Face or fingerprint
Unlock with the biometrics your phone already trusts. The app locks itself again the moment it goes idle.
Security
Your money, and the locks on it
Everything below is on by default from your first sign-in. None of it is a setting you have to go and find.
9:41
Send money
Sending to
O
OBINNA C. EZE
GTBank · 0123456789
Amount
₦25,000
Fee ₦26.88 · Balance ₦248,350.00
Daily limit used₦25,000 / ₦5,000,000
Confirm with PIN
Arrives instantly · NIP
Security
Locked down by default
Not a settings page you have to go and find. The protections are on from the first sign-in, and you can see exactly what they are.
A PIN on every payment
Money never moves on a tap alone. Every transfer and every bill is authorised with your transaction PIN.
Devices you can see
Every signed-in device and session is listed in your Security Centre, and you can revoke any of them from anywhere.
Encrypted, logged, auditable
Traffic is protected with 256-bit encryption, and every action on your account is written to an audit trail.
Verified devices
A new device has to be verified before it can move money, even with the right password.
You'll know immediately
Sign-ins, transfers and bill payments all raise a push notification the moment they happen.
Your side of it
Four habits worth keeping
We handle the encryption and the audit trail. These four are the ones only you can do.
Never share your PIN
Nobody from KoboVault will ever ask for it — not by phone, not by email, not in a chat. Anyone who does is not from KoboVault.
Check the device list
Your Security Centre lists every session. If you don't recognise one, revoke it — it signs out immediately.
Turn on biometrics
It's faster than a PIN and it means a stolen phone with an unlocked screen still can't move your money.
Read the alerts
Every sign-in and every payment raises a notification. That's your early warning, so don't mute them.
Questions
The things people actually ask
If it isn't here, write to us — a person answers.
KoboVault is a digital banking app. Customer funds are held by a licensed financial institution, and the details of that arrangement are published in full before accounts open to the public.
Open an account you can lock down
Email and a phone number gets you started. Add your BVN or NIN when you're ready to move more.
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