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Cashback, yours to spend.

Earn up to 10% cashback at selected promoted businesses during limited-time offers. Check eligible purchases, cashback limits and offer dates in-app. Offers vary and may not always be available.

Plus cashback is available through promotional offers only.

Phone damaged? No stress.

Eligible items purchased through Cobalt, like your phone, are protected up to ₵2,000 for a year, even if they’re stolen or damaged.

A phone with cracked glass on its back.
Damage refundToday at 14:21+₵680

30-day refunds? No thanks.

With Plus or any higher plan, the refund window increases from 30 to 90 days. You’re covered longer for that buyer’s remorse.

A man smiling as he checks his phone.
Refund+₵29

Can’t make it? We’ve got you covered.

If you buy a ticket through Cobalt and can’t attend the event for reasons beyond your control, you’ll be reimbursed up to ₵1,000.

An empty stadium with green and yellow seats beneath floodlights.
Event refundToday at 20:32+₵400

Make your money go further.

Gain an increased allowance on fee-free spending made outside of your account’s currency compared to a standard Cobalt account, Monday to Friday. Even higher limits and weekend coverage are available on our Premium and First plans.

Five gunmetal coins embossed with dollar, pound, euro, cedi and naira symbols float in a perfectly aligned cylindrical stack.

A better savings rate? Yes, please.

Earn a higher variable interest rate on your savings than with our standard Cobalt account. Interest accrues daily.

A metal vault rises on a large square podium with fine vertical grooves.