Every Worta product, explained.
Your account, savings, deposits, loans and POS. See what each one offers and how it works before you start.
01 · Worta Account
Your money, in view.
Receive and manage your money in one place, with every transaction easy to follow. Your account is registered and verified in the Worta app.
Receive funds
Receive money into your Worta wallet using your personal account details. Fund your wallet, then choose how to use it.
Send transfers
Transfer money to any bank account. Applicable charges are shown before you confirm. A 4-digit transaction PIN protects your payments.
Track every transaction
Follow your full transaction history in one place. Each entry shows the amount, type and date.
Getting started
Account registration takes place in the Worta app — this website helps you explore our services.
- 1
Register in the app
Register using your phone number when the app is available.
- 2
Verify your identity
Complete in-app KYC checks to unlock your account tiers.
- 3
Fund your wallet
Use your account details to receive money once your account is activated.
- 4
Take control
Transfer money, start a savings plan, or apply for business tools.
02 · Worta Savings
Save your way.
Choose the plan that suits your goals. Fund your main wallet, choose an available plan and review the terms before confirming.
How savings works
- 1
Fund your wallet
Add money to your main Worta wallet first.
- 2
Choose a plan
Pick from SmartSave, Pro-Savings or Target Plus.
- 3
Review the terms
Amount, duration, rate, charges and payout conditions are shown before you commit.
- 4
Confirm
Once you accept, your plan is live. At maturity, principal and interest are paid to your wallet.
SmartSave
In the appSet money aside for a defined period, with the flexibility to add more funds. Review the rate, duration and charges before you commit.
- 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. Review the terms before you confirm.
- 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. Review the terms, including any early-exit conditions, before you commit.
- 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.
03 · Worta Deposit
Put your money to work.
Deposit products 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
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.
04 · Loans & POS
Grow your business.
Borrow for your business and accept card payments with a Worta POS terminal.
Loans
Request through supportSME and payroll loan options are available to explore. Eligible Tier 3 customers can submit a request through the app for assessment and team follow-up.
- Categories
- SME and Payroll
- Eligibility
- Tier 3 customers
- Bank statement
- 6 months (optional, may support application)
- Approval
- Not guaranteed; reviewed by our team
- Final terms
- Rate, charges, schedule stated in loan offer
Submitting a request does not create or fund a loan. Calculator results are estimates only.
POS Services
In the appGet a free POS terminal for your business, with no setup fee. Start accepting card payments once your terminal has been approved, configured, delivered and activated.
Requirements
- IIndividuals: BVN, NIN slip, utility bill, email address and phone number
- CCorporate applicants: all of the above plus CAC registration documents
How POS payouts work
- 1Request a payout against your available settlement balance in the app
- 2Request reviewed against your settlement records
- 3Approved amount credited to your Worta wallet
Applications are subject to verification and approval. Any applicable processing charges and terminal-use conditions will be explained before you accept.
Manage today.
Build what comes next.
Download the Worta app to start managing your money, growing your savings, and scaling your business.
