Frequently asked questions
Yield
Think of Yield as your partner in building wealth. It’s a simple and secure fund management solution that helps you grow your money and earn a passive income. Yield's features include:
- Fixed Yield: Lock in your money for a set period and earn up to 21% per annum. You can have as many Fixed Yield plans as you want.
- Flex Yield: Less structured, more flexible. Top up your Flex Yield whenever you want and access up to 4 free withdrawals monthly, to earn 15% per annum.
- Target Yield: Set a financial goal and contribute towards it over a stipulated period. If you reach that goal, you will earn 15% per annum. Note: Target Yield is currently only available on the Yield website.
- Gift a Yield: Show some love to someone you appreciate with a Fixed Yield plan that earns them up to 21% p.a. based on the tenor you set. Note: Gift a Yield is currently only available on the Yield website.
Whichever way you use Yield, it is designed to support your financial growth and build wealth sustainably, with minimal effort from you.
We’re excited to help you start! You can sign up through our mobile app or website:
- Using the Credit Direct Mobile App:
- Download the Credit Direct Mobile App from your App/Play Store
- Sign up and verify your phone number
- Set your password and transaction PIN
- Complete your KYC by adding both your NIN and BVN details.
- Tap "Yield" in the app and create your plan: Fixed, Flex, or both. Please note that Target Yield and Gift a Yield are currently only available on the website.
- On the Web:
- Visit yield.creditdirect.ng and click “Get Started”
- Sign up with your BVN and other details
- Verify with the OTP we’ll send you
- Update your profile with your address and bank info
- Click “Create New Yield Plan”, choose your plan, fund your wallet—and that’s it!
Here’s what you’ll enjoy:
- Up to 21% annual interest on your investment
- Zero withdrawal fees (up to 4 times/month with Flex)
- A smooth, user-friendly platform
- Easier and low-effort ways to earn passive income while smashing your financial goals.
- The freedom to create multiple plans for different goals
- Prompt, friendly support whenever you need it
- Peace of mind — Yield is fully licensed by the Central Bank of Nigeria
Just a few things to get started:
- Your email address
- BVN (Bank Verification Number)
- NIN (National Identification Number)
- A Nigerian phone number, ideally linked to your BVN
You can start your investment journey on any of our Yield plans with as little as ₦50,000.
Yes — your safety is our top priority. Yield is regulated by the Central Bank of Nigeria, and we comply strictly with all security and data protection standards. Your funds are in safe hands.
All you need is your name, email, BVN, NIN, and phone number. You’ll also create a secure password and PIN during sign-up.
You can sign in anytime via:
- The Yield website
- The Credit Direct Mobile App (just download from the App or Play Store)
After signing in, just tap on “Yield” to view or create your plan.
On the web, log in to www.yield.creditdirect.ng. From the top right corner of your screen, click the menu button and select “Yields”. Choose any of the Yields to begin your growth journey.
On the mobile app, log in and select “Yield”, to begin your growth journey.
If you haven’t done so yet, you will need to complete your KYC by adding both your BVN, NIN, and bank details, to use Yield. After that, just follow the steps above to begin your growth journey.
We’ll send your OTP via email, SMS, or WhatsApp. You can also dial *5120*11# or request a voice call if preferred.
- Fixed Yield: Lock funds for a set period and earn up to 21% p.a
- Flex Yield: Enjoy access to your money (4 free withdrawals per month) and earn up to 15% p.a
- Target Yield: Set a financial goal and contribute towards it over a period. Reaching that goal earns you 15% p.a. Note: Target Yield is currently only available on the Yield website.
- Gift a Yield: Show some love to someone you appreciate with a Fixed Yield plan that earns them up to 21% p.a based on the tenor you set. Note: Gift a Yield is currently only available on the Yield website.
Your plans will be displayed right on your dashboard. Just select Yield on the mobile app or log in to www.yield.creditdirect.ng to see all your plans.
Your Credit Direct Wallet is your personal, secure space to manage all your financial activities with ease. It’s not just a place to keep your money — it's your all-in-one tool to:
- Fund your wallet and earn 10% interest per annum on your balance.
- Seamlessly transfer money to other Nigerian banks—quick and easy.
- Make payments for things like airtime, data, bills, and more—all from the app.
