Bankoto handles incorporation, accounting, tax, payroll, HR and legal through AI agents working alongside experienced professionals, giving every business access to enterprise-grade operations at a fraction of the cost of hiring an in-house team.
Every workflow on Bankoto follows the same principle: technology handles the busywork, but a licensed accountant, HR professional or lawyer reviews anything that matters before it's final.
Register your business, connect your accounts, or request a service — incorporation, tax, payroll, HR or legal.
→Bankoto's technology drafts filings, reconciles records, runs payroll calculations and flags what needs attention — instantly.
→Before anything is filed, paid or submitted, a real accountant, HR professional or lawyer checks it against standard, so nothing slips.
Start free with the tools every business needs day to day, then bring in Bankoto's experts for the parts that need a professional.
Essential back-office tools, free for every SME — no juggling five different apps.
Licensed accountants, HR professionals and lawyers — on demand, backed by smart technology, priced for SMEs.
Each of Bankoto's six core services pairs licensed professionals with purpose-built automation — every deliverable reviewed by a human before it goes out the door.
Every agent runs with a confidence score — anything below threshold is routed straight to a human expert.
We don't believe in fully automated back offices. Technology brings speed; our licensed professionals bring judgment, governance, and accountability.
Technology helps us move fast. Our people make sure it's right.— Team Bankoto
Businesses trust Bankoto to run their back office.
Bankoto is designed around the everyday back-office moments SMEs deal with — the kind every business owner will recognize.
Month-end close used to take a full week of chasing receipts and spreadsheets. With Bankoto, transactions are classified and reconciled overnight, and an accountant signs off before anything is final.
Retail · LagosRunning payroll for a growing driver fleet across multiple states meant hours of manual calculation every cycle. Now the payroll agent does the math, and an HR professional checks it before payday.
Logistics · AbujaRegistering a limited company used to mean weeks of back-and-forth with an agent. The incorporation assistant collected everything in one sitting, and a lawyer filed it within days.
Consulting · LagosJoin SMEs running incorporation, accounting, tax, payroll, HR and legal in one place.
