Beyond your traditional bank, MyCashier is your digital financial service provider! We believe easy access to affordable loans and reliable & investments @ your convenience is a Fundamental Human Right!

Whether it’s a Loan, Savings or Investment, MyCashier empowers you to be financially smart, better manage & grow your own finances at your convenience all in one place at the most competitive interest rate. With MyCashier, you have control over how much you save and compound your earnings daily while also enjoying access to easy and affordable loans and overdraft..

The added advantage of a MyCashier account is that you can pay everyday bills like utility, airtime, data, DSTV subscriptions,transfers and more, and track your expenses as you do.

To save on MyCashier,

• Sign up on the website, or download the MyCashier App from your Google Play or Apple Store to create an account.
• Register and set up your withdrawal account details where your funds will be sent to when you choose to withdraw.
• Set up your transaction PIN
• Provide your debit card (any card from any Nigerian bank)/account details to activate your account, then make your first deposit.
• Select the savings plan that best suits your needs and begin to save at your preferred pace.

MyCashier empowers you to be financially smart, better manage & grow your own finances at your convenience all in one place. This is the app for individuals that seek to:

• Set, monitor, and achieve financial goals.
• Save and invest any amount frequently with ease.
• Access loans on the go
• Secure savings and investments till they mature without liquidating prematurely.
• Have access to easily understandable financial tools that aid financial planning.
• Exercise full control over your financial freedom in one single place

MyCashier is not a traditional bank but a digital financial innovative company , so we do not have the high costs associated with running multiple bank branches OR hire a lot of staff to manage operations. Also, a proportion of funds are invested in high yielding short & medium term low risk bonds, credit instruments and alternative investments.

Saved funds are warehoused with FBN Quest, the leading asset management company in Nigeria, registered and licensed by the Securities and Exchange Commission (SEC) which is extremely safe and guaranteed.

That is a big NO! it's completely FREE and there are no extra charges when you transfer to other users on MyCashier App. Instead, what you enjoy are market leading rates that will certainly make you happy.

Yes, we are in partnership with Flutter wave, Paystack, Remita, Wallz&Queen, OkHI, UP(Pay attitude), Old Mutual Insurance, CRC Credit Bureau.

Absolute Yes! MyCashier is a digital financial service provided by Fast Point Integrated Limited (RC: 1196779); a licensed lending company and its Multipurpose Cooperative (The Point Multipurpose Cooperative Society Limited:15889). We also collaborate with a Security and Exchange Commission (SEC) licensed entity; FBN Quest.

The MyCashier platform is secured with an SSL certificate, a digital certificate that provides authentication for a website and enables an encrypted connection for data protection.

All financial information is encrypted and stored to PCIDSS Level 1 compliant standards. PCIDSS Level 1 compliance is a set of rules stated by credit card companies and audited by an independent third party. It is the highest possible rating one can get in the electronic payment processing industry. Additionally, all transmission to our banking partner and on our site is via an encrypted 256-bit HTTPS SSL connection.

Yes! Our business office is located at No 41 Adelabu Street, Surulere Lagos. We can be contacted via telephone on +2348182083562 or +23409011227883 and e-mail at hello@mycahierlife.com.

Your security is our major priority, so we work with a PCIDSS-compliant payment processor, to handle your card details. MyCashier does not store personal card information. We have partnered and integrated with 3rd party payment solutions such as Paystack, Flutterwave, REMITA, and others licensed by the Central Bank of Nigeria (CBN) to process payments and collections. Your card details are extremely safe and are warehoused where they can never be compromised.

We have been providing financial services to Nigerians since 2014. MyCashier is the digital identity and fully owned by Fast Point Integrated Limited, a company registered with the Corporate Affairs Commission (RC: 1196779) and licensed as a lending company. We are also a registered cooperative- The Point Multipurpose Cooperative Society Limited (Registration number, 15889).

We have partnered with FBN Quest, the leading asset management company in Nigeria, registered and licensed by the Securities and Exchange Commission (SEC) which is extremely safe and guaranteed.

This is very important for any of your change/update request on the MyCashier app. So we advice you to use a question and answer you cannot easily forget and something unique to you alone.

Once you set it, you will not be able to access it again. Your answer must to known by heart. This is to protect you from identity theft and unauthorized access.

Not to worry. Email us @ hello@mycahierlife.com from your verified email on MyCashier app and we will walk on how to reset your security question and answer

There is no limit to the amount that can be saved and invested in MyCashier. While you can save as low as N1000 or as high as N1,000,000 at a time, depending on the account type and your financial capacity, you can continue to build on your savings as you like.

