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

Licensed experts, powered by AI — built into one platform, not outsourced to an agency.

Incorporation, accounting, tax, payroll, HR, payments and legal — handled by real accountants, HR professionals and lawyers, backed by smart technology that moves fast. Every filing is reviewed by a human before it goes out the door.

Licensed & verified professionals AI-assisted for speed Transparent, upfront pricing
Every service includes
Dedicated Expert AI-Assisted Drafting Human Sign-Off Deadline Tracking Fixed, Upfront Fees
Our Services

Six services. One team you can actually reach.

Pick one service or bundle several — every one of them staffed by a licensed professional and sped up by smart technology, so nothing sits in a queue and nothing gets filed without a human check.

5–10 business days

Incorporation

We register your company with the CAC and set up the legal foundation your business needs — so you can start operating with confidence, not confusion.

What's Included
  • Business name reservation & CAC registration
  • Memorandum & Articles of Association drafted
  • Tax ID (TIN) and compliance registrations
  • A lawyer reviews every filing before submission
Start Incorporation
Monthly close in days

Accounting & Bookkeeping

Every transaction categorized, reconciled and recorded — so you always know where your business stands, and you're never scrambling before an audit or investor call.

What's Included
  • Daily transaction classification, monthly review
  • Bank reconciliation across all accounts
  • Monthly P&L and balance sheet
  • A dedicated accountant on your account
Get Your Books in Order
Never miss a deadline

Tax

VAT, PAYE, WHT and company income tax — computed accurately, filed on time, and checked by a tax professional so you avoid penalties and catch every deduction you're owed.

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

Payroll & HR

Salaries, pensions, statutory deductions and HR documentation — automated and verified, so payday is never a scramble and your people stay compliant and paid on time.

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

Payments

Pay vendors, collect from clients, and manage multiple channels from one place — every transaction tracked, reconciled and ready for your books.

What's Included
  • Multi-channel collections & vendor payouts
  • Automatic reconciliation with your accounts
  • Real-time transaction tracking
  • Bank-grade security on every transfer
Explore Payments
Standard contracts in 48h

Legal

Contracts, compliance and risk management — reviewed by real lawyers, so you catch costly mistakes before you sign anything, not after.

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 It Works

Smart AI moves fast. Our professionals keep it right.

Every service on Bankoto follows the same principle: AI handles the busywork, but a licensed professional reviews anything that matters before it's final.

01

Tell us what you need

Pick a service or bundle several — incorporation, accounting, tax, payroll, HR or legal. Answer a few questions and share what you already have.

02

Technology drafts, sorts and calculates

Our technology drafts filings, reconciles records and runs the numbers immediately — no waiting on a queue for the routine work.

03

A licensed professional signs off

Before anything is filed, paid or submitted, a real accountant, HR professional or lawyer checks it against standard. Nothing goes out the door without a human check.

Why Bankoto

Technology for speed. Professionals for judgment.

We don't believe in a fully automated back office. Technology brings speed; licensed professionals bring accountability, governance and the judgment calls software shouldn't make alone.

What our technology handles

  • Drafts filings, contracts and payroll calculations instantly
  • Reconciles transactions and flags errors in real time
  • Tracks every statutory deadline automatically
  • Answers routine questions, day or night

What your expert handles

  • Reviews every filing before it's submitted
  • Gives you direct access to your accountant, HR pro or lawyer
  • Makes the judgment calls technology shouldn't make alone
  • Stays accountable to you — not just the software
Pricing

Pay for what you need. Nothing you don't.

No bundled fees for services you'll never use, and no surprise invoices. You'll see the price before you commit, every time.

Pay-Per-Service

Need one thing done right? Pay a flat, upfront fee for a single service — incorporation, a contract, a tax filing — no subscription required.

Custom & Enterprise

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

No hidden fees. No lock-in beyond what you choose.

FAQ

Questions business owners ask us

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

Are Bankoto's professionals actually licensed?

Yes. Every accountant, HR professional and lawyer on Bankoto is licensed and vetted before they review a single filing on your account.

What's the difference between the free platform and expert services?

The free platform covers day-to-day tools like invoicing, inventory and expense tracking. Expert services bring in a licensed professional for anything that needs sign-off — incorporation, tax filings, payroll, contracts and more.

How fast is incorporation?

Most incorporations are filed with the CAC within 5–10 business days, depending on document readiness and CAC processing times.

Can I use just one service, or do I need to bundle?

Either. Pick a single service — like tax filing — or bundle several into one predictable plan. You're never locked into more than you need.

What happens if something goes wrong?

Every filing, calculation or contract drafted with our technology is reviewed by a licensed professional before it's submitted, paid or signed. Technology moves fast; our professionals catch what matters.

Is my data secure?

Yes. All records are encrypted, and every transaction — from payroll to payments — is tracked and auditable.

Ready to bring in the experts?

Join SMEs running incorporation, accounting, tax, payroll, HR, payments and legal — all reviewed by a licensed professional.