Quick verdict
- What it is
- Store information collected; independent summary not yet available.
- At a glance
-
- Free to download
Categories and search queries
Official categories
- Finance
- Business
AppCorpus categories
Key functions
| Function | Availability | Access | Scope | Evidence |
|---|---|---|---|---|
| Free app | Yes | Free | — | Store published |
Screens
App Store
7 store screenshots
Pricing & paywalls
App Store
- Free
Ratings & reviews
App Store
-
4/5Customer care services
Getting a loan isn’t a problem with carbon, repaying will take life out of you. One does not have to wait for due date to start paying off loan, but with response like “ amount is not within range” means you have to pay a certain amount or save it there and wait for them to feel like collecting it… the most disgusting part about it is the numerous emails and calls I had to put through to seek for help with the problem, urging them to allow me start paying as soon as I took like the previous… so self centered they don’t care how demanding paying back gets, all you know is call and ask for payment, never listening, 8 emails no response, why leave a contact email you don’t respond to ? Or complaint as vital as not being able to pay back loan unanswered ?? Customer care service with carbon 😡😡.. they are all BoT’s. Robots 🤖.
Bossafor · 5 Sep 2026
-
5/5No direct customer care
Why is there no direct way to reach you guys in Nigeria? I checked your Ghana website, and I could see there's a customer care phone number. In Nigeria, only WhatsApp chat and in-app support - not even a direct email. This isn't nice. I currently have an issue after making a purchase with my carbon card. For almost a month now, I've been using WhatsApp and in-app support features, and all you keep saying is that I should provide a declined receipt when there was none for the transaction. I also used the card of a different bank at the time of that failed transaction, and they refunded my money a long time ago without asking for any declined receipt. For almost a month now, no solution - a ₦50,000 transaction. You guys need to invest in your customer care service in Nigeria. Not having any direct access to your customer care is terrible. At least I know I will never use your card for any transactions whatsoever with the treatment I've received so far. Fix up. Thanks.
Dan_Kellz · 5 Sep 2026
-
4/5Loan Increments
I should have given you a five star rating but I’m not satisfied with the way you reduce your loan amount every time I make a repayment. Your system is supposed to be designed to increase the loan limit if repayment is made and if a customer is never late on payment, but instead it’s keeps reducing. I have been on this app since Feb 2020 at a point my limit got to 50k but after that reduced to 30k and it kept on reducing without any issues on my account. Have never been late on a payment. I recently paid back in full my payment which was supposed to be due next year February hoping to get a higher loan only to be awarded with 4K It’s not speaking well of your app. I use other app and I know how the limit works and keeps growing with each repayment made. The issue is if you don’t apply for that 4K a new loan won’t be available it’s not ok I applied for loan to get a good amount not 4K or 10k like you approve. Have written to your customer service but nothing has been done on it and I’m also sure some of your customers are not happy with that as well Please work on it to have better customer service and clients too.
Bobbybrown007 · 5 Sep 2026
-
5/5Frequent issue unattended to.
I’ve been enjoying carbon, not until I find it difficult to log into my account. Actually I Mistakenly pressed on forget pin while trying to use Face ID . I was told to enter my phone number and pin which I did . I expected the OTP to pop in my inbox . After several attempts over 24 hours I did not get any OTP. I sent a mail concerning that, yet still same result . I was told to check my line maybe it’s on DND which might be be cause of me not getting the OTP . But yet it’s the same thing . Till now I couldn’t log in to the app. And I’ve been stranded for days . Because I did not have access to my account to make any transaction.
therealmomis · 5 Sep 2026
-
5/5Loan
Carbon updated their app and reduce my loan offer …i have a good repayment history,i have always paid on time and my loan offer went drastically down…from 300k to 10k ,maybe a bug or something,i am done with the bank,sent a request to delete my account severally buh you guys arent closing it,so i am deleting your app right now….Also,a quick help for you guys,your “add bank” isnt working,its doesnt always add the bank when you add it and even you logout nd relogin,the bank wont show still…i dont care anymore if you update your app bugs and all,not interested in your bank again /worst bank application..
