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Carbon: Mobile Banking & Loans

Carbon: Mobile Banking & Loans

Save Money|Transfers| Loans

10K ratings
279 reviews
💼 Business
💰 Finance
Free

Details

Released
February 6, 2020
Updated
October 7, 2026

Features

Background Location Access

Developer

Carbon Finance and Investments Limited
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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 about Carbon

Reviews of Carbon are mixed: the Finance app is rated 4.5/5 from 10K App Store ratings. What users like most: fast and reliable, great mobile banking app. Top complaints: frequent app crashes, poor customer service. Summarized from real user reviews.

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

What's New in Carbon

5.3.4

October 7, 2026

Bug Fixes

User reviews

Most RecentHighest RatedLowest Rated

I forget my login pin and also my security questions too

Dear Carbon Support Team,

I am unable to access my Carbon account because I have forgotten the answers to my security questions. I would appreciate your assistance in verifying my identity and restoring access to my account.

I can provide the necessary information through your official verification process. Please let me know the steps I need to follow to recover my account.

Thank you for your assistance.

Kind regards
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PCPrince Godswill Chikwudi

Mumu app

Yh
UAUna no good at all

Fraud

Should have gave it no stars but I have to rate it in order to post this
Delete my account with your useless app… You took money from me and didnt grant my loan request and you still won’t let me delete my account with you? I report to the right authorities snd have your app banned from all platforms dont be unfortunate
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DD.angel0

They are user pls be careful

Carbon will stylishly use you. I got loan of about 300k last years to pay for 9months and I paid it back with huge interest, I even made twice payments in a month at times. Now to get another loan after my payment is completed they can only offer to give me from 10k so they want me to pay more interest from the beginning again till I can get mush lol. Be careful of them they are like the rest but their tactics is just different a little. They won’t let you see reviews like this I bet it. I wish there could be another rating lesser than 1
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OOkkdbdbdkn

H

This bank is a scam
MMeme@oo
See 274 more reviews

Developer apps

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

Banking & Financial Management

💰 Finance

(50)

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.