What ever goal you want to save for, no matter the number, MyCashier allows you the opportunity to have multiple savings plans.

Yes you can pause your automatic savings at any time, and continue whenever you please. All you need to do is to login to your account, click on your savings and select the turnoff Autosave option

From the first day you make your deposit, your savings begin to earn returns based on the terms and conditions of the plan you are subscribing to.

Yes, you can liquidate specific savings at any time. However, specific plans attract a penalty if you liquidate before maturity. Kindly go through every plan's features or reach out to us for more information if you are in doubt. Funds locked in vault cannot be terminated before maturity.

MyCashier is not a traditional bank, so we do not have the high costs associated with running multiple bank branches OR hire a lot of staff to manage operations. We have a diversified portfolio that enable us to achieve higher and sustainable returns for our stakeholders and clients.

No, everything is done automatically once you have set up your Autosave except you want to top up your savings using the Quicksave option. To keep track, all transactions on your debit card/bank account will be visible on your dashboard. We will also send an email notification to you every single time you save with your card, and your bank will send you an alert as well. It's 100% secure.

We WON'T force any debit on your account if you missed any day, week or month and we WON'T charge you either. The system will make attempts honour your direct debit instruction as long as there is funds in your linked card/account. The Quicksave option is always available for you to manually make up for any lost day, week or month.

Yes, you can increase the amount you're saving at anytime. Simply login and slide on the Autosave button , then edit the amount, your preferred frequency to either daily, weekly or monthly and your funding source. Also you can top up or add to your savings at any time using Quicksave .

This option basically enables you to add more funds to your savings manually. For example, if you set N2,000 daily and you miss a day or two, you can use the Quicksave option to deposit N2,000 or N4,000 at once. This is to ensure you meet up with your savings target.You can add up to N1,000,000 at once with this option. However, you can add this multiple times in a single day.

All of the MyCashier savings and investment options are uniquely tailored towards a specific need.

If you'd like to earn interest (up to 9%p.a) on loose funds then the RegSave is right for you. You can set the Autosave to move money from your wallet/card/bank to RegSave automatically to earn interest on your money. This offers you flexibility and you can withdraw at anytime without restrictions.

If you're saving towards a particular goal such as children school fess, rent or travel, MyGoals (Target Savings) is a great option. It offers a daily compounding Interest of up 17% Per annum. It helps you save consistently towards a particular financial goal and earn more money while at it.

If you're looking for something geared towards the long term and immediate/upfront returns, the Vault is perfect for you. With higher interest rates up to 10%-25% per annum, you could lock away funds you don't need access to and make even more money by doing so.

If you'd like to regularly put away money for your savings and withdraw only once a quarter, then the CoopSave is right for you. You can set it so that money is taken from your account and you don't have to worry about saving manually. Earn up to 15% daily compounding interest p.a and withdraw freely once a quarter.

If you are looking to save as a group towards a target, MyClique is perfect way to challenge your friends and colleagues to save while you earn 15% daily compounding interest per annum . It helps you achieve your goals in no time.

AjoCircle is another cooperative savings option just like your traditional “Ajo (Thrift)” or “Esusu”. You can create an Ajo circle with family, friends and colleagues. Its a savings rotation plan and each member contributes based on the payment frequency of the Ajo Circle and each person picks up the contributed sum as agreed when its their turn.

If you're looking to get started on Investments or diversify your portfolio, then low-risk high yield investment opportunities with our Platinum Max Fund (PMF) and Conservative Fund(CF) are regularly available investment options to help you grow your money and earn up to 25% per annum.

RegSave is a flexible savings account that allows you to earn interest on loose funds no matter the amount or the length of time you wish to save. RegSave is just like your regular savings account and you can earn interest of up to 9% per annum on your savings.

What’s more is that with RegSave, you can freely withdraw your funds anytime without restrictions.

To create a RegSave plan, follow the steps below

- Log in to your dashboard, click on Savings,’ select ‘RegSave and click ON Quick Save

- Follow through with the required steps to fund your account with your desired amount.

CoopSave is one of our cooperative savings options tailored to individuals who wish to develop a healthy savings culture. With CoopSave, you build your pool of funds and exercise yourself in the discipline. You can set your savings frequency to daily, weekly, or monthly and the preferred amount you indicate will be debited automatically from the debit card/nominated account. Also you can easily top up your CoopSave at anytime manually.

