A Product of Prospera Finance Ltd.
Your money, your goals. One app.
Receive and transfer funds, build savings, access loans, and manage POS terminals from a single, secure platform.
Explore Worta
Everything you need, unified.
Manage your account, savings, deposits, loans and business services—all in one place.
01Worta Account
Your money, in view.
Receive money into your Worta wallet, send transfers to any bank account, and follow every transaction in one place. Fund your wallet, then choose how to use it.
- Receive funds into your Worta wallet
- Transfer money to any bank account
- Follow your full transaction history
02Worta Savings
Save your way.
Choose a plan that suits your goals. Fund your main wallet, choose an available plan and review its terms before confirming.
- Choose a plan that fits you
- View your plan details
- See your next step at a glance
03Worta Deposit
Your money, clearly organised.
View your plans: see your active deposit plans and their details in one place. Returns are based on the applicable product terms.
- Review your placement
- Follow its status
- Plan for maturity
04Loans & POS
Grow your business.
Explore loan options and estimate repayments. Get a POS terminal for your business and request payouts against your available settlement balance.
- Explore loan options and make an enquiry
- Request POS payouts in the app
- Follow every request to the outcome
Why Worta
All your finances. One secure platform.
01
Clear terms
The applicable amount, duration, rate, charges and payout conditions are provided before you commit funds.
02
Human-backed support
Contact our support team through the app or email.
03
Secure by design
A 4-digit transaction PIN protects your payments. Applicable transaction charges are shown before you confirm.
04
Built around your goals
Choose a plan that suits your goals.
Explore the app
More than a wallet.
Account, savings, deposits, loans and POS in one app. Illustrative app previews — example balances shown are not customer results.
Savings plans for every goal
Three plans, one place
SmartSave, Pro-Savings and Target Plus, side by side.
See the terms first
Rate, tenor, minimum and early-exit rules before you confirm.
View your plans
See your active savings plans and their details in one place.
Savings
Save your way.
Choose a plan that suits your goals. Fund your main wallet, choose an available plan and review the terms before confirming.
SmartSave
In the appSet money aside for a defined period, with the flexibility to add more funds.
- Terms
- Reviewed before you commit
- Early liquidation
- Subject to plan conditions
- At maturity
- Principal and interest paid to your wallet
Pro-Savings
In the appBuild your savings at your own pace, adding money whenever it suits you.
- Terms
- Reviewed before you commit
- At maturity
- Principal and interest paid to your wallet
Target Plus
In the appSet money aside towards a specific financial goal.
- Terms
- Reviewed before you commit
- Early liquidation
- Subject to plan conditions
- At maturity
- Principal and interest paid to your wallet
The applicable amount, duration, rate, charges and payout conditions will be provided before you commit funds. Early liquidation is subject to the conditions of your plan. Where available, applicable deductions and the amount payable will be shown before confirmation. Plans with upfront interest are locked for the agreed term and cannot be liquidated early. At maturity, the principal and any interest due are paid into your main wallet. You can then choose to start another plan.
Deposit
Put your money to work.
Fixed-term plans with terms and conditions explained before you commit. Returns are based on the applicable product terms.
Fixed Deposit
In the appPlace a defined amount for an agreed period, with the applicable rate and payout terms explained before you commit.
- Terms
- Provided before you commit
- Early liquidation
- Subject to plan conditions
- At maturity
- Principal and interest paid to your wallet
Fixed Income Plus
Speak with our teamExplore a longer-term placement with support from the Prospera Finance team.
- Terms
- Discussed with our team
- Enquiry
- Does not create or fund a product
Wealth Mandate
Speak with our teamSpeak with the Prospera Finance team about a tailored arrangement for larger amounts.
- Process
- Enquiry and suitability discussion
- Enquiry
- Does not create or fund a product
How our deposit products work
Before you commitThe applicable amount, duration, rate, charges and payout conditions will be provided before you commit funds.
Early liquidationSubject to the conditions of your plan. Where available, applicable deductions and the amount payable will be shown before confirmation.
At maturityThe principal and any interest due are paid into your main wallet. You can then choose to start another plan.
An enquiry does not create or fund a product. Calculator results and indicative offers are estimates. The terms confirmed when you accept a product apply to that arrangement.
For your work and your business
Grow your business smoothly.
Loans
Flexible funding options.
Explore SME and payroll loan options and estimate repayments. Eligible Tier 3 customers can submit a request through the app for assessment and team follow-up. A six-month bank statement may be provided to support the application, but it is optional. Submission does not guarantee approval.
Estimate your repayment
Calculator results are estimates. Your final rate, charges and repayment schedule will be stated in your loan offer.
POS Services
Accept payments effortlessly.
Get a free POS terminal for your business, with no setup fee. Individual applicants need a BVN, NIN slip, utility bill, email address and phone number. Corporate applicants must also provide CAC registration documents. Applications are subject to verification and approval. Start accepting payments once your terminal has been approved, configured, delivered and activated. Any applicable processing charges and terminal-use conditions will be explained before you accept.
How POS payouts work
- 1Request a payout in the app
- 2Request reviewed against settlement records
- 3Approved amount credited to your Worta wallet
Get a free POS terminal for your business, with no setup fee. Applications are subject to verification and approval. Any applicable processing charges and terminal-use conditions will be explained before you accept.
Getting started
Get started in a few steps.
Get started in a few steps. Account registration takes place in the Worta app — this website helps you explore our services.
1
Register in the app
When available, register in the Worta app using your phone number.
2
Verify Identity
Complete quick, secure in-app KYC checks to unlock your account tiers.
3
Fund Your Wallet
Once your account is activated, use your personal account details to receive money.
4
Take Control
Transfer money, start savings plans, or apply for business tools.
By Prospera Finance
Modern technology, backed by trusted experience.
Worta is a digital financial platform developed and operated by Prospera Finance Limited. It combines modern technology with Prospera's experience to make financial services simpler, more accessible and easier to manage for individuals and businesses.
Our mission
Make financial services easier to access, understand and use — for individuals and businesses.
Our vision
Help individuals and businesses manage their money clearly and make progress towards their financial goals.
Protection built into the experience
Multi-layered security
Biometric sign-ins, secure PIN authorizations, and safe in-app checks protect your account from unauthorized users.
Backed by Prospera Finance
Worta benefits from Prospera Finance Limited's institutional experience, governance and commitment to delivering dependable financial solutions.
FAQs
Frequently asked questions
Worta is a digital platform operated by Prospera Finance Limited. Banking services provided by Loma Microfinance Bank Limited. Worta is not a bank. It brings account services, savings, deposit options, loans and POS services together, subject to eligibility and product availability.
No. Account registration takes place in the Worta app — this website helps you explore our services.
Register in the Worta app using your phone number, complete quick, secure in-app KYC checks to verify your identity, then use your personal account details to fund your wallet.
SmartSave, Pro-Savings and Target Plus. You can review each plan's terms in the app before you commit.
Deposit is available in the app. For Fixed Income Plus and Wealth Mandate, speak with the Prospera Finance team. An enquiry does not create or fund a product.
The applicable amount, duration, rate, charges and payout conditions will be provided before you commit funds.
Early liquidation is subject to the conditions of your plan. Where available, applicable deductions and the amount payable will be shown before confirmation. Plans with upfront interest are locked for the agreed term and cannot be liquidated early.
Manage today.
Build what comes next.
Download the Worta app to start managing your money, growing your savings, and scaling your business.
Coming soon onApp Store
Coming soon onGoogle Play
