The No #1 cooperative society gone Digital.

We are committed to improving individual savings and investment habits.

cloud cooperative
main 1
Vector 4
Vector 2
Vector 3
3d buddy boy basketball money 5

We will double your financial capacity

Cloud Cooperative is here to inject saving habits to the current system by creating easy and fair saving plans that would be favorable to our customers.

Saving would not just be made easy but borrowing loans would become way easier than you can imagine.

Get started within minutes

Easy steps to start contributing with us


Create your account

Sign up for an account with your email and pick a Monthly Saving category (min. NGN 5,000)


Start Saving

Log into your account, click on the "Start contribution button" and start your saving journey


Get a loan

Once you have saved consistently for 6 months, you qualify for a loan up to 200% of your total savings

Keeping your money safe is our business.

Trust is our currency. We are committed to the security of your money and the protection of your account. That is how we earn your trust.

Bank-grade Security

Our payment processors are PCI-DSS compliant to ensure security of your data electronically.

Regulatory Compliance

We're licensed & regulated by the Lagos State Government under the Cooperative Societies Act (2013) as amended.

clip data protection

Product offerings


Make monthly contributions into your Cloud Cooperative account with just a few taps on your smartphone.

Learn more

Quick Savings

Save, transfer, and withdraw your money for free at any time.

Learn more

Safe Lock

Save daily or weekly, and have it moved automatically every month.

Learn more


Whether you’re employed or run your own business, access loans; simple and easy. No collaterals, or long forms.

Learn more

Bill Payments

Pay all your utility bills; airtime, cable tv, data, electricity, always at the lowest possible cost.

Learn more

What members are saying

Register with us and let’s help you create a safe environment for your finances.

(based on 1.5k ratings)

I'm so glad this platform was innovated. It made me cultivate the habit of saving, b'cos I'm an impulsive buyer. I also love the fact that I can pay at my own convenience even if my payment day is long overdue.

Adeniyi Rofiyat


Since I have been using cloud cooperative, it’s so easy to make my contributions as a member, I get notified as at when due. I’m really enjoying my savings plan. This is my third month.

Adeniyi Adefunke


Cloud Cooperative has helped cultivate the habit of saving more. Thanks to the team for the wonderful innovation.

Oluwatoyin Agbede

Vector 2
1 +
We have over 200 registered members on our platform.
FI k juXMAY9liu removebg preview e1643155734588
We are duly licensed and regulated by the Lagos State Government.
Your funds are secured by our payment processing partner, Paystack.

As featured in the news

Time to take action

Start saving for a better tomorrow

hero shape 2
shap 1