Frequently Asked Questions

With FoodBank.ng, you can buy food on credit in a few steps: (1) Create a free account with your phone number and complete identity verification. (2) Browse our food catalog and add items to your cart. Rice, beans, garri, cooking oil, and more. (3) Pay for your first order in full. (4) From your second order onward, you unlock Buy Now, Pay Later: pay 50% today and the remaining 50% is split into 2 equal installments due 30 and 60 days later. Civil servants can skip step 3 and get BNPL from their very first order.

BNPL stands for 'Buy Now, Pay Later.' Once you've paid for your first FoodBank.ng order in full, every order after that qualifies for BNPL: you receive your food items immediately and pay for them over 2 months. You simply pay 50% today and the remaining 50% is automatically split across Installment 1 (Day 30) and Installment 2 (Day 60). You see the full amount before you confirm. Verified civil servants qualify for BNPL immediately, without needing to pay a first order in full.

Yes. Oyo State and Lagos State civil servants can apply for salary deducted food credit through FoodBank.ng. You pay 50% upfront at checkout, and the remaining 50% is split across 2 monthly salary deductions on the 25th. No collateral required.

You see the full repayable amount on your order summary before you confirm. No surprises after checkout. Once BNPL is unlocked, the total is split into 3 payments: 50% today, 25% at Day 30, and 25% at Day 60. Your first order (unless you're a verified civil servant) is paid in full, with no split.

You'll need your phone number, a National Identification Number (NIN) or BVN for identity verification, and a valid payment method to pay for your first order. For the civil servant salary deduction plan, you will also need your employee ID number, your ministry or department name, and bank account details for verification, civil servants unlock BNPL immediately without paying a first order in full.

Your first order is paid in full at checkout (civil servants are exempt from this and go straight to BNPL). Every order after that follows the standard 2-month BNPL repayment period: pay 50% at checkout, then two equal installments, one due 30 days after your order, and one due 60 days after. Civil servants on the salary deduction plan may have different schedules depending on their pay date.

A missed installment payment will reduce your FoodBank.ng credit score by 15 points. Your account may be temporarily restricted from placing new BNPL orders until the overdue amount is settled. We will send reminders before each payment is due via SMS and email.

Every on-time installment payment earns you +10 points on your FoodBank.ng credit score. A higher score unlocks: Bronze Tier: 1 active BNPL order at a time. Silver Tier: up to 2 active orders and higher limits. Gold Tier: up to 3 active orders and best terms. Completing orders, verifying your identity, and linking your employment details also boost your score.

You can buy almost any staple food item: rice (Ofada, Basmati, Parboiled), garri, beans, semolina, yam flour, palm oil, groundnut oil, dry fish, crayfish, tomato paste, seasoning cubes, milk powder, beverages (Milo, Lipton), and more. Browse the full catalog at FoodBank.ng/shop.

FoodBank.ng is currently available in Ibadan, Lagos, Abuja, Kano, Port Harcourt, Enugu, Kaduna, Benin City, Ilorin, Abeokuta, Osogbo, Ile-Ife, Ogbomoso, Oyo, Warri, Akure, Owerri, and Uyo. We are expanding to more cities. Visit our Locations page for city-specific information.

Yes. All payments are processed by Paystack and Fincra, PCI-DSS compliant payment processors. FoodBank.ng never stores your card details. Our platform uses HTTPS encryption and industry-standard security practices to protect your personal and financial data.

After placing an order, you will receive a tracking code. You can track your delivery in real-time from your FoodBank.ng dashboard under 'My Orders.' We partner with verified logistics providers for all deliveries.