How to buy using Circles

1

Sign up on the Carbon app by downloading it here.

2

Click Carbon Circles on the app homepage

3

Select the item you are interested in purchasing as your reason for savings

4

Select the circle amount that fits the amount of the item

5

Select the circle amount that fits the amount of the item

Trusted and Rewarding Savings Circles

Your path to
smarter savings

Plan and achieve your financial goals with Carbon Circles. Whether you're saving for a big purchase or building an emergency fund, join a community where your savings are secure and your goals are supported.

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+ ₦600,000

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Why Carbon Circles?

Trusted by Many

Join a network of users who trust our platform for their savings. Our users have peace of mind knowing that each participant is committed to the circle.

Smart Savings

Whether your goal is to save for a big purchase or a small purchase, find a savings circle that fits your needs with guaranteed returns.

Customizable Plans

Tailor your savings plan to your specific goals and needs. Choose your savings amount and month of choice.

Why Carbon Circles?

Trusted by Many

Join a network of users who trust our platform for their savings. Our users have peace of mind knowing that each participant is committed to the circle.

Smart Savings

Whether your goal is to save for a big purchase or a small purchase, find a savings circle that fits your needs with guaranteed returns.

Customizable Plans

Tailor your savings plan to your specific goals and needs. Choose your savings amount and month of choice.

Why Carbon Circle?

Trusted by Many

Join a network of users who trust our platform for their savings. Our users have peace of mind knowing that each participant is committed to the circle.

Smart Savings

Whether your goal is to save for a big purchase or a small purchase, find a savings circle that fits your needs with guaranteed returns.

Customizable Plans

Tailor your savings plan to your specific goals and needs. Choose your savings amount and month of choice.

How it works

1

Set Your Goals

State what you’re saving for, and customize your savings plan.

2

Join a Circle

Select from the available circles, the one that fits your goal (amounts and periods).

3

Contribute Regularly

Fund your accounts as contributions are deducted on the 1st of every month

Ajo Vibes,
Esusu Thrills

4

Join a Circle

On the 7th of every month, a member is randomly drawn from every Circle until everyone gets paid

5

Receive & Repeat

Select from the available circles, the one that fits your goal (amounts and periods).

6

Reliable Backup

If a member leaves your Circle, Carbon steps in to cover the missing contribution

Buy with Circles

TOP DEALS WITH CIRCLES DISCOUNT

Bluetti P-350 + Radio (350wh)

₦430,000

Buy with Cirlces

Bluetti P-200 + Radio (200wh)

₦395,000

Buy with Cirlces

BLUETTI E-60 (60wh)

₦240,000

Buy with Cirlces

BLUETTI EB70 Massive 716Wh Inverter

₦699,900

Buy with Cirlces

BLUETTI EB3A 600W AC Inverter

₦395,000

Buy with Cirlces

TCL LED TV 55” 55P635

₦532,125

Buy with Cirlces

TCL LED TV 50” 50P635

₦474,075

Buy with Cirlces

Samsung LED TV 55’’ AU7002

₦708,425

Buy with Cirlces
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FAQs

Why is Carbon Circles better than traditional savings methods?

  • Carbon Circles offer a secure, transparent, and community-driven way to save, with insured deposits and fair, random draws.

  • Always available at a click of a button.

  • Monthly contribution as low as 5000 Naira/month

  • Not bound by your current social circle or geographical location.

  • It is transparent. You will know who has/hasn’t been drawn in your circle

  • Secured. Everyone accepts terms and conditions before joining. 

What types of Circles can I join?

  • Available Carbon Circles values are 30,000, 60,000, 150,000, 200,000 and 600,000 Naira

  • Monthly contributions are 5,000, 10,000, 12,500, 25,000 and 75,000 Naira per month.

  • Carbon Circles offer a secure, transparent, and community-driven way to save, with insured deposits and fair, random draws.

Do you have a physical office?

We have an office at 642C Adeyemo Alakija Street, Victoria Island, Lagos.

Is this legal and secure?

  • Carbon is a financial service provided by Carbon Microfinance Bank (RC 1642222), licensed and regulated by the Central Bank of Nigeria (CBN).

How do I know other members will contribute?

  • Each member accepts T&C before joining.. We also step in if any contributions are missed.

What are the payment methods available?

  • Just ensure that your Carbon account is funded. The debit is automatically done on your Carbon account

How are fees calculated?

  • We charge a transparent 5% service fee on your contributions to maintain the platform and ensure secure transactions.

What happens if someone leaves my Circle?

  • Carbon Circles covers any missing contributions to keep the circle running smoothly.

Is Carbon Circles Sharia compliant?

  • Yes, it is completely Halal & Sharia compliant and there is no prohibition from a religious perspective

Is Carbon Circles compliant with local financial regulations?

  • Absolutely, we are regulated by the CBN to ensure the safety and legality of all our services.

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Why Carbon Circles?

Security you can trust

Insured deposits, transparent transactions, secure platform.

Community for Support

Share goals, celebrate wins, and learn from others.

Achieve Your Goals Faster

Pool resources, stay motivated, and track progress.

Affordable Start

Easy entry, manageable contributions, clear fees.

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