# Kredi – Loan, Savings & Bills — Save, pay bills, & get loan

> Nigerian all-in-one finance app for loans, savings, bill payments, and transfers. (iPhone/iPad app by KREDI MONEY MICROFINANCE BANK LIMITED.)

- Source: https://appshunter.io/ios/app/kredi-loan-savings-and-bills/id1524201515 (this page in markdown: same URL + `.md`)
- Developer: [KREDI MONEY MICROFINANCE BANK LIMITED](https://appshunter.io/developer/1524201847)
- Category: Finance
- Price: Free
- Rating: 3.00/5 from 120 App Store ratings · 67 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 46 MB
- Languages: English
- Released: 2020-09-04
- Data updated: 2026-08-23
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/kredi-loan-savings-and-bills/id1524201515/reviews.md

## What is Kredi?

Take full control of your money with Kredi – Nigeria’s all-in-one finance app. From instant loans to automated savings and bill payments, Kredi makes managing your finances simple and secure.


Key Features:


•	Transfers: Fast intrabank & interbank transfers.


•	Receive Payments: Accept funds from all Nigerian banks, MFBs, and PTSP banks.


•	Bill Payments & Airtime: Pay cable TV, utilities, betting services, and recharge airtime/data seamlessly.


•	Insurance: Protect your phone, POS device, and health with simple insurance options.


•	Kredi Mastercard: Request, activate, block, or unblock cards directly in the app.


•	Savings Products:
a. Kredi Vault: Earn up to 23% interest, ₦5,000 minimum, 3-month duration.
b. Kredi Safelock: 18% interest, ₦1,000 minimum, 30+ day duration, auto recurring deposits.
c. Target Savings: 18% interest, flexible savings, ₦1,000 minimum.
d. Kiddyvest: 15% interest, designed for kids, ₦100 minimum.

•	Loans: Nano Loans up to ₦50,000 for office workers. Repayment via linked card or Kredi account.

## Key features

- Instant loans up to ₦50,000
- Automated savings with up to 23% interest
- Bill payments (cable TV, utilities, betting)
- Fast intrabank & interbank transfers
- Receive payments from all Nigerian banks
- Kredi Mastercard management
- Device and health insurance options

## What do users think of Kredi?

Overall sentiment: mixed

**Pros**

- 🚀 Fast and reliable services
- 👍 User-friendly interface
- 💡 Easy to use
- ✅ Nice banking platform
- 🌟 Best app encountered
- 💯 Security is 100% reliable
- 💰 Easy savings
- 💳 Quick loans with low charges
- ✉️ Prompt customer service
- ⚡ Fast transactions
- 📲 Intuitive application
- 🛍️ Immediate airtime/data delivery
- 🏦 Easy account opening
- 💳 Smooth and fast transfers
- ✨ Remarkable app
- 😊 Wonderful and reliable

**Cons**

- ❌ Invalid account errors
- 📉 Loan eligibility issues
- 🚫 No customer care response
- ⚠️ Error code status 404
- 📷 Cannot upload pictures
- 💸 High charges for transfers
- 💰 Money deducted without service
- ❌ Account locked with funds
- 💳 Debited without receiving loan
- ❌ Ineligible for further loans
- 🚫 Cannot delete account/cards
- ❌ Failed transactions
- ❓ Referral code required for signup
- 🚫 Not eligible for services
- 📉 Poor customer care
- 💳 Cannot withdraw money
- 🚫 No refund for failed transactions
- 🏦 Funds debited but not credited
- ❌ Issues signing up

**Commonly reported bugs**

- Invalid account errors during money transfer
- Error code status 404 during transfers
- Cannot upload pictures on the app
- Account locked with user's money
- Debited from bank card without receiving loan
- Ineligible for further loans after initial repayment
- Cannot delete account or attached cards
- Failed transactions (airtime, data, transfers)
- Money deducted without receiving token for utility bills
- Funds debited but not credited to the account
- Cannot withdraw money from wallet due to insufficient funds error
- Issues signing up due to referral code requirement
- Not eligible for services
- BVN verification failure

**Most requested features**

- Ability to delete account and attached cards
- Improved customer service responsiveness
- Fix for invalid account errors
- Resolution for transfer issues
- Fix for upload picture functionality
- Clarification on loan eligibility criteria
- Option to remove referral code requirement for signup
- Fix for money deducted without service delivery

## Recent user reviews (10 of 67)

All indexed reviews: https://appshunter.io/ios/app/kredi-loan-savings-and-bills/id1524201515/reviews.md

### 1/5 — Scammers

*2026-08-05, version 2.24*

Scammers!!! This people just want to collect your details and after collecting your BVN , they will tell you to upload a profile picture which when you try uploading the won’t approve it and they will keep telling you to upload a liveliness check for a profile picture 
Please don’t download this app 
Scammers!!!

