How can we help you today?

AppFocus Cooperative Multi Purpose Society Limited is a registered financial cooperative dedicated to empowering members with accessible financial services including savings, loans, investments, payments, and USSD services. We serve members across Nigeria with a commitment to financial inclusion and community development.

Download the AppFocus app from Google Play Store or Apple App Store, complete the simple registration form, verify your phone number, and provide required documents. Your account will be activated immediately after verification, and you can start saving, investing, and accessing loans right away.

No, there is no fee for becoming a member or opening an account with AppFocus. We believe in making financial services accessible to everyone without barriers.

You will need a valid government issued ID (National ID, Driver's License, Voter's Card, or International Passport), a recent passport photograph, proof of address (utility bill or tenancy agreement), and your Bank Verification Number (BVN). All documents can be uploaded directly through the app during registration.

You can check your balance through our mobile app, via USSD by dialing our code, through SMS alerts, by calling our customer service, or by visiting any of our office locations. Your balance is always available and up to date across all channels.

Yes! You can open multiple accounts to suit different financial goals, such as separate accounts for savings, investments, or daily expenses. Each account can have its own settings and purpose to help you manage your finances better.

Visit our office with a valid ID, or contact our customer support team at hello@appfocusng.com or call (+234) 811 063 5848. For security reasons, some changes may require you to visit our office in person with proper identification.

Account verification is usually instant once you provide your BVN and required documents. In some cases, it may take up to 24 hours for manual review. You will receive a notification once your account is fully verified and ready to use with full access to all services.

You can transfer money through our mobile app, via USSD, or at our office. Transfers to other AppFocus members are instant and free. Transfers to other financial institutions are processed immediately and work with all Nigerian accounts.

Transfer limits depend on your account type and verification level. Fully verified accounts have higher limits. Contact us for specific limits on your account or to request an increase based on your needs and account history.

Don't worry! Failed transactions are typically reversed within 24 to 48 hours automatically. If the money has not been returned after 48 hours, contact us immediately at hello@appfocusng.com or call (+234) 811 063 5848 with your transaction reference number and we will resolve it promptly.

Yes! You can pay for electricity, airtime, data, TV subscriptions, and other bills through our mobile app or via USSD. Simply select the service you want to pay for, enter the required details, and confirm the payment. All transactions are instant and secure.

USSD allows you to perform transactions using simple codes on your phone without internet connection. You can check your balance, transfer money, buy airtime, pay bills, and access other services by simply dialing our USSD code from any mobile phone.

Dial *XXX*XX# to access AppFocus USSD services. This code works on all mobile networks in Nigeria and gives you instant access to your account without needing internet or the mobile app.

Yes! USSD works on all phones, including smartphones and basic feature phones, across all mobile networks in Nigeria. You do not need a smartphone or internet connection to use USSD services.

USSD is automatically available once your account is active. Simply dial our USSD code from the phone number registered with your account. You will be prompted to set up a USSD PIN on first use for security purposes.

Simply log into your AppFocus app, navigate to the Loans section, select your desired loan amount and repayment period, and submit your application. Approval is typically instant for qualifying members, and funds are disbursed directly to your account within minutes.

We offer personal loans, business loans, emergency loans, and cooperative group loans. Each loan type is designed to meet specific needs with flexible repayment terms ranging from 1 to 12 months depending on the loan amount and your membership history.

Requirements vary by loan type, but generally include an active AppFocus account, valid identification, proof of income or business activity, and a good repayment history if you have borrowed before. For group loans, membership in a registered cooperative is required.

Loan approval at AppFocus is fast and straightforward. For most loan types, once you submit your complete application with all required documents, approval typically takes just a few minutes. For existing members with good repayment history, approval can be instant. We understand that when you need funds, time matters.

We offer Regular Savings (save flexibly at your own pace), Target Savings (lock funds toward specific goals), Automatic Savings (save a percentage of every transaction), and Group Savings (traditional daily contribution scheme with progressive loan access).

With automatic savings, you set a percentage like 5% or 10%, and every time you spend money from your account, that percentage is automatically transferred to your savings. For example, if you spend ₦1,000 with 5% automatic save enabled, ₦50 goes straight into your savings without you thinking about it.

Yes! All savings accounts with AppFocus earn competitive interest rates starting from 10% per annum. Your money grows while it remains safe with us. Contact us for current interest rates on different savings products and to find the best option for your goals.

Target savings are designed to help you stay disciplined and reach your goals. Once you lock funds in a target savings plan, they remain locked until you reach your target amount or date. This helps you avoid the temptation to withdraw early and ensures you achieve your financial goals.

Absolutely! AppFocus Cooperative Multi Purpose Society Limited is a registered financial cooperative. All member deposits are protected under our cooperative insurance scheme, giving you complete peace of mind. We also employ industry standard security measures to protect your account.

You can reset your PIN through our mobile app by tapping "Forgot PIN" on the login screen, via USSD, or by visiting our office with valid identification. For security reasons, you will need to verify your identity before resetting your PIN.

Contact us immediately at (+234) 811 063 5848 or email hello@appfocusng.com. We will investigate and take immediate action to secure your account. Change your PIN and password right away if you suspect unauthorized access.

Contact us immediately by calling (+234) 811 063 5848 or emailing hello@appfocusng.com. We will freeze your account immediately, investigate the issue, and help you secure it. Change your PIN and password right away and do not share your account details with anyone.

We offer fixed deposit investments, mutual funds, and cooperative investment schemes. Each option is designed to help you grow your wealth with competitive returns and flexible terms ranging from 30 days to 365 days depending on your investment goals.

You can start investing with as little as ₦5,000. We believe everyone deserves access to financial growth opportunities regardless of their starting point. The more you invest, the better your returns.

Investment returns vary based on the product and duration. Our fixed deposits offer competitive interest rates that are higher than regular savings accounts. Contact us for current rates and to discuss which investment option best suits your financial goals and risk tolerance.

Investment products have specific terms agreed upon at the time of opening. Early withdrawal may be possible but could result in reduced interest or penalties. We recommend letting your investment mature fully to maximize your returns. Contact us to discuss your specific situation.