YES Microfinance Bank · CBN Licensed · NDIC Insured

Earn up to 20% per annum on your naira

YesYield is the investment feature of the Yes Microfinance Bank backed by a CBN-licensed, NDIC-insured bank. Download the app and start earning in minutes.

NDIC InsuredNigeria Deposit Insurance Corp.

CBN RegulatedCentral Bank of Nigeria

Download the YES MFB App to start

Get it on Google Play

Download on the App Store

9:41 ▲▲▲ WiFi ◼

Total Portfolio

₦250,000

▲ +₦15,833 earned this year

Current Rate

20% p.a.

YesFixed · 365 Days 20% p.a.

₦200,000 invested 65% matured

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Why YesYield

A real bank behind every naira you invest

YesYield is not a startup — it is the investment feature of YES Microfinance Bank, licensed by the CBN and insured by the NDIC. Your deposit is protected by the same rules that govern every bank in Nigeria.

CBN Regulated

YES MFB operates under full CBN supervision. Audited, compliant, and accountable.

NDIC Insured

Your deposits are insured by the Nigeria Deposit Insurance Corporation for extra protection.

Up to 20% p.a. Guaranteed

Your rate is contractually fixed from the day you invest. No surprises, no hidden conditions.

Everything on the YES MFB App

Open, fund, and track your investment from the YES MFB app. Available on Android and iOS.

Sample YesFixed — 365 Days

₦120,000

₦100,000 invested at 20% p.a.

Principal₦100,000

Interest earned+₦20,000

Rate20% per annum

Term365 Days

PayoutAt maturity

Minimum₦1,000

NDIC Insured · CBN Regulated — YES Microfinance Bank

Investment Products

Choose the product that fits your goals

All YesYield products are available on the YES MFB app, backed by a CBN-licensed and NDIC-insured bank.

Flexible

YesFlex

14%

per annum

Save and earn with flexibility. Access your funds anytime you need them.

Flexible withdrawals
No lock-in period
Earn 14% p.a.
Ideal for emergency savings

Fixed-term rates at a glance

The longer you invest, the more you earn. All rates are per annum and guaranteed from your start date.

Term	Interest Rate (p.a.)	Feature
30 Days	16%	Short-term growth
60 Days	17%	Medium-term savings
90 Days	18%	Quarterly returns
180 Days	19%	Half-year growth
365 Days ⭐	20% Best Rate	Maximum returns

* Rates are fixed and guaranteed for the selected term. Minimum investment ₦1,000. Interest paid at maturity. Available on the YES MFB app.

Returns Calculator

See exactly how much you'll earn

Enter your investment amount and select a plan to see your projected returns — then download the app to get started.

Investment Amount (₦)

₦

Investment Term

Your Returns

—

Principal invested—

Interest rate (p.a.)—

Term—

Total Payout —

To invest, download the YES MFB app on Android or iOS

📊

Enter an amount above to see your projected earnings

How It Works

From download to earnings in four steps

Open your YesYield investment entirely on the YES MFB app — no branch visit, no paperwork.

Download the YES MFB App

Get the YES MFB app from Google Play or the App Store. Free to download on Android and iOS.

Create Your Account

Fund & Pick a Plan

Transfer from any Nigerian bank. Choose YesFlex, YesFixed, or YesTarget and lock in your rate.

Watch It Grow

Track your earnings in real time on the app. Receive your principal plus interest at maturity.

Get the App

Download YES MFB app to start investing

All YesYield investment products are accessed through the YES MFB mobile app. Available free on Android and iOS.

Get it on Google Play

Download on the App Store

⚡

Open an investment in under 5 minutes

📊

Real-time portfolio tracking

See your balance, accrued interest, and maturity dates at a glance on your dashboard.

🔒

Bank-level security

Biometric login, end-to-end encryption, and CBN-mandated security standards protect your account.

🔔

Instant transaction alerts

Get notified the moment interest is credited or a plan matures. Stay in control at all times.

FAQ

Frequently asked questions

YesYield is the investment feature of the YES MFB mobile app, provided by YES Microfinance Bank — a bank licensed by the CBN and insured by the NDIC. It allows you to earn up to 20% per annum on your savings, entirely from your phone.

Download the YES MFB app from Google Play or the App Store, create an account using your BVN, fund your wallet from any Nigerian bank, and select a YesYield plan. The whole process takes under five minutes.

Yes. YES Microfinance Bank (RC: 1319067) holds a valid microfinance banking licence issued by the Central Bank of Nigeria and operates under full CBN regulatory oversight.

Yes. Deposits with YES Microfinance Bank are insured by the Nigeria Deposit Insurance Corporation (NDIC) up to the applicable coverage limit for licensed microfinance banks.

YesFlex earns 14% p.a. with no lock-in. YesFixed earns 16%–20% p.a. depending on term (30 to 365 days). YesTarget earns 14%–20% p.a. based on your goal date. All rates are fixed and guaranteed from the start date.

YesFlex has no lock-in — withdraw anytime. YesFixed and YesTarget are fixed-term; early withdrawal may attract a reduced interest rate. All terms are shown clearly in the app before you invest.

The minimum investment for all YesYield products is ₦1,000. There is no maximum limit.