### 2/5 — Can’t even sign in successfully

*2026-07-23, version 2.24*

Liveness check not working, I put my face in the camera in a very bright area and it’s not even scanning while smiling

### 1/5 — God would punish the founder of this deceiving app

*2026-07-07, version 2.24*

This app is fake just wasted my data for nothing I needed urgent money and they are telling me to save up for about 2month before I can be granted a loan after giving them the necessary relevant details

### 5/5 — AzeloMoney

*2026-03-04, version 2.19*

AzeloMoney

### 1/5 — Complaint

*2026-01-15, version 2.19*

I have been trying to send money lately 
But it keep saying invalid account 

Pls find something to do about this

### 1/5 — Scam zone

*2025-12-24, version 2.19*

Scam zone

### 1/5 — Scammer’s Alert

*2025-11-19, version 2.17*

Run for your life!
They took my money and never delivered my card, they are scammers and their customer services stopped replying to me!

### 5/5 — Transfer not working

*2025-10-17, version 2.17*

Can’t make transfer from the app to other banks

### 1/5 — I need loan

*2025-07-09, version 2.14*

Why asking me official Email

### 1/5 — Scammer

*2025-05-28, version 2.14*

This is the worse savings bank I have ever seen stupid people collect every details and cant login it in

## Frequently asked questions about Kredi

### What does the Kredi app do?

Kredi is an all-in-one finance app designed for users in Nigeria. It allows you to take out instant loans, set up automated savings plans with competitive interest rates, and pay various bills such as cable TV, utilities, and betting services. It also facilitates money transfers and receiving payments.

### What are the key features of Kredi?

Key features include nano loans up to ₦50,000, multiple savings products like Kredi Vault (up to 23% interest) and Kredi Safelock (18% interest), fast intrabank and interbank transfers, seamless bill payments, airtime top-ups, and the ability to manage your Kredi Mastercard. It also offers insurance options for phones, POS devices, and health.

### Is Kredi free to use?

Based on the provided information, the Kredi app is free to download and use. There are no mentions of subscription fees, paid features, or in-app purchases. Monetization, if any, is not detailed in the description.

### Who is the target audience for Kredi?

The app is primarily targeted at individuals in Nigeria who want to manage their finances more effectively. This includes those seeking quick loans, looking to save money with interest, or needing a convenient way to pay bills and transfer funds.

### How can I save money with Kredi?

Kredi offers several savings products with attractive interest rates. You can use Kredi Vault to earn up to 23% interest with a 3-month duration, Kredi Safelock for 18% interest with flexible durations, Target Savings for flexible saving goals at 18% interest, and Kiddyvest for children's savings at 15% interest.

## Version history (last 5 releases)

### 2.24 — 2026-04-24

Improved app performance and stability

### 2.20 — 2026-03-20

Improved app performance and stability

### 2.19 — 2025-12-19

Improved app performance and stability

### 2.18 — 2025-11-21

What's new:
- General performance improvements and bug fixes to enhance the overall user experience.

Update now to enjoy a better Kredibank experience!

### 2.17 — 2025-10-14

What's new:
- General performance improvements and bug fixes to enhance the overall user experience.

Update now to enjoy a better Kredibank experience!

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## More apps by KREDI MONEY MICROFINANCE BANK LIMITED

- [Kredi Bizpay - Merchant POS](https://appshunter.io/ios/app/kredi-bizpay-merchant-pos/id6466744076)
- [Kredi Agency Banking](https://appshunter.io/ios/app/kredi-agency-banking/id6469105440)

All apps by KREDI MONEY MICROFINANCE BANK LIMITED: https://appshunter.io/developer/1524201847

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*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 2026-08-23.*