# Carbon: Mobile Banking & Loans — user reviews > 269 indexed App Store user reviews of Carbon by Carbon Finance and Investments Limited, rated 4.50/5 from 10,188 ratings. - Source: https://appshunter.io/ios/app/carbon-mobile-banking-and-loans/id1494856668/reviews - App overview in markdown: https://appshunter.io/ios/app/carbon-mobile-banking-and-loans/id1494856668.md - Rating breakdown: 5★ 8,109 · 4★ 621 · 3★ 374 · 2★ 271 · 1★ 813 ## What do users think of Carbon? Overall sentiment: neutral **Pros** - 🚀 Fast and reliable - 💡 Great mobile banking app - 👍 Awesome features - 🤟 Best loan app - 🤑 Affordable interest rates **Cons** - 🐛 Frequent app crashes - 🤯 Poor customer service - 💸 High interest rates - 🔒 Security and account access issues - 🤖 Unreliable app performance **Commonly reported bugs** - Transactions not reflecting in account - Inability to update personal information - Loan application process issues - Frequent app freezes and crashes - Problems with card linking and usage **Most requested features** - Flexible loan repayment options - Improved customer support channels - Increase loan limits for loyal users - Streamlined account management features - Integration with other financial services ## Newest reviews (12 of 269) ### 4/5 — Account login back *2026-08-22, version 5.3.0* Please I just created my account now and after I put all my details then they log me out after everything was successfully and I try to login back but they said incorrectly password which is correct please do something ### 3/5 — Before, 5 Stars Is not enough. Now, 3 stars feels too much *2026-07-10, version 5.2.0* Previously I gave them 5 stars and called them “The Best.” But now, I’ll have to reduce the number of stars and advice anyone who cares to know. Whatever you do, don’t join the Carbon circle. It’s a scam. It only benefit carbon, but not you the customer. Normal banks “locked savings” would earn you some interest. Carbon circle is no different from “locked savings,” except this time you’ll lose money paying fees, instead of earning interest. And you’ll most likely be the last person to collect. Which means you’ll only get paid at the end of the circle. If you want to lock your savings for 6 months or 12 months, then do that and earn interest. But don’t join carbon circle that lock up your money, while you pay fees every single months until they decide to give you your money back. It’s better to save on your own, or join a normal proper circle from another platform. A word is enough for the wise. ### 1/5 — Carbon na thief no bank with them *2026-06-16, version 5.1.0* They will seize your money and make you suffer for your money with no means to access your money even if you are dying the worst bank ever they are thief’s stop banking with them ### 1/5 — Thief *2026-06-04, version 5.0.0* Y’all are thief ### 3/5 — Registration issue *2026-05-22, version 5.0.0* I just downloaded the app not quite long,and they asked for all details I gave them but they said I should take a selfie and ℹ agreed but whenever I want to take a selfie it won’t show my face it would be blank. ### 1/5 — Useless *2026-05-21, version 5.0.0* It’s is pointless to join your bank. . Please close my account. Thank you ### 2/5 — TERRIBLE APP *2026-05-19, version 5.0.0* I’m a top tier user of this app and I gotta say it used to be great but not anymore, there’s always a delay of some sort, it glitches too, they also now change almost 100naira for 10k transactions which is supposed to be 50naira. Saying goodbye after years of using it ### 1/5 — Very bad app. *2026-05-17, version 5.0.0* Can’t access loan. It keep saying my application fee can’t be charged. I’m deleting the app now. ### 1/5 — Address *2026-05-09, version 5.0.0* My address is not accepted ### 1/5 — Bad *2026-04-28, version 5.0.0* Stressful ### 1/5 — Loan declined *2026-04-19, version 5.0.0* Why are you guys collecting my 500 naira but refusing to give me the loan, this is fraud. You don’t grant loans, you steal our money. I have deposited 500 naira 3 times but you still won’t give me the loan ### 1/5 — Stupid app *2026-04-15, version 4.1.1* God punish you as you deduct my money without you granting the loan ….bad app You Dey generate 500 from every customer without giving them anything in return when it’s not betting app ## Most critical reviews (10 lowest-rated) ### 1/5 — The worst *2026-08-15, version 5.2.5* The worst customer service ever run for your lives very slow not a reliable app ### 1/5 — You withdrawal my money without giving me loan *2026-08-14, version 5.2.5* That’s bad ### 1/5 — Scammers *2026-08-06, version 5.2.3* Don’t download if you don’t wanna be at loss ### 1/5 — Failed sign in *2026-07-30, version 5.2.0* 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???? ### 1/5 — Transfer can’t be made since the day you ppl gave me loan *2026-07-30, version 5.2.0* Transfer can’t be made since the day you ppl gave me loan ### 1/5 — A very bad and ridiculous loan app😡😡 *2026-07-28, version 5.2.0* 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………… ### 1/5 — Priceless *2026-07-18, version 5.2.0* They keep scamming you 500 naira without giving you any loan ### 1/5 — Try fixing your app *2026-07-10, version 5.2.0* This app is actually trash,It keeps saying my nin records don’t match their records and they didn’t even all me correct it ### 1/5 — Loan application fee *2026-07-07, version 5.1.3* Legitimate digital lenders generally do not require you to send an application fee before disbursing the loan. If this app is legit why would I pay a fee before accessing loan? I think you all are AI for saying this app works Good ### 1/5 — Rubbish le n shey *2026-06-25, version 5.1.1* E no go better for una as una no gimme loan again ## Most praised reviews (10 highest-rated) ### 5/5 — Big Mendy *2026-08-12, version 5.2.4* Big Mendy ### 5/5 — Problem *2026-08-07, version 5.2.3* What’s your social media handle ### 5/5 — Thanks *2026-08-03, version 5.2.2* Thanks for the loan means a lot ### 5/5 — Amazing *2026-07-29, version 5.2.0* Amazing ### 5/5 — Transaction and other options *2026-07-17, version 5.2.0* They’re fast and reliable i love carbon ### 5/5 — Ajo *2026-06-07, version 5.0.0* I don’t understand what’s going on with carbon I started ajo last year and I saved up to 2 times and I couldn’t continue the ajo due to some financial issues I had last year, so I try to cancel the ajo and get my money back but I couldn’t and in some period of time I couldn’t login into my account anymore, I really don’t like this you guys should refund my money… In the rules for the ajo refund of money was allow if the customer hasn’t take any ajo or it hasn’t reach his/her turn ### 5/5 — Forget pin issue *2026-05-01, version 5.0.0* I don’t know the problem about you carbon,I try to reset my pin and it keep telling me that I should try again in next 30 minutes and this come up everyday I don’t really understand and I have money in my account I hope this not what I’m thinking ### 5/5 — My circle *2026-04-13, version 4.1.1* I have written several messages to your support team since on Friday I have not seen any response from them,how will I be drawn since on the 7 till now I have not seen payment,what kind of thing is that,and you kept quiet to all my mails like is that no incompetence ### 5/5 — Great experience *2026-03-10, version 4.1.0* It was a great experience ### 5/5 — Awesome *2026-03-01, version 4.1.0* I needed a quick loan and carbon came to my rescue….Awesome app --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*