Bankoto One replaces the spreadsheet, the part-time bookkeeper, and the accountant you only hear from at tax season. A chartered accountant, a tax consultant and an engagement lead run your books every month, file every return on time, and hand you the numbers to raise money, qualify for loans, and make decisions with confidence.
None of this means you're bad at business. It means you don't have a finance team yet.
You know the feeling: it's the 20th of the month and you genuinely don't know if you made a profit. Personal and business money have quietly mixed. A FIRS or LIRS notice shows up with no warning, because nobody was tracking the deadline. An investor or a bank asks for the last three months of financial statements — and they don't exist.
These aren't signs of a badly run business. They're symptoms of a business that has outgrown a spreadsheet and a part-time bookkeeper, but hasn't yet brought in a real finance team.
Bankoto One is that team — a chartered accountant, a tax consultant and an engagement lead, assigned to your company specifically, running your books every single month so the numbers are always ready before you need them.
"I think we made money this month."Without monthly statements, profit is a guess, not a number.
Tax deadlines arrive as a surprise.Penalties and interest pile up on filings nobody was tracking.
An investor asks for statements you don't have.The conversation stalls before it starts.
One person controls the books, unchecked.No second set of eyes means no one would notice if something went missing.
These are the five reasons we hear most from business owners — though they're rarely the only one.
Clean, audit-ready financial statements every month — so due diligence never catches you off guard.
Lenders ask for financial history before anything else. With Bankoto One, you always have it.
A second, independent set of eyes on every transaction — so nothing slips through unnoticed.
Vendors, partners and clients take a company with real financial discipline more seriously.
Know exactly what you made, what you owe, and what you can afford — every single month.
If your reason isn't on this list, it's still probably a good one — talk to us and we'll tell you honestly whether Bankoto One fits.
One bundle, one monthly cycle, nothing left to chase.
Bankoto One pairs smart tools with real, licensed people — not a chatbot standing in for an accountant.
Owns your books. Reconciles every transaction, closes your monthly financial statements, and keeps your records audit-ready year-round.
Computes and files your VAT, PAYE, WHT and Annual Company Income Tax — on time, every time, with reliefs applied correctly.
Your single point of contact. Runs your monthly management review and makes sure nothing falls through the cracks.
30 minutes with our team to understand your business, your revenue stage, and what "handled" should look like for you.
We assign your chartered accountant, tax consultant and engagement lead based on your industry and size.
Historical records and existing systems get set up on the ERP, built around how your business already runs.
Bookkeeping, statements, filings, payroll and your management review — running like clockwork, every month.
Real engagements, run by our chartered accountant, tax consultant and engagement lead team.
When EcoTutu came to Bankoto One, two years of transactions sat unreconciled. Our chartered accountant cleaned up the backlog, reconciled every account, and delivered the financial reports EcoTutu needed to walk into investor conversations with confidence.
Dazzlefresh didn't have a formal accounting system in place. Bankoto One built one from the ground up and now delivers monthly financial statements and a management review — so Jennifer knows exactly where the business stands, every month.
Chronyx Ltd needed payroll handled correctly, tax filings that never slipped, and real visibility into how the business was running. Bankoto One took over payroll and tax filing, and gave Dapo's team the operational visibility to plan ahead with real numbers.
Move the slider to your company's annual revenue to see your price instantly. Every tier gets the exact same team and the exact same service — pricing simply reflects the complexity of your books as you scale.
Drag the slider — your plan updates automatically.
| Annual Revenue | Monthly | Annual (save 1 month) | Best for |
|---|---|---|---|
| Under ₦10,000,000 | ₦42,000 (rate — not billed monthly) | ₦504,000/year (or ₦252,000 × 2 semi-annually) | New startups, finding their feet |
| ₦10,000,000 – ₦100,000,000 | ₦75,000 | ₦825,000 | Most growing SMEs |
| ₦100,000,000 – ₦300,000,000 | ₦125,000 | ₦1,375,000 | Established, scaling teams |
| ₦300,000,000 – ₦1,000,000,000 | ₦175,000 | ₦1,925,000 | Multi-department companies |
| ₦1,000,000,000 – ₦3,000,000,000 | ₦250,000 | ₦2,750,000 | Larger, complex businesses |
All prices in Naira. No hidden fees. Pay annually and get a month free.
It's rarely "Bankoto One vs. nothing." It's Bankoto One vs. doing it yourself, or vs. hiring in-house.
| Spreadsheets / DIY | Hiring In-House | Bankoto One | |
|---|---|---|---|
| Licensed chartered accountant oversight | |||
| Tax filings tracked and guaranteed on time | Depends on hire | ||
| Audit-ready statements every month | Depends on hire | ||
| Payroll & statutory compliance handled | Extra hire needed | ||
| Backup if your one bookkeeper is out sick | |||
| One predictable monthly cost | |||
| Time to get started | — | Weeks of hiring | Days |
A chartered accountant and tax consultant sign off on your account — not an algorithm alone.
We track FIRS and LIRS timelines because we're built around them, not adapted from elsewhere.
Technology speeds up the work; nothing gets filed without a professional checking it first.
Cancel anytime. We earn your business every month, not through a contract.
Still unsure? Talk to us directly.
Your plan simply moves to the tier that matches your new revenue band. Your engagement lead will flag it during a management review — you're never stuck paying for the wrong tier.
Yes, Bankoto One is built for registered companies. If you're not yet incorporated, our Incorporation service can get you set up first — ask us on your consultation call.
Yes. As part of onboarding, your chartered accountant reviews and cleans up your existing records before your first monthly close — so there's no gap in your history.
Bankoto One covers payroll for up to 19 employees. If your team is larger, tell us on your consultation call and we'll scope a custom plan around your headcount.
Monthly billing is available on every tier above ₦10,000,000 in revenue, and paying annually on those tiers gets you one month free. The starter tier (under ₦10,000,000) runs at a ₦42,000/month rate but isn't billed monthly — it's invoiced as ₦252,000 every 6 months or ₦504,000 once a year.
A single hire gives you one person, one skill set, and a gap whenever they're out. Bankoto One gives you a chartered accountant, a tax consultant and an engagement lead together, plus the ERP software and operations simulator — for less than one full-time salary in most cases.
Yes. Your data is encrypted and access is limited to your assigned team. We never share your financials with third parties without your written consent.
No. Bankoto One is billed on the cycle you choose (monthly, semi-annually or annually) and you can cancel anytime — there's no multi-year lock-in.
Book a 30-minute consultation. Tell us about your business, and we'll tell you exactly which plan fits and what your first month looks like.
