NICO Money is a neobank that aims to simplify financial services for users in a rapidly growing market where many adults lack traditional bank accounts. The platform focuses on providing accessible banking solutions, making it easier for users to manage their finances and access banking services without the need for traditional banks. For more detailed information, visit nicomw.com.

A cash plus policy allows you to grow your savings which are made in the form of monthly premium payments. The growth comes in the form of bonuses which are paid on the policy. The policy can run for a term of 12 years or 20 years. The bonuses are paid every 3 years for 12 year policies and every 5 years for 20 year policies. A final lump sum is paid at the maturity of the policy, allowing you to meet your financial goal.

In the unfortunate case that a policy holder becomes deceased while the policy is running, his or her listed beneficiaries receive a payout.

With this policy, you enjoy peace of mind as it drives your discipline in saving while providing growth to your saved funds.

NICO Group is Malawi's leading unified financial services group. For over 50 years we have grown from a single insurance company into a diversified conglomerate offering banking, insurance, pensions, asset management, property, technology and hospitality services under one roof.

The NICO Group comprises subsidiaries across banking, general and life insurance, pensions, asset management, property, technology and hospitality. Together they deliver integrated solutions for individuals, businesses and institutions across Malawi and the region. Visit our About Us page to explore the full Group family.

You can reach us through the Contact page, or email the Group using the address shown in the Any Questions section. For product-specific support, contact the relevant subsidiary help centre (for example NBS Bank, NICO Insurance, or NICO Money).

Claims are handled by the relevant NICO Group company that issued your policy or product. Start on our Claims page for guidance, or contact your insurer or bank directly with your policy or account details so the team can guide you through the next steps.

Open roles and graduate programmes across the Group are listed on our Careers page. You can also follow NICO Group channels for trainee programmes and leadership development opportunities.

One NICO is our Group-wide commitment to deliver the same professionalism, integrity and excellence at every customer touchpoint. It unifies our subsidiaries under a shared identity and consistent service standards so you get a seamless experience wherever you engage with NICO.

NBS Bank is the banking arm of the NICO Group. You can open accounts, access digital banking and explore personal or business products via nbs.mw, or visit a branch for assistance.