ReyStreamer017 · 5 Sep 2026
Privacy & accessibility
App Store
Privacy
- Data Linked to You — Analytics — Other Data — Other Data Types Developer declared
- Data Linked to You — App Functionality — Contact Info — Email Address Developer declared
- Data Linked to You — App Functionality — Contact Info — Name Developer declared
- Data Linked to You — App Functionality — Contact Info — Phone Number Developer declared
- Data Linked to You — App Functionality — Financial Info — Payment Info Developer declared
- Data Linked to You — Contact Info Developer declared
- Data Linked to You — Financial Info Developer declared
- Data Linked to You — Other Data Developer declared
- Data Not Linked to You — Analytics — Diagnostics — Crash Data Developer declared
- Data Not Linked to You — Analytics — Usage Data — Other Usage Data Developer declared
- Data Not Linked to You — Analytics — Usage Data — Product Interaction Developer declared
- Data Not Linked to You — App Functionality — Diagnostics — Crash Data Developer declared
- Data Not Linked to You — App Functionality — Diagnostics — Other Diagnostic Data Developer declared
- Data Not Linked to You — App Functionality — Diagnostics — Performance Data Developer declared
- Data Not Linked to You — Diagnostics Developer declared
- Data Not Linked to You — Usage Data Developer declared
- Data Used to Track You — Other Data — Other Data Types Developer declared
- Data Used to Track You — Other Data Developer declared
Accessibility
No accessibility labels collected yet.
Versions
App Store
-
3.8.7
Smoother security, and cleaner UI!, streamlined card request flows, and critical bug fixes. What’s New Account Indemnity: Gave KYC Level 3 users the ability to increase their transfer limit from ₦1 million to a ₦5 million thresholds. Improvements Card Request Flows: UI Updates to the Card Request Flows. Event Tracking Bug Fixes Security Threat on App: Fixed Security threat Fix Issues with email verification Resolving Build Issues
-
3.8.8
Enjoy streamlined sign-up, secure profile management, quicker address verification, fresh home updates, and zero-fee debit card delivery! What’s New Improved Login Experience: We’ve squashed an edge case bug that prevented some users from logging in—accessing your account is now seamless. Enhanced Address Verification: Our new integration provides a faster and more intuitive address verification process to ensure your details are confirmed quickly. Profile Picture Lock: To safeguard your identity and reduce fraud, profile picture changes are now restricted, ensuring that only you can change your picture when you reach out to us and we have confirmed your identity. Zero Delivery Fee for Your Debit Card: Pick up your new debit card at our office—absolutely free. Plus, enjoy direct activation if you already have a card with you. Real-time delivery status screens keep you in the loop throughout the process. Improvements Security & Accuracy: Updated OTP verification endpoint for enhanced reliability. Loan amounts now display in the correct format. Clearer CVV instructions added to card activation to guide you better. Behind-the-scenes certificate updates for smoother app performance. Update now for a faster, safer, and more intuitive banking experience! Your feedback fuels our innovation. Thank you for choosing Carbon MFB!
-
3.8.9
Bug Fixes
-
3.9.0
Short Description Smarter card controls, tighter profile security, easier collections contact, and a performance boost—your app just got better. What’s New Smarter Card Controls: Take full control of your card usage! Set daily spending limits, block specific merchant categories, and toggle transactions across ATM, POS, and online—all from your card dashboard. Profile Picture Lock: To safeguard your identity and reduce fraud, profile picture changes are now restricted, ensuring that only you can change your picture when you reach out to us and we have confirmed your identity. Easier Collections Support: Need help with payments? You can now reach the collections team directly via email from within the app for quick resolution. Improvements Security & Performance Enhancements: We’ve made behind-the-scenes upgrades to improve app security, boost performance, and keep everything running smoothly in the background.
