Pricing
Core banking from ₦30,000 a month
Transparent subscription pricing with no licence lump sum. Every plan includes hosting, daily backups, updates and support. Prices exclude VAT.
Starter
Single-branch MFIs, cooperatives and thrift collectors going digital for the first time
₦30,000 / month
₦300,000 per year (2 months free) · ₦350,000 one-off implementation
- Branches
- 1
- Users
- 10
- Customers
- Up to 5,000
- Customer onboarding, accounts and KYC records
- Teller cash deposit and withdrawal, tills and vault control
- Savings, current, fixed deposit and contribution products
- Cheque books, cheque deposits, standing orders
- Loan origination, approval, schedules and repayments
- Fund transfers and bulk multi-credit / multi-debit batches
- General ledger, journals, trial balance, balance sheet, P&L
- Expenses / payment vouchers with approval
Growth
Multi-branch MFIs and lenders with field officers on the road
₦50,000 / month
₦500,000 per year (2 months free) · ₦600,000 one-off implementation
- Branches
- Up to 3
- Users
- 30
- Customers
- Up to 25,000
- Customer onboarding, accounts and KYC records
- Teller cash deposit and withdrawal, tills and vault control
- Savings, current, fixed deposit and contribution products
- Cheque books, cheque deposits, standing orders
- Loan origination, approval, schedules and repayments
- Fund transfers and bulk multi-credit / multi-debit batches
- General ledger, journals, trial balance, balance sheet, P&L
- Expenses / payment vouchers with approval
Enterprise
State and national MFIs, cooperatives with many outlets and fintech lenders at scale
₦80,000 / month
₦800,000 per year (2 months free) · ₦1,200,000 one-off implementation
- Branches
- Unlimited
- Users
- Unlimited
- Customers
- Unlimited
- Customer onboarding, accounts and KYC records
- Teller cash deposit and withdrawal, tills and vault control
- Savings, current, fixed deposit and contribution products
- Cheque books, cheque deposits, standing orders
- Loan origination, approval, schedules and repayments
- Fund transfers and bulk multi-credit / multi-debit batches
- General ledger, journals, trial balance, balance sheet, P&L
- Expenses / payment vouchers with approval
Pay annually and get two months free. All prices exclude VAT. 14-day free sandbox before you commit.
Feature matrix
What each plan includes
| Feature | Starter | Growth | Enterprise |
|---|---|---|---|
| Customer onboarding, accounts and KYC records | |||
| Teller cash deposit and withdrawal, tills and vault control | |||
| Savings, current, fixed deposit and contribution products | |||
| Cheque books, cheque deposits, standing orders | |||
| Loan origination, approval, schedules and repayments | |||
| Fund transfers and bulk multi-credit / multi-debit batches | |||
| General ledger, journals, trial balance, balance sheet, P&L | |||
| Expenses / payment vouchers with approval | |||
| Bank reconciliation with statement import | |||
| Maker-checker approvals, audit log, reversal history | |||
| SMS, WhatsApp and email alerts (usage-billed) | |||
| PDF and Excel reports library | |||
| Field-officer Android app | — | ||
| BVN / NIN eKYC verification (usage-billed) | — | ||
| Credit bureau and credit score checks (usage-billed) | — | ||
| Loan repayment by direct debit | — | ||
| Multi-branch consolidation and branch reports | — | ||
| Dedicated database hosting | — | — | |
| Priority support line and named account manager | — | — |
What the implementation fee covers
The one-off implementation fee covers provisioning, branding, chart of accounts and product setup, staff logins and roles, migration of customers with opening balances, role-based training, a parallel run and two weeks of hyper-care after go-live.
It is a one-off fee that funds the implementation week and the hyper-care that follows, so the monthly subscription can stay low.
See the four-week plan →Add-ons and usage
- Additional branch (beyond plan allowance)₦15,000 per branch per month
- Additional staff users (Starter and Growth)₦2,500 per user per month
- Historical data migration₦200,000 per 5,000 customer accounts
- Full ledger, loan and transaction history from Excel or your existing database. Quoted after a two-day data assessment. Customers with opening balances are always included in implementation.
- SMS / WhatsApp alerts, BVN checks, credit bureau checksProvider cost via prepaid wallet
- Alert charges can be recovered from customers at a rate you set.
- On-site refresher training (after go-live)₦50,000 per day plus travel outside Lagos
- Self-hosted / on-premise licenceOn request
Pricing FAQ
Common questions about cost
How much does Zenus Banking Pro cost?
Plans start at ₦30,000 per month for a single-branch institution, ₦50,000 for multi-branch with the field app, and ₦80,000 for enterprise. There is a one-off implementation fee that covers setup, migration of customers with balances, training and go-live support. Annual billing gives two months free.
What does the implementation fee cover?
Provisioning your institution, branding, chart of accounts and product setup, staff logins and roles, migration of customers with opening balances, role-based training, the parallel run and two weeks of hyper-care after go-live.
Is there a free trial?
A 14-day sandbox loaded with sample data is provided free before you commit, with no card required.
Can we start with one branch and add more?
Yes. Upgrade the plan or add branches at any time; the change is pro-rated.
Are SMS alerts included?
Alert delivery is charged at provider cost from a prepaid wallet you top up. You can recover the charge from the customer's account at a rate you set.
Not sure which plan fits?
Tell us your branches, staff and customer numbers and we will recommend one, with a written quote covering everything.
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