You can access your wallet anytime through the Credit Direct Mobile App or on the Yield Web Portal. Just download the app from the Apple App Store or Google Play Store, sign up, and you’re ready to go!
Your Credit Direct Wallet is all about giving you control over your finances. Here’s what you can do:
- Deposit funds from any Nigerian bank account directly into your wallet.
- Easily transfer or withdraw funds when you need them.
- Track every transaction, so you’re always in the know.
- Fund your Fixed or Flex Yield plans.
- Use the app to pay for airtime, data, bills, and other services—all in one place.
- Grow your savings at 10% per annum interest—without any effort.
Your money, your rules. We’re here to make it easy for you.
Please Note: You can only send money and pay bills when you use the wallet on the Credit Direct Mobile App.
Getting your wallet account number is quick and easy!
On the Web:
- Just log into your Yield dashboard at yield.creditdirect.ng, and you’ll find your account number at the top-right corner.
On the App:
- Open the Credit Direct Mobile App and look at the top-right of your dashboard. Your account number will be displayed there, and you can copy it with a simple tap.
Via the USSD code:
- Dial *5120*3# to view your wallet account number instantly. With the USSD code, you don’t need data to retrieve your wallet account number when you want.
Flex Yield gives you the flexibility to grow and spend your money at the same time, without locking it away. Here’s why it’s perfect for many users:
- Flexible Withdrawals: You can make 4 withdrawals per month, without penalty! Just keep in mind that after the 4th, your interest for the month will be forfeited.
- Interest Rates: Earn 15% per year: Your interest is paid directly into your wallet every month. Flex Yield makes investing easy, flexible, and aligned with your financial goals.
You get the flexibility to access your money when you need it, while steadily growing it in the background.
Funding your wallet is simple, and you have three ways to do it:
- Use your Wallet Balance: If you’ve already added funds, you can use that directly for your investments.
- Bank Transfer: You can transfer funds from any bank account (yours or a third party’s) into your wallet account number.
- Paystack: Easily fund your wallet using Paystack with a debit card or another online payment method.
Whichever method you choose, it’s fast and easy to get your wallet ready for your next investment!
- Withdrawing from your Flex Yield wallet is simple. Just follow these easy steps:
- Log into your Yield Web Portal at yield.creditdirect.ng or open your Credit Direct Mobile App.
- Select the Withdraw option on your Yield dashboard.
- Enter the amount you’d like to withdraw.
- Keep in mind that you need to maintain a minimum balance of ₦50,000 in your wallet.
- You can either do a partial withdrawal (as long as you keep at least ₦50,000) or a full withdrawal.
To complete the process, we’ll send you a One-Time Password (OTP) for security.
With Flex Yield, you have the flexibility to withdraw up to 4 times per month without any penalties! But after your 4th withdrawal, you’ll lose about 20% of your accrued interest for the month.
Withdraw as you need, but keep an eye on the number of times to avoid losing some of your earnings.
Fixed Yield is a fantastic way to grow your money with certainty and predictability. It’s perfect for those who prefer a structured approach to saving, offering higher interest rates for longer commitments. You choose the term that suits you, ranging from 1 month to 12 months—and the longer you commit, the higher the return!
Here’s a look at our competitive rates:
- 1 month: 16% p/a
- 2 months: 17% p/a
- 3-5 months: 18% p/a
- 6-8 months: 19% p/a
- 9-11 months: 20% p/a
- 12 months: 21% p/a
With Fixed Yield, you can sit back, relax, and watch your money grow steadily over time. It’s a reliable way to let your funds work harder for you.
Setting up a Fixed Yield plan is easy! Just follow these steps:
- Log into your Yield Web Portal at https://yield.creditdirect.ng or open your CDL Mobile App.
- If you’re using the mobile app, navigate to “Yield” at the bottom of your screen.
- On your Yield dashboard, click “Create New Yield Plan.”
- Choose Fixed Yield (Flex, or Target Yield if you want that instead).
- Enter the amount you want to invest and select your preferred term (from 1 month to 12 months).
- Choose your payment method:
- Use the balance in your wallet (if sufficient).
- Transfer funds from another account (personal or third-party) into your unique CDL wallet.
- Fund via Paystack.
- You’ll see your projected returns to know what to expect.
- Review and confirm your details, and voilà! Your plan is now active.
- We’ll send you an investment certificate to your registered email address for your records.
To liquidate your Yield plan, follow these steps:
- Log into your Yield Web Portal at https://yield.creditdirect.ng or open your CDL Mobile App.
- If you’re using the mobile app, go to “Yield” at the bottom of the screen.
- On your dashboard, select the Yield plan you want to liquidate (either Fixed or Flex Yield).
- Click on your selected plan and then hit the “Liquidate” button.
- Choose where you’d like the funds to be credited—either your bank account or CDL wallet.
- Review any applicable fees or penalties (especially for early liquidation).
- You’ll receive a One-Time Password (OTP) to confirm your liquidation request.
Your liquidation will be processed instantly, but if you’re withdrawing ₦5 million or more, it might take up to 24 hours due to extra validations on our end. You can always track your liquidation status from your dashboard.
You can easily track the status of your liquidation request directly from your Yield dashboard, whether you’re using the web portal or the mobile app. If there’s any delay or if you need assistance, feel free to reach out through any of our support channels:
- Call us on 02017005120 or 02014482225
- Email: yieldsupport@creditdirect.ng
We’re here to make the process smooth for you!
Yes, there is a 20% penalty on the interest earned if you liquidate your Fixed Yield plan before it matures. Additionally, a 10% withholding tax will be deducted from your earned interest upon liquidation
Absolutely! When your Fixed Yield plan matures, you have the option to roll it over to continue earning interest. You can choose from:
- Full rollover: Reinvest both your principal and interest.
- Partial rollover: Reinvest only the principal and withdraw the accrued interest.
Please note that if your Fixed Yield plan matures and you don’t liquidate within 48 hours, your funds will automatically roll over into a new Fixed Yield plan. If this happens, your total funds will remain intact, and you can now start earning more.
To roll over your plan, just follow these steps:
- Log into your Yield Web Portal at https://yield.creditdirect.ng or open your CDL Mobile App.
- Navigate to “Yield” at the bottom of the screen.
- On your dashboard, select the plan you want to roll over (either Fixed or Flex Yield).
- Choose your rollover option (Principal only or Principal & Interest).
- Select your tenor and review the terms.
- Complete the process, and your rollover is set!
- It’s an easy way to keep your savings working for you, continuously.
You’ve got two great options to choose from:
- Full rollover – Reinvest both your principal and interest.
- Partial rollover – Reinvest just your principal and withdraw the interest.
You’ll also have the chance to adjust your investment amount before finalizing. Once done, your updated plan will reflect on your dashboard.
Yes, you sure can! Before confirming your rollover, you’ll have the option to adjust your investment amount and select a new tenor that suits your goals.
It is pretty easy:
- Log in to your Yield account at yield.creditdirect.ng.
- Select “Target Yield” and tap “Create Target.”
- Enter your target name, amount, amount, frequency, start and end dates, and preferred debit times.
- Depending on the frequency you set, the amount that you require to contribute periodically to reach your goal, will be generated.
- Hit “Save Target” and confirm that the details are correct.
- Select a funding source for auto-deductions (Either Flex wallet or your main Credit Direct wallet).
- Hit “Fund Target” and you are active!
Based on the debit time and funding source you selected, your account will be debited periodically to fund your Target.
You can definitely do that!
- Simply log in to www.yield.credidirect.ng
- Open “Yields” click “Target Yield”
- Select the plan you want to close and click the “Release Yield” button at the bottom.
- Choose the account you want your money paid to, either your regular bank account or CDL wallet.
- After entering the OTP sent to your phone number and/or email address, your funds will be paid accordingly.
Please note that you will lose all your accrued interest if you close your Target before you reach the goal you set.
It’s easy! Your rolled-over plan will appear right on your dashboard alongside your other Yield plans, so you can monitor its performance at a glance.
Absolutely! Just open your Credit Direct Mobile app or visit yield.creditdirect.ng to access your account anytime. If you haven’t downloaded the app yet, head to the Play Store or Apple Store, search for “Credit Direct Mobile,” and sign up to get started.
Not at all. Yield is open to everyone, and you don’t need an FCMB account to start investing with Yield.
Gift a Yield lets you share the gift of financial growth by creating a Fixed Yield plan for someone else. It’s a thoughtful way to help a friend, family member, or colleague invest towards their future.
Gifting is simple:
- Log in to your Yield account at yield.creditdirect.ng.
- Select “Fixed Yield” and tap “Create Plan.”
- Choose “For Someone Else.”
- Enter the recipient’s phone number (must be BVN-registered).
- Set the plan name, duration, and amount (min ₦50,000).
- Fund the plan using your wallet, transfer, or Paystack.
- Once payment is confirmed, the plan is live and viewable in your “Gifted Plans” tab.
The recipient must already have a Yield account to receive the gifted plan.
Yes! The returns mirror our standard Fixed Yield rates:
- 1 month – 16%
- 2 months – 17%
- 3–5 months – 18%
- 6–8 months – 19%
- 9–11 months – 20%
- 12 months – 21%
- Flex Yield: Interest is credited to your wallet monthly.
- Fixed Yield: Returns are paid at maturity or rolled over, depending on your preference.
- For amounts under ₦1 million, withdrawals are processed instantly.
- For ₦1 million and above, please allow up to 24 hours due to internal validations.
No minimum! You can withdraw any amount, as long as you keep at least ₦50,000 in your Flex Yield plan.
Deposits reflect instantly—no delays!
Yes, we email your account statement monthly to your registered email address. It’s a great way to stay on top of your financial journey.
- Minimum per plan: ₦50,000. For Flex Yield, your initial investment must be a minimum of N50,000, but you can top up with less from time to time. If you want to withdraw, you must withdraw money that keeps the plan balance at a minimum of N50,000. If not, you will have to withdraw everything in your Flex plan.
- Maximum per plan: ₦10 million. There’s no limit to how many plans you can create, so feel free to invest toward multiple goals!
Yes, you do! Your referral code is right on your Yield profile. You can share it and earn referral points when you do.
Yes, but with a few details:
- Web: You can log in from multiple devices after authentication.
- Mobile App: Limited to one device at a time, but you can switch devices securely through our verification steps.
You can have only one Yield account, which is your main Yield wallet, also known as your CDL wallet. However, you can create multiple Fixed, Target, and Gift a Yield plans. You can also fund your flex plan whenever you choose.
- Fixed Yield: Up to 12 months per plan, with an option to roll over at maturity.
- Flex Yield: No lock-in period—you’re in control!
- Target Yield: Up to 12 months per plan, with interest paid when you hit your goal.
Your safety comes first. Yield is fully licensed and regulated by the Central Bank of Nigeria and is backed by FCMB Group. We adhere strictly to data protection regulations, so your information and funds are safe.
You can read our full privacy policy here.
Absolutely! Yield is fully regulated and licensed by the Central Bank of Nigeria, so your investments are in safe hands.
You can view our Privacy Policy and Terms & Conditions to understand how we protect your data and manage your investment journey.
Simply log into your dashboard via the web or mobile app. From there, you’ll see a breakdown of all your plans, including how much interest you’ve earned — transparency at your fingertips!
Yes, a 10% withholding tax is applied on the interest you earn, as required by regulation.
We’re always happy to help! You can reach out right here in this chat, or if you prefer, speak to us directly by calling 02014482225, 02017005120, or 0700CREDITDIRECT. You can also email us at: yieldsupport@creditdirect.ng.
We typically respond within a few minutes. During peak periods, it may take a little longer—but never more than 6 hours.
Yes, we’ve got you covered across Nigeria! We have branches in over 25 states. Visit our contact page for the address closest to you.
Definitely! We’re constantly launching exciting features and offers and you’ll be the first to know if you are an existing user.
Here’s a quick breakdown:
- Credit Direct Wallet: Earn 10% per annum on your wallet balance, paid monthly. Interest accrues daily.
- Flex Yield: Earn 15% per annum, paid monthly. First 4 withdrawals are free—exceeding that forfeits interest for the month.
- Fixed Yield: Earn up to 21% per annum, depending on how long you invest. Interest is paid at maturity.
- Fixed Yield Rates:
- 1 month: 16%
- 2 months: 17%
- 3–5 months: 18%
- 6–8 months: 19%
- 9–11 months: 20%
- 12 months: 21%
- Fixed Yield Rates:
- Target Yield: Earn 15% per annum, paid when you reach the financial goal you set on Yield. If you close the Target before reaching the goal, you lose all your accrued interest.
The longer you invest, the more you earn!
Please note that there is a 10% withholding tax charge on any interest earned on any Yield plan.
We offer:
- Some of the most competitive rates around
- A seamless and secure experience across web and mobile
- Fast, responsive support
- Flexible plans to suit your lifestyle
Tap on “Forgot Password” on the login screen. It is available on both the app and website, just follow the prompts.
This usually means there’s a mismatch between your BVN and NIN details which may prevent you from completing your sign-up process. During sign-up, your BVN name, date of birth, and phone number will be displayed. Please review these details carefully to ensure they are accurate.
- If the BVN is correct, kindly visit a NIMC center to update your NIN.
- If the BVN details are wrong, please visit your bank to update them.
Make sure your BVN-linked number is active. If your BVN-linked number is inactive, you can enter an alternate number during registration.
You can also opt for “OTP via call” and dial *5120*11# to retrieve your OTP.
Sorry about that! Please send the following to yieldsupport@creditdirect.ng so that we can investigate:
- Your Full name
- Phone number
- Transaction Amount
- Transaction Date
- Reference number
Thanks for flagging this. Interests are calculated based on your planned terms, but let’s double-check. Please send the following to yieldsupport@creditdirect.ng for further assistance.
- Your Full name
- Phone number
- Yield Investment amount
- Expected Interest
- Interest received
Liquidations are typically processed instantly. However, for amounts of ₦5 million and above, processing may take up to 24 hours due to additional verification. To help us investigate and resolve the issue promptly, please send the following details to yieldsupport@creditdirect.ng
- Your Full name
- Phone number
- Yield Investment amount
- Amount attempted to withdraw
Open your app, log in, and tap “Upgrade” on your dashboard, then follow the instructions to upgrade your tier. You’ll also need:
- A Valid ID
- NIN/BVN
- Utility bill (for Tier 3)
Changing your PIN is simple:
- Open the Credit Direct Mobile app
- Tap “Account” at the bottom
- Scroll to “Change PIN”
- Enter your current PIN, then your new one
- Verify using the OTP sent to your phone
Tracking your investments is simple. There’s a breakdown of your Yield investment and interest earnings on your dashboard.
Just log in to your Yield account via the app or website, select the applicable plan, and you’ll see a detailed breakdown of your investment amount, interest earned, and transaction history.
Your investment should be activated immediately after funding. If it hasn’t, it could be due to pending payment confirmation or a temporary technical delay.
To assist you further, please send the following to yieldsupport@creditdirect.ng
- Full name
- Plan amount
- Date invested
- Registered phone number
If you haven’t signed up for Yield yet, you can enter your preferred bank account number during registration. If you’ve already registered, we typically advise against changing account details for security reasons.
Still want to proceed? Please send the following to yieldsupport@creditdirect.ng so we can assist you:
- Your Full name
- Plan amount
- Date invested
- Registered phone number
Withdrawals are usually instant. However, if you're withdrawing ₦1 million or more, it may take up to 24 hours due to internal approval processes.
If your withdrawal is delayed, please send the following to yieldsupport@creditdirect.ng
- Your Full name
- Phone number
- Investment amount
- Withdrawal amount
You can easily modify your transaction limit through the mobile app:
- Log in to the Credit Direct Mobile app
- Tap “Account” at the bottom
- Select “Transaction Limits”
- Enter your new limit and follow the prompts to confirm
SMS and email notifications are sent instantly for all transactions. If you’re not receiving them, it may be due to a temporary network delay from your service provider.
If this issue persists, you can send an email to yieldsupport@creditdirect.ng and we will promptly assist you on this.
We’re sorry for any inconvenience caused. To help investigate, please send the following information to yieldsupport@creditdirect.ng
- Your Full name
- Disputed amount
- Registered phone number
This could happen if your new phone number hasn’t been updated in our system. To resolve this, please send the following to yieldsupport@creditdirect.ng for prompt resolution.
- Your Full name
- Old phone number
- New phone number
We apologize for the inconvenience. To help us assist you quickly, kindly send the following to yieldsupport@creditdirect.ng
- Your Full name
- Withdrawal amount
- Phone number
- Transaction date
Sorry to hear that! We’ll help trace the transaction. Kindly send the following to yieldsupport@creditdirect.ng
- Your Full name
- Transfer amount
- Session ID
- Phone number
- Transaction date
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