Sparkle – A Lifestyle Bank

Name: Sparkle – A Lifestyle Bank
Rating: 4.4 (1268 reviews)
Author: Sparkle Microfinance Bank

by Sparkle Microfinance Bank

iPhone · iPad

Active Last checked 5 Aug 2026

App Store ↗

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
Lifestyle

AppCorpus categories

Key functions

Function	Availability	Access	Scope	Evidence
Free app	Yes	Free	—	Store published

Screens

App Store

16 store screenshots

Pricing & paywalls

App Store

Free

Last verified 5 Aug 2026

Ratings & reviews

App Store

4.4 1268 ratings · App Store

5/5Love hate relationship.
I have had this with Sparkle but they always come through.. a little delay here and there but at the end of the day they come through. They are constantly improving and putting in modern ways of banking for sure. They are good.. we fight like family would but we always settle at the end of the day. You can trust them with your money I run a personal and company account with them.

Hisba$ · 5 Aug 2026
3/5The glitch in the app
Ok so it’s been a long time since I’ve been using this app and I would like to say that it has been amazing experience with sparkle buh these days I don’t know if it’s the app or the bank itself that has been having issues, like it glitches and I can’t even make transactions properly, I made a transaction which my client didn’t receive so I reported the transaction only for me to see that the app is unable to open my email. It’s very weird please and also sometimes it logs me out totally from the app which is very strange cause I haven’t seen that happened before. Please y’all guys should look into that issue and fix it buh other than that, it’s been an amazing experience with you guy and I am hoping you guys do better, thank you.

Prettyboii Snooze · 5 Aug 2026
5/5Loving it so far
Loving it so far. Don’t like to share my bank account number with everyone. Sparkle makes me feel even more safe with the ability and flexibility it provides it’s customers. Can’t wait to see upgrading the source funds for the sparkle account to no longer require a transfer but a secure connection to the bank account directly. This will improve the customer experience a lot.

adetoun24 · 5 Aug 2026
5/5Sparkle23
I love everything including the customer service…if your receiver doesn’t receive the sent amount in time, if you make a complaint, it gets reversed in literally minutes….keep the good work up and keep my money safe most importantly

Spark12pro · 5 Aug 2026
1/5Trash!!!
If possible I will not have rate this app any star because it absolutely does not worth it at all... Imagine I transfer 40,540 naira to other banks and the funds have been deducted from my available balance and they’re not showing on my activities and my statement of account is claiming I have #40,540 as my available balance while my available balance it the app is showing me #490 I’ve sent mail to there support mail times without number I’m not getting any response since I’ve been stuck this without getting any response from the app even there Indy chat is responding out of what I’m saying entirely

Blackarab06 · 5 Aug 2026

Privacy & accessibility

App Store

Privacy

Data Linked to You — Analytics — Location — Precise Location 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 — Other User Contact Info Developer declared
Data Linked to You — App Functionality — Contact Info — Phone Number Developer declared
Data Linked to You — App Functionality — Contact Info — Physical Address Developer declared
Data Linked to You — Product Personalization — Location — Precise Location Developer declared
Data Linked to You — Contact Info Developer declared
Data Linked to You — Location Developer declared
Data Not Linked to You — Analytics — Usage Data — Advertising 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 — Performance Data Developer declared
Data Not Linked to You — App Functionality — Usage Data — Advertising Data Developer declared
Data Not Linked to You — App Functionality — Usage Data — Product Interaction Developer declared
Data Not Linked to You — Developer’s Advertising or Marketing — Usage Data — Advertising 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 — Location — Precise Location Developer declared
Data Used to Track You — Location Developer declared
Data Used to Track You — Usage Data — Advertising Data Developer declared
Data Used to Track You — Usage Data Developer declared

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Accessibility

No accessibility labels collected yet.

