Download the AppInternet Banking

One Bank. One Transfer. Every Payment.

OneUtility MFB is a Digital Bank with registration number 1084813 and regulated by the Central Bank of Nigeria to offer banking services. Deposits are insured by the Nigerian Deposit Insurance Corporation (NDIC).

FOR YOU

  • Personal Banking
  • Cards
  • Loans
  • Savings
  • Investments
  • Kiddies & Teens

FOR BUSINESS

  • Business Banking
  • Branch & Team Mgt.
  • Investment
  • Business Cards
  • Collections
  • APIs & Integrations
  • Business Loans

UTILITY BANKING

  • Utility Banking
  • Utility Cards
  • Utility Loans
  • Asset & Infrastructure Financing
  • Green Lending

1UBANK

  • About Us
  • Contact Us
  • Investor Relations
  • Careers
  • Blog
  • Press & Media
  • Privacy Policy
  • Request Account Deletion

Get the app

4u@oneutilitymfb.com
+234 813 129 4306, +234 913 6666 700
+234 913 6666 700

© 2026 OneUtility MFB. All rights reserved.

Put Idle Funds to Work

Grow your surplus business funds while maintaining the security your business deserves. Our investments offer competitive returns and flexible tenures to help maximize your earnings.

Start Investing
A woman reviewing investment growth charts on a tablet at her desk
Debit CardVirtual CardUtility CardCredit CardDebit CardVirtual CardUtility CardCredit CardDebit CardVirtual CardUtility CardCredit Card
Debit CardVirtual CardUtility CardCredit CardDebit CardVirtual CardUtility CardCredit CardDebit CardVirtual CardUtility CardCredit Card

Benefits

  • Attractive returns
  • Flexible tenures
  • Guaranteed returns at maturity
  • Automatic renewal option
  • Safe investment backed by a regulated financial institution

A Simple Way to Grow Business Funds

Put idle funds to work in a few simple steps, with guaranteed returns at maturity.

1

Choose Your Amount

Decide how much surplus business funds you want to put to work.

2

Select Your Tenure

Pick a fixed term that matches your business's cash flow needs.

3

Earn Returns

Your funds earn a fixed rate of return for the duration of the investment.

4

Receive Your Payout

Get your principal and returns at maturity, or renew automatically.

Start Investing

Investment Calculator

Fixed-term maturity modeling

₦NGN

Fixed by the bank — not editable.

Maturity Value

₦1,150,000

Investment Amount₦1,000,000
Total Returns₦150,000
Maturity Value₦1,150,000
Start Investing

Indicative only, at a fixed rate of 5% per month.

Ready to Grow Your Business?

Whether you’re opening your first business account, expanding operations with financing, or investing surplus funds, we’re here to support every stage of your journey.

Illustration of coins growing into plants, representing business growth

Frequently Asked Questions

Additional deposits may require opening a new investment or renewing at maturity, depending on the product terms.