Home / Savings
● Regular, Target & Ajo SavingsRegular, Target and Ajo Savings at a branch near you
Walk into any Osb branch and start saving with whatever you can afford. Every deposit is recorded, you get an SMS, and your money stays safe until you need it.
SAFE DAILY SAVINGS
Ajo without the risk of losing your money
Traditional Ajo and Esusu collectors have helped traders save for generations, but cash can go missing. Osb keeps the habit and removes the risk.
Every deposit is recorded digitally, confirmed by SMS and held with FCMB as custodian. Whether you sell in Ajah market or a rural market town, your savings are protected.
- ✓Instant SMS receipt for every deposit
- ✓Withdraw anytime to your bank or wallet
- ✓Save daily, weekly or whenever suits you
SAVINGS PLANS
Choose how you want to save
Regular Savings
An everyday savings account with no minimum deposit. Deposit and withdraw whenever you need to.
Get started →Target Savings
Lock your savings for 3, 6 or 12 months and earn 2%, 5% or 12% interest. From ₦100,000.
Get started →Ajo Savings
Contribute daily or regularly and take it out monthly. Fee: one day’s contribution a month, capped at ₦3,000.
Get started →PLAN DETAILS
Savings features at a glance
Ask at any branch for the full terms.
HOW IT WORKS
Start saving in five steps
Register
Walk in with a valid ID, or start online.
Choose your plan
Regular, Target or Ajo Savings.
Save daily
Deposit any amount; get an SMS each time.
Track your money
At the branch or online.
Withdraw
Cash out whenever you need it.
WHO WE SERVE
Built for the people who keep Nigeria running
Market women
Food sellers, fabric dealers and stall owners.
Artisans
Tailors, hairdressers, mechanics and welders.
Rural traders & farmers
Small traders and farmers far from a bank branch.
Cooperatives
Groups saving together towards shared goals.
FAQS
Savings questions, answered
How much do I need to start saving with Osb?
You can start with any amount you can afford. Regular Savings has no minimum deposit, and branch staff will help you pick a daily or weekly amount that fits your business. Target Savings starts from ₦100,000.