Values For You
Ethica empowers you with innovative digital banking and ethical non-interest services, offering secure, flexible, and customer-focused solutions.
Free Monthly Transfers
Enjoy five fee-free money transfers monthly. Subsequent transfers cost a flat rate of just ₦10.
Cashback on Airtime
Recharge smarter—earn up to 7% cashback every time you purchase airtime through Ethica.
High Returns on Investment
Grow your wealth securely with ethical investment options designed for higher returns.
₦1 Million Gaming Rewards
Take part in our exciting monthly trivia games for a chance to win a portion of the ₦1 million cash prize pool.
Explore Ethica
Our product and offerings
Managing Personal Finances
Invest for the Future
Settle monthly bills
Earn extra through referrals
For Businesses
Ethica empowers SMEs by eliminating opening barriers and COT fees. We offer compliance support, access to financing, and Takaful insurance. Simplify operations and boost business growth with built-in tools for invoicing, payroll, bulk payments, POS integration, and team management.
Startups and entreprenuers
Multi-step approval
Settle monthly bills
Earn extra through referrals
Play. Learn. Win Big
Knowledge pays every month on Ethica! Join our exciting quiz trivia, answer educational questions, and stand a chance to win from our ₦1 Million monthly reward pool. It's an opportunity to grow both your knowledge and your wallet.
Get started in 3 easy steps
Your journey with Ethica starts here! Just follow these steps
Get the app.
Download the Ethica app on Google Play Store or iOS App Store.
Verify.
Complete a basic verification process using your KYC details, BVN, and/or NIN.
Fund Your Account.
Fund your account and immediately begin transacting.
Frequently asked questions
Got questions? We offer clear, straightforward answers to help you understand our services, values, and how Ethica is designed to work for you.
The Halal Money Series
An enlightening online series that breaks down core non-interest banking principles—from Mudarabah (profit-sharing) to Murabaha (cost-plus financing), Ijarah (leasing), and Musharakah (joint ventures). Learn how faith, fairness, and finance work hand-in-hand.
How To Get A Car Without Buying It - Ijarah
Build Your Dream House Without Funds - Istisnah
How To Own An Asset Now, And Pay Later - Murabaha
Let's Get It Done For You - Wakalah