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.
Safe Haven MFB
Built around your real financial life — not the other way around.
Send to any Nigerian bank — no charges, no catch. Every naira you send, they receive in full.
Get startedDinner, trips, rent — Scath splits it, notifies everyone, and tracks who's paid.
Try itDiscover exclusive offers and financial opportunities surfaced just for you.
ExploreAirtime, data, DSTV, electricity — all Nigerian providers, all in Scath.
Pay nowCreate invoices in 30 seconds, send to clients, collect payment — without leaving Scath.
Create invoiceNot points. Not vouchers. Every referral that transacts puts money straight into your wallet.
Refer nowBiometric 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 moreNo paperwork. No branch visits. No stress. Just download, verify, and you're banking.
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.
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.
Add money via bank transfer or card. Start sending, investing, splitting bills, and earning rewards immediately. Your Scath account number is ready instantly.
Join thousands of Nigerians who've made the switch to smarter banking. Free to download. Free to send. Built for all.
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."
"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."
"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."
"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."
"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."
"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."