-
3.9.1
Enjoy a more personalised sign-up, more loan information, and improved address validation. All designed to serve you better. What’s New Carbon “Discover” section : Introducing a discover section to highlight new products and services. Improved Sign-Up flow: We now clearly show that OTPs are sent to both SMS and Email. And these details are masked for security. PEP (Politically Exposed Person) Selection is now displayed in the address screen. Improved Address Updates: Address updates are now more responsive and accurate, with automatic KYC updates to reflect your latest information. Improvements Security & Performance Enhancements: OTP Verification for Bank Statement Access Fixed loan repayment issues General stability updates and performance optimisations. Improvements Security & Performance Enhancements: We’ve made behind-the-scenes upgrades to improve app security, boost performance, and keep everything running smoothly in the background. Update now to unlock smarter banking with enhanced security and a more intuitive experience! Your feedback drives our innovation. Thank you for choosing Carbon MFB!
-
3.9.2
Short Description This update brings clearer sign-up flows, smarter loan repayment options, and stronger input validation, making your Carbon experience smoother from the start. What’s New More personalized Sign-Up: We’ve introduced a new optional field to add your social media handle, helping us personalize your experience. You’ll now also need to check a consent box to continue, ensuring clear agreement with our Terms of Service and Privacy Policy. Loan Terms Page Update: Refined the loan Terms & Conditions copy for better customer clarity. Smarter Loan Repayments: Make partial payments on overdue loans to ease repayment stress. Improvements Email field validation now prevents incorrect formats. Update now to enjoy faster performance, smarter flows, and improved stability. Your feedback drives our innovation. Thank you for choosing Carbon MFB!
-
4.0.0
Enjoy a safer, smoother app experience with improved security, smarter payments, easier credit report access, and better performance. What’s New Improved Security: We’ve introduced Security Questions for added account safety—helping secure your account from the start. Easier Credit Report Access: You can now pay and access your Credit Report directly in the app. A “What you need” Page : Introducing a new screen that shows the requirements needed during onboarding—helping you prepare and reduce signup friction. Improved Account Transfers: Saved bank details are now auto-suggested during transfers for a faster experience. Improvements & Fixes: Updated OTP screen copy for better clarity. Introduced a new Credit Report landing page with improved UI. Increased minimum supported version to iOS 15. Fixed a crash when opening Live Chat support General stability updates and performance optimizations. Update now for improved security, smoother flows, and a faster, more stable experience. Thanks for choosing Carbon MFB!
-
4.0.1
Enjoy Faster signup, flexible savings, smarter loans, and a smoother app experience. New Features CashVault Upfront Interest – Earn full interest upfront as soon as you lock funds. FlexSave Partial Liquidation – Withdraw only what you need while the rest keeps earning. Smart Banners – Personalized offers, tips, and reminders after transactions. Loan Offers Redesign – Cleaner scrollable list with clearer messaging. Improvements Savings overview redesigned for easier comparison. Smarter prompts for NIN/BVN, better address validation, and real-time KYC limit checks. Clearer stamp duty receipts and improved CTAs for first-time users. Upgraded identity verification and phone number verification process. Fixes for saved payment deletions plus overall performance and stability boosts. Correct transaction type display for online card transactions Update now for faster sign-up, more flexible savings, and a smoother experience. Thanks for choosing Carbon MFB!
-
4.0.2
Bug fixes for investment accounts
-
4.0.3
Bug Fixes
-
4.0.4
Get: Faster signup, flexible savings, smarter loans, and a smoother app experience. New Features: - Savings-Backed Loans: Use your savings balance to qualify for a satisfactory loan amount. - Loan UI Update: Enjoy a simpler, more intuitive loan application process! Improvements: Performance Enhancements—optimized onboarding and general stability updates. Update your app now to access the new features, experience the improved flow, and a smoother experience. Thanks for choosing Carbon MFB!
-
4.0.5
Bug fixes.
-
4.0.6
Bug fixes
-
4.0.7
Get: Faster signup, flexible savings, smarter loans, and a smoother app experience. Improvements: Performance Enhancements (Optimized onboarding, better stability, general optimisations). Ready to unlock more? Update your app now to get an improved workflow, and a smoother experience. Thanks for choosing Carbon MFB!
