# Kredi – Loan, Savings & Bills — user reviews > 67 indexed App Store user reviews of Kredi by KREDI MONEY MICROFINANCE BANK LIMITED, rated 3.00/5 from 120 ratings. - Source: https://appshunter.io/ios/app/kredi-loan-savings-and-bills/id1524201515/reviews - App overview in markdown: https://appshunter.io/ios/app/kredi-loan-savings-and-bills/id1524201515.md - Rating breakdown: 5★ 35 · 4★ 10 · 3★ 13 · 2★ 7 · 1★ 39 ## 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 ## Newest reviews (12 of 67) ### 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 — Scam/Thieves *2025-01-26, version 2.11* These guys are scams/thieves! I funded my account and can’t make transactions. Can’t buy airtime/data and can’t transfer. More like my funds is just in the account and I can’t do nothing about it ### 1/5 — Very bad bank *2025-01-07, version 2.11* I did avtransaction from kredi bank to my PalmPay #11500 and its been almost one week now and they havent done anything abt it ...xistomee service phone number is always busy and their email service is terrible ...no way to contact them..rheybare basically just a graud ..cause a friemd of mine also said they did the same to him #24500 more than a month ..so i will advise u guys not to think of using this fraud bank ### 1/5 — Not satisfied 😡 *2024-11-21* This app is just a waste of money, imaging I want to send 5k just for them to remove 25 naira charges?? Even if u want to send 10 naira they are still going to remove charges gosh ### 1/5 — Scam *2024-10-12, version 2.11* Useless app ### 1/5 — Ole *2024-08-08, version 2.9* This people na thief with no gun ### 1/5 — Worst online bank ever *2024-07-31, version 2.8* Do not try to buy utility bills they will take ur money without giving you a token to recharge in your meter ### 4/5 — Rubbish *2024-06-22* You people are very foolish you did not give loan and you are deducting money in my acct which kind pattern be that Una life wan spoil make Una Dey play ThankGod I don’t save my funds there oleeeeeeeee ### 1/5 — SCAM *2024-01-15, version 2.3* Do not bother trying out the app, they’ll take your full details in pictures and at the end tell you you’re not eligible for any loan, even the account number provided won’t tell you a particular limit which is extremely fishy as every bank account has it’s limits….Don’t make the same mistake I made out of desperation DO NOT DOWNLOAD THIS APP ### 1/5 — Worst app and scam *2024-01-13, version 2.3* Worst app ever , they couldn’t even verify my bvn ### 1/5 — Lock *2023-11-08, version 2.2* Why did you people lock my account with my money into ogun wan kill you people you better release my account now have been calling customer care you are not responding ### 1/5 — Confused 🫤 😤 *2023-10-17, version 2.2* What is happening with my Kredi account, I do not received a loan I applied for either bind in my account and you have debited me from my bank card again! Help ## Most critical reviews (10 lowest-rated) ### 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!!! ### 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 ### 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! ### 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 ### 1/5 — Not too good *2025-05-12, version 2.14* They just collect your info and not give you loan ### 1/5 — Regret *2025-04-02, version 2.14* I regret the day I downloaded this app, I’ve been trying to transfer out my money and it’s showing Error code status 404, since yesterday and there is not customer care to talk to.. ### 1/5 — Upload *2025-02-26, version 2.14* Can’t upload my picture on the app ## Most praised reviews (10 highest-rated) ### 5/5 — AzeloMoney *2026-03-04, version 2.19* AzeloMoney ### 5/5 — Transfer not working *2025-10-17, version 2.17* Can’t make transfer from the app to other banks ### 5/5 — George’s review. *2024-05-12, version 2.5* Wow, kredi bank app is the best, fastest and reliable online banking system so far. Transactions a carried out with seconds and savings is made easy and also the security system is 100 percent reliable. ### 5/5 — Best app *2024-05-08, version 2.5* It's the best App I've ever come across ### 5/5 — Fast and reliable *2024-05-06* It is wonderful to have a bank app that you can rely on for fast and efficient services. I truly believe that you guys are the best among the rest, and I am grateful for the convenience and security that your app provides. ### 5/5 — Nice app indeed and i was soo satisfied *2024-05-06, version 2.5* Thanks ### 5/5 — Bank Review *2024-04-27, version 2.4* "I've been using the Kredi Bank app for a while now, and I must say, it's been a game-changer for me. The app makes it super easy to check my account balance, transfer money between accounts, and even deposit checks remotely. The security features, like fingerprint login and real-time alerts, give me peace of mind. One feature I love is the budgeting tool that helps me track my spending. Overall, the kredi Bank app has simplified my banking experience and I highly recommend it to anyone looking for a reliable and user-friendly banking app." ### 5/5 — So trustworthy and reliable *2024-04-16* Love their services so much You would really loved to partner with them trust me ### 5/5 — Kredi *2023-10-02, version 2.2* 1, this is the best app I never see 2, good and easy to use 3, their are the fastest transfer 4, you can also take a load on the application 5, the application is great ### 5/5 — Easy and reliable *2023-05-30, version 1.6* The app is good and reliable easy to get loan and savings --- *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.*