The seed · 2016
Licensed by the Central Bank of Nigeria with one promise: banking for the people the system overlooked.
Celebrating 10 years of
financial excellence.
Ten years. Real impact.
10
years strong
Licensed since 2016
₦30bn+
disbursed in loans
into real Nigerian lives & businesses
1,000+
women & girls inspired into tech
through our partnerships
400+
partner hospitals
on Pecan Plus nationwide
The journey so far.The road still rising.
Taking root
Branches of trust grew, traders, founders and families who'd never been inside a banking hall became customers with names we knew.
Going digital
The Pecan app and USSD banking arrived. Suddenly the bank fit in a pocket, and the queue disappeared.
Stronger roots
Recapitalised and rebuilt for scale, with Pecan Plus health insurance and the SHE framework joining the family.
Pecan at 10 · 2026
₦30bn+ disbursed. A community of believers. A decade of impact, and a next chapter already being written.
The next decade is bigger than banking.
Moving millions of Nigerians from financial access to financial resilience, and taking the model across Africa. That's the work. That's the why.
What Pecan does
Loans
Fast, flexible loans for traders, SMEs, and salary earners.
Ajo & Target Savings
Group savings and goal-based savings, designed around the way Nigerians actually save.
Fixed Deposit
Lock your money in. Earn meaningful returns. Take it out when it matures.
Pecan Plus
Health insurance from ₦1,000 a month, for everyone. 400+ partner hospitals.
Debit Card
A premium Verve debit card that works at every Nigerian POS and ATM.
Kiddies & Corporate
Accounts built for the youngest savers and the businesses they grow into.
The framework
SHE, Savings · Health · Education.
S, Savings
Built around how Nigerians actually save.
Ajo. Target. Kiddies. Corporate Ajo. Culturally rooted savings products so no one is left behind when the formal system gets intimidating.
Start saving →H, Health
Pecan Plus, health insurance from ₦1,000/month.
Hospitalisation. Outpatient care. Prescription drugs. Telemedicine. 400+ partner hospitals across Nigeria. For every family member.
Get covered →E, Education
Financial literacy that actually moves people forward.
Online and physical programmes. Pad a Girl. Tech sponsorships. Free workshops with partners who share the mission. Knowledge is the missing capital.
See programmes →Loan calculator · live
See your repayment before you apply.
Loan calculator
5% / mo₦50k₦5M
1 mo12 mo
Monthly repayment₦108,333
Total payable₦650,000
10 years of giving back
Real partnerships.
Pad a Girl
Menstrual hygiene awareness and support, keeping girls in school with dignity.
She Leads Africa × Pecan
Equipping women entrepreneurs with business tools, expert insights, and funding to scale.
Pecan Plus, in the market
Free health checks and ₦1,000/month micro health insurance, right where Nigerians trade.
Smart Start · Summer Academy
Give your child a real head start.
Money and life skills, learned inside a real banking environment. For ages 8 to 16, free, with a Certificate of Completion.
Enrolment open all AugustRegisterWe reviewWe schedule your child’s start
Register Your ChildYou’re not too young. Start early.
The card that lets you flex.
Get your Pecan card
The people behind the bank
Meet the management.
Adekunle Karounwi
Head of Credit
Peace Martins
Finance Manager
Dare Oguntoyinbo
Head of Risk & Compliance
Licensed by the Central Bank of Nigeria
Deposits insured by NDICNDPRData protection compliant
AXAPecan Plus in partnership with AXA Mansard