Agric
Harvest-timed loans reach 6,000 Plateau farmers
Repay after you sell, not before.
The money journey
Watch ₦100,000 move through Jos.
Scroll to follow one month of an example salary at Ardent: where it lands, what it pays for and how it keeps working in Plateau.
In current₦0
Saved₦0
Spent in Jos₦0
01 / Accounts
Four ways to bank with Ardent
Open in ten minutes at any branch, with an agent at your shop, or in the chat on this site.
Everyday current₦0
Pay and get paid
No monthly fee, free transfers, a debit card the same day.
Ardent Grow12%Save without thinking
Rules that save for you, paid monthly, example rate.
Loans₦50k+Borrow fairly
Salary, SME and agric loans, reducing balance.
Business48hRun your shop
POS in 48 hours, collections and payroll.
02 / Ardent in numbers
A bank the size of Plateau
214kcustomers, from Rayfield to Riyom
9branches in Plateau, Abuja and Kaduna
1400agents in shops and markets
₦38bnlent to Plateau businesses (example)
03 / Plateau
Banking that knows the plateau
Traders
Agents visit Terminus, Katako and Bukuru markets on fixed days to collect cash, so stalls never close for a bank queue.
Farmers
Input loans for Irish potato, tomato and maize, timed to the harvest, not the calendar.
Families
School fee plans, savings rules for children and free transfers to relatives anywhere in Nigeria.
Students
Youth accounts for university students with no balance to keep and a card on day one.
04 / Any phone
*000#
Bank on any phone, no data needed
Balance, transfers, airtime, bills and card freeze from the simplest handset. Try the simulator on the digital banking page.
Try the USSD simulator05 / Rates
Example rates, in plain sight
| Product | Rate |
|---|---|
| Ardent Grow savings | 12% a year |
| Fixed deposit, 30 days | 14% a year |
| Fixed deposit, 90 days | 16% a year |
| Fixed deposit, 365 days | 19% a year |
| Salary loan, from | 28% a year |
Example rates for this demo. They are not an offer and can change.
All rates and charges06 / Exchange
Today’s counter rates
| Currency | We buy | We sell |
|---|---|---|
| USD | ₦1,538 | ₦1,562 |
| GBP | ₦2,010 | ₦2,052 |
| EUR | ₦1,768 | ₦1,806 |
| XOF | ₦2.62 | ₦2.74 |
Example rates, updated from the COVORN apps.
Currency converter“When the market floods with tomatoes, my Ardent agent still comes on Thursday. My money is safe and my stall stays open.”
“The input loan arrived in April and I paid it back in September, after the potatoes sold.”
“I opened my Grow account in the chat at night and picked my card up at Rayfield the next morning.”
07 / Branches
Nine branches, fourteen hundred agents
Live hours are on the branches page. Example addresses for this demo.
Call our AI line, answered day and night in Nigerian English
It checks balances, freezes cards, books branch visits and hands you to a person on the team when you need one. Example details for this demo.
08 / News
From the newsroom
Markets
Agents now visit eleven markets every week
Cash collection without closing the stall.
Community
Ardent scholarships for 120 Plateau students
Applications open in January.
Next
Open an account tonight, collect your card tomorrow
In the chat, on this site or at any branch. Bring your ID and BVN.