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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).

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The Easiest Thing You'll Do Today.

Your everyday payments, simplified. Just make one bank transfer and we'll take care of the rest.

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What if one bank transfer could take care of your everyday utilities?

That is Utility Banking.

1U connects the utilities you use every day to your banking experience, giving you one place to manage your payments, money and the services that keep life moving.

With a Utility Account Number, paying is simple: make one bank transfer and your payment is automatically processed for the utility linked to the account.

Open An Account

What Is Utility Banking?

Traditional banking gives you an account for your money. Utility Banking goes a step further by giving the services you pay for a place within your banking experience.

Your electricity meter, airtime line, transport account, tax payments and other utilities can be connected to your banking relationship through a Utility Account Number.

Instead of dealing with different payment details for different services, each utility can have its own account number that you can pay directly, by making a transfer from any bank.

One relationship, every utility

Electricity MeterUtility Account
Airtime LineUtility Account
Transport AccountUtility Account
Tax PaymentsUtility Account
And more…Utility Account
1

Retrieve the number

Get the Utility Account Number for the bill you want to pay.

2

Make a transfer

Send a bank transfer to that account, from any bank.

3

It's paid, automatically

The amount is used to process the linked utility payment.

Convert Utilities Into Bank Account Numbers

A Utility Account Number gives your utility a unique identity within OneUtility Bank.

Simply retrieve the account number for the utility you want to manage. Once you have it, you can make a bank transfer to that account whenever you need to pay your bill.

The amount transferred is automatically used to process the payment linked to that utility.

One transfer, then forget it.

It's the small relief that turns busy days into calm ones, so you can focus on living rather than remembering.

Pay The Easy Way
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The Bills Take Care
of Themselves.

It's easy for small things to slip through the cracks. Never let a missed reminder or forgotten date interrupt your plans.

Never Miss a Payment
SeptemberAll scheduled

Schedule all your bills

All Scheduled bills will be paid as at when set

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Separate What Matters.

Set aside funds for the things that matter, manage recurring needs with ease, and stay in control of your household spending without affecting your main account.

Organize Your Spending

Stay Ahead, Even
When Things Get Tight.

Get the support you need to keep essential payments on track, with funds directed straight to where they're needed so you can stay focused on what matters.

Stay On Track
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Why Utility Banking Matters

Your money already moves across dozens of everyday services. Utility Banking connects those movements.

Rather than treating every bill, subscription or service as a separate payment task, OneUtility gives each one a place within your banking experience.

That means less to remember, fewer payment processes to navigate and a simpler way to keep up with the services you use every day.

Banking Built Around Your Real Life

Utility Banking is our niche because everyday utilities are more than bills. They are part of how people live and how businesses operate.

OneUtility brings these everyday financial needs into banking, creating an experience built around the way money actually moves.

Frequently Asked Questions

It is a dedicated account number linked to a specific utility or biller record. Once created, money transferred to that account is automatically used to process the linked payment.

Life, Uninterrupted.

Your essentials, your future, always taken care of — from everyday needs to the support that helps you grow.

Get Started TodayDownload the App
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Recent transactions: inflow from Dolapo Emmanuel and outflow to Ojo Jimoh