Nivo is a secure instant messaging app, rather like WhatsApp.

Being secure, you can safely share personal information, discuss your finances, complete identity checks and send us photos of payslips and bank statements through Nivo. It is the fastest and most convenient way for members to talk to the Retail CU team securely, about anything, anytime, from anywhere!

Nivo is available to download below. It’s easy to get started, and our Customer Services Team are on hand to help with any queries.

What can I do on Nivo?

Almost anything! Here are some popular examples –

  • Complete an ID check live.
  • Send us documents in seconds – take photos of payslips, bank statements etc. with your smartphone and send through Nivo.
  • Apply for a loan & if approved sign your loan agreement securely.
  • Ask questions and answer queries
Safe and secure

Security is our priority. With UK fraud losses totalling £844.8 million in 2018 (up 16% from 2017), email and SMS platforms present significant security risks. Nivo is an instant messaging network trusted by banks, credit unions and other institutions. Safe and more convenient that email and SMS, communicating through the Nivo App ensures peace of mind.

Applying for a loan on Nivo

The quickest & easiest way to apply for a loan is to complete our new mobile friendly loan application forms using the Nivo App. To apply, have a recent payslip & your total monthly income & expenditure to hand, then follow the ‘Apply with Nivo’ link on each loan page. Complete all 4 sections of the application, taking a photo of your payslip when prompted!

If you are already using our Nivo App, the link will take you straight to the application form. If not, you will be prompted to download Nivo & guided through the easy set-up steps, before reaching the application form.

Speedy Loan Decisions

Thanks to Nivo, our Loans Team are able to process loan applications more quickly than ever before! For those members who opt for Open Banking using Nivo, and who provide supporting documents, including a recent payslip quickly, we are often able to assess loans within hours, during office hours.

Members Quotes

“I like the Nivo app as I can communicate with the team without making phone calls. You can always send a message and they respond quickly. It’s an amazing way to deal with Retail CU.”


“I like the secure chat facility via Nivo and prompt responses to enquiries.”


“I’d never heard of Nivo before but this was terrific service. This would have take days if not weeks in previous years.”


“I think the Nivo App is truly amazing – so easy & straightforward to use”


“Nivo is a great service & really simple to use. Very clear instructions & seems very secure with ID face recognition. The response times are very quick, impressed with the service.”

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