E-Channels & Digital Banking

The Bichi Mobile App turns your smartphone into a complete banking hall. Whether you are sending money to suppliers, paying utility bills, or checking your account balances, our app delivers instant, seamless financial transactions in real time.

• Instant Money Transfers — Send funds instantly to any bank in Nigeria 24/7.
• Airtime & Data Top-up — Recharge your phone or buy data bundles in seconds.
• Bill Payments — Pay electricity bills, cable TV subscriptions, and government fees effortlessly.
• Real-Time Transaction Alerts — Monitor every credit and debit on your account instantly.
• Biometric Security — Fast, secure login using fingerprint or Face ID recognition.

No smartphone? No data? No problem! Our USSD Quick Banking service allows you to conduct essential banking transactions on any mobile phone (feature phone or smartphone) using a simple shortcode.

• Works on all GSM networks (MTN, Airtel, Glo, 9mobile).
• Check your account balance instantly.
• Transfer money to Bichi MFB and other Nigerian banks.
• Purchase airtime for yourself, family, and friends.
• Reset or change your transaction PIN securely.

Power your retail store, supermarket, or enterprise with reliable Bichi MFB POS Terminals. Accept card payments from customers seamlessly or sign up as a Bichi Agent to earn attractive commissions by offering cash withdrawal and deposit services in your neighborhood.

• High Transaction Success Rates — Fast connectivity with minimal downtime.
• Accepts All Cards — Compatible with Verve, Mastercard, and Visa cards.
• Instant Settlement — T+0 / Same-day automated settlement into your account.
• Durable Hardware — Long battery life and clear receipt printing.
• Earn Passive Income — Generous commission structure for Agency Banking operators.

Carry your money with confidence using the Bichi MFB Debit Card. Linked directly to your Savings or Current Account, our cards allow you to withdraw cash at any ATM across Nigeria and make purchases at millions of merchant locations nationwide.

• Universal Acceptance — Valid at all ATMs, POS terminals, and online payment gateways in Nigeria.
• Chip & PIN Security — EMV technology to protect your card against fraud.
• 24/7 Cash Access — Withdraw cash whenever you need it, day or night.
• Easy Card Management — Request, activate, or block lost cards instantly.

Visit any Bichi Microfinance Bank branch in Kano or Lagos to get your debit card issued instantly!

For corporate clients, business owners, and individuals who prefer banking on desktop browsers, our Internet Banking Platform offers robust tools to manage high-volume transactions, salary bulk payouts, and detailed financial reports.

• Bulk Payroll & Supplier Payments — Pay multiple staff or vendors in a single click.
• Downloadable Bank Statements — Access official PDF/Excel account statements for accounting or visa applications.
• Multi-User Approvals — Customizable approval workflows for corporate account management.
• High Encryption Standards — Enterprise-grade security protocols protecting your corporate funds.