Versions

App Store

1.8.0
Security updates A few fixes under the hood A more consistent referral experience
1.8.1
Some updates that allow for easier Business Accounts onboarding and a few bug fixes
1.9.0
Some sparkling updates that allow for seamless onboarding and a few bug fixes. Leave a review, we'd love to hear from you.
1.9.1
A few changes under the hood to keep our Sparklers sparkling through the holiday season. Our referrals got a makeover and our liveness detection has been made a lot easier to use.
1.9.2
A glimpse of your Sparkling activities in 2023 to serve you better in 2024.
1.9.3
Sparkling News! Introducing an all new Business Account Creation design. Run your business with Sparkle
1.9.4
A few fixes under the hood
1.9.5
Few bug fixes
1.9.6
After years of development fuelled by your feedback, we're excited to launch our easy-to-use Loans Feature, designed to empower your financial dreams! Experience instant decisions, customisable options, and a seamless application process. Dive in, explore, and let us help you soar toward your dreams!
1.9.7
Esusu is Here! Hello, awesome Sparklers! Get ready to save and play with our brand-new feature: - Esusu Group Savings: Team up with friends to automate savings and take turns winning the pot. It's like a savings party every cycle! - Bug Fixes Galore: We've squashed pesky bugs for a smoother experience. Update now and join the fun!
2.0.0
Pay Salaries Anytime! No need to wait for due dates! The "Pay Salaries" button is now always at your fingertips, letting you pay your team whenever you want. My people just got a whole lot smoother!
2.0.1
New Features & Fixes! 1. Change Email: Lost access to your old email? No worries! You can now easily update your email address directly in the app, without needing to contact customer care. Stay in control of your account with just a few taps! 2. Address Verification Fix: You can now verify your address smoothly and level up your account tier without any errors. 3. Self-Help Login: Having trouble logging in? Submit a support ticket directly from the login page – no need to log into the app! 4. Login Fix: We’ve fixed those annoying login issues so you can access the app without having to restart it. 5. Next of Kin for Loans: Secure your loans by adding next of kin details like their phone number and address during the loan application process. 6. Phone Number Update: Our improved phone number validation ensures that you can add international numbers and receive OTPs accurately during onboarding. Enjoy all these new features and improvements – your Sparkle experience just got a major upgrade!
2.0.2
We’ve made big improvements under the hood and on the surface, to give you a seamless feel throughout the bills journey, ensuring your bills experience is faster, smoother, and more delightful than ever.
2.0.3
Added a KYC update screen for improved compliance. Introduced OTP phone verification before loan acceptance. Loan terms can now only be accepted after successful OTP verification. Why This Matters Enhances security, ensures compliance, and creates a smoother, safer loan process for customers.
2.0.4
Unexpected logout issue fix Few bug fixes
2.0.5
Referral code fix
2.1.0
It's smarter, clearer, better. We’ve redesigned your Sparkle experience with a cleaner, more intuitive interface that makes everything easier to find, faster to use, and more accessible. Behind the scenes, we’ve also upgraded Sparkle’s architecture to a more reliable and scalable framework, improving overall performance, stability, and responsiveness across the app.
2.1.1
Bug fixes / Enhancement
2.1.2
Bug fixes / General Enhancement
2.1.3
Bug fixes / General Enhancement
2.1.4
Bug fixes / General Enhancement
2.1.5
Bug fixes / General Enhancement
2.1.6
Bug fixes / General Enhancement
2.1.7
Bug fixes / Enhacement
2.1.8 · 5 Aug 2026
Bug fixes / enhancement

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Alternatives

V by VFD — Same category + similar ratings

Availability by market

Data quality & evidence

Page completeness: Live store listing
Last verified: 5 Aug 2026
Sources: App Store

Independent summary has not been published yet.

