{"app_store_id":1494856668,"slug":"carbon-mobile-banking-loans-1494856668","name":"Carbon: Mobile Banking & Loans","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/03/06/d6/0306d6db-1d2c-efc5-2713-045a1df50df7/AppIcon-0-0-1x_U007emarketing-0-11-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/carbon-mobile-banking-loans/id1494856668?uo=4","price":0,"currency":"USD","rating":4.46363,"rating_count":10241,"in_app_purchases":null,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Finance","version_date":"2026-10-07T22:25:10Z","updated_at":"2026-10-15T06:59:36.033Z","stale":false,"missing_since":null,"one_liner":"Digital bank app offering savings with interest, loans, Carbon Zero buy now pay later, and a Naira debit card.","verified_maker":false,"maker_site":null,"file_size_bytes":188724224,"minimum_os":"15.0","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/85/2b/1d/852b1d57-f20b-5542-66b9-93f188c58e45/777d99eb-cef9-4520-ad23-a6b765d2c6a7_Artboard_1.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/24/c9/af/24c9af0e-d138-81a6-c4a6-bf6d018bdac2/c1e35c59-47e6-48f7-9ba2-0c90eb834c41_Artboard_2.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/51/0c/42/510c42b7-57c6-11e0-4704-5e521bebe1d6/6db9edf6-b6b5-45b9-8e0c-8b7a1fe238ac_Artboard_3.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/6a/15/21/6a1521fe-4406-4a9e-302b-3cd726e7def9/f8e07c6d-fa1a-4acf-ae96-ccca6ed933f4_Artboard_4.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/89/fd/c3/89fdc388-3bb4-5aa1-02aa-c054675179ad/7b6f2ce8-ca7d-483d-a4a9-f5704a816265_Artboard_5.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/9d/8b/43/9d8b43c0-6bc9-b40a-12f7-1f92cbdd1aa7/dd30a26f-6818-48be-baaa-3d6febeca62c_Artboard_6.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/24/9e/f0/249ef0df-226b-9aba-31fd-7d28a8559358/cb0d7d88-3b7e-42f8-85e6-72cdfe67c984_Artboard_7.png/392x696bb.png"],"developer_name":"Carbon Finance and Investments Limited","editors_choice":null,"url":"https://apptierlist.com/apps/carbon-mobile-banking-loans-1494856668/","api_url":"https://apptierlist.com/api/v1/apps/carbon-mobile-banking-loans-1494856668","schema_version":"1.0","generated_at":"2026-10-20T11:47:13.481Z","data_as_of":"2026-10-20T06:30:12.097Z","description":"Total control of your finances is possible! Meet Carbon, a credit-led pan African digital bank that makes banking make sense, and your all-in-one app for easy money management.\n\nTrack and simplify your personal finances with our easy spending and payment options.\nSay goodbye to hidden bank charges, long queues and endless paperwork.\n\nCarbon's digital banking services are designed to change the way you bank, pay, spend and earn.\n\nEarn more when you save\nWith Carbon, your money is always working for you. Save smart and earn more with up to 20% interest per annum on your savings.\n\nGet loans that make sense\nWe've made loans easily accessible to help you reach your goals and stay in control.\nWhat you need to know about our loans:\n• Loan amounts range from ₦10,000 to ₦1,000,000 with repayment periods from 61 days to 12 months at monthly interest rates that range from 4.5% to 30%\n• Max APR: 195% per annum\n• No collateral or guarantor necessary\n• No hidden fees\n• Unlock higher loan amounts by repaying early and transacting regularly.\n\nRepresentative example: Loan of ₦1,000,000 borrowed for 12 months at 4.5% monthly interest. Total payable: ₦1,540,000. APR: 54%.\nLate fee: 0.03333% per day.\n\nA smarter way to buy now, pay later\nA smarter way to buy now, pay later at 0% monthly interest with Carbon Zero. Spread payments over 6 weeks or 4 monthly instalments for the things you love.\n\nWho needs cash when you've got the Carbon debit card #PinkPassport—your powerful, bold way to pay in Naira, anywhere.\nControl how your card works: set spend limits, block merchants, toggle ATM, POS, or online use—right from your dashboard.\n\nHere's why you'll love Carbon:\nYour Carbon account lets you do more than store money. Instead of fees, you earn 4% interest p/a on your average monthly deposits. Get instant loans of up to ₦1 million and smart saving options with returns up to 20% per annum.\n\nInstant loans whenever you need them\nWe've made access to credit easy and simple. Available 24/7, no collateral or guarantor needed.\n\nNo hidden fees ever\nYou can bank on our transparency. Carbon gives you a clear breakdown of your transactions.\n\nReal-time alerts\nWhere your money goes doesn't have to be a mystery. Get instant notifications for every transaction.