-
4.0.8
Stamp duty update
-
4.1.0
Get: Smarter loans, faster onboarding, redesigned dashboard, and a smoother app experience. NEW: Redesigned Homescreen Dashboard! Everything you need at a glance, Smarter, faster, clearer, and more intuitive than ever. Improvements: Performance Enhancements (Faster loading, improved stability, smarter loan flows, streamlined onboarding, and general optimizations). Ready to unlock more? Update now for a faster and smoother banking experience! Thanks for choosing Carbon MFB!
-
4.1.1
Get Smarter loans, faster transfers, and more discoverable savings. NEW: Always-On Credit shows your loan eligibility instantly. Savings Homescreen displays all products and balances upfront. one-tap narration suggestions make transfers effortless. Improvements: Optimized app launch times, independent balance hiding for each card, and full SwiftUI compatibility for a smoother, more stable experience.
-
5.0.0
Get: Stronger account security, smarter PIN management, and a smoother app experience. NEW: Separate Login & Transaction PINs! Your account now has two dedicated PINs — one to access the app, one to authorise payments. Safer, clearer, and more in your control than ever. Improvements: Security & Stability Enhancements (Smoother device verification, updated account limits view, clearer login error messages, and general bug fixes). Ready to bank safer? Update now for a more secure and seamless experience! Thanks for choosing Carbon MFB!
-
5.1.0
Get: Stronger account security and a smoother app experience. WHAT’S NEW? Multiple Transfers -You can now send money to multiple people at once Letter of Non-Indebtedness -You can now request directly from the app Improvements: Security & Stability Enhancements (improved address verification, improved transfers, clearer error messages, and general bug fixes). Ready to bank safer? Update now for a more secure and seamless experience! Thanks for choosing Carbon MFB!
-
5.1.1
Bug Fixes
-
5.1.2
Get a more secure and personalized app experience. WHAT’S NEW? Self-Service Profile Update – You can now update your BVN details directly from the app for a more seamless verification process. Improvements: Security & Stability Enhancements ( Improved address verification flows, and general bug fixes). Ready for a better experience? Update now for a more secure and seamless app! Thanks for choosing Carbon MFB!
-
5.1.3
Bug Fixes
-
5.2.0
WHAT’S NEW? New Account Limit Update – A new compliance experience has been introduced for customers using a new or unrecognised device. Improvements: Security & Stability Enhancements (Lending experience enhancements, and general bug fixes). Ready for a better experience? Update now for a more secure and seamless app! Thanks for choosing Carbon MFB!
-
5.2.2
Get stronger account security, improved address verification, and a smoother app experience. WHAT’S NEW? Improved Home Screen: We've added a quick-access Credit Report tile for easier access to your credit insights. Improvements: Security & Stability Enhancements (improved meter number validation). Ready to bank safer? Update now for a more secure and seamless experience! Thanks for choosing Carbon MFB!
-
5.2.3
· 5 Aug 2026
Get: Smoother transfers, clearer error messages, and no more hassle when you reinstall the app. Improvements: Multiple Transfer remarks, duplicate beneficiary handling, device recognition on reinstall, plus general stability enhancements. Ready to bank safer? Update now for a more secure and seamless experience! Thanks for choosing Carbon MFB!
-
5.2.4
Bug fixes.
-
5.2.5
Bug fixes and improvements
-
5.3.0
· 18 Aug 2026
Get: More control over your loan offers and a more accurate view of your loans. Improvements: Update your employment status and monthly income every 3 months. Ready to bank safer? Update now for a more secure and seamless experience! Thanks for choosing Carbon MFB!
Alternatives
- FairMoney: Save, Spend, Credit — Same category + similar ratings
- Kredi – Loan, Savings & Bills — Same category + similar ratings
- ALAT — Same category + similar ratings
- PiggyVest: Save & Invest Today — Same category + similar ratings
- Access More — Same category + similar ratings
- UBA Mobile Banking — Same category + similar ratings
Availability by market
- US
Data quality & evidence
- Page completeness
- Live store listing
- Last verified
- 5 Sep 2026
- Sources
- App Store
- Independent summary has not been published yet.