The best thing about CoopSave is that you earn a daily compounding interest rate of up to 15% per annum, which is paid to your Wallet automatically at the end of the month. However, you can only make withdrawal once in a quarter. For emergency withdrawal before withdrawal date, 70% accrued interest will be forfeited. Trust us; we are doing this to help you stick to your financial goals.

To create a CoopSave plan, follow the steps below :

• Log in to your dashboard, click on Savings,’ select ‘CoopSave and click on Quick Save
• Follow through with the required steps to fund your account with your desired amount.

My Goals helps you save consistently towards a particular financial goal. Set up multiple saving goals using the "MyGoals” (Target Savings) feature. You can save for children school fees, vacation, projects, wedding, holidays, and many more even special events and earn more money while at it at interest up to 17% daily compounding interest per annum

You can set your target amount, start date, end date, amount, and preferred frequency, all with your end goal in mind, so you do not have to worry about a thing. Link your Debit card to MyGoals account for an auto-debit. You can create as many goals as you want.

With MyGoals, funds can only be accessed at the maturity date, at which point the funds will automatically be sent to your wallet account for you to transfer to the bank on your profile.

However, the target amount you have created must be achieved by the maturity date; else, you lose all your accrued interest. You will be unable to break any of your goals targets, so please do not invest any emergency funds in this plan.Any attempt to liquidate before maturity will lead to forfeiture of accrued interest.

To create a Goal, follow the steps below

• Log in to your dashboard, click on Savings,’ select ‘MyGoals and click on New Goal to create a goal of your choice
• Give your goal a preferred name and follow through with the required steps, select the goal amount, frequency of savings and funding source to automate your savings into the goal created.

You earn higher upfront interest up to 10%-25% when you use the “Vault” feature to lock your savings/investment, so you are not tempted to access it until your set date. This plan

is for individuals who may have longer-term savings goals and wish to exercise their discipline not to access cash that is meant to be saved. It is a fixed savings option that allows you to earn your interest Upfront.

The minimum lock period is 90days and the interest rate earned is subject to the tenor and the amount saved. For those looking to achieve as high as 20%-25% interest per annum – paid upfront the principal investment must be locked for a up to two (2) years and cannot be accessed until maturity.

Please note the minimum amount that can be locked is N100,000 and interest is instantly paid into your wallet.

To create a Vault, follow the steps below

• Log in to your dashboard, click on Vault ’and click on New Vault
• Give your Vault a preferred name and follow through with the required steps, to create your vault

Ajo Circle is a rotation savings plan and one of our cooperative savings option just like your traditional “Ajo (Thrift)” or “Esusu”. You can create an Ajo circle with family, friends and colleague. Its a savings rotation plan and each member contributes based on the payment frequency of the Ajo Circle and each person picks up the contributed sum as agreed when its their turn.

The Ajo offers a daily compounding interest rate up to 15% P.A. The accrued interest of 15% is payable and will be shared among each member in equal proportion at the end of the savings cycle.

To create Ajo Circle, follow the steps below

• Log in to your dashboard, click on Ajo (Thrift) and click on create or Join New Ajo.
• Fill in the required details in the modal that pops up. Enter the Ajo amount, frequency, number of slot (This is the number of people to join the Ajo), the start date to create the Ajo.
• Once its created, you will select your position and click on join the Ajo.
• A pop up is displayed for you to tokenise your account where deduction/contribution will be deducted at the preferred frequency and click next and submit.
• The system will send a USSD code to your registered phone number. Please cancel the USSD prompt.
• You will then be redirected to pay attitude page where you will need to input your phone number and bank account number for tokenisation.
• An OTP will be sent to your phone number linked to provided bank account/BVN
• Once you input the OTP on the system, the process is completed and you will get a success notification.
• An Ajo Circle code will be generated upon a successful Ajo creation which you can share with other members to join the created circle

NOTE: All the members must first JOIN and then all must CONSENT after joining for the thrift to start.

MyClique allows you to create a savings challenge with family and friends towards a shared goal with an unlimited number of friends. You contribute separately and track each other's savings progress together to achieve common goals.

The earning is based on the criteria set and agreed by the clique (group of friends or colleagues etc.) With MyClique, you can earn a daily compounding Interest rate of up to

15% per annum. The minimum balance is N1 000 and it has no limit on how much you can save.

