Three ways to grow it.
One place to watch it.
Lock a lump sum away for 30 or 60 days at a rate you can see, keep it on call and take it back any day, or buy shares on the Nigerian Exchange. Every rate is quoted before tax, every payout after it and every fee before you buy.
10,000+ investorsIndividual and corporate, across Nigeria
Pick your risk. We will not blur the difference.
Two plans pay a rate published before you commit, each priced below after tax. Stocks pay none, and their card is the dark one for a reason.
- Fixed depositFIXED RATEBPMPBeige Premium Money Plan13.38% – 19.65%p.a. before 10% withholding tax, by term and amount
A lump sum placed for 30 or 60 days at a rate fixed the day it is approved. What lands in your wallet at maturity is known before you commit.
- Terms
- 30 / 60 days
- Minimum
- ₦1,000,000.00
Interest over 30 days on ₦1,000,000.00- Interest at 13.38% p.a.
- ₦10,997.26
- Withholding tax (10%)
- −₦1,099.73
- You get back
- ₦1,009,897.53
Capital is at risk and returns are not guaranteed; BPMP is not a bank deposit. Ending a BPMP early forfeits 50% of accrued interest plus a processing fee (provisional terms), shown before you confirm.
- Call depositNO LOCK-INBCPBeige Call Plan19.00%p.a. before 10% withholding tax, earned daily
Money that earns every day and stays yours to take back whenever you need it. No notice, no term, nothing given up.
- Access
- Withdraw any day
- Minimum
- ₦1.00
Est. monthly interest on ₦1,000,000.00- Interest at 19.00% p.a.
- ₦15,616.44
- Withholding tax (10%)
- −₦1,561.64
- Interest after tax
- ₦14,054.80
Capital is at risk and returns are not guaranteed; BCP is not a bank deposit. BCP has no lock-in. Withdraw any time, with the interest you have earned, and nothing is given up.
- Listed sharesNEWStocksNo fixed returnthe market sets the price
Buy and hold shares listed on the Nigerian Exchange, paid for from the same wallet. Prices move both ways, and you decide when to sell.
- Market hours
- 10:00 – 14:30 WAT
- Commission
- 1.35%
- Regulatory fees
- 0.32%, at cost
- Minimum
- None
- Settlement
- T+1 to your bank
You can lose money. Share prices move both ways: no rate, no maturity date, no guaranteed outcome.
Own the companies you already buy from.
Dangote, MTN, GTCO, Airtel. Buy and hold shares on the Nigerian Exchange from the same wallet as your BPMP and BCP — with the commission, the regulatory fees and the settlement date all shown before you place the order.
- Listed tickers
- 59
- Across every NGX sector
- Commission
- 1.35%
- Plus regulatory fees, at cost
- Settlement
- T+1
- Sale proceeds to your bank
- ZENITHBANK11.4M traded₦42.75↓0.23%
- GTCO9.1M traded₦58.20↓0.86%
- MTNN3.8M traded₦233.94↑0.41%
- DANGCEM1.2M traded₦742.50↑1.16%
- 100 DANGCEM at ₦742.50
- ₦74,250.00
- Commission · 1.35%
- +₦1,002.38
- Regulatory fees · 0.32%
- +₦237.60
- Total from your wallet
- ₦75,489.98
Your wallet funds the purchase. The shares register at the CSCS under your CHN on settlement, T+1 — the next business day. You can lose money; shares carry no fixed return.
Not another plan. Someone to plan with.
The Beige Club is not a savings plan. It is premium access for members, by invitation: personalised wealth strategy, worked out with a person rather than a product page.
Once your account is open, request an invitation from the app. We reply within two business days.
- A dedicated wealth manager
- Portfolio strategy sessions
- Priority rates & early access
- Private events
Ten thousand people, three reasons.
Lagos Island · Photo: Jamie Tubers BPMP · 60 daysI knew what would land in my wallet, tax and all, before I moved a naira. That is the whole reason I switched.
Placeholder nameArchitect, Lagos
Ibadan, from Mapo Hall · Photo: Kaizernify BCP · on demandMy emergency money earns something every day now, and it is there the morning I need it. Nothing to break open first.
Placeholder nameTeacher, Ibadan
Aso Rock, from Katampe Hill · Photo: Kritzolina BPMP and BCPA fixed term for the money I will not touch, and the rest on call. Both on one screen is what I wanted.
Placeholder nameFounder, Abuja
Nothing moves without you asking.
The habits that cost people money are rarely dramatic. They are defaults, quietly set in someone else’s favour. These are ours, and they are all set the other way.
- No automatic rolloverNothing rolls over on its own. A matured BPMP comes back to your wallet as cash unless you say otherwise; we will not reinvest it to keep it with us.
- No payout quoted before taxRates are published before 10% withholding tax. Every amount we tell you that you will receive is after it, with the tax shown on its own line.
- No hidden penaltyLeaving a BPMP early costs something, and the exact figure is calculated and shown before you confirm, never after. Leaving BCP costs nothing.
- No withdrawal fee from usThe interbank levy is passed through at cost. KIBA takes none of it, and the arithmetic is on screen.
- No account but your ownWithdrawals go only to a bank account in your name, verified with the bank, and each one is approved with your PIN. Even with your password, nobody can redirect your money.
Not with us, as it happens.
Scheme assets are held by a licensed trustee in accounts separate from Beige Africa’s own. If Beige Africa ceased to exist tomorrow, your holdings would not be ours to lose.
- 01SEC registeredBeige Africa is a fund manager registered with the Securities and Exchange Commission, Nigeria.
- 02Trustee-held assetsScheme assets sit with an SEC-licensed trustee in accounts separate from Beige Africa’s own, not pooled with company funds.
- 03NDIC insured cashWallet balances are held with a partner bank and carry NDIC deposit insurance at the bank level.
- 04Shares in your nameShares are registered at the CSCS under your own CHN, so you can move them to another broker whenever you like.
- 05Your PIN on every moveEvery investment and every withdrawal is approved with your four-digit PIN, so a password on its own cannot move your money.
Four minutes to sign up. Then the figures are yours to check.
Your BVN and date of birth, usually checked at once and otherwise within 24 hours. Read every rate and see exactly what a plan would pay you, after tax, before you commit a naira.