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          "rating": 5,
          "title": "Love hate relationship.",
          "body": "I have had this with Sparkle but they always come through.. a little delay here and there but at the end of the day they come through. They are constantly improving and putting in modern ways of banking for sure. They are good.. we fight like family would but we always settle at the end of the day. You can trust them with your money I run a personal and company account with them.",
          "author": "Hisba$",
          "date": "5 Aug 2026"
        },
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          "rating": 3,
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          "body": "Ok so it’s been a long time since I’ve been using this app and I would like to say that it has been amazing experience with sparkle buh these days I don’t know if it’s the app or the bank itself that has been having issues, like it glitches and I can’t even make transactions properly, I made a transaction which my client didn’t receive so I reported the transaction only for me to see that the app is unable to open my email. It’s very weird please and also sometimes it logs me out totally from the app which is very strange cause I haven’t seen that happened before. Please y’all guys should look into that issue and fix it buh other than that, it’s been an amazing experience with you guy and I am hoping you guys do better, thank you.",
          "author": "Prettyboii Snooze",
          "date": "5 Aug 2026"
        },
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          "title": "Loving it so far",
          "body": "Loving it so far. Don’t like to share my bank account number with everyone. Sparkle makes me feel even more safe with the ability and flexibility it provides it’s customers. Can’t wait to see upgrading the source funds for the sparkle account to no longer require a transfer but a secure connection to the bank account directly. This will improve the customer experience a lot.",
          "author": "adetoun24",
          "date": "5 Aug 2026"
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          "body": "I love everything including the customer service…if your receiver doesn’t receive the sent amount in time, if you make a complaint, it gets reversed in literally minutes….keep the good work up and keep my money safe most importantly",
          "author": "Spark12pro",
          "date": "5 Aug 2026"
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          "body": "If possible I will not have rate this app any star because it absolutely does not worth it at all... Imagine I transfer 40,540 naira to other banks and the funds have been deducted from my available balance and they’re not showing on my activities and my statement of account is claiming I have #40,540 as my available balance while my available balance it the app is showing me #490 I’ve sent mail to there support mail times without number I’m not getting any response since I’ve been stuck this without getting any response from the app even there Indy chat is responding out of what I’m saying entirely",
          "author": "Blackarab06",
          "date": "5 Aug 2026"
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      "version": "1.8.0",
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      "version": "1.8.1",
      "released_at": null,
      "notes": "Some updates that allow for easier Business Accounts onboarding and a few bug fixes"
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      "version": "1.9.0",
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      "notes": "Some sparkling updates that allow for seamless onboarding and a few bug fixes. Leave a review, we'd love to hear from you."
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      "version": "1.9.1",
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      "notes": "A few changes under the hood to keep our Sparklers sparkling through the holiday season. Our referrals got a makeover and our liveness detection has been made a lot easier to use."
    },
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      "released_at": null,
      "notes": "Sparkling News! Introducing an all new Business Account Creation design. Run your business with Sparkle"
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      "released_at": null,
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      "version": "1.9.6",
      "released_at": null,
      "notes": "After years of development fuelled by your feedback, we're excited to launch our easy-to-use Loans Feature, designed to empower your financial dreams! Experience instant decisions, customisable options, and a seamless application process. Dive in, explore, and let us help you soar toward your dreams!"
    },
    {
      "store": "apple",
      "version": "1.9.7",
      "released_at": null,
      "notes": "Esusu is Here! Hello, awesome Sparklers! Get ready to save and play with our brand-new feature: - Esusu Group Savings: Team up with friends to automate savings and take turns winning the pot. It's like a savings party every cycle! - Bug Fixes Galore: We've squashed pesky bugs for a smoother experience. Update now and join the fun!"
    },
    {
      "store": "apple",
      "version": "2.0.0",
      "released_at": null,
      "notes": "Pay Salaries Anytime! No need to wait for due dates! The \"Pay Salaries\" button is now always at your fingertips, letting you pay your team whenever you want. My people just got a whole lot smoother!"
    },
    {
      "store": "apple",
      "version": "2.0.1",
      "released_at": null,
      "notes": "New Features & Fixes! 1. Change Email: Lost access to your old email? No worries! You can now easily update your email address directly in the app, without needing to contact customer care. Stay in control of your account with just a few taps! 2. Address Verification Fix: You can now verify your address smoothly and level up your account tier without any errors. 3. Self-Help Login: Having trouble logging in? Submit a support ticket directly from the login page – no need to log into the app! 4. Login Fix: We’ve fixed those annoying login issues so you can access the app without having to restart it. 5. Next of Kin for Loans: Secure your loans by adding next of kin details like their phone number and address during the loan application process. 6. Phone Number Update: Our improved phone number validation ensures that you can add international numbers and receive OTPs accurately during onboarding. Enjoy all these new features and improvements – your Sparkle experience just got a major upgrade!"
    },
    {
      "store": "apple",
      "version": "2.0.2",
      "released_at": null,
      "notes": "We’ve made big improvements under the hood and on the surface, to give you a seamless feel throughout the bills journey, ensuring your bills experience is faster, smoother, and more delightful than ever."
    },
    {
      "store": "apple",
      "version": "2.0.3",
      "released_at": null,
      "notes": "Added a KYC update screen for improved compliance. Introduced OTP phone verification before loan acceptance. Loan terms can now only be accepted after successful OTP verification. Why This Matters Enhances security, ensures compliance, and creates a smoother, safer loan process for customers."
    },
    {
      "store": "apple",
      "version": "2.0.4",
      "released_at": null,
      "notes": "Unexpected logout issue fix Few bug fixes"
    },
    {
      "store": "apple",
      "version": "2.0.5",
      "released_at": null,
      "notes": "Referral code fix"
    },
    {
      "store": "apple",
      "version": "2.1.0",
      "released_at": null,
      "notes": "It's smarter, clearer, better. We’ve redesigned your Sparkle experience with a cleaner, more intuitive interface that makes everything easier to find, faster to use, and more accessible. Behind the scenes, we’ve also upgraded Sparkle’s architecture to a more reliable and scalable framework, improving overall performance, stability, and responsiveness across the app."
    },
    {
      "store": "apple",
      "version": "2.1.1",
      "released_at": null,
      "notes": "Bug fixes / Enhancement"
    },
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      "version": "2.1.2",
      "released_at": null,
      "notes": "Bug fixes / General Enhancement"
    },
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      "version": "2.1.3",
      "released_at": null,
      "notes": "Bug fixes / General Enhancement"
    }
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      "app_id": 1462870303,
      "name": "V by VFD",
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      "reason": "Same category + similar ratings"
    }
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}