“Smile” Term Deposit

Invest today. Earn and Smile

FINCA Smile Term Deposit is a secure, upfront-interest term deposit account designed for customers who want predictable returns and immediate cash flow. Place your funds for a fixed period and receive your interest immediately upon successful deposit placement, while your capital remains securely invested.

Immediate Returns, Secure Growth

Enjoy the confidence of a fixed-term investment with the added advantage of receiving your interest upfront.

  • Earn Upfront Interest
    Receive your interest immediately after your deposit is successfully placed, instead of waiting until maturity.

  • Competitive Returns
    Grow your funds with an interest rate of 21% per annum for qualifying deposits.

  • Secure Capital Preservation
    Your capital remains securely invested for the agreed tenure, supported by FINCA’s compliance, identity verification, AML, and treasury control processes.

  • Predictable Cash Flow
    Plan with confidence by knowing your returns from the start and receiving your interest when you need it most.

Product Details

Ideal For High-net-worth individuals, corporate clients, retirees, institutional investors, and goal-oriented savers.

  • Product Category
    Term Deposit

  • Interest Rate
    21% per annum

  • Interest Payment
    Paid upfront upon successful deposit placement

  • Minimum Deposit
    ₦50,000,000

  • Maximum Deposit
    ₦100,000,000

  • Tenure
    6 to 12 months

Qualifying is simple

Start your FINCA Smile Term Deposit journey with straightforward account opening requirements.

  • Valid means of identification

  • Bank Verification Number (BVN)

  • Proof of address

  • Completed application form

  • Source of funds documentation, where required

  • Completion of applicable KYC and compliance checks

Application Process: Step by Step

Experience an application process built on trust, efficiency, and your unique needs.

  • 1

    Apply Online
    Complete the application form to begin your request.

  • 2

    Local Support
    A FINCA representative will contact you to guide you through the next steps.

  • 3

    Deposit Placement
    Provide the required documents and place your qualifying deposit.

  • 4

    Receive Upfront Interest
    Once your deposit is successfully placed, your interest is paid upfront while your capital remains invested for the agreed tenure.

Start your application

Applying with us is a straightforward and convenient process.


Frequently Asked Questions

FINCA Smile lets you receive your interest upfront after successful deposit placement, instead of waiting until the investment matures.

The minimum deposit amount is ₦50,000,000.

The maximum deposit amount is ₦100,000,000.

The available tenure is from 6 months to 12 months.

FINCA Smile Term Deposit is suitable for high-net-worth individuals, corporate clients, retirees, institutional investors, and goal-oriented savers seeking predictable returns and upfront interest.

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