Branch app grants speedy access to investments at 20% returns, free unlimited money transfers and low-interest loans

A big lesson learnt from the economic fallout of the COVID-19 pandemic is that it is imperative for people to have multiple streams of income.

Several Nigerians who were laid off at work began seeking credible investment opportunities to make money while others pursued extra income after taking pay cuts to retain their jobs.

In the end, many lost their hard-earned money to investment scams and loan sharks.

It is this risk problem that leading investment and mobile lending app, Branch is solving for over 20 million African businesses and individuals by democratising access to secured profitable investments and quick loans.

Users do not have to worry about the security of their funds as Branch is licensed by the Central Bank of Nigeria (CBN) as a Finance Company and fully authorised to provide credit management services.

Branch provides profitable investment opportunities for users, guaranteeing up to 20% per annum returns paid out on a weekly basis. Businesses and individuals can, therefore, earn extra income on every Branch investment product.

Plus, Branch comes with a wallet feature that enables free unlimited money transfers for customers.

With over 23 million downloads, the Branch app provides a fast and easy way for people and businesses to invest, make free money transfers and obtain low-interest loans. The Branch app is currently available in Nigeria, Kenya, Tanzania and India.

I checked out the Branch app and reviewed it across three core areas – user experience, functionality and feedback structure.

Combining different shades of blue with white, the app’s user interface (UI) bears a simple layout. The UI displays a horizontal base array of tabs – Home, Wallet, Loans, Invest and Invite.

Earn up to 20% annual Return on Investments

Branch lets you earn additional income by offering as much as 20% return per annum on each investment portfolio. With traditional banks only giving customers a paltry 4 – 10% return on investments, Branch’s 20% rate is one of the highest in the country.

To start investing, simply sign up on the Branch app and top up your wallet via loan, bank transfer or debit card. Interest payments will be added to your investment account after every 7 days.

Moreover, investments through the Branch app are not locked by duration as is the case with some other investment platforms. This means that customers can easily withdraw their investments after a 24-hour period or any other time if you wish.

Button clicks for the entire investment process and other in-app features generated quick responses without snags, resulting in premium user experience.

Investments through the app are processed in real-time and there are no hidden fees to worry about. Branch investments are zero-rated as customers are charged no commission to ensure they get the highest possible gain.

Make unlimited free wallet transfers

You can easily make free unlimited money transfers using the Branch app.

Branch provides a unique wallet service which allows users to transfer money to any bank account or wallet at zero cost. Whereas banks and some other wallets charge for transfers, Branch lets you make free transfers.

To begin making transfers, deposit any amount in your wallet with a loan, via debit card and bank transfers.

Money transfers come with no restrictions, unlike wallet apps which only permit a limited number of transfer. Simply put, Branch wallet free transfers are unlimited.

You can also purchase airtime and data as well as pay electricity and TV bills from your Branch wallet.

Obtain loans in just a few minutes

The Branch app lets you apply for a variety of loan amounts between N2,000 and N500,000 which are credited to you in a matter of minutes. All loans come with three repayment term options – 28 days (1 monthly payment), 28 days (4 weekly payments) and 62 days (2 monthly payments).

On selecting your preferred loan, the app quickly shows you all fee details including interest rate, total amount due and repayment schedule.

All Branch loans are approved, disbursed, and repaid directly via the mobile app.

Get prompt feedback

To consistently engage customers, the Branch app integrates a customer care section which lets users chat with the mobile lender’s 24/7 virtual assistant.

As you can see from my chat screenshot below, I got responses within the space of a minute!

There is an embedded link for frequently asked questions (FAQs) and in-app notifications are enabled to help users monitor all account transactions so as to detect any suspicious activity.

Get started by downloading the Branch app on Google Play Store. Download for iOS here.