\n\nFast, simple and secure payments\nSend and receive money instantly and enjoy automatic reversals on failed transactions.\n\nReliable customer support\nFocus on what matters—we're here for urgent queries. Reach us anytime through our support channels.\n\nYou're always in control\nFreeze your card, cancel it, reset your PIN, set recurring payments, and rename saved beneficiaries, all from your Carbon app.\n\nSafe and secure banking\nDeposits are NDIC-insured. Carbon Microfinance Bank is licensed and regulated by the Central Bank of Nigeria (RC: 1642222).\n\nCarbon products include:\n• Carbon savings\n• Carbon loans\n• Carbon Zero\n• Carbon debit cards (#PinkPassport)\n\nJoin over 5 million customers who trust Carbon to save, spend and manage their money on the go. Start banking with Carbon today.","facts":{"developer_id":1494856666,"developer_url":null,"first_released":"2020-02-06T08:00:00Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"5.3.4","release_notes":"Bug Fixes","rating_current_version":4.46363,"rating_count_current_version":10241,"star_counts":null,"genres":["Finance","Business"],"languages":["EN"],"content_advisories":null,"device_families":null,"chart":null},"freshness":{"apple_read_at":"2026-10-15T06:59:36.033Z","catalog_read_at":null,"reviews_checked_at":null,"summary_written_at":"2026-10-16T13:21:06.163Z","placed_at":"2026-10-15T10:35:36.321Z","scored_at":"2026-10-20T06:30:12.097Z"},"editorial":{"one_liner":"Digital bank app offering savings with interest, loans, Carbon Zero buy now pay later, and a Naira debit card.","what_is":"Carbon is a credit-led pan African digital bank app for managing personal finances, including savings, loans, and payments. The listing says savings can earn up to 20% interest per annum and loans range from ₦10,000 to ₦1,000,000. Carbon Microfinance Bank is stated to be licensed and regulated by the Central Bank of Nigeria.","good_for":["Saving money in an account that earns interest on deposits","Short-term loans without collateral or a guarantor","Spreading purchases over 6 weeks or 4 monthly instalments with Carbon Zero"],"pricing":"Carbon: Mobile Banking & Loans is free to download on the App Store.","faq":[{"q":"Is the app free to use?","a":"The app is free to download and no in-app purchases are listed. Loans carry interest: monthly rates from 4.5% to 30%, a maximum APR of 195% per annum, and a late fee of 0.03333% per day."},{"q":"Are my deposits protected?","a":"Deposits are NDIC-insured. Carbon Microfinance Bank is stated to be licensed and regulated by the Central Bank of Nigeria (RC: 1642222)."},{"q":"Do I need collateral to get a loan?","a":"The listing says no collateral or guarantor is necessary. It also says higher loan amounts can be unlocked by repaying early and transacting regularly."}],"model":"claude-haiku-5-5","created_at":"2026-10-16T13:21:06.163Z"},"memberships":[{"list":"banking","list_name":"banking","list_status":"active","list_url":"https://apptierlist.com/best/banking/","position":335,"tier":null,"score":65.1,"components":{"rating":80.3,"votes":80.1,"rank":0,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"provisional","judged_at":"2026-10-15T10:35:36.321Z"}],"main_list":"banking","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":103377,"at":"2026-10-15T10:35:36.321Z","kind":"membership_added","list":"banking","app_store_id":1494856668,"app":"carbon-mobile-banking-loans-1494856668","from":null,"to":"active","reason":"Described as a pan-African digital bank with savings at up to 20% interest, a debit card, and an all-in-one app for banking, paying and spending.","job":"shadow"},{"id":97159,"at":"2026-10-15T06:59:36.033Z","kind":"app_added","list":null,"app_store_id":1494856668,"app":"carbon-mobile-banking-loans-1494856668","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"banking","list_name":"banking","status":"active","review_status":"checked","position":335,"tier":null,"score":65.1,"components":{"rating":80.3,"votes":80.1,"rank":0,"recency":100},"ranks":[],"verdicts":[{"verdict":"keep","reason":"Described as a pan-African digital bank with savings at up to 20% interest, a debit card, and an all-in-one app for banking, paying and spending.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-15T10:35:36.321Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-15T10:35:36.321Z","attempts":1,"current":true}]}]},"data_version":38856,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/carbon-mobile-banking-loans-1494856668/"}}