secure banking with real-time alerts and a customizable debit card.

✓High-interest savings accounts
✓Accessible instant loans
✓Buy Now, Pay Later (0% interest)
✓Customizable debit card controls
✓Real-time transaction alerts
✓Secure, NDIC-insured deposits
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What users say

Summarized from real user reviews of Carbon. Based on 10K reviews and a 4.5/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Fast and reliable
  • 💡Great mobile banking app
  • 👍Awesome features
  • 🤟Best loan app
  • 🤑Affordable interest rates

Negative things

  • 🐛Frequent app crashes
  • 🤯Poor customer service
  • 💸High interest rates
  • 🔒Security and account access issues
  • 🤖Unreliable app performance
See all reviews
+1

What's New in Carbon

5.2.3

August 5, 2026

Get: Smoother transfers, clearer error messages, and no more hassle when you reinstall the app. Improvements: Multiple Transfer remarks, duplicate beneficiary handling, device recognition on reinstall, plus general stability enhancements. Ready to bank safer? Update now for a more secure and seamless experience! Thanks for choosing Carbon MFB!

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User reviews

Most RecentHighest RatedLowest Rated

Thanks

Thanks for the loan means a lot
DaskfsDaskfs

Failed sign in

Well after a while without using the app I decided to log back in which it did successfully only to log me back out and I keep putting in the right details, it keeps telling me wrong pin now to try to set another it’s requesting for a DOB which I also inputted correctly but it keeps telling me it’s wrong now I have to wait again for another 4 awkward hours before trying this again which might not still come out right. How do I proceed????
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ANO1532ANO1532

Transfer can’t be made since the day you ppl gave me loan

Transfer can’t be made since the day you ppl gave me loan
romzy empireromzy empire

Amazing

Amazing
Maverick WyattMaverick Wyatt

A very bad and ridiculous loan app😡😡

This app is a Scam . It’ll not be better for them . They’ll not be successful in whatever they do in life . Their will always be miserable . And GOD will never give peace of mind…..They’re SCAM…………
Angel ThemariaAngel Themaria
See 258 more reviews

Developer apps

Carbon: A.I Business Banking
Carbon: A.I Business Banking

Banking & Financial Management

💰 Finance

(52)

Free
See developer apps

User experience

🐞

Reported Bugs

5 issues

Transactions not reflecting in account

Bug

Inability to update personal information

Bug

Loan application process issues

Bug

Frequent app freezes and crashes

Bug

Problems with card linking and usage

Bug
✨

Requested Features

5 requests

Flexible loan repayment options

Feature

Improved customer support channels

Feature

Increase loan limits for loyal users

Feature

Streamlined account management features

Feature

Integration with other financial services

Feature

FAQ

What does the Carbon app do?

Carbon is a digital bank that provides comprehensive financial management tools. It allows users to save money with high interest rates, access instant loans without collateral, and utilize a buy now, pay later service with 0% interest. The app also offers a customizable debit card and secure banking services.

What are the key features of Carbon?

Key features include high-yield savings accounts offering up to 20% interest per annum, instant loans ranging from ₦10,000 to ₦1,000,000 with flexible repayment terms, and Carbon Zero for buy now, pay later purchases at 0% monthly interest. Users also benefit from a customizable debit card, real-time transaction alerts, and secure, NDIC-insured deposits.

How much does Carbon cost?

The app itself is free to download and use, operating on a free with in-app purchases model. While there are no hidden fees for banking transactions, loan products have specific interest rates and potential late fees. For example, a loan of ₦1,000,000 for 12 months at 4.5% monthly interest has a total payable of ₦1,540,000 with an APR of 54%.

Is Carbon available on all devices?

The provided description does not explicitly state compatibility with specific operating systems (iOS or Android). However, as a mobile banking application, it is designed to be used on smartphones and tablets, implying availability on common mobile platforms.

What are common use cases for the Carbon app?

Common use cases include managing daily spending and payments, saving money with competitive interest rates, quickly accessing funds through instant loans for personal needs or emergencies, and making purchases with the buy now, pay later option. Users can also control their debit card spending and receive instant notifications for all transactions.