To create a Clique , follow the steps below

• Log in to your dashboard, click on Savings,’ select ‘MyClique and click on New Clique or Join with code
• For new clique, give your clique a preferred name and follow through with the required steps, select the goal amount, tenor, frequency of savings and funding source to automate your savings into the Clique created.
• MyClique has now been created, you can now invite members to it.

A diversified portfolio which provides capital appreciation and liquidity to investors as well ensure security of assets and sustainable returns in the portfolio over a long-term period. The portfolio is a mix of Fixed Income, credit instrument and alternative investments in order to mitigate investment volatility and provide sustainable liquidity and guaranteed ROI to all investor.





To invest in any of the plans, follow the steps below

• Log in to your dashboard, click on Investments and select New Investments
• Follow through with the required steps, input investment amount, tenor and funding source to automate your savings into the goal created.

Returns are computed daily, but only paid at your preferred payment frequency.

For investments below N3,000,000, you can receive your ROI either monthly, quarterly or at maturity depending on the frequency of payment you select when investing.

For investments of N3,000,000 and above, ROI will be paid at maturity

All investment plan attracts10% WHT deduction on the interest amount only. This is a regulatory deduction payable to the government.

Yes you can add to your investment at anytime using the “investment Top-up’ feature. Minimum top-up amount of N50,000 for Platinum Max Fund and N20,000 for Conservative Plus.

Investment are only terminated automatically at maturity. However, you can roll over again at maturity.

A wallet account is simply a transaction account where interest earned or withdrawals made on all other MyCashier plans are paid. It is from the wallet that transfers are made to your commercial bank account. The wallet also can be funded directly from your commercial bank account via your debit card or bank transfer.

While you may have funds sitting in your Wallet, please note that such funds do not attract any interest and must be transferred to your preferred plan to enjoy the same benefits.

• Go to the dashboard, click ‘Fund wallet’.
• Enter the amount and select your funding source which may be your debit card on record
• You can use the bank transfer option via paystack or any of our other payment gateway partners
• Follow through with the required steps for funds to be transferred from your bank account to your wallet account

Ensure all KYC documentation is completed, including Bank Verification Number and other personal details (this is as much for your protection as ours), your bank details have been added and your transaction PIN has been set.

• Go to the dashboard, click on ‘Withdraw Funds .’
• Select withdrawal destination – “any of your ‘bank account on on record’
• Input the amount you would like to withdraw (please note that this must be a minimum of ₦3,000). Click on continue to verify the account details for correctness
• Input your transaction PIN to authorize the withdrawal and submit
• Funds will be transferred to the selected account immediately

Note : Withdrawal from RegSave and CoopSave to Wallet is free. Withdrawal from MyGoals, Vault, MyClique and investment to Wallet is done automatically when the plan matures.

• Go to the dashboard and click ‘Transfer Funds’.
• Input the recipient’s/beneficiary’s phone number and amount you you want to send
• Click on continue to verify the account details for correctness
• Input your transaction PIN to authorize the transfer
• Funds will be transferred to the recipient's/beneficiary’s wallet immediately

Note: If the intended recipient is not on MyCashier, you can invite them to sign up to enjoy seamless transfers

MyCashier is integrated into various biller platforms, ensuring that your payments for bills, including cable TV, airtime, data, utilities, transfers and more are seamlessly executed and recorded for easy tracking.

No, you would not incur extra charges. Rather, Standard Biller charges are applicable

MyCashier is absolutely FREE. However, charges you may incur on your account include:

Penal Charge of 70% on accrued interest is applicable on emergency withdrawal on the CoopSave outside the free withdrawal days

Transaction fee of up to N100 when you move money to your bank account

Penal charge of 70% is applicable on accrued interest on MyGoals plan if you fail to meet up with your goal at maturity.

Withholding Tax of 10% on total accrued interest on investment plans

Yes, registering your BVN is necessary on the MyCashier platform to verify your identity, banking details and kick against identity theft.

This ensures another level of safety for your funds and transactions.

It also unlocks other features like transfers from your wallet to another user on MyCashier.

You will be unable to withdraw from your account if we cannot ascertain that you are the valid owner of the account.

In a situation, where you no longer have access to the phone number linked to your BVN, kindly contact your commercial bank to update the phone number

Our system verifies that the BVN provided is same linked to your bank account.So if your surname changes as a result of being married as a lady, not too worry, our system may verify you if all other information are the same. To rectify any other BVN mismatch, you will have to contact the commercial bank point where you registered for BVN