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InvestSpend

A Smarter Way To Grow Your Money

Grow your idle funds in secure, competitive yield investment vehicles and unlock zero-interest overdraft, all in one seamless experience on OneBank.

Download OneBank to use InvestSpend.

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About InvestSpend

InvestSpend helps you grow your money without losing access when you need it. With a minimum investment of ₦500,000 on OneBank, you earn competitive returns of up to 10% annually while enjoying a zero-interest overdraft equal to your investment. It’s steady, secure growth with the freedom to spend anytime, giving you confidence and flexibility in one simple solution.

Download OneBank to use InvestSpend.

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Benefits

Zero-Interest Overdraft

Access funds anytime without touching your investment or paying interest.

Capital Protected

Your funds are invested safely in regulated instruments managed by SterlingFi Wealth Management Limited.

Seamless, Transparent Experience

Start, manage, automate and stop investments with full visibility on OneBank.

Liquidity With Discipline

You grow your money while keeping the freedom to handle life’s surprises.

Flexible Structure

Choose whether to invest your full balance or a specific amount.

Download OneBank to Get Started

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FAQs

Get to know more about InvestSpend

InvestSpend is a flexible investment solution that allows you to grow your money while keeping full access to it. You invest your idle funds and earn steady returns, yet still have the freedom to access an overdraft of the same value at zero interest, all managed seamlessly on OneBank.

Yes. Your funds are placed in secure, regulated instruments managed by a subsidiary of Sterling HoldCo - SterlingFi Wealth Management Limited

No. You can access a zero-interest overdraft equal to your investment at any time during the tenor, so you remain liquid without touching your investment.

Only a small management fee applies when you use the overdraft. There is no interest charged.

Each investment cycle runs for 30 days and renews automatically unless you choose to opt out.

You can view your returns, overdraft usage, and investment details directly on your OneBank dashboard in real time.

Anyone with a Sterling savings or current account who wants to grow their money while staying financially flexible — salaried professionals, entrepreneurs, and active savers.

Download OneBank

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