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Now Live on iOS & Android

All your
Banking
needs and more,
in one app

Scath brings your entire financial life together — instant zero-fee transfers, intelligent bill splitting, exploring opportunities, invoice management, and exclusive rewards. Built for everyone, from every walk of life.

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Scath app on iPhone showing dashboard with wallet balance and quick actions
Powered by
Safe Haven MFB Safe Haven MFB
Licensed & Regulated by
Central Bank of Nigeria NDIC
🛡️ Deposits Insured

Six features.
One powerful app.

Built around your real financial life — not the other way around.

💸
Transfers

Zero-Fee Transfers. Always.

Send to any Nigerian bank — no charges, no catch. Every naira you send, they receive in full.

Get started
🍕
Split Bills

Settle group costs in one tap.

Dinner, trips, rent — Scath splits it, notifies everyone, and tracks who's paid.

Try it
🏆
Opportunities

Explore curated opportunities.

Discover exclusive offers and financial opportunities surfaced just for you.

Explore
Pay Bills

Every bill. One place.

Airtime, data, DSTV, electricity — all Nigerian providers, all in Scath.

Pay now
🧾
Invoice

Look pro. Get paid fast.

Create invoices in 30 seconds, send to clients, collect payment — without leaving Scath.

Create invoice
🎁
Earn Rewards

Refer friends. Earn real cash.

Not points. Not vouchers. Every referral that transacts puts money straight into your wallet.

Refer now
🔐
Security

Your money is always safe.

Biometric login, 256-bit SSL encryption, and real-time fraud monitoring — powered by Safe Haven MFB's regulated banking infrastructure. Your funds are protected at every step.

Learn more

Up and running in
under 3 minutes

No paperwork. No branch visits. No stress. Just download, verify, and you're banking.

1

Download & Sign Up

Get Scath from the Play Store or App Store. Create your account with just your name, phone number, and BVN. Your data is encrypted end-to-end from the first second.

2

Verify Your Identity

Complete our quick KYC in under 60 seconds — snap your ID and a selfie. Biometric authentication (Face ID / fingerprint) keeps your account locked to you alone.

3

Fund & Start Banking

Add money via bank transfer or card. Start sending, investing, splitting bills, and earning rewards immediately. Your Scath account number is ready instantly.

Real people. Real results.

Here's what Scath users across Nigeria have to say.

★★★★★

"The zero-fee transfers alone saved me over ₦15,000 last month. I run a small business and send money daily — Scath has become my most important tool. The app is fast, clean, and never crashes. Honestly, I tell everyone I know about it."

AO
Adeola O. Fashion designer, Lagos
★★★★★

"My friends and I go out every weekend and splitting the bill used to be a nightmare. With Scath, I just create a split, add everyone, and the app handles the rest. People get notified and pay directly. No drama, no awkwardness."

EM
Emeka M. Student, Abuja
★★★★★

"I explored an opportunity on Scath with just ₦5,000 to try it. Six months later I've seen consistent returns. The Explore section is beautiful — I check it every morning. Scath is genuinely the future of banking in Nigeria."

FK
Fatima K. Civil servant, Kano
★★★★★

"As a freelancer, the invoice feature is incredible. I look 10x more professional to clients, and collecting payment is seamless since they can pay directly through the invoice link. I've also earned good money from the referral program."

TN
Tunde N. Freelance developer, PH

Your financial freedom
starts today.

Join thousands of Nigerians who've made the switch to smarter banking. Free to download. Free to send. Built for all.