Banking For Better Living

We are a microfinance bank licensed by the Central Bank of Nigeria. Our mission is to use digital banking tools to make life easier for our customers anytime, anywhere and anyhow. We focus on individuals and small businesses.

Our Focus

A better life with Jufopay

Jufopay provides a gateway to a better life for the financially excluded..

Our focus is to enable equitable penetration of mobile wallets, accounts, payments and financial services that would directly have an effect on their living standards, reduce poverty and make way for social enterprise empowerment.

Introducing JufoPay by Novel MFB

A better life with Jufopay

Jufopay is our online realtime solution which enables our customers to transfer money, settle bills, buy things online and make payments for essential goods and services.

You can download Jufopay on to your mobile phone, tablet or access from your computer. That way, your bank is with you always and at your fingertips.

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Why use Jufopay?

This is the reason why we do what we do. Changing lives community by community.

I supply raw materials to manufacturing companies. Sometimes I don’t have enough money to service my purchase orders and Jufopay makes it easy with the Vendor LPO financing loan.

Sylvanus Adoche

Business Owner

I can subscribe my cable-TV and electricity from anywhere, as long as I have my mobile phone it is easy and convenient to take care of my utility bills.

Aisha Ali

Hotel Manager, Abuja

I live in the outskirt of Lagos, I usually come to the central market once in a month to buy goods in small quantities and retail in my shop. Becoming a Jufopay Agent helps me create multiple income and I thank God for the opportunity.

Iyabo Gbadamosi

Petty Trader

The nearest ATM close to my hostel in school is about 20minutes walking distance. Always flooded with queues and may not even be working at the time you get there. Becoming a Jufopay Agent in my school has been nothing but a blessing.

Hassan Bello

Federal University of Technology, Minna

What you can do with Jufopay

Enjoy 1.5% discounts on airtime recharges

Pay Utility Bills

Pay Utility Bills

Make utility bill payments from the comfort of your homes or on-the-go. Pay for your cable TV, electricity, Internet, education, and more.

Fast & Secure Transfers

Fast & Secure Transfers

With Jufopay, you can send and receive money to other banks instantly. All you need is to download the app to get started..

Become an Agent

Become an Agent

Become a bank for your neighbourhood. With Jufopay POS terminals, you can offer deposit/withdrawal services

Airtime / Data

Airtime / Data

Get 1.5% discounts each time for your airtime purchase on the Jufopay app. Do more with Jufopay with ease!

Upgrade to  Business

Upgrade to Business

Collect payments, take overdrafts, access low interest loans with flexible repayment models

Offline Banking

Offline Banking

No smartphone? No problem!. Our USSD service enables offline transactions across all financial services

Getting Started On Jufopay



Simply sign up with your phone number or email address in less than 3mins to get started on Jufopay


Verify Account

Update your account with a secure code sent to your email/mobile number to unlock your access


Access to More

Now you have just joined the cool tribe, you can upgrade to become an agent, or own a business account to enjoy new possibilities

Trusted by many people across Nigeria

Becoming a Jufopay Agent was easy and their network is always available. The customer service is quick to support me.

quote iconIyanabo MarketMrs. Orifunke