Built in Lagos — real professionals, backed by smart technology for every back-office workflow
Pricing

Simple pricing for every stage of your business.

No bundled fees for services you'll never use, and no surprise invoices. Pick a service, see the price, get started — every filing still reviewed by a licensed professional.

Priced in Naira No lock-in contracts Cancel anytime
Every plan includes
Licensed Professional Review AI-Assisted Drafting Deadline Tracking Fixed, Upfront Fees No Hidden Charges
Per-Service Pricing

Pay only for what you need

Every service is priced on its own — subscribe to one, a few, or all six. Prices are shown before you commit to anything, every time.

Incorporation

CAC registration and legal foundation, filed and reviewed by a lawyer.

100,000

per year

See details
What's Included
  • Business name reservation & CAC registration
  • Memorandum & Articles of Association
  • Tax ID (TIN) & compliance registrations
  • Lawyer review before submission
Start Incorporation

Tax

VAT, PAYE, WHT and company income tax — computed and filed on time.

45,000

per month

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What's Included
  • VAT, PAYE & WHT computation and filing
  • Automatic deadline tracking & reminders
  • Deduction & relief optimization
  • Signed off by a tax professional
Simplify Your Tax

HR & Payroll

Salaries, statutory deductions and HR documentation, on schedule.

2,500

per employee, per month

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What's Included
  • Automated payroll runs & payslips
  • Pension, NHF & PAYE compliance
  • Offer letters & employment contracts
  • HR professional reviews every cycle
Set Up Payroll

Payments

Pay vendors, collect from clients, and reconcile — all from one place.

100

per transaction

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What's Included
  • Multi-channel collections & vendor payouts
  • Automatic reconciliation with your books
  • Real-time transaction tracking
  • Bank-grade security on every transfer
Explore Payments

Legal

Contracts, compliance and risk management, reviewed by real lawyers.

9,999

per month

See details
What's Included
  • Contract & agreement drafting
  • Clause-risk review before you sign
  • Ongoing compliance monitoring
  • Direct access to a licensed lawyer
Get Legal Support

How Payments pricing works

The ₦100 fee applies per transaction processed through Bankoto — collections, vendor payouts, and transfers. There's no monthly minimum: you're only charged when you move money.

Bundles

Running more than one service? Bundle and save.

Most growing businesses end up needing accounting, tax and payroll together. Bundle three or more services and we'll build a single predictable monthly invoice around your business.

Growth Bundle

Combine Accounting, Tax and HR & Payroll into one plan with a dedicated team and a single monthly bill — no separate invoices to track.

  • One invoice for every recurring service
  • Discount applied automatically at 3+ services
  • A single point of contact across your team
Talk to Us About Bundling

Custom & Enterprise

Multiple entities, complex structures, or a large team? We'll scope a custom plan and dedicated account team around how your business actually runs.

  • Volume pricing for larger teams
  • Multi-entity accounting & consolidated reporting
  • Dedicated account manager
Talk to an Expert for a Quote
Pricing FAQ

Questions business owners ask us

Can't find what you're looking for? Talk to us directly.

Are these prices in Naira?

Yes. All Bankoto pricing is in Nigerian Naira (₦). There are no dollar-pegged fees and no surprise conversion charges.

Do I have to sign a long-term contract?

No. Every service is billed monthly (Incorporation is billed annually) and you can cancel anytime — there's no lock-in beyond the plan you choose.

How is HR & Payroll priced if my team size changes?

HR & Payroll is billed per active employee, per month, at ₦2,500 each. Your invoice adjusts automatically as you add or remove employees — no manual recalculation needed.

What counts as a "transaction" for Payments pricing?

Any collection, vendor payout, or transfer processed through Bankoto counts as one transaction, charged at ₦100 flat. There's no percentage fee and no monthly minimum.

Can I mix and match services, or do I need to bundle?

Either. Pick a single service — like Tax — or combine several into a Growth Bundle with one predictable invoice. You're never locked into more than you need.

Is there a free plan?

Yes. Bankoto's free platform covers invoicing, inventory, expense tracking, accounting and payroll tools. The prices on this page are for Expert Services, staffed by licensed professionals.

Ready to see what your plan would cost?

Tell us what your business needs and we'll put together a straightforward monthly total — no obligation, no hidden line items.