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Three whales leap where the deep currents run,their bellies bright beneath a patient sun.They ask no clock, they rush no tide.good things arrive on the water's ride.Hold on. Your river is almost done.

Every
Step
Forward,
Together.

Nigeria's smart finance companion. Send money instantly, save smarter, pay bills in seconds — all in one place.

Why Riverly

Banking that works
as hard as you do.

From your morning coffee to your monthly salary, Riverly keeps your finances moving without friction.

Instant Transfers
Instant Transfer
₦50,000
Sent in 3 seconds
Smart Savings
Smart Savings
₦485,000
+12.4% this month
Bill Payments
Bills Paid
₦12,500
Zero extra charges
₦1.2B+Transactions processed
since beta launch
CBN LicensedFully regulated &
NDIC insured
24/7Always-on support
and services
How It Works

Up and running
in minutes.

No paperwork, no queues, no waiting. Get your Riverly account set up before your next cup of tea.

1

Join the Waitlist

Enter your email to secure early access. Be among the first to experience smarter banking.

2

Verify Your Identity

Quick BVN verification and a selfie. Takes under 3 minutes and keeps your account secure.

3

Start Transacting

Send, receive, save and pay — your full financial life, simplified and always available.

Features

Grow your money with competitive interest rates.

Grow your money with competitive interest rates. Set savings goals, automate deposits, and watch your wealth build over time.

Total Savings
₦485,000
+12.4% this month
Add
Send
More
What People Say

Nigerians love
banking with Riverly.

I transferred money to my sister at 2am and it arrived in seconds. No stress, no delay. This is the banking I've always wanted in Nigeria.

AO
Amaka Okonkwo
Small business owner, Lagos

The savings feature is incredible. I set a goal for my car and Riverly's auto-save helped me reach it four months ahead of schedule.

KA
Kelechi Adeyemi
Software Engineer, Abuja

More than
a bank.
A partner.

Whether you're saving for tomorrow or building a business today, Riverly has a product built for your journey.

PPersonal

Everything you need
to manage money.

A full suite of personal finance tools — transfers, savings, bill payments, investments — all in one account.

  • Instant local & international transfers
  • Automated savings goals with interest
  • Buy airtime, data & pay utility bills
  • Access to micro-loans when you need it
BBusiness

Power tools for
growing businesses.

Dedicated business accounts with payroll, POS terminals, bulk payments, and API integrations built for scale.

  • Dedicated business current account
  • Automated payroll & salary processing
  • POS terminals & payment collection
  • Developer API for custom integrations
Security

Your money is
always protected.

We take security seriously. Every transaction, every login, every naira — protected by multiple layers of security.

CBN Licensed & NDIC Insured

Fully regulated by the Central Bank of Nigeria. Your deposits are insured by the NDIC up to ₦5,000,000.

256-bit Encryption

All your data and transactions are protected with bank-grade AES-256 encryption — the same standard used globally.

24/7 Fraud Monitoring

Our AI-powered fraud detection system monitors every transaction in real time, blocking suspicious activity before it happens.

Ready to bank
differently?

Join thousands of Nigerians already on the waitlist. Early access is limited — get yours today.

Frequently asked questions.

Yes. Riverly Finance Company Ltd is a fully CBN-licensed financial institution operating in compliance with all Nigerian financial regulations.
Download the Riverly app, provide your BVN and a valid ID, and you can have a fully functional account in under 5 minutes.
Absolutely. Your deposits are protected under NDIC insurance, and we use bank-grade 256-bit encryption on all transactions.
Personal accounts start with ₦200,000 daily limit. After full KYC verification, limits can be increased to ₦5,000,000 per day.
No monthly maintenance fees. We only charge small transaction fees where applicable, which are clearly displayed before you confirm.