Sparkle
Loyalty
It’s our way of rewarding you for doing what you want to do, on the Sparkle app.
Earn Sparkle Loyalty Points and More.
Receive points each time you carry out everyday activities like bills payments, referring friends, sending payment links, scheduling payments, splitting bills and so much more.
You can redeem your Sparkle points on the app for exciting offers like Merch and even bigger discounts at our partner merchants.
Coming soon, you'll be able to use your points to buy Airtime, Data, and pay some bills!
And the icing on the cake - you get to share Loyalty points with other Sparklers!
Sparkle Loyalty Level
Trust
Sparkle Tokens
1000pts
Level up the Sparkle Loyalty Ladder for bigger rewards.
As you do more with Sparkle, we'll reward you by moving you up the Loyalty Ladder where you’ll enjoy even bigger loyalty points, offers from our partners, and get better interest rate on loans.
With each level, you'll score cool badges and gain extra points that let you buy more expensive offers from Sparkle. Plus, your loan credit score gets a boost!
So, why wait? Launch your Sparkle app and let’s get you moving up the ladder!
Sparkle Loyalty Levels
Sparkle loyalty offers exciting benefits for all Sparklers. The amount of loyalty points you get depends on your Loyalty Level. So, the more you sparkle, the faster you move up the ladder!
Trust
You acquire the spark to take you to the next level in your finances
- Open a Sparkle Account
Transparency
Adopt a new lifestyle that shows credibility and accountability
- 3 months average deposits balance of ₦20,000
- 3 months average stash balance of ₦10,000
Simplicity
That ease to shine so that everyone adores you
- 3 months average deposits balance of ₦50,000
- 3 months average stash balance of ₦20,000
- 5 - 10 referrals
- 1 active physical card
Freedom
And the liberty to be an Advocate and a true Sparkler
- 3 months average deposits balance of ₦250,000
- 3 months average stash balance of ₦100,000
- 10 Referrals
- 1 active physical card
- Active Sparkle Business account
- Sparkle Business Subscription Service
Redeem Your Loyalty Points
With your points, you can purchase exciting gifts right on the app every December. You can also share points with other Sparklers too! The more activities you carry out on the app, the more points you get.
| Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account | |
|---|---|---|
| ₦ 20,000 | 2.50pts - 20pts | |
| ₦ 50,000 | 6.250pts - 50pts | |
| ₦ 100,000 | 12.50pts - 100pts | |
| ₦ 250,000 | 31.25pts - 250pts | |
| ₦ 500,000 | 62.50pts - 500pts | |
| Above ₦ 500,000 | 93.75pts - 750pts |
| Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account | |
|---|---|---|
| ₦ 10,000 | 1.25pts - 10pts | |
| ₦ 20,000 | 2.50pts - 20pts | |
| ₦ 50,000 | 6.25 pts - 50pts | |
| ₦ 100,000 | 12.50pts - 100pts | |
| ₦ 250,000 | 31.25pts - 250pts | |
| ₦ 500,000 | 62.50pts - 500pts |
| Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account | ||
|---|---|---|---|
| ₦ 20,000 | Not Applicable | 6.25pts - 50pts | |
| Above ₦ 50,000 | Not Applicable | 12.50pts - 100pts | |
| Above ₦ 500,000 | 93.75 pts - 750pts | ||
| Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account | |
|---|---|---|
| 1 | 0.013pts - 0.1pts |
| Features | Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account |
|---|---|---|
| 1 | 4.594pts - 37pts |
| Features | Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account | |
|---|---|---|---|
| Business Susbcribers | 1 | Not Applicable | 31.25pts - 250pts |
| My Customers | 1 | Not Applicable | 0.125pts - 1pts |
| My Employees | 1 | Not Applicable | 0.125pts - 1pts |
| Features | Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account |
|---|---|---|
| Request Money | 1 | 0.125pts - 1pts |
| Payment Link | 1 | 0.125pts - 1.0pts |
| QR Payment | 1 | 0.125pts - 1.0pts |
| Scheduled Payment | 1 | 0.125pts - 1.0pts |
| Split Bill | 1 | 0.125pts - 1.0pts |
| Features | Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account |
|---|---|---|
| Incoming from other banks | 1 | 0.021pts - 0.2pts |
| Transfer to other banks | 1 | 0.125pts - 1.0pts |
| Pay bills & airtime | 1 | 0.063pts - 0.5pts |
Deposits
You get at least 20pts, if you have 3 months average deposit of ₦20,000 and above. The higher your average deposit, the higher your tokens.
Stash Balance
You get 10pts and above, if you have 3 months average stash balance of ₦10,000 and above. The higher your average stash balance, the higher your tokens.
Card Transactions
You get tokens for every transactions you make either online or at various payments points using your physical cards.
Referrals
You get 30pts and above, for every qualified Sparkler you refer to the Sparkle Tribe.
Business Account
You get 250pts and above, if you open a Sparkle Business account.
Business Deposits
You get 50pts and above, if you have 3 months average deposit of ₦50,000 and above in your Sparkle Business account. The higher your average deposit the higher your tokens.
My Customers
You get tokens, if you add customers to your Sparkle Business account, using the Invoice feature.
My Employees
You get tokens for every employee on payroll you add on your Sparkle Business account.
Request Money
You get tokens for every successful payment using the payment request feature from your Sparkle account.
Sparkle Pay
You get tokens for every successful payment using the payment links from your Sparkle account.
QR Payment
You get tokens for every successful payment using the QR payment feature from your Sparkle account.
Scheduled Payment
You get tokens for every successful payment using the Scheduled payment feature from your Sparkle account.
Split Bills
You get tokens into your Sparkle account when you use the Split bill feature.
Bank Transfers
You get tokens for every successful payment from other banks into your Sparkle account.
Pay Bills & Airtime
You get tokens for every successful bill payment from your Sparkle account.
Be Part of Our Sparkle Tribe
Download the Sparkle